The tax appraisal on my house is about 20K less than it cost to build and the bank appraisal was about 80K more so how much is it worth ? I don't have any experience selling but I figured the real value is how much I get when I sell. (which I have no plans to do anytime soon)I think the appraisers pull these numbers out of their butt anyway. My house is a 1.5 story and they valued it for more than a larger 1.5 story on the same street built one year earlier.