Bundle Of Rights

Ownership of real property entails with it certain inherent rights. These rights when assembled together are considered to be a bundle, subject only to the limitations imposed by government and the rights of other property owners. These rights may be grouped into 3 categories:

·         Ownership: The right to sell, buy, bequeath, give, exchange, or lease in whole or part real property. The right to split property or transfer whole or fractional interests.

·        Quiet Possession: The right of an owner to possess property free of interference or encroachment from others, such as government, without due process of law.

·         Use: The right of an owner to use his property as he sees fit, for example: extraction of minerals, agriculture, construction of structures and roads, fencing, dwellings, residential, commercial, etc.

To reduce or eliminate one or more rights decreases the bundle and may have an impact upon value. In eminent domain, a loss in value must be compensated for.

Capitalization Rate

The rate that reflects the relationship between the value of a property and its net operating or net rental income. See Income Approach. Mathematically, it is the result of dividing a property’s net income by its value. It is sometimes called a rate-of-return or return-on-investment.

Closing Costs

All out of pocket costs associated with the closing of a real estate sales transaction. In Arizona the buyer typically pays ˝ escrow, underwriters policy if a loan is involved, recording of deed and mortgages created, home inspection, environmental inspection, appraisal, percolation test, and loan fees. In Arizona the seller typically pay ˝ escrow, title fee, owners policy, recording of Affidavit of Property Value, survey, septic test, termite inspection, well inspection, sales commission, and home warranty. The costs listed here and their allocations are typical and can vary from one sale to another.

Comparable

A property, similar in character to the property being appraised (the subject), from which market value, market rents, etc. may be derived, which in turn are used to estimate subject value or a value component.

Condemnation

The action or process of taking property through the power of eminent domain.

Conservation Easement

A right in property established to resist change, to preserve what already exists, or to preserve various features that may be deemed beneficial to the community at large, such as: scenic vistas, timberland, riparian areas, historic structures, etc. Use of the encumbered area is limited by the terms of the easement deed. It is separately owned and may cover the entire property or only a portion. If made in conformance with IRS regulations, the underlying fee simple owner may benefit from reduced federal income taxes and, as a consequence, where state income taxes are tied to federal income tax obligations, state income tax burdens may also be reduced. Additionally, heirs to an estate may receive reduced estate taxes, due to reduced basis, and since real property taxes are generally based on value, property tax savings are likely to occur.

Contiguous

Two or more properties that share a common side or boundary.

Cost Approach

One of the 3 major approaches to value estimation. It is based on the idea that the value of a property is equal to the value of the land plus the cost of all the additions less depreciation from all causes. Gen­erally people will not pay more for a property than it would otherwise cost to buy a similar site and build a similar addi­tion upon it. Therefore, under stable market condi­tions, this approach tends to set an upper limit to value.

            In summary:

                                   +          cost new

                                    -          accumulated depreciation

                                   +          land value

                                   =          value by cost approach

Cost To Cure

In condemnation, these are the costs associated with the construction of facilities, such as: retaining walls, fences, barriers, walkways, driveways, culverts, piping, etc., that will work to reduce or even eliminate, i.e. “cure,” the impact of a taking of rights and/or land from a condemned parcel.

Michael Wolff Real Estate Appraisal Services
Appraisal Glossary 2
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