I have observed the older appraisers often have a outdated view of values especially in recently appreciating communities. 

Retaining your current home at a 2.875% mortgage rate maximizes cash flow, while accessing $65K in equity provides liquidity for your next steps.

But ...The first thing I observed was the replacement cost portion of the quote, was, IMO, less than what it will actually cost to demolish the remains of the existing structure, pay for any hazardous waste removal following a catastrophic loss, and actually pay to replace the property in the event of a total loss, even though I used the quote feature to increase the replacement cost value by 20% (the maximum it would allow).

Hey @Chi Lo - I actually have a video on my YouTube page about this (lookup ClosedByMo on YouTube).Regarding walls being damp and waterproofed, it means there needs to be waterproofing on the basement retainer walls (this is something you can do post-construction and the contractors would need to dig around the house exposing the basement/foundation to apply the waterproofing). 

A global trade war is seen as the biggest observable risk for 2025, followed by a tech stock plunge and concerns over inflation and bond yields14.

The strip of land is utterly worthless to anyone but him but he's happy to pay $450k to resolve everything without the courts input.I retain 100% of my building, 99.999% of my land, and 100% of my existing mortgage. 

Between Brookings and Astoria there are many county properties that cam retain their vacation rental usages or qualify for a new license.

Generally, the coverage of the policy will state; “The coverage of this policy shall continue in force as of Date of Policy in favor of an Insured after acquisition of the Title by an Insured or after conveyance by an Insured, but only so long as the Insured retains an estate or interest in the Land, or holds an obligation secured by a purchase money Mortgage given by a purchaser from the Insured, or only so long as the Insured shall have liability by reason of warranties in any transfer or conveyance of the Title.”

Thank you Chris for taking the time to elaborate on your observations.

Then separately I calculated the appreciation against each home value observation in the ZHVI dataset against its value 10 years earlier for each month.