Scan the Block · for lender or underwriter

The collateral's record, read before the appraisal is ordered.

An appraisal values the building; this report reads its record. Hamilton County's market value split into land and improvement, the last recorded transfer with the price Ohio discloses, the permits filed on the parcel and which are still ungranted, and the flood standing on the map insurers actually use — the file a credit memo quotes, with a source on every line.

The questions it answers

What obligations transfer at close?
Are there open permits on this building?
What did the parcel last sell for, and when?
Does San Francisco publish liens or defaults?
Is there a retrofit deadline attached?
Which flood zone is it in?

The sections that earn their keep

FEMA flood zoneThe lender's map, distinguished from the city's own storm layers — with the panel and its effective date.

What attaches to the collateralOpen code-enforcement cases and any order to barricade the building, both of which survive a sale, plus the county's abatement or increment figure where the parcel carries one.

The building's permitsOpen permits are open liabilities; the report counts them rather than assuming completion.

What the parcel last sold forThe date of the last recorded transfer and its amount, which Ohio discloses. The county's value is set on a reappraisal cycle rather than by that sale, so the two are separate facts and the report keeps them apart.

What changed hands nearbyTransfer activity on the block from the roll, labeled as assessments, never as prices.

Nothing here needs a compliance read. The report contains no scores, grades or rankings — no safety rating, no school grade, no neighborhood letter. Those are the classic proxies for what the Fair Housing Act protects, and this product refuses them by design: you get counts, comparisons and sources. It names no person, and it is not a consumer report.

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