Property Valuation

An appraisal report is considered 'as of' a specific date because:

AAREC requires a date on all appraisals
BProperty values change over time, and the appraised value reflects market conditions on a specific effective date✓ Correct
CThe lender requires monthly updates to all appraisals
DFederal law requires appraisals to expire after 90 days

Explanation

Appraisals are tied to a specific effective date because market values fluctuate. An appraisal states the estimated value as of a particular date — market conditions before or after that date are not reflected in the opinion of value.

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