Kerbside Valuation (Kerbside Assessment)

A kerbside valuation is more detailed than a desktop valuation but still less accurate than a full internal valuation. The valuer visits the property in person but only assesses what can be seen from outside, such as the façade, roof condition, land size, street appeal and surrounding neighbourhood. They then combine this visual assessment with recent comparable sales and market data to form an estimated value. Kerbside valuations are commonly used by lenders for low-risk refinancing, equity checks or when they believe the property is straightforward to assess. However, they cannot capture internal renovations, condition, layout or upgrades which often results in undervaluation. Sellers should treat kerbside valuations as conservative estimates rather than true reflections of what the property could achieve on the open market. A strong local agent can often secure a significantly higher sale price by showcasing features the valuer never sees.

Practical Example

Your lender orders a kerbside valuation as part of your refinancing application. The valuer arrives, takes photos from the street and notes the external features of your property. Because they do not enter the home, they miss your fully renovated kitchen, updated bathrooms and new flooring. The kerbside valuation comes back at $880,000 which feels low given your improvements. When you invite several agents to appraise the property, they estimate a selling price between $950,000 and $1 million based on internal condition and current buyer demand. Eventually, when you list the property, competitive interest pushes the final sale price to $1.01 million which is far above the kerbside figure.

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