The number of individual web pages, even for salespersons within larger brokerages, is amazing. Assn. of Realtors, and it's supposed to be capitalized. Not all brokers are REaltors. Good luck to you. Cal, there's no way I can answer your question.
Real estate is a very local affair.
Appraisers in your area know the answer to your question, and you may want to consult one. Good luck to you. Sharon, I come from New York state, and in that state and in New Jersey, just about everyone uses a real estate attorney, both buyers and sellers. So my feeling is that no matter where I bought, and no matter what they told me local custom was, I'd never buy anything anywhere without having my own lawyer, someone legally obligated to look out for my best interests. It's cheaper that way.