Data last verified: March 2026
Home Value Inc. is a Florida-certified real estate appraisal firm that provides USPAP-compliant general value appraisals for residential and commercial properties in Miami-Dade and Broward County.
Jhovan F. Rojas, Florida Certified Residential Appraiser License RD6109, inspects every property in person and delivers a signed market value report accepted by lenders, courts, the IRS, and private parties.
General value appraisals serve pre-listing sellers, estate-planning clients, private-sale parties, and asset documentation needs. Call (786) 357-6511 to schedule.
General value appraisals serve pre-listing sellers, estate-planning clients, private-sale parties, and asset documentation needs. Call (786) 357-6511 to schedule.
A general value appraisal is a certified, USPAP-compliant written report that establishes the fair market value of a specific property as of a stated effective date.
Jhovan F. Rojas, FL License RD6109, produces each report by inspecting the property in person, selecting verified comparable sales from the Miami-Dade MLS and Miami-Dade County public records, applying market-supported adjustments for condition, size, location, and features, and reconciling those adjustments into a final market value opinion.
Every general value appraisal Home Value Inc. delivers identifies the property, states the effective date of value, describes the methodology applied, and documents the reasoning behind the final conclusion — so the report holds up under scrutiny from a lender, a court, an IRS reviewer, or opposing counsel.
A general value appraisal differs from a lending appraisal in one critical respect: the property owner commissions it, not the lender, and no loan transaction is attached.
That independence makes a general value appraisal the appropriate tool for pre-listing price decisions, estate asset documentation, private sale negotiations, partnership buyouts, and any situation where the owner needs an objective, certified valuation without lender involvement or loan-specific conditions.
Pre-listing sellers face a specific risk in Miami-Dade’s variable market: pricing a property from a broker’s opinion alone leaves money on the table when the market is strong and creates buyer resistance when the price cannot be defended. A certified general value appraisal from Jhovan F. Rojas establishes a defensible asking price tied to verified closed sales — so the seller enters negotiation with independent evidence, not an estimate.
Current Miami real estate market conditions in Miami-Dade affect list price decisions year over year, and a certified appraisal anchors the asking price to data rather than assumptions.
Estate planning clients encounter a specific documentation requirement: Florida estate attorneys and CPAs require a certified appraisal — not a broker opinion, not a Zestimate — to establish the value of real property for gift tax filings, trust asset schedules, and stepped-up basis calculations.
Under 26 U.S.C. § 1014, the basis of inherited property steps up to fair market value at the date of death — a USPAP-compliant appraisal is the IRS-accepted method for establishing that value.
Home Value Inc. estate appraisal reports are coordinated directly with estate attorneys and CPAs to meet court filing and IRS documentation deadlines.
Private sale parties conducting off-market transactions in Miami-Dade face a valuation gap: without a listing process generating market exposure, no arm’s-length price discovery occurs.
A certified general value appraisal from Home Value Inc. gives both the buyer and the seller an independent, documented basis for the agreed-upon price — so the transaction withstands IRS scrutiny and eliminates disputes over fairness.
Chapter 475, Part II of the Florida Statutes governs real property appraisal practice in Florida — courts and the IRS apply greater scrutiny to valuations not supported by a certified report under those standards.
Asset documentation clients — including property owners preparing financial statements, applying for business financing, or documenting real estate holdings for litigation — need a credentialed, date-specific value on record.
A signed, USPAP-compliant report from a certified Miami appraiser carries the evidentiary weight that a broker opinion or automated estimate does not produce.
Factor | General Value Appraisal | Lending Appraisal | Zillow Zestimate |
Who commissions the report | Property owner | Mortgage lender | No commission — automated |
Primary purpose | Owner-side valuation for any use | Satisfy the lender’s loan condition | Consumer reference estimate |
Florida-certified appraiser | Yes — in-person inspection | Yes — in-person inspection | No — algorithm only |
Interior and exterior inspection | Yes | Yes | No |
Accounts for renovations and condition | Yes | Yes | Partially — public data only |
Accepted by Florida courts | Yes | Yes | No |
Accepted by the IRS | Yes | Yes | No |
Accepted by Miami-Dade Value Adjustment Board | Yes | Not applicable | No |
Accepted by mortgage lenders | Yes — owner reference | Yes — required for loan | No |
USPAP-compliant written report | Yes | Yes | No — online estimate only |
Typical Miami-Dade turnaround | 3 to 5 business days | 3 to 5 business days | Instant — no inspection |
Home Value Inc. research on online appraisal accuracy in Miami-Dade documents how consistently automated estimates diverge from certified values — particularly for waterfront properties, condominiums, and homes with significant post-purchase renovations.
Home Value Inc. follows a four-stage process on every general value appraisal assignment in Miami-Dade and Broward County, so the report reaches the client on time, in the correct format, and fully documented.
Jhovan F. Rojas or a licensed Home Value Inc. team member confirms the property address, appraisal purpose, intended use, effective date, report format, and fee before any work begins. Clients who want to understand what the inspection covers can review the firm’s pre-appraisal checklist before the scheduled visit.
The appraiser inspects the interior and exterior condition, measures the gross living area, documents upgrades and deferred maintenance, notes lot characteristics, and photographs the property.
A single-family residential inspection in Miami-Dade runs 45 to 90 minutes. Condominiums and multi-family properties require additional time depending on unit count and access.
The appraiser pulls verified closed sales from the Miami-Dade MLS and Miami-Dade County Recorder, selects the most relevant comparable properties within the subject’s competitive market area, and applies market-supported adjustments for differences in gross living area, condition, location, view, and features.
The South Florida appraisal process requires waterfront premiums, flood zone adjustments, and condo floor-level analysis that out-of-market appraisers and automated models consistently misapply.
The appraiser reconciles the adjusted value indicators and produces a signed, USPAP-compliant written report. Home Value Inc. delivers most residential general value appraisal reports within three to five business days of the on-site inspection.
Rush delivery is available for time-sensitive pre-listing, estate, and litigation assignments.
Miami-Dade property values respond to market factors that mass appraisal systems and automated tools fail to properly account for.
Jhovan F. Rojas applies direct, market-supported adjustments for each factor below on every general value appraisal assignment.
Value Factor | How Home Value Inc. Addresses It |
Waterfront or water view premium | Direct market-paired sales analysis for bay, canal, and ocean view properties |
Flood zone designation | Adjustment based on FEMA flood map zone and insurance cost differential |
Hurricane impact windows and roof age | Condition adjustment supported by comparable sales data |
High-rise condo floor level and view | Floor premium analysis specific to the Miami Beach and Aventura condo market |
Historic district designation | Restricted-use adjustment for Coral Gables and Miami Beach historic properties |
Post-purchase renovation quality | Interior inspection with documented upgrade adjustment |
HOA fees and use restrictions | Marketability adjustment for condo and planned community properties |
Home Value Inc. provides firm, transparent quotes at the time of consultation — no hidden fees, no post-inspection revisions to the agreed price.
Property Type | Typical Fee Range | Typical Turnaround |
Single-family residential | $350 to $500 | 3 to 5 business days |
Condominium | $300 to $450 | 2 to 4 business days |
Multi-family (2 to 4 units) | $500 to $800 | 4 to 6 business days |
Vacant lot | $350 to $500 | 3 to 5 business days |
Rush delivery (add-on) | $100 to $200 additional | 1 to 2 business days |
For a detailed breakdown of what affects turnaround time on Miami-Dade appraisal assignments, see the firm’s guide on how long appraisals take in Miami-Dade County.
Home Value Inc. completes general value appraisals across all of Greater Miami-Dade County, including Aventura, Bal Harbor, Bay Harbor Islands, and Biscayne Park, as well as Miami, Miami Beach, Coral Gables, Hialeah, Doral, Kendall, Homestead, North Miami, Sunny Isles Beach, and all other incorporated municipalities in Miami-Dade County.
The firm also accepts residential and commercial appraisal assignments throughout Broward County.
Call Home Value Inc. at (786) 357-6511 to schedule your certified general value appraisal with Jhovan F. Rojas and receive a firm quote within one business day. For online inquiries, use the contact page.
What is a general value appraisal used for in Miami-Dade?
A general value appraisal establishes a certified fair market value for any purpose that does not require a lender-ordered report. Miami-Dade property owners use general value appraisals for pre-listing price decisions, estate planning, asset documentation, private sales, partnership buyouts, and gift tax filings — any situation where an independent, USPAP-compliant valuation is required without a loan attached.
How does a general value appraisal differ from a lending appraisal?
A general value appraisal is ordered by the property owner for the owner’s purposes. A lending appraisal is ordered by the mortgage lender to satisfy a specific loan condition. Both reports are completed by a Florida-certified appraiser using USPAP methodology. The distinction is between who orders the report and its intended use — not the inspection process or report quality.
Does a general value appraisal hold up in Florida court?
Yes. A signed, USPAP-compliant general value appraisal from a Florida-certified appraiser is accepted in Miami-Dade and Broward County courts for divorce equitable distribution proceedings, estate disputes, partition actions, and real property litigation. A broker price opinion or Zillow estimate does not carry the same evidentiary weight under Florida evidence standards.
How long does a general value appraisal take in Miami-Dade?
Home Value Inc. delivers most residential general value appraisal reports within three to five business days of the on-site inspection. The on-site visit runs 45 to 90 minutes for a single-family home. Rush delivery — within one to two business days — is available for pre-listing, estate, and litigation assignments at an additional fee.
How much does a general value appraisal cost in Miami?
Residential general value appraisals in Miami-Dade range from $350 to $500, depending on property type, size, and complexity. Condominiums start at $300. Home Value Inc. provides a firm quote at consultation with no hidden fees. Call (786) 357-6511 for a quote specific to the property address and appraisal purpose.
Can a general value appraisal be used to dispute a Miami-Dade property tax assessment?
Yes. A certified general value appraisal from Home Value Inc. provides the independent market-value evidence that Miami-Dade homeowners need to contest an over-assessed value before the Value Adjustment Board. The firm’s guide on contesting property taxes in Miami-Dade covers the full appeal process and documentation requirements.
Does a Zillow estimate replace a general value appraisal?
No. A Zillow Zestimate is an automated calculation built on public tax records. Zillow does not inspect the property, does not account for interior condition or post-purchase renovations, and is not accepted by Florida courts, the IRS, mortgage lenders, or the Miami-Dade Value Adjustment Board. A certified general value appraisal from a licensed Florida appraiser is the only valuation method that those parties recognize as independent evidence.
Does Home Value Inc. complete general value appraisals for commercial properties in Miami-Dade?
Yes. Home Value Inc. completes general value appraisals for commercial properties in Miami-Dade and Broward County, in addition to residential assignments. The commercial property appraisal process differs from residential appraisals in methodology and report format. Call (786) 357-6511 to confirm the appropriate report type for a specific commercial property address.
Whether you’re purchasing a home, selling real estate, developing land as an investment, or conducting any other type of real estate transaction in Miami Beach, a professional property appraisal will streamline the process and establish the fair market value of any property.
Most official real estate forms and documents include a line item of the estimated property value, yet only a licensed and certified appraiser is qualified to provide a completely objective evaluation along with a detailed and comprehensive written report.
Home Value Inc. performs residential and commercial appraisals for its clients in greater Miami-Dade County and the following cities in South Florida. We provide services to the following cities -
