Posts Tagged ‘Albert Marshall Cheney’

Unfortunately, if you are refinancing or purchasing a home by obtaining a mortgage loan through a lender, your home appraisal fee will probably be $350-$500 depending on lender internal requirements as well as their choice of an Appraisal Management Company (AMC); since 21 July 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act created significant financial regulation over mortgage lenders and has also been more detrimental to the consumer in regards to more documentation and higher costs. The mortgage lending red tape has harmed good real estate appraisers trying to adhere to all of the numerous and onerous new regulations for appraisal opinion reporting. The government’s creation of more and more red tape for mortgage lenders has not been helpful but a direct detriment to consumers, home appraisers and the real estate industry as a whole.

Al Cheney is a Certified Residential Real Property Appraiser in the State of Alabama who offers special “non-financial” appraisal opinion reporting primarily within Baldwin County and Mobile County. Most residential appraisal fees will range from $225-$275 depending on location; more complex properties and or waterfront properties are quoted on a case-by-case basis. If you are a consumer/homeowner requiring an appraisal opinion report for estate settlement, property tax reduction and or any other reason not requiring a mortgage loan, call Al Cheney at 251-533-2424 today and discuss your real estate appraisal problem.

RECENT MOBILE BAY METRO AREA STATISTICS: The 2013 estimate for Baldwin County’s population is 195,540. The 2013 estimate for Mobile County’s population is 414,079. The Mobile Bay Metro Area, Baldwin County and Mobile County of Alabama, has an estimated population of 609,619. The population estimate for a 60 mile radius around Mobile, Alabama is 1.2 million people.

This information provided by Al Cheney, Certified Residential Real Property Appraiser in Alabama. Cheney Appraisal Services‘ primary Mobile MSA (metropolitan statistical area) coverage area for non-financial home (most only $225 to $275 depending on location) and undeveloped land (most only $175 to $225 depending on location) appraisal reports are within many communities (such as, Bay Minette, Daphne, Elberta, Fairhope, Grand Bay, Loxley, Robertsdale, Saraland, Satsuma, Semmes, Theodore) of Baldwin County and Mobile County, The Mobile Bay Metro Area, encompassing Historic Mobile Bay.

Cheney Appraisal Services‘ website is http://www.CheneyAppraisalServices.com/. More complex and waterfront residential properties are quoted on a case-by-case basis. Call (251)533-2424 today!

In the past 12 months, Wakefield Subdivision has had 9 home sales according the MLS records within the Mobile Area Association of Realtors website. These 9 sales range in property value from $146,000 to $205,000 with most gross living area ranging from 2,084 square feet o 2,450 square feet. All of the homes are 4 bedrooms with 2 or 3 full bathrooms. The days on the market (dom) are mostly under 120 days over the past 12 months. Currently, there are 6 active MLS listings with asking prices ranging from $159,900 to $229,000 and square footage ranging from 2,074 to 2,607 with 3 to 5 bedrooms. Wakefield Subdivision is located off the south side of Airport Boulevard, just past Snow Road, in western Mobile. The Mobile Regional Airport is located only minutes east from this residential development.

Chilton County Information

Moore Appraisals
Post Office Box 722
Jemison, AL 35085

Jemison, Alabama Information

Al Cheney’s Comments and Opinions for 29 August 2010.

As a local, born and raised in the Mobile Bay Metro Area, I am sincerely happy that the bubbling crude has finally been capped after 90 days-after 90 days! It is worth repeating since this horrific ecological and environmental disaster should have never lasted this long if it wasn’t for the many faux pas by BP Oil and our own government. They say, the majority of the surface oil has dissipated and now can’t be found. Oh, really? The “on the surface” crude problem is only hiding in the depths of the sea-harming crustaceans, oysters and other seafood for years to come.

And, yes! I do realize that biological organisms will thrive on the raw crude and eventually remove it as a major threat but, this will take a very long time. The damage has already been done and its true damage is still hidden in the depths of the sea. Enormous amounts of crude, damaging dispersants, oil soaked wetlands and sea bottoms are here to stay for decades. A possible ecological disaster lurks beneath the sea and within the wetlands for years to come.

Furthermore, the inappropriate government overreach in shutting down oil rigs (overdramatic and very political), media sensationalism damaging our Gulf Coast tourism, and an already weaken real estate industry has created more negative affects upon Alabama and the other States along the Gulf Coast. Honestly, at this time, the affects of any significant real estate and tourism recoveries are unknown.

The fact is that, a fragile economy and a weakened real estate industry have been further exacerbated by the crude ecological and environmental disaster, and the crude politics of Washington. And, our tourism for this year has been damaged by irresponsible journalism by the media. Even so, the coastline of the Gulf States and its real estate will overcome this adversity and will eventually be less affected by the BP oil spill and the many missteps of Washington. The media needs to practice more responsible journalism and avoid the traps of sensationalism. Sensationalism is not journalism!

Well, our coastal properties along the beaches as well as other properties with gulf views and close to water tributaries will eventually improve over time. For now, the recent past spreading of crude through the Gulf of Mexico has resulted in a deeper real estate market slowdown affecting property values near and along the Gulf Coast. Whether legitimate, or not, many homes located well off water tributaries have also been affected to some degree. It is a real estate market slowdown caused by a fragile economy and the worse oil spill known in North America.

From my standpoint, the negative value affects for homes located off the beaches and the Gulf of Mexico should be negligible as time leads us into the future. When looking back in time, I believe, this catastrophe will reflect “a blip on the radar screen” when focusing only on the 90-day oil spill disaster. Then, there could be the possibility of a more normal level and slight positive return of property values; if a more normal level can be equated with a fragile economy under severe stress.

The fragile economy with high unemployment (9.5% but does not include the people who have given up) and uncertainty will be much more of a future problem for Gulf Coast property values than the BP oil spill. As time leads us into the end of 2010 and into the beginning of 2011, an even more fragile economy and real estate industry might be the result when continuing to implement recessive programs and tactics by the government while banks, entrepreneurs and small businesses mostly sit on the sidelines, “digging in their heels” or “going out of business” sales. Only deregulation and lowering taxes, the cessation of large government spending, small business incentives (get the oil riggers, shrimpers and other parts of the Gulf Coast seafood industry back to work) as well as “just plain honest positive talk” from the current Administration and our government representatives (most of them forget that they work for us) will improve the real estate industry– part of the backbone of America!

The marketing conditions in the Lillian, Alabama area indicates an increase in active listings and an increase in the months of housing supply (total listings/absorption rate) which could jeopardize local property values.

Over the past 12 months (13 June 2009 to 13 June 2010), there has been a reduction of 63% in sales (88 sales in the past 12 months), resulting in an over 20 months absorption rate (115+ active listings at this posting).

The active listings and housing sales primarily range from $29,900+ to $999,000+, including manufactured homes, colonial, contemporary, cottage, ranch, and other accepted local styles.

The median sale price percentage is 92.616% to 94.299% when comparing to asking list prices. Properties will move quicker if asking prices are competitive. So, unless competitively priced, be patient, a rising absorption rate will result in longer times when selling your home within Lillian, Alabama.

Contact Cheney Appraisal Services for additional information by telephoning (251) 533-2424 or email your comments and questions to Albert@CheneyAppraisalServices.com.

The coastal properties in Alabama, Florida, Louisiana, Mississippi and Texas will be affected by this catastrophic oil spill for years to come. As of today, now 47 days and still counting, BP Oil has been ineffective in successfully stopping the flow of oil. Therefore, our Gulf Coast is faced with environmental devastation, loss of marine life and wildlife, further property devaluation (not that inept governmental and political faux pas were enough to damage), illusion of an economic recovery, businesses closing, and loss of livelihoods for longtime residents.

As a person who has lived in the Mobile Bay Metro Area (Baldwin County and Mobile County of Alabama) the majority of my life, this massive oil spill in the Gulf of Mexico conjures up so many emotions and thoughts inside me and, many unkind words (please forgive) towards all who have dragged this on for much too long. Also, the lack of expedience and nondisclosures which could be labeled lies has certainly not helped to comfort Gulf Coast residents. It is quite evident that many Gulf Coast residents do not believe BP Oil and the government have properly handled this oil spill catastrophe.

Anyway, this oil spill catastrophe will apparently be with us for many months and years to come. Our Gulf Coast area will never be the same and will definitely affect the United States as a whole and potentially have International negative implications. Also, unfortunately, coastal properties more than likely will be faced with further decline in value; not that government intrusions and regulations as well as poor and restrictive lending practices have already been enough to damage our property values and the real estate industry as a whole.

So, how will the coastal real estate marketability be affected within the Gulf Coast states? Whether true or not, the stigma of an oil spill catastrophe will, in my opinion, have a potential affect on the marketability of properties along the Gulf Coast. How much of an affect is still an unknown? The future selling of coastal properties should begin to hold the answers to these questions. So, “time will tell.”

Is your property rich in oil? If so, it’s certainly not the way you want to discover oil on your property. Contact a professional you trust and get sound advice when the stigma of oil has knocked on your door. There are many good Certified Real Estate Appraisers and Attorneys in the Gulf Coast states. It is always important to understand the affects of this oil spill upon our coastal properties.

Information and opinions have been provided by Cheney Appraisal Services, Albert Marshall Cheney, a Certified Residential Real Property Appraiser for the state of Alabama, (251) 533-2424. Albert Cheney has over 35 years of real estate experience in the southern part of Alabama.

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, assists the Appraisal Management Companies (AMCs), Clients, Lenders and Property Owners in finding active and approved Certified FHA Real Estate Appraisers within HERNANDO, OLIVE BRANCH & SOUTHAVEN and other principal cities in the State of Mississippi.

Cheney Appraisal Services provides categories of Mississippi cities and towns which list only approved Certified FHA Real Estate Appraisers with website links for contact. Periodically, these categories and lists of Certified FHA Approved Appraisers will be updated by Albert Marshall Cheney.

HERNANDO, OLIVE BRANCH & SOUTHAVEN, MISSISSIPPI
http://www.kevingrehan.com/

KEVIN P GREHAN MSRA-821
(Certified Residential)
12-31-2011
KEVIN GREHAN APPRAISALS
125 DESOTO AVE
HERNANDO,  MS  38632

https://melwoody.appraiserxsites.com/

ROGER A PALMER SR MSRA-6
(Certified Residential)
02-28-2011
OLIVE BRANCH APPRAISAL SERVICE
9356 GOODMN ROAD EAST
OLIVE BRANCH,  MS  38654

http://www.billsextonappraisals.com/

WILLIAM N SEXTON MSGA-209
(Certified General)
03-31-2012
BILL SEXTON APPRAISALS
7028 FLOWER CREEK DR
SOUTHAVEN,  MS  38671
BRENT B LIGHTSEY MSRA-863
(Certified Residential)
12-31-2011
BILL SEXTON APPRAISALS
7028 FLOWER CREEK DRIVE
SOUTHAVEN,  MS  38671
JESSICA R HALTOM MSRA-864
(Certified Residential)
12-31-2011
BILL SEXTON
7028 FLOWER CREEK DRIVE
SOUTHAVEN,  MS  38671

http://www.waynetubberville.com/

B. W TUBBERVILLE MSRA-461
(Certified Residential)
11-30-2012
APPRAISAL SERVICE-REAL ESTATE
915 FERNCLIFF, SUITE 2B
SOUTHAVEN,  MS  38671

 Cheney Appraisal ServicesAlbert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Approved Appraiser should also be in good standing with the Federal Housing Administration (FHA) and their licensing state. If anyone using this appraisal list has a legitimate reason why a Certified FHA Approved Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, assists the Appraisal Management Companies (AMCs), Clients, Lenders and Property Owners in finding active and approved Certified FHA Real Estate Appraisers within KENNER and other principal cities in the State of Louisiana.

Cheney Appraisal Services provides categories of Louisiana cities and towns which list only approved Certified FHA Real Estate Appraisers with website links for contact. Periodically, these categories and lists of Certified FHA Approved Appraisers will be updated by Albert Marshall Cheney.

KENNER, LOUISIANA

http://www.advancedappraisalservices.biz/

JOHN E PANZAVECCHIA LA1410
(Certified Residential)
12-31-2011
ADVANCED APPRAISAL SERVICES
221 COTTON BAYOU LANE
KENNER,  LA  70065

Cheney Appraisal ServicesAlbert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Approved Appraiser should also be in good standing with the Federal Housing Administration (FHA) and their licensing state. If anyone using this appraisal list has a legitimate reason why a Certified FHA Approved Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, assists the Appraisal Management Companies (AMCs), Clients, Lenders and Property Owners in finding active and approved Certified FHA Real Estate Appraisers within MONROE and other principal cities in the State of Louisiana.

Cheney Appraisal Services provides categories of Louisiana cities and towns which list only approved Certified FHA Real Estate Appraisers with website links for contact. Periodically, these categories and lists of Certified FHA Approved Appraisers will be updated by Albert Marshall Cheney.

MONROE, LOUISIANA
http://www.rmooreappraisals.com/

RICHARD K MOORE LA459
(Certified General)
12-31-2011
RICHARD K. MOORE & ASSOCIATES
1390 HUDSON LANE
MONROE,  LA  71201

http://www.hammockappraisals.com/

MIKE W HAMMOCK LA838
(Certified Residential)
12-31-2011
MIKE HAMMOCK APPRAISALS
2907 ANITA LANE
MONROE,  LA  71201

Cheney Appraisal Services, Albert Marshall Cheney, Certified FHA Approved Real Estate Appraiser, Baldwin County, Mobile County, Alabama, (251) 533-2424, has made an effort to provide current information with only active and approved Certified FHA Real Estate Appraisers with company websites. Each Certified FHA Approved Appraiser should also be in good standing with the Federal Housing Administration (FHA) and their licensing state. If anyone using this appraisal list has a legitimate reason why a Certified FHA Approved Real Estate Appraiser should not be listed within this appraisal listing, then forward your information to Cheney Appraisal Services, Albert@CheneyAppraisalServices.com, for review and removal consideration. Thank you!