UAD 3.6 Checklist for Agents: Working Together for an Accurate, On-Time Appraisal

UAD 3.6, the GSEs' new appraisal reporting standard, requires more specific and verified property detail than the previous format — details like HOA fee structure, utility type, and update timing that often aren't fully captured in the MLS. When this information is ready before the inspection, reports move faster and there's less back-and-forth after the fact. This page covers what appraisers are most likely to need and can't always find on their own.

HOA / Association

Before the inspection, confirm:

• Association fee(s), including sub-association and master association fee, if a separate one exists

• Amenities and utilities included in the fee

• Any known active HOA litigation or legal actions

• Whether road maintenance is public, private, or HOA-maintained

Utilities & Site

• Water: public or private (well). If well — does it serve the whole home, or is it irrigation-only?

• Sewer: public or private (septic). If on well/septic — is public water/sewer available nearby?

• Disaster mitigation features present: storm shutters, impact-rated windows/glass, impact-resistant roof shingles, fortified roof, flood vents, or hurricane strapping/framing anchoring

• Solar panels: owned or leased? If leased, by whom?

• Other energy efficiency features: tankless water heater, added insulation, high-efficiency HVAC, etc.

• Accessory Dwelling Unit, if present: legally permitted as a rental?

Updates & Condition

• Roof: approximate last replacement

• Kitchen(s): approximate last update

• Bathroom(s): approximate last update

• Any improvements you're aware of that may not have been permitted

Listing / Market Context

• If the property was on the market notably longer or shorter than typical for the area, what's the likely reason — pricing, condition, seller motivation, timeline, or something else?

Have Comps in Mind? Share Them Early.

UAD 3.6 includes a dedicated section where the appraiser documents which additional properties were reviewed and why they weren't used in the final analysis. Sharing your most relevant comparable sales in advance — with a quick note on why you think they're a good fit (similar renovations, same subdivision, comparable lot, etc.) — lets the appraiser factor them in from the start rather than after the report is delivered. This is one of the most effective ways to avoid a Reconsideration of Value (ROV) request down the line.

What's helpful to send:

• Your top 2–3 comparable sales — closed sales only (active or pending listings can't be used as comparables)

• A brief note on why each one is relevant, if not obvious

Point of Contact

Let the appraiser know who should receive follow-up questions — you, or a transaction coordinator. Name and contact info are helpful to include up front.

Download a Printable Version

Download the UAD 3.6 Checklist (PDF) — feel free to share it with your team or fellow agents. The more of this that's gathered up front, the smoother every closing goes.