# Comparable Sale

> Comparable Sale translates a unique property into a supportable opinion of value

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:appraisal-valuation:comparable-sale` |
| 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

Comparable Sale 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

Comparable Sale 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:** Comparable Sale translates a unique property into a supportable opinion of value
- **Gift:** Clarity about comparable sale makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When comparable sale 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 comparable sale is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

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

## Divination

The Pattern enters the reading through Comparable Sale. 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 Comparable Sale 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

- **Roof Inspection prices Comparable Sale.** Roof Inspection prices Comparable Sale through a change in rights, information, cash flow, priority, timing, or physical use.
- **Cost Approach prices Comparable Sale.** Cost Approach prices Comparable Sale through a change in rights, information, cash flow, priority, timing, or physical use.
- **Comparable Sale documents Adjustment.** Comparable Sale documents Adjustment through a change in rights, information, cash flow, priority, timing, or physical use.
- **Comparable Sale documents Graduated-Payment Mortgage.** Comparable Sale documents Graduated-Payment Mortgage 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 Comparable Sale 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 Comparable Sale: 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.
