As a longtime nurseryman/landscaper here is your answer..
YES the tree has value, unfortunately removing the tree is more costly than that value. If I had a place to use the tree, I can buy one from a tree farm, with little or no danger of shock, and for less than it would cost to remove a tree properly (for transplant) at a home. Even in the best of conditions ( No irrigation or utility issues in a location I can get to with my tractor) just the digging and refilling of the hole is costly.
Atleast that is from the standpoint of a reputable contractor w/ good equipment and proper insurance and know how to do the job.
Save some headache and just cut and grind the stump.
Lesson to learn? When you are re-landscaping, stop trying to save the low budget junk from the builder package. You will be removing it in a few years anyway.
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