Data last verified: April 2026
Home Value Inc. is a USPAP-compliant real estate appraisal firm serving Miami and greater Miami-Dade County, FL.
Jhovan F. Rojas, FL Certified Residential Appraiser (License RD6109), delivers residential, commercial, divorce, PMI removal, lending, and tax protest appraisal reports for Miami-Dade County property owners, lenders, and attorneys.
Home Value Inc. completes standard appraisal reports within 3–5 business days from the inspection date, with same-day turnaround available on qualifying assignments. Schedule a Miami appraisal with Home Value Inc. — call (786) 357-6511.
A Miami real estate appraiser is a state-licensed professional who produces an independent, USPAP-compliant opinion of a property’s fair market value. Jhovan F. Rojas, Certified Residential Appraiser (License RD6109) at Home Value Inc., conducts on-site property inspections, measures total living area, photographs all rooms, and analyzes comparable sales recorded within Miami-Dade County.
Each completed report meets the evidentiary standard required by Florida mortgage lenders, Miami-Dade County courts, and state and federal government agencies.
A certified real estate appraisal is distinct from both a home inspection and a real estate agent’s Comparative Market Analysis (CMA). A home inspection documents structural and mechanical conditions but produces no dollar valuation.
A real estate agent CMA estimates a listing price range but carries no legal standing for mortgage underwriting, litigation, or property tax appeal.
A written appraisal report from a FL-licensed, USPAP-compliant appraiser is the only document that satisfies the evidentiary standard in all three contexts.
| FL Certified Appraiser | Home Inspector | Agent CMA | |
| Legally defensible valuation | Yes | No | No |
| Accepted by mortgage lenders | Yes | No | No |
| Admissible in Florida courts | Yes | No | No |
| USPAP-compliant written report | Yes | No | No |
| On-site property measurement | Yes | Yes | Rarely |
A FL Certified Appraiser is the only credential that satisfies all five standards in the table above. A real estate agent CMA and an automated valuation model (AVM) — such as a Zillow Zestimate — cannot substitute for a USPAP-compliant appraisal report in mortgage underwriting, divorce proceedings, probate, or tax appeal contexts in Florida.
Home Value Inc. offers six appraisal services across Miami-Dade County, FL. Jhovan F. Rojas (FL License RD6109) authors each written report and formats the deliverable to meet the documentary requirements of the requesting party — lender, court, government agency, or property owner.
Residential appraisal — Jhovan F. Rojas appraises single-family homes, condominiums, townhomes, and vacant lots across Miami-Dade County. Each residential appraisal report establishes fair market value for buyers, sellers, and estate planning purposes under Florida Statutes, so property owners receive a legally defensible valuation before any transaction proceeds.
Lending appraisal — Mortgage lenders operating under federal regulatory guidelines require a USPAP-compliant appraisal before approving a purchase loan or refinancing agreement. Home Value Inc. delivers lending appraisals that meet Fannie Mae, Freddie Mac, and major private lenders’ underwriting standards, protecting both borrowers and institutions from mispriced collateral.
PMI removal appraisal — When a Miami homeowner’s property value rises past the 80% loan-to-value threshold, a certified appraisal from Home Value Inc. documents that equity position and supports a formal Private Mortgage Insurance (PMI) cancellation request under the federal Homeowners Protection Act, so the homeowner eliminates a recurring monthly insurance cost.
Tax protest appraisal — Miami-Dade County property owners who believe the Miami-Dade Property Appraiser’s assessed value exceeds fair market value may petition the Miami-Dade Value Adjustment Board. Home Value Inc. prepares independent USPAP-compliant tax protest appraisals accepted as supporting evidence in Miami-Dade County assessment appeals, so property owners enter the hearing with a credentialed counter-valuation.
Divorce appraisal — Jhovan F. Rojas provides an independent property valuation for equitable distribution proceedings in Miami-Dade County Family Court. The appraisal report establishes a USPAP-compliant fair market value figure for inclusion in divorce settlement agreements under Florida marital property law, so both parties receive an objective basis for asset division.
Rental property appraisal — Home Value Inc. applies the Income Approach valuation method to determine accurate rental property valuations for Miami-Dade County investors. Each Income Approach analysis accounts for projected rental income, local vacancy rates, and operating expenses, so investors receive a market-grounded valuation that supports acquisition, disposition, and portfolio management decisions.
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Miami-Dade County single-family home prices reached a median of $671,250 in November 2025, sustaining appreciation in 167 of the past 168 months — a cumulative gain of nearly 145% since 2015, per the Miami Association of Realtors.
Cash transactions accounted for 36.8% of all Miami-Dade County closings in November 2025, nearly 10 percentage points above the national average of 27%, according to the same source.
Miami cash buyers who transact without a lender-ordered appraisal bear full valuation risk, with no independent document to establish whether the agreed-upon purchase price reflects current market value.
Miami-Dade County condominiums present a distinct valuation risk profile from single-family properties. Florida’s Legislature enacted tightened building safety regulations following the June 2021 Champlain Towers South collapse in Surfside, FL, requiring older condo buildings to fund structural reserves and complete milestone inspections.
Miami condo median prices declined 9.5% year-over-year to $395,000 in November 2025, per the Miami Association of Realtors, as exposure to special assessments and rising maintenance costs compressed values in older towers across Brickell, Edgewater, and Miami Beach.
A USPAP-compliant appraisal from Home Value Inc. quantifies post-regulation value impact on a specific unit before a buyer or lender commits.
Miami-Dade County’s micro-market structure creates additional valuation complexity that countywide data cannot resolve. Property values in Brickell, Coconut Grove, Wynwood, Hialeah, and Kendall follow independent price trajectories, each driven by distinct buyer profiles, school zone boundaries, FEMA flood zone classifications, and proximity to commercial corridors.
Automated valuation models (AVMs) aggregate county-wide MLS data and routinely misrepresent individual property values in Miami’s distinct submarkets.
Jhovan F. Rojas applies submarket-specific comparable sales analysis — drawing on sales within the relevant neighborhood boundary, rather than the broader county — to every Home Value Inc. appraisal assignment in Miami.
For current submarket data, the Home Value Inc. blog publishes updated Miami real estate market trend analysis.
Home Value Inc. conducts on-site appraisal inspections across all neighborhoods within greater Miami-Dade County, FL. Jhovan F. Rojas applies submarket-specific comparable sales analysis to each assignment, drawing from sales within the relevant neighborhood boundary rather than county-wide averages that mask local price variation.
| Neighborhood | Primary Property Profile |
| Brickell | High-rise condominiums; luxury residential towers |
| Coconut Grove | Waterfront estates; historic single-family homes |
| Coral Gables | Estate properties; Mediterranean-style SFR |
| Wynwood | Mixed-use conversions; loft-style condominiums |
| Miami Beach | Oceanfront condos; Art Deco historic district SFR |
| Miami Springs | Owner-occupied single-family residential |
| Hialeah | High-density owner-occupant SFR; multi-family |
| Kendall | Suburban SFR; planned community townhomes |
| Doral | Corporate-adjacent SFR; newer construction |
| Little Havana | Affordable SFR; multi-family income properties |
Each Miami-Dade County neighborhood carries appraisal considerations that require local expertise to resolve accurately.
Miami Beach properties require FEMA flood zone classification analysis. Older condominium towers in Brickell and Edgewater require a post-Surfside structural reserve assessment review.
Kendall single-family homes require verification of school zone boundaries, as zone assignments carry measurable price premiums in that submarket. Jhovan F. Rojas addresses each of these neighborhood-specific factors in every written report.
Contact Home Value Inc. to confirm the availability of appraisal services for a specific Miami-Dade County address.
If you’re ready to get started, call us now!
The South Florida property appraisal process at Home Value Inc. follows four structured steps from initial client contact through final report delivery.
Step 1 — Consultation. The property owner, attorney, or lender contacts Home Value Inc. at (786) 357-6511 to initiate an appraisal assignment. Jhovan F. Rojas reviews the property type, the appraisal purpose — lending, divorce, tax protest, PMI removal, or general market value — and the required delivery timeline. Home Value Inc. provides this consultation at no charge and in strict confidence.
Step 2 — On-site Inspection. Jhovan F. Rojas, a licensed Home Value Inc. appraiser, visits the Miami-Dade County property, measures total gross living area, photographs all interior and exterior areas, documents current condition and completed upgrades, and records lot dimensions and site characteristics. On-site inspections require one to two hours, depending on property size and complexity.
Step 3 — Market Analysis. Jhovan F. Rojas identifies qualified comparable sales within the relevant Miami-Dade County submarket using MLS transaction records and Miami-Dade County public property records. The appraiser applies adjustments for differences in gross living area, bedroom and bathroom count, property condition, lot size, and submarket location to arrive at a supportable market value conclusion.
Step 4 — Report Delivery. Home Value Inc. delivers a comprehensive written appraisal report formatted to USPAP standards and accepted by Florida mortgage lenders, Miami-Dade courts, and government agencies. Standard report delivery runs 3–5 business days from the inspection date.
Same-day delivery is available on qualifying residential assignments. Theproperty valuation guide published by Home Value Inc. details the three USPAP-recognized valuation methods — Sales Comparison Approach, Income Approach, and Cost Approach — and identifies which method applies to each property type.
Request a Miami appraisal report from Home Value Inc. — complete the contact form at homevalueinc.com/contact-us/ or call (786) 357-6511.
Home Value Inc. is a Miami Springs, FL-based certified real estate appraisal firm providing USPAP-compliant residential and commercial appraisals across all of Miami-Dade County.
Jhovan F. Rojas, FL Certified Residential Appraiser (License RD6109), was born and raised in Miami Springs and has completed appraisal assignments across every major Miami-Dade County neighborhood.
Home Value Inc. maintains a proprietary electronic property database covering the greater Miami-Dade County market, enabling submarket-specific comparable sales analysis across all assignment types.
Verified credentials and service standards for Home Value Inc.:
How much does a real estate appraisal cost in Miami, FL?
Real estate appraisal fees in Miami vary based on property type, square footage, intended use, and required turnaround time. Home Value Inc. provides assignment-specific pricing during a free initial consultation. Call (786) 357-6511 to receive a quote for your Miami-Dade County property.
How long does a home appraisal take in Miami?
A Miami home appraisal from Home Value Inc. takes 3–5 business days from the on-site inspection date under standard delivery. Same-day written report delivery is available on qualifying residential assignments. The on-site property inspection requires one to two hours, depending on gross living area and property complexity.
What does a Miami real estate appraiser look at during an inspection?
A Miami real estate appraiser measures gross living area, counts bedrooms and bathrooms, photographs all interior and exterior rooms, assesses current condition and completed upgrades, and records lot dimensions and site characteristics. Jhovan F. Rojas then applies submarket-specific comparable sales from the Miami-Dade County MLS records to derive a supportable conclusion regarding market value.
Is a home appraisal required when selling a house in Miami?
Florida law does not require a home appraisal to list a residential property for sale in Miami, but mortgage lenders require a USPAP-compliant appraisal before approving any purchase loan. Miami sellers use pre-listing appraisals to establish a defensible asking price; cash buyers use independent appraisals to verify fair market value before committing funds without lender review.
Can a Miami real estate appraisal help me remove PMI?
Yes. When a Miami property’s current market value reduces the loan-to-value ratio below 80%, a USPAP-compliant appraisal from Home Value Inc. documents that equity position and supports a formal PMI cancellation request submitted to the lender under Section 3 of the federal Homeowners Protection Act of 1998.
Does Home Value Inc. provide divorce appraisals in Miami?
Yes. Home Value Inc. provides divorce appraisals for equitable distribution proceedings in Miami-Dade County Family Court. Jhovan F. Rojas delivers a USPAP-compliant, independent property valuation that satisfies Florida’s evidentiary standard for marital asset division under Chapter 61, Florida Statutes.
How do I appeal my property taxes in Miami using an appraisal?
Miami-Dade County property owners appeal assessed values by filing a petition with the Miami-Dade Value Adjustment Board and submitting an independent USPAP-compliant appraisal as primary supporting evidence. Home Value Inc. prepares tax protest appraisals accepted by Miami-Dade County assessment authorities, so property owners enter the hearing with a credentialed, third-party valuation.
What neighborhoods in Miami-Dade County does Home Value Inc. serve?
Home Value Inc. serves all of Miami-Dade County, including Brickell, Coconut Grove, Coral Gables, Wynwood, Miami Beach, Hialeah, Kendall, Doral, Miami Springs, and Little Havana. Jhovan F. Rojas conducts on-site inspections and submarket-specific comparable sales analysis for every assignment across the full county.
Schedule your Miami appraisal with Home Value Inc. — serving all Miami-Dade County neighborhoods. Call (786) 357-6511 or complete the contact form at homevalueinc.com/contact-us/.
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 -
