Home Valuation | Ilona Chkliarouk | Palm Beach Real Estate Professional

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WHAT'S YOUR PROPERTY WORTH?

Discover your home’s value with Ilona Chkliarouk

Knowing your home’s value is more than just a number—it’s a strategic advantage. Whether you're exploring a future sale, planning a refinance, or simply staying informed, understanding your equity position can help you make smart financial decisions.

With my advanced Homebot platform, you'll receive a dynamic, data-driven home valuation that goes beyond the basic estimates offered by major real estate sites. You’ll gain insight into your property's current market position, equity growth, and potential borrowing power.

For a more precise evaluation, I’m happy to provide a personalized Comparative Market Analysis or refer you for a full appraisal. Let’s take the guesswork out of your next move.

What Is an Accurate Home Valuation?

An accurate home valuation reflects the true market value of your property in today’s real estate climate. It plays a critical role in buying, selling, refinancing, and protecting your financial interests. When securing a mortgage, your home serves as collateral—meaning the lender relies on its value to minimize risk. A precise valuation ensures you're not overborrowing and helps protect against potential losses. For lenders, it’s a safeguard; for homeowners, it’s a smart way to stay in control of one of your most important investments.
How Is the Value of My Home Calculated?

Your home’s value is determined by a blend of key factors—starting with its location, size, age, and condition. Any upgrades or renovations you’ve made also play a role, along with the recent sale prices of similar homes in your area. Beyond the basics, our valuation tool takes into account live market data including inventory levels, interest rates, and current buyer demand. It’s a dynamic approach designed to reflect real-time trends and provide a more accurate picture of your property’s true market position.
How Accurate Is an Online Home Valuation?

Online valuations are a helpful starting point, offering a general estimate based on available data. But they don’t always capture the full picture—such as recent renovations, distinctive features, historical or architectural significance, or the nuances of buyer perception in your neighborhood. These elements can significantly impact your property’s true market value. For the most accurate assessment, I recommend scheduling a personalized Comparative Market Analysis or connecting with a trusted appraiser for an in-person evaluation.

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COMPARATIVE MARKET ANALYSIS

A Comparative Market Analysis (CMA) is a powerful pricing strategy I use to estimate your home's current value based on local, real-time data. By reviewing recently sold properties that closely match your home in size, style, and condition, I’m able to create a more tailored and accurate evaluation.

While platforms like Zillow offer basic estimates, I use tools like Homebot—which goes beyond surface-level data—to analyze comparable sales and adjust for unique features, upgrades, and market shifts. This allows me to pinpoint what your home could realistically sell for in today’s market.
BASED ON A PROFESSIONAL’...

An appraisal is a formal, unbiased valuation of your home, typically required by lenders for purchases and refinances. Unlike online tools or market analyses, appraisals are performed by licensed professionals who conduct a full visual inspection of your property—inside and out.

They evaluate structural features, condition, and upgrades, and compare your home to recently sold properties in the area. The appraiser then compiles a detailed report that includes exterior sketches, photos, maps, and explanations of how the square footage and value were calculated.

While appraisals often cost up to $500 and are paid by the homeowner, they offer the most lender-recognized snapshot of your home’s value—especially when financing is involved.
WHY IS A VALUATION IMPOR...

Key Moments When Knowing Your Home’s Value Matters
REFINANCING

When refinancing, lenders determine how much you can borrow based on your home's current value. Typically, they'll allow you to borrow up to 75% to 96.5% of that value. Knowing your equity position helps you negotiate stronger terms and potentially lower interest rates. A current, accurate valuation ensures you're leveraging your property wisely.
HOME IMPROVEMENTS

Before investing in upgrades, it’s important to understand how your home compares to others in your area. If your property is already priced near the top for your neighborhood, over-improving can make resale more difficult. A valuation provides a clear snapshot, helping you make smarter decisions about where—and how much—to invest in renovations.
QUALIFYING FOR CREDIT

Thinking about tapping into your home’s equity? A Home Equity Line of Credit (HELOC) could be a smart option—but most lenders require you to have at least 20% equity in your property. Getting a home valuation is a key first step. It helps determine if you qualify and gives lenders the information they need to evaluate your loan application.
PLANNING

Even if you’re not planning to sell or refinance, knowing your home’s value is simply smart. Life can change quickly—unexpected expenses, relocation, or new financial goals. Understanding how much equity you’ve built gives you flexibility. Whether you need to borrow against your property or make fast decisions, having an updated valuation puts you in control.
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