In which situation would an appraiser most likely use a "desktop appraisal"?

A desktop appraisal typically involves evaluating a property without a physical inspection, relying instead on data available from various sources such as public records, previous appraisal reports, and recent sales data. This type of appraisal is most effective in situations where the appraiser can rely on historical data to assess value accurately.

Historical data may provide sufficient insight into the property's value, particularly if the market conditions have remained stable or if comparable properties are readily available for analysis. The appraiser can make informed judgments based on trends and patterns identified in this data, making a desktop appraisal a viable option when detailed physical assessments are unnecessary.

The other situations described would likely call for more comprehensive evaluation methods. For example, a physical inspection is essential for conditions requiring detailed assessments or when unique property attributes significantly influence value. Remote locations may present challenges that necessitate a traditional appraisal approach to ensure accurate valuation. Lastly, recent changes in ownership might often need closer scrutiny of the property's condition and market factors, thus favoring a more rigorous appraisal process than a desktop approach can provide.