The structural condition of the property and operational condition of the mechanicals and utilities matter the most in appraisal. While a messy, cluttered home does not present well to buyers, appraisers are trained to look beyond the clutter. They focus on the condition of the roof, the siding, the condition of the floors and walls, and the mechanicals. They are looking to see if major repairs are needed within a few years of purchase and compare to at least three other properties in the area.