# Automated Valuation Model

> Automated Valuation Model translates a unique property into a supportable opinion of value

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:appraisal-valuation:automated-valuation-model` |
| Family | Appraisal & Valuation |
| Domain | Economics |
| Era | Institutional Age → Agentic Age |
| Kind | concept |
| Archetype | The Pattern |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Automated Valuation Model is a concept in the Appraisal & Valuation family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Automated Valuation Model translates a unique property into a supportable opinion of value.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** owner, occupant, buyer, seller, lender, investor, steward, regulator
- **Incentives:** access, certainty, control, value, continuity
- **Inputs:** place, people, records, rules, resources, time
- **Outputs:** rights, constraints, uses, relationships, consequences
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Automated Valuation Model translates a unique property into a supportable opinion of value
- **Gift:** Clarity about automated valuation model makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When automated valuation model is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when automated valuation model is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where automated valuation model appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Automated Valuation Model reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Automated Valuation Model changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Automated Valuation Model changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Automated Valuation Model can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Pattern enters the reading through Automated Valuation Model. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What changes when Automated Valuation Model becomes the unit of analysis?

**Guidance:** Shift scale, clock, stakeholder, boundary, and claim layer before choosing a move.

## Game function

Creates a graph move that changes the active map. Initiative 3.

## Relationships

- **Mold Assessment prices Automated Valuation Model.** Mold Assessment prices Automated Valuation Model through a change in rights, information, cash flow, priority, timing, or physical use.
- **Appraisal Review externalizes to Automated Valuation Model.** Appraisal Review externalizes to Automated Valuation Model through a change in rights, information, cash flow, priority, timing, or physical use.
- **Automated Valuation Model amplifies Broker Price Opinion.** Automated Valuation Model amplifies Broker Price Opinion through a change in rights, information, cash flow, priority, timing, or physical use.
- **Automated Valuation Model documents Cash-Out Refinance.** Automated Valuation Model documents Cash-Out Refinance through a change in rights, information, cash flow, priority, timing, or physical use.
- **Automated Valuation Model estimates Market Value.** Automated Valuation Model estimates Market Value through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Market Value versus Meaning
- Standardization versus Uniqueness

## Historical lineage and regulatory context

Read Automated Valuation Model through the lineage of Appraisal & Valuation: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Automated Valuation Model: one dominant symbolic mechanism with a restrained secondary counterforce; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Uniform Standards of Professional Appraisal Practice](https://appraisalfoundation.org/pages/uspap) — The Appraisal Foundation; appraisal ethics, development, reporting, review.
- [Quality Control Standards for Automated Valuation Models](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/quality-control-standards-for-automated-valuation-models/) — Consumer Financial Protection Bureau; AVM controls and valuation technology.
- [Fannie Mae Selling Guide](https://singlefamily.fanniemae.com/media/document/pdf/selling-guide-february-4-2026) — Fannie Mae; loan eligibility, underwriting, appraisal, delivery.
