Jump to content

Brewin’1up

Full Members
  • Posts

    48
  • Joined

  • Last visited

Everything posted by Brewin’1up

  1. No. The Date of Appraisal is Jan.1 - so assuming there was at least a slab present on Jan.1, the CAD would have picked it up as an improvement. If the house wasn't fully finished, they will put it at a %complete (depending on how much of the construction was done), and then put it to 100% complete for 2019.
  2. Assuming the damages hadn't been fixed on Jan.1, photos and repair estimates will get you a reduction for sure. I would also try and argue the "I'll have to disclose the mold if I decide to sell" angle. good luck
  3. This is an easy win for you. Take your closing docs and fee appraisal sketch to the CAD and they'll fix your sqft difference and adjust to your purchase price.
  4. We had a guy come out for an estimate last month. He figured a 45 panel system on our house, and gave his pitch about how awesome his company and product is. After we listened to him and watched the videos, he said he couldn't give us any numbers unless we agreed to sign a document that we were "ready to purchase". I told him straight up that we weren't buying today, or signing anything. His finally conceded, and his quote was for $45k. Then the loan for the system was going to cost almost double what our current electric bill is, and would only provide 70-80% of our needs. When I told him we were definitely going to get some other estimates from other companies, to compare and we'd go with the one that made the most sense, he says "Well let me know, and we can definitely beat their price". Pass.
  5. sorry about the loss of your boat.
  6. Had the grumpy-ass-old-man neighbor at my old property give me shit when a deer my son shot on our property jumped into his side pasture. Trying to do the right thing, we called him to get permission to go look for it. He tried to tell me it wasn't deer season (it was youth season) and wanted to bitch about hunters in general. Finally I said "Do we have your permission to look for this deer, or not?" Him "Well... I don't know... I guess..." Me "Thanks." click
  7. GF?...GTFO with that shit. This thread is about our dumbass wives, you still have a chance. Also that's your bad for letting her drive.
  8. People like to dump their unwanted pets out in the country near where I live, our town FB group is exactly like this... plus the 2018 property valuations.
  9. So... did the slacker and his old man rape you?
  10. Its pretty simple really. Sign and date the title. Print and fill out "Form 130-U Application for Title" from the Texas DMV website https://www.txdmv.gov/forms. In addition you can also do "Form VTR-346 Transfer Notification" from the same website - I usually don't, but you can if you want. Most importantly, TAKE YOUR PLATES off the vehicle, this will force them to actually transfer the title and get their own new plates.
  11. I had initially injured my back when I was in college, working at a drive-thru beer barn and moving kegs. One time, instead of lifting with my legs, I twisted and slung a keg into the bed of a truck. It twinged and hurt like hell, and when I woke up the next morning I couldn’t get out of bed, I had to roll onto the floor and pull myself up. Fast forward 10 years… It had been sore for a while, but I was having some sexy time with the wife and threw it out again (embarrassing, I know). Only this time I legitimately couldn’t move. I was laid up in bed for a couple weeks in constant pain, pissing in a jar, and popping pain meds like they were Tic-Tacs. The only position that relieved “some” of the pain, was when I was lying flat on my back with my knees up. Finally one weekend the wife and kids were away at her moms, I tried to get up to use the bathroom and fell and couldn’t get up. I lay on the floor for several hours till the wife got home that evening. I’m a big dude 6’4”, 270# and there was no way she was picking me up, so she ended up calling EMS. They arrived and we decided to go to the hospital. The Doc at the ER just wanted to give me some more pain meds and send me home, but we made them do an MRI. It ended up being bulging disks. I got a referral to a Pain Specialist and got scheduled for the injections. The steroid injections worked like a miracle for me. I hobbled into the doctor’s office like I was one of Jerry’s Kids with my back all twisted up and using two canes to keep from falling. After the injections, I walked out carrying the canes. I kick myself in the ass for lying around in pain for as long as I did. These days when I feel it getting tight, I have a foam roller and some exercises to stretch it out. That and losing some weight seems to help me most now. TLDR: short term - talk to a Pain Specialist, and look into getting a steroid injection. Long term - stretch/exercise/lose weight.
  12. The market value on my house went up by $40k... but its still $20k under what we just purchased it for last year - and that's before we did $20k in interior renovations and built a 30x40 metal workshop in the backyard, so I ain't sayin' shit.
  13. Damn simple, I like it.
  14. Tell me ore about this "oven method" of making the roux. I'd always done it on the stovetop and having to constantly stir/monitor it is not my favorite.
  15. This is something I struggle with as well. What to brew... something that I'll like, but also something the Bud Light crowd will drink as well. Usually it ends up being a Pils, Hefe, or a light Belgian Wit or Abbey Ale. When I'm brewing for myself and friends, its either hoppy Pales/IPA or dark malty porters/stouts, and the occasional Scottish, Belgian, or sour thrown in to break it up. Just did my first batch this last weekend after a 1+ year hiatus due to moving and having all my gear in storage. Cant wait to keg it up.
  16. Nice. Me and a buddy of mine just did a Saison and a sour last weekend. We split the base batch in half and did Saison yeast on 5gal and a BrettB. primary for the other 5gal. Planning to do a Hefe for the oldest sons graduation party (for the adults), and picked up my spec grains and yeasts for a PaleAle and a chocolate/peanut butter Stout. All this after not having brewed in over a year...
  17. To address the questions about changing land values... In appraisal, the land value is typically 20-30% of the overall property value. What happens is, in a built out neighborhood where you don’t have vacant lots sales to determine land values. Property values will change with the market and land values will stay the same until it becomes necessary to adjust the land::property value ratio. The overall market value will still be determined by the neighborhood sales.
  18. This is a letter I send out to friends and family every year about the time new value notices go out. Source: 15+ years Fee and Mass Appraisal experience.
  19. Protesting your Property Value for Dummies 1. The appraisers are human, not monsters. Treat them like humans and they will respond in kind. I know it may not be possible with this group, but try to not be an asshole. The old adage about catching more flies with honey than with vinegar applies. If you show up and present convincing evidence without being confrontational, your likelihood of getting a reduction goes waaay up. 2. Don’t try to “Out Analyze” the Appraisal District. Their staff spends months analyzing the market. When Joe Taxpayer shows up with a Realtor’s CMA and an Excel spreadsheet that he created the night before, and tries to argue about average price/sqft in his neighborhood, he gets silently laughed at. Realtors present the idea that price/sqft is the final word in property valuation because that’s how they market homes, but it can be skewed fairly easily. Average price/sqft doesn’t take into account many other variables that the Appraisal District does such as: differences in lot size, view, topography, class or quality of construction, condition, roofing, siding, year built, or detached improvements like patios, garages, deck or pools. Example: Two houses in the same neighborhood have the same square footage/floor plan. One has a larger lot vs. the other with a standard lot. One has stucco or stone siding vs. the other with vinyl or wood siding. One has a tile or metal roof vs. the other with asphalt shingle roof. One has a 3-car garage vs. the other with a 2-car garage. One has been maintained & updated vs. the other which has not. One has detached improvements like; a garage, patio, deck, pool/spa, or outdoor kitchen. All of these differences will add value, but won’t change the square footage. 3. Learn how the district has your property classified. Request an Evidence Package from the appraisal district and compare the CADs records to your house. Things to verify: number of improvements, total square footage of the house, lot size, exterior siding, roof type, foundation type, bedroom & bathroom count, number of fireplaces. Verify their records because they are human and mistakes do happen. Sometimes the correction puts the value in line. 4. Go to your Informal Hearing. Take the time to actually read the documents they send you. You only get one Informal Hearing and showing up unprepared and/or without evidence because you didn’t read the instructions is no excuse. If you are unprepared for the Informal, your only recourse will be to present your case to the ARB (Appraisal Review Board) at the Formal Hearing. Ask questions and let the appraiser explain the appraisal protest and appeal process. Because of time constraints, you will not be taught the process at the ARB Formal Hearing. 5. Bring photos and estimates of needed repairs. There is a good chance an appraiser has not been to your house in years (maybe ever). You’ll need to show them what your property looks like and why your house is different from everyone else’s. You need to present your house as the ugliest house on the block with all its faults and structural fails. This is my best advice for getting a reduction in value. 1. You can absolutely do this yourself at the Informal meeting without having to go in front of the ARB, provided you do your homework - meaning don't rely on the CMA your realtor gave you or some appraisal estimate you printed off the internet. You don't need to hire a tax agent unless you're in the 1% and have money to burn. If you decide you do want to use a tax agent, I personally would recommend against using O’Connor & Associates - those clowns couldn’t pour water out of a boot if the instructions were printed on the heel. 2. Ask the CAD for an Evidence Package. This is a list of all the Sales and Equity comparables that were used to value your neighborhood. Just write on your protest form that you would like an Evidence Package and they will mail it to you. The Sales comps will be a list of what the homes in your area actually selling for. Don't focus on the foreclosures or low sales, look at the ones that are Classed the same, and closest in size to your home. The Equity comps will be a list of what similar homes in your neighborhood are valued at. Paying the most attention to the ones that are the same Class as, and closest in size to your home. 3. Photos and Repair Estimates are your best evidence. The CAD appraisers can’t see inside your home. They don't know that it hasn't been updated or that there are foundation problems. It’s your job to inform them so take some good photos, ideally 8-10 clear and centered images will illustrate your concerns. Note: the CAD and the ARB can’t accept the digital photos on your phone so stop at Walgreens and print out your pics. If there is something wrong with your house, have a contractor come out and give you an estimate for repairs to support your photos. Don’t expect a dollar-for-dollar reduction, if the appraiser gives consideration for 2/3 the total of the estimate, I’d consider that a win. 5. If you purchased your home within the previous 12 months, and your purchase price was less than what the CAD has as your Market Value, bring your closing documents. 99% of the time the appraiser will agree to lower your value to the purchase price (assuming it was an arms-length transaction). If there is a discrepancy in the square footage, bring your Fee Appraisal - since a Fee Appraisal sketch is typically more accurate than the CAD sketch. If your purchase price was greater than what the CAD has for your Market Value, you really shouldn't be protesting. The Appraiser and/or the ARB is not going to care what other comps sold for, since the Best comparable is the actual sale of the Subject property. Your purchase price - by definition - is your property’s market value. If you have a mortgage on your new home, the bank would have ordered a Fee Appraisal, and the loan wouldn't have funded unless the Fee Appraisal comps also supported your purchase price. Your best option in this situation is to keep your head down and your mouth shut. Little known fact - the ARB has the option to RAISE values. I've see it happen in situations like this, and it’s not a pretty scene. E-file vs. showing up in person for the Informal Meeting It will depend largely on your argument and your evidence. In my opinion, actually going to the CAD for the Informal Meeting is probably your best chance of getting the largest reduction. The E-file process itself is pretty sterile. It’s just a one-time email exchange of evidence and a take-it-or-leave-it offer, no discussion, no rebuttal. You miss out on the human element since there’s no opportunity to discuss your value with an appraiser. By attending the Informal Meeting, you allow the appraiser to explain why your home is valued the way it is, why they used the comparables they did, and having the appeal process explained to you. There's a definitely a benefit to having a face-to-face meeting, but it really depends on your situation and what your time is worth. Examples: 1. If you just bought the property and your purchase price is less than the CADs Market Value, you could probably get away with doing the E-file and just send them a copy of your closing documents and fee appraisal. 2. If it’s a condition issue with the house, you’re probably better off going into the CAD with your photos and repair estimates, so you can speak with an appraiser and explain your situation.
  20. I have the same mower. My wife has her same tits.
  21. On the plus side, the pics actually show up in this forum. They were all X’d out in the old forum.
×
×
  • Create New...