The property in question is a 1400 sq. ft home with a basement/crawl space area: The crawl portion has cement floors and ceilings high enough to walk in (if you're kinda short). This is where the furnace, electrical panels, hot water heater and washer/dryer are located. The rest of the basement is a 1BR/1BA area, with three windows, stairs to the upper area, and an external door. There is HVAC in this area, and sheetrock/framing on the walls. The BR/BA is approximately 350 sq. ft. The appraiser labeled the 1BR/1BA "Unfinished" and "Non-living space". Is there quantitative criteria for determining whether a basement area is Finished or Unfinished? Do I have a case for challenging this portion of their appraisal?