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    Market Analysis

    Time Adjustment (Market Conditions Adjustment)

    An adjustment applied to a comparable sale to account for changes in market value between the date of the comparable's sale and the effective date of the appraisal. Required when market conditions have changed.

    Time adjustments are necessary in appreciating or depreciating markets. If the market has appreciated 5% since a comparable sold six months ago, a positive time adjustment of approximately 2.5% (half of the annual rate) would be applied. Time adjustments should be market-derived — extracted from re-sale analysis, listing-to-sale time studies, or median price trend analysis. They should not be based on published indices alone. The need for time adjustments increases with the age of the comparable sale and the rate of market change.

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