If you are reading this, you are likely navigating a major life transition. Whether it is the dissolution of a marriage or the passing of a loved one, the financial stakes are high, and the emotional toll is real. In Riverside County, real estate is often the single most valuable asset in these situations, making an accurate, unbiased valuation critical.
At Mateo Appraisal Services, we specialize in these sensitive valuations. Here is what you need to know for 2026.
1. The "Date of Death" Appraisal (Step-Up Basis)
When a property is inherited, the IRS allows for a "Step-Up in Basis." This means the property's value for tax purposes is reset to its value on the Date of Death, not the date it was originally purchased.
Why this matters: If your parents bought a home in Murrieta in 1995 for $150,000, and it is worth $750,000 today, selling it without a step-up basis could trigger capital gains tax on that $600,000 gain. A retrospective appraisal proves the value at the time of passing, potentially saving you tens of thousands in taxes.
Pro Tip: We can perform these appraisals retrospectively. Even if the passing was 6 months ago, we use historical data to find the accurate value for that specific effective date.
2. Divorce Valuations: The "Neutral Third Party"
In a divorce, the marital home must often be divided. One spouse may want to keep the house (a buyout), or both may agree to sell. In either case, you need a number you can trust.
The 2026 Market Context: With Riverside County home values stabilizing and even rising slightly in 2026, relying on a Zillow estimate or an old appraisal is dangerous. You need a current market value to ensure a fair split.
- For Buyouts: We determine the exact equity available so you can refinance correctly.
- For Court: Our reports are defensible, data-driven, and written to meet strict legal standards. We often serve as a joint neutral appraiser hired by both attorneys to save costs.
3. What Does the Appraiser Need From You?
To ensure the most accurate valuation for your estate or divorce case, having the following ready is helpful:
- List of Improvements: Dates and costs of major renovations (Pool, Solar, ADU, Roof).
- Legal Description/Title Info: Often helpful for verifying lot lines in older areas like Woodcrest or Gavilan Hills.
- For Retrospective Appraisals: The specific Date of Death or Date of Separation.
We Are Here to Help
These are not just "transactions"—they are life events. We handle every assignment with discretion, empathy, and professional rigor. If you have questions about a probate or family law appraisal in Riverside County, call us directly at (951) 764-3212.
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Whether for estate planning, divorce, or pre-listing, we provide the accurate, unbiased valuations you need.
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