What Documents Do I Need For A Home Appraisal In Provo?

Core ownership and tax documents

Appraisers and lenders often want confirmation of ownership and basic property data, so it helps to have:

• The property deed or title document showing current ownership.
• Recent property tax bill or tax assessment notice, which shows assessed value and parcel information.

In Utah, county records already hold much of this information, but providing copies reduces confusion and speeds up verification.

Property layout and legal info

If available, bring documents that clarify what exactly is included in the property:

• Any property survey, plat map, or plot map, and floor plans if you have them.
• HOA or condominium documents that note fees, rules, and common-area responsibilities, since these can affect value.

These materials help the appraiser understand boundaries, easements, and how the home fits within a subdivision or project.

Improvements, repairs, and warranties

Documentation of work done on the home is one of the most impactful sets of papers you can provide:

• A written list of major improvements and upgrades, including dates and costs, supported by receipts or invoices where possible.

Maintenance and repair records for big-ticket items

Maintenance and repair records for big-ticket items like roof, HVAC, plumbing, foundation, or structural work.

Permits and inspections

Any permits or final inspection sign-offs for additions, finished basements, structural changes, or major electrical/plumbing work.

Home warranty

If you have an active home warranty, bring that as well, since coverage of systems and appliances can be relevant to perceived condition and risk.

Utility, insurance, and cost information

Some appraisers or lenders find it useful to see operating and protection details for the home:

• Recent utility bills, which can illustrate normal usage and, in some cases, the impact of energy-efficiency upgrades (like new windows or insulation).
• Homeowners insurance declarations page, showing coverage and any special endorsements (for example, on high-value features).

While not always required, these documents can help show that the property is functioning normally and has typical carrying costs for its size and type.

Local comps and Provo-specific considerations

You do not need to pull professional comparables, but you may share information that could help the appraiser notice recent, relevant sales:

• Any list your real estate agent or you compiled of recent nearby sales that are very similar in size, age, and condition.

In Provo and the rest of Utah, appraisers must be properly licensed under state rules, but the document expectations for owners are similar to other U.S. markets; the main differences usually come from the lender or loan type (conventional, FHA, VA, USDA), not the city.

If you want the most tailored list, ask the specific appraiser or your lender what they like to see before the appointment, then gather the items above plus anything they add.