My father opened this office in the 1970s, and I’ve spent the last 15 years carrying it forward. A lot has changed since then.
Today, anyone can get an automated home value from a real estate app and get an instant home value.
What an algorithm can’t give you is a certified appraiser who inspects the full interior and exterior of the property, supports the value, and explains exactly how he got there. Every report carries my name and my license.
Full interior appraisals for purchase, refinance, and HELOC loans. From standard homes to waterfront and ADU properties, every report is built to hold up in underwriting.
Pricing your own home off a website estimate is how properties sit on the market. I’ll give you a defensible list price backed by comparable sales and accurate measurements, before you go live.
Paying cash means no lender is checking the value for you. An independent appraisal tells you whether the number makes sense before you’re committed.
Appraisals for divorce, partition, and other matters where the value may be contested. I work directly with attorneys, and I’m available to explain and support my findings if the report is challenged.
Whether you’re pulling cash out, dropping PMI, or getting a better rate, the appraised value determines what you qualify for. Every update to your home gets documented and considered.
When a property passes through an estate, the value has to be established as of the date of death, not today. I provide date-of-death appraisals for executors, attorneys, and CPAs handling estate tax and division of assets.
My father started appraising in Wilmington in the 1970s. I came back in 2011 to join him.
Between us, this name has been on Wilmington appraisals for close to fifty years.
Albert Jay Cottle III also graduated from East Carolina University in 1995 with a construction management degree and minor in business. In 2011 Jay moved back to Wilmington to go in business with his dad and become a residential real estate appraiser in Wilmington, NC.
Albert Jay Cottle Jr. graduated from East Carolina University in 1968 and worked as an insurance agent for a short period of time until he began his real estate sales career in the 1970’s. Mr. Cottle recently has achieved an award of Realtor Emeritus from the Cape Fear Realtors.
Homeowners benefit from unbiased reporting when working with AJ Cottle Appraisers, known as an independent property appraisal company in USA that follows USPAP standards. Our accurate valuations support buying, selling, lending.
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