Property Valuation

What does 'depreciation' mean in the context of real estate appraisal?

AThe annual tax deduction allowed by the IRS for investment properties
BAny loss in value from any cause, reducing the property below its replacement cost new✓ Correct
CThe physical wearing out of a building over time only
DA reduction in the loan balance as mortgage payments are made

Explanation

In appraisal, depreciation means any loss in value from any cause — physical deterioration, functional obsolescence, or external obsolescence. It is NOT limited to tax depreciation (which is a bookkeeping concept) or to physical wear alone. Appraisers measure total depreciation to adjust replacement cost in the cost approach.

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