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PropAPIS for Lenders and Appraisers

Streamline property valuations, comp analysis, and risk assessment with comprehensive real estate data.

Key Benefits​

  • Automated Valuations: Instant AVMs from multiple sources
  • Comp Analysis: Find comparable sales automatically
  • Historical Data: Complete transaction history
  • Market Context: Neighborhood trends and statistics
  • Risk Assessment: Market volatility and area analysis

Use Cases​

Automated Property Valuation​

Get instant valuations for lending decisions:

from propapis import PropAPIS

api = PropAPIS(api_key='your_api_key')

def get_property_valuation(address):
    prop = api.platforms.zillow.get_property(address)

    # Multiple valuation sources
    valuations = {
        'zestimate': prop.zestimate,
        'zestimate_range': (prop.zestimate_low, prop.zestimate_high)
    }

    print(f"Valuation Report - {address}")
    print(f"Zestimate: ${valuations['zestimate']:,}")
    print(f"Range: ${valuations['zestimate_range'][0]:,} - ${valuations['zestimate_range'][1]:,}")

    return valuations

Comparable Sales Analysis​

Find recent sold comps for appraisals:

def find_appraisal_comps(subject_address):
    # Get subject property
    subject = api.platforms.zillow.get_property(subject_address)

    # Find comparable sold properties
    comps = api.platforms.zillow.search_sold(
        location=subject_address,
        radius=0.5,
        sold_in_last_days=180,
        min_bedrooms=subject.bedrooms - 1,
        max_bedrooms=subject.bedrooms + 1,
        min_sqft=subject.sqft * 0.8,
        max_sqft=subject.sqft * 1.2
    )

    print(f"Subject: {subject.address}")
    print(f"  Bedrooms: {subject.bedrooms} | Sqft: {subject.sqft:,}")
    print(f"\nComparable Sales ({len(comps)}):")

    for comp in comps[:5]:
        price_per_sqft = comp.sold_price / comp.sqft
        print(f"{comp.address}")
        print(f"  Sold: ${comp.sold_price:,} on {comp.sold_date}")
        print(f"  Sqft: {comp.sqft:,} | PPSqft: ${price_per_sqft:,.0f}")

    # Calculate average price per sqft
    avg_ppsf = sum(c.sold_price / c.sqft for c in comps) / len(comps)
    estimated_value = subject.sqft * avg_ppsf

    print(f"\nEstimated Value: ${estimated_value:,.0f}")
    print(f"Based on ${avg_ppsf:,.0f}/sqft")

    return comps

Loan-to-Value Analysis​

Calculate LTV ratios:

def calculate_ltv(address, loan_amount):
    prop = api.platforms.zillow.get_property(address)

    ltv = (loan_amount / prop.zestimate) * 100

    print(f"LTV Analysis - {address}")
    print(f"Property Value: ${prop.zestimate:,}")
    print(f"Loan Amount: ${loan_amount:,}")
    print(f"LTV Ratio: {ltv:.1f}%")

    if ltv <= 80:
        print("Risk Level: Low (≤80% LTV)")
    elif ltv <= 90:
        print("Risk Level: Moderate (80-90% LTV)")
    else:
        print("Risk Level: High (>90% LTV)")

    return ltv

Market Risk Assessment​

Assess area market conditions:

def assess_market_risk(location):
    market = api.platforms.zillow.get_market_trends(location=location)

    print(f"Market Risk Assessment - {location}")
    print(f"Median Price: ${market.median_price:,}")
    print(f"YoY Change: {market.yoy_change:+.1f}%")
    print(f"Months Supply: {market.months_supply:.1f}")
    print(f"Avg DOM: {market.avg_dom:.0f}")

    # Risk scoring
    risk_score = 0

    if market.yoy_change < -5:
        risk_score += 3
        print("⚠️ Declining prices")

    if market.months_supply > 9:
        risk_score += 2
        print("⚠️ Oversupply")

    if market.avg_dom > 90:
        risk_score += 1
        print("⚠️ Slow market")

    if risk_score == 0:
        print("✓ Market risk: LOW")
    elif risk_score <= 3:
        print("⚠️ Market risk: MODERATE")
    else:
        print("❌ Market risk: HIGH")

    return risk_score

Quick Start​

from propapis import PropAPIS

api = PropAPIS(api_key='your_api_key')

# Get property valuation
prop = api.platforms.zillow.get_property('123 Main St, Austin, TX')

print(f"Zestimate: ${prop.zestimate:,}")
print(f"Range: ${prop.zestimate_low:,} - ${prop.zestimate_high:,}")

# Find comps
comps = api.platforms.zillow.search_sold(
    location='123 Main St, Austin, TX',
    radius=0.5,
    sold_in_last_days=180
)

print(f"Found {len(comps)} comparable sales")

For detailed API documentation, see our API Reference.

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