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Collin County says my home increased by 10%, should I sell?

By
Mortgage and Lending NMLS#1089067

Collin County says my home increased by 10%, should I sell? My answer for you; it depends. Last week, I received my 2014 Notice of Appraised Value from the Collin Central Appraisal District and they are proposing that the total market value increased by more than 10%. I checked out all of the latest value estimators and called one my realtor partners. The value was supported. Being a mortgage loan consultant and numbers guy, I analyzed. I broke my options down:

  1. Sell, move to an apartment for 3 years (all kids would have graduated), then use the equity to buy a RV.
  2. Sell and buy a bigger home.
  3. Refinance using a FHA renovation loan to upgrade our home.

So, I got all of my spreadsheets together and loan options, walked into my wife and asked, "Collin County says our home increased by 10%, should we sell?". She looked at me and said, "I'm not living in a trailer, plus we only have nine more years left and we will be debt free." I love that woman. So you know my answer. Yours could be different but know your options, when you ask yourself, "Collin County says my home increased by 10%, should I sell?"

 

Anonymous
Shane Condon
We are facing the same thing. Our property value has increased 20% in less than 2 years. Great for resell, which we dont plan on...but yuck for tax purposes! We may protest, but home sales are booming here.
May 07, 2014 10:44 AM
#1
Jimmy Van Smith
Frisco, TX
Residential Mortgage Loan Originator

It is a great problem to have. Thanks for commenting.

May 07, 2014 10:45 PM
Teral McDowell
Referral Patners LLC - Murphy, TX

If my property increased 10+% then the one I would want to buy probably has too especially new construction. Your wife has a smart idea. 

May 16, 2014 05:40 AM