Assignment Overview
1428 Oakridge Dr
1428 Oakridge Dr · Farmington
Conventional Purchase · MACU
CPA
742 Canyon View Rd · Bountiful
VA Interior · Veterans United
QA
55 Frontier St · Clinton
FHA · Cross Country
Intake
3 assignments in production — all state preserved
Eff. Date · Jun 22, 2026
Production Standard 4.2 · Live Assignment

The reasoning behind every value,
organized — not automated.

Every assignment moves through four knowledge states. The system holds the evidence, the reasoning, and the documentation so the appraiser holds the judgment.

Opinion of Value
$635,000
What do we know?
CCA · Comparables
Complete
What does it mean?
CPA · Position
In progress — here now
Why do we believe it?
Professional Analysis
Pending
How do we communicate it?
Stage II · Production
Pending

1428 Oakridge Drive

Farmington, UT 84025 · Davis County
Workflow Profile
Conventional Purchase
Client / Lender
Mountain America CU
File Number
2026-0612
Contract Price
$639,000
Improvements
2,640 sf · 4 / 2.5 · Built 2009
Effective Date
Jun 22, 2026
Assignment Progress44%
4 of 9 functions complete. Currently in Competitive Position Analysis — the primary decision engine.

Operational Functions

Persistent Knowledge Objects

Knowledge that survives the assignment

Each object stays available across the full lifecycle — not regenerated, recalled.

11 objects · always on
Assignment Snapshot
Locked at intake
Workflow Profile
Conventional Purchase
Market Conditions
Updated yesterday
Neighborhood Analysis
Updated yesterday
CCA Grid
Updated 2 hours ago
CPA Narrative
Being written now
Professional Analysis
Awaiting CPA
Assignment Summary
Not started
Engineering Journal
7 entries logged

Comparable Characterization Analysis

"What do we know?"
Complete

Organize structured comparable intelligence into a defensible grid. CCA captures the facts — sales, characteristics, and MLS-derived detail — without yet deciding what they mean.

Comparable Grid

5 sales analyzed
PropertyGLABd / BaSaleNet AdjAdjusted
1428 Oakridge DrSubject2,6404 / 2.5$639,000contract
1502 Oakridge DrSame subdivision · 18 daysPRIMARY2,5804 / 2.5$628,000+$4,500$632,500
388 Shepard LnFarmington · 33 daysPRIMARY2,7204 / 3$655,000−$17,200$637,800
921 Compton RdKaysville · 45 daysBENCHMARK2,5103 / 2.5$612,000+$17,400$629,400
1190 Millcreek WayActive listingBRACKET2,6904 / 2.5$649,900list

Adjustment Basis

Paired-sales supported. Gross Living Area at $55 / sf, bath count $3,500, garage stall $4,000, basement finish $22 / sf. Lot differences immaterial within this subdivision (uniform pad sizing).

Function I/O
MLS export · 41 candidates
Comparable Grid
Comparable notes
Validation
Min. 3 closed sales✓ 3
Value bracketed✓ Yes
Adj. supported✓ Paired
Hands to
Next functionCPA →

Competitive Position Analysis

"What does it mean?"
In progress — here now

Transform structured evidence into organized market reasoning — the primary decision engine. CPA assigns roles, selects primaries, and sets the weighting philosophy that the value conclusion will rest on.

Reasoning Narrative

draft · auto-saved

Comparable roles. The two Oakridge/Shepard sales (1502 Oakridge, 388 Shepard) anchor as primary — same submarket, closed within 33 days, and closest in size and appeal to the subject. 921 Compton serves as the benchmark, bracketing the lower bound, while the 1190 Millcreek active listing brackets the upper bound and confirms the ceiling.

Weighting Philosophy
Greatest weight to 1502 Oakridge — same subdivision, most recent, fewest adjustments (net +0.7%). Secondary weight to 388 Shepard. Compton and the active listing inform the range but do not drive the point value.

Reviewer anticipation. The contract price ($639,000) sits modestly above the adjusted comparable range. A reviewer will ask why the opinion lands below contract — CPA pre-stages that answer: the two most similar sales bracket tightly at $632.5K–$637.8K, and no adjusted indicator supports the full contract figure.

Indicated Range
$629K – $638K
Adjusted, across 3 closed sales
Comparable Roles
1502 OakridgePrimary · 45%
388 ShepardPrimary · 30%
921 ComptonBenchmark · 25%
1190 MillcreekBracket only
Hands to
Next functionProfessional Analysis →

Professional Analysis

"Why do we believe it?"
Pending — opens after CPA

Validate organized reasoning. Professional Analysis does not begin from raw data — it begins from CPA, and its job is to challenge, confirm, and defend the conclusions before they're documented.

Validation Checklist

staged from CPA
  • Is $55/sf GLA defensible? Paired-sales pull from this submarket supports $52–$58. Within tolerance.
  • Is the value bracketed? $629.4K – $637.8K adjusted brackets the $635K conclusion. Confirmed.
  • Does reconciliation weight the primaries? 75% combined to the two Oakridge/Shepard sales. Consistent with CPA.
  • Contract-to-value gap. $4,000 under contract — flagged for the reconciliation narrative; reviewer-facing comment drafted.
Reads From
CPA Narrative
Weighting philosophy
Dependency
Blocked byCPA in progress
Est. unlockOn CPA sign-off

Stage II · Production

"How do we communicate it?"
Pending

Communicate completed reasoning. Stage II should not discover new conclusions — it documents established ones into the report sections the client and reviewer will read.

Reconciliation — Approach Weighting

Sales Comparison ApproachPrimary — market-supported, bracketed
85%
Cost ApproachSupport — $642K via cost, confirms range
15%
Income ApproachNot applicable — owner-occupied SFR
N/A

Report Sections — staged from prior functions

Subject Overview, Comparable Analysis, Reconciliation, and Final Value Support assemble automatically from the Knowledge Objects already produced. Stage II writes nothing new — it formats what CCA, CPA, and Professional Analysis already established.

Final Opinion of Value
$635,000
As of Jun 22, 2026 · Sales Comparison
Assembles From
Subject Overview
Comparable Analysis
Reconciliation
Final Value Support

Assignment Initialization

Establishes the Workflow Profile
Complete

Every assignment begins here. Intake establishes the Workflow Profile that determines required outputs, analyses, and the production path for the entire file.

Assignment Snapshot

locked
Profile Selected
Conventional Purchase
Intended Use
Purchase / lending
Report Form
1004 / URAR
Inspection
Interior + Exterior
Profile Determines
Required outputs7 sections
Required analysesSCA + Cost
Client rulesMACU set

Stage I · Market & Neighborhood

Grounds the assignment in its market
Complete

Stage I establishes the market conditions and neighborhood context every later judgment depends on — the trend, the range, and the demand picture.

Market Conditions

Trend
Stable · slight appreciation
Annual Change
+3.8%
Avg. Days on Market
26 days
Months of Inventory
1.8 months
Neighborhood
Built-up95%
Price range$485K–$725K
Predominant$615K
Demand/supplyIn balance

Assignment Summary

The portable record of the whole file
Pending

A single durable summary of the assignment — what was concluded and why — that persists into the Knowledge Base for future assignments in the same market.

Assembles automatically once Stage II is complete. Will carry the value conclusion, the weighting rationale, and a market snapshot forward — so the next Farmington assignment starts with this one's intelligence instead of a blank window.

Quality Assurance

Standards compliance before delivery
Pending

A final standards pass — completeness, internal consistency, and client/USPAP compliance — run against the assembled report before it leaves the system.

QA Gate — staged checks

  • All required sections present for profile
  • Value bracketed and reconciled
  • Adjustments internally consistent with CCA
Runs Against
SourceAssembled report
StandardPS 4.2 + MACU

Archive

Knowledge retained, not retired
Pending

On completion, the assignment and all its Knowledge Objects move to the Archive — searchable, reusable intelligence that feeds the next assignment rather than disappearing.

Completed files become market memory. The next time an assignment lands in Farmington's $600K range, the Archive surfaces this file's comparables, adjustments, and market read — the compounding advantage a chat window can never build.

Knowledge Base

The firm's accumulated reasoning

Every completed assignment deposits its market reads, adjustment support, and conclusions here — a growing, queryable record of how this appraiser thinks, across years of work.

Recent Market Intelligence

Farmington · $600–650K SFR14 files
GLA adj · Davis County$52–58 / sf
Avg. DOM trend · 6 mo31 → 26 days
Feeds
CCA candidate ranking
Adjustment defaults

Engineering Journal

The decisions, dated and kept

A running log of reasoning decisions on this assignment — why a comp was excluded, why an adjustment moved — so the thinking is recoverable months later, by anyone.

  • 2h ago — Excluded 770 Glover (2,310 sf): inferior submarket, would over-adjust.
  • 3h ago — Set GLA adj to $55/sf from 4 paired sales; documented support.
  • Yesterday — Confirmed neighborhood trend stable via 6-mo MLS pull.

Production Standard 4.2

The doctrine the system implements

The governing standard. Implementation — prompts, agents, dashboards — may evolve, but the Fundamental Reasoning Invariant and the production path stay fixed. Architecture is stable; software serves it.

The Reasoning Invariant

non-negotiable

1 · What do we know? — evidence, organized (CCA)

2 · What does it mean? — reasoning, structured (CPA)

3 · Why do we believe it? — reasoning, validated (Professional Analysis)

4 · How do we communicate it? — conclusions, documented (Stage II)

Doctrine
LayersPhilosophy → Arch → Impl
JudgmentAppraiser, always
SoftwareOrganizes reasoning