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I have been a licensed New York state appraiser for 20 years and can tell you that all above grade heated areas are included. The garage, basement (including finished basements) attics and unheated enclosed patios, porches and Florida rooms are not included.

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Q: Which parts of the property are included in the gross living area within an appraisal?
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Do you have to have a new appraisal if you don't have a mortgage and your are requesting a 60000.00 mortgage and the county property appraisers have it appraised at 1100000.00?

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