KO Appraisal
Trusted appraisals.
Proudly serving San Diego County.
Kevin O'Brien, MAI, SRA, independent residential and commercial valuations for estates, trusts, divorce, tax appeal, lending, and litigation.
Valuations that hold up when someone contests them.
Multifamily, office, retail, industrial, and special-use property throughout San Diego County. Alongside residential work for estates, trusts, divorce, and property tax appeal.
Assignments support tax appeals, estate planning, gift tax reporting, divorce and partner dissolution, litigation, pre-purchase decisions, portfolio repositioning, charitable donations, eminent domain, and lending. Before founding KO Appraisal in 2023, Kevin O'Brien was a Senior Real Estate Appraiser at JP Morgan Chase and an independent fee appraiser at MVT Appraisal.
Appraisals for the moments that require proof.
Most people never order an appraisal until a lawyer, a court, the IRS, or a lender asks for one. Each of these is a different assignment with a different standard of evidence.
Estate Appraisal
A retrospective appraisal establishing what a property was worth on the date of death.
Trust Appraisal
Independent valuation supporting a trustee’s duties: funding a trust
Divorce Appraisal
A neutral opinion of value for dividing real property in a marital dissolution.
Property Tax Appeal
An independent appraisal supporting a request to reduce an assessed value that has outrun what the property…
PMI Removal
A current-value appraisal used to show a lender that the loan balance has fallen far enough below the…
FSBO / Pre-Listing Appraisal
An independent value opinion before listing
Pre-Foreclosure & Short Sale Appraisal
Valuation supporting a short sale package or a pre-foreclosure workout
Relocation Appraisal
Appraisal on the relocation industry’s own form
Income property, valued on the numbers that drive it.
A Certified General license carries no property-type or value limit. Multifamily, office, retail, industrial, and special-use assignments across the county.
Commercial Tax Appeals
Valuation evidence to challenge a commercial assessment before a county assessment appeals board.
Estate Planning & Gift Tax
Independent valuations for estate planning, probate, and gift tax reporting, prepared to meet IRS documentation requirements.
Divorce & Partner Dissolution
Neutral valuations for marital dissolution and partnership buyouts, supporting equitable division of real property assets.
Lending & Pre-Purchase
Valuations for commercial lending, refinancing, and pre-purchase due diligence.
Litigation & Eminent Domain
Court-defensible appraisals for litigation, condemnation, and eminent domain, including expert witness testimony.
Portfolio & Charitable Donations
Valuations for portfolio repositioning, charitable contributions, and strategic planning.
San Diego County, submarket by submarket.
Comparable selection is local. A La Jolla oceanfront comparable tells you nothing about a Santee tract home, and an appraiser who treats the county as one market produces reports that fall apart under review.
Certified General
California's highest appraisal classification. All property types, no value limit. Every report USPAP compliant.
1–3 weeks turnaround
Rush appraisals available for urgent deadlines.
Court-ready reports
Deposition, expert witness testimony, and rebuttal analysis available.
Next step
Tell me about the property.
Most assignments start with a short call, property type, the purpose of the appraisal, and the deadline you are working against. You get a fixed quote before any engagement, never contingent on the value reached.
Typical commercial fees range $2,000–$4,000. Residential and simpler assignments quote lower. Every engagement is quoted in advance, so the figure is known before work begins.