What is Appraised Value

  • Appraisals provide an objective opinion of value, but it’s not an exact science so appraisals may differ.
  • For buying and selling purposes, appraisals are usually based on market value — what the property could probably be sold for. Other types of value include insurance value, replacement value, and assessed value for property tax purposes.
  • Appraised value is not a constant number. Changes in market conditions can dramatically alter appraised value.
  • Appraised value doesn’t take into account special considerations, like the need to sell rapidly.
  • Lenders usually use either the appraised value or the sale price, whichever is less, to determine the amount of the mortgage they will offer.

Used with permission from Kim Daugherty, Real Estate Checklists and Systems, www.realestatechecklists.com



2019 USCG Auxiliary Boating Class Schedule


All Classes will be held at the Kingston Community Center
located at 201 Patton Ferry Road,Kingston, Tennessee.

March 12 & 14
From 5 PM to 9 PM each day

July 16 & 18
From 5 PM to 9 PM each day

October 8 & 10
From 5 PM to 9 PM each day


Bill & Linda White

The Coast Guard Auxiliary on Watts Bar Lake is here to offer advice and suggestions on your boating safety.

Please do not hesitate to contact us if we can assist.

COST:$ 35.00 per person
Fees will be collected at the first class [cash or check only]

Youth under 18 years of age: [ID required] will receive a $ 20.00 discount and must comply with TN Mandatory Boater Education Law.

Couples/families who share course materials may attend for only $ 10 per additional person.

William “Bill” White – Watts Bar Lake Flotilla 12-08
US Coast Guard Auxiliary

Roger L. Smith – Watts Bar Lake Flotilla 12-08
US Coast Guard Auxiliary

Vessel Safety Inspection Schedules on Tellico Lake


Helpful Info for Sellers

  • A clean uncluttered home sells
  • Homes priced right sell
  • Selling a home is inconvenient
  • Repairs left undone will cost you more money than the repair itself
  • Overpricing your home will help to sell your neighbor’s home
  • Buyers love to grill sellers that are present for home showings
  • Smelly homes sell for less money
  • Cash is not always king
  • Well maintained homes sell for more money

REALTORS® Code of Ethics

The REALTORS®’ Code of Ethics was established in 1913 by the National Association of REALTORS®. It’s a set of rules that were established to raise the standards of professionalism and service in the real estate industry. The rules are divided into three areas: 1) a broker’s duties to his clients, 2) a broker’s duties to his fellow brokers and 3) a broker’s duties to the public. The current Code of Ethics contains seventeen articles.

Over its one hundred year history, the Code of Ethics has been amended and revised to keep up with the changing times. Local REALTOR® Associations are charged with enforcing the Code of Ethics and handing down punishment to those found to be in violation of one or more of the articles.

To keep REALTORS® up to date on the Code of Ethics, the National Association of REALTORS® requires all REALTORS® to take a training course on the subject every four years.

In recognition and appreciation of their obligations to clients, customers, the public, and each other, REALTORS® continuously strive to become and remain informed on issues affecting real estate and, as knowledgeable professionals, they willingly share the fruit of their experience and study with others.

Source: National Association of REALTORS®