Obviously, the market value of a house represents what a potential buyer is willing to pay for it. The bond payments are part of the cost to own and live in the house. The bond is really no different from other costs of ownership, such as taxes, amenity fees, maintenance, utilities, insurance, etc. I'm not sure how other posters can say that their appraisal did not include the bond. How do they know whether the appraiser considered the bond in their appraisal? Don't they just give you a number? If anything, an unpaid bond would negatively affect the market or appraised value as compared to a similar house with no bond.
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