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Drive-by with attic finished

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Debra --

If we are talking about a finished attic, we're talking about GLA.

In order to have GLA you have to meet the physical arithmetic guidelines I set forth above, and in order to be GLA it has to be habitable space, i.e., heated (possibly cooled) and electrified and have finished wall and ceiling surfaces. Ventilation is required too, such as windows. A bathroom or bedroom per se is not required. In any case, the latter would show up in the "Above Grade Room Count GLA."

Dealing with finished or unfinished attic space in the empty grid lines below the Basement & Finished Rooms Below Grade grid lines of a 2055 complicates your report -- which is something that you want to avoid at all costs at all times in every case for the rest of your natural lifetime!

Get to the issue as to whether it is GLA or it isn't. Then fill in a tiny bit of narrative -- THEN move on. You're a professional appraiser. Do not dwell on the small stuff: Show that you are alert by mentioning it, then write a tidbit of narrative which dismisses it.

Now go back and figure out how to tweak for the finished or unfinished attic in the Design and Appeal line, if you think it's necessary: "1.5-FinExp," "1.5-UnfinExp," "1.0-Story." And don't be afraid to mix the 1.0 and 1.5 styles IF YOU HAVE TO/WANT TO. Figuring adjustments ought not to be too hard. But I'd be very reluctant to put anything reminiscent of GLA below the GLA square footage line section. The UW [reader] has moved on from GLA issues whence starting to read about basement areas and backyard fencing and pool and decks.
 
Hello again!

Thanks for all the information.

I've been by and got the comparable pictures and the subject's attic finished appears to be just one room with the roof pitch and has window air in one end.

I also went to the Registar of Deeds and they show nothing in the name that I was given? Do I put the name that I think is the correct one along with a copy of the deed and then just make a comment somewhere that the report was done for the AMC only for foreclosure purposes and that they show the owner name to be ___ ? This is a new one on me. Thanks for advise! Debra :)
 
Use the name the AMC gave you. If you can't verify it, simply state something like:

"Tax record [or whatever doc you searched] shows ________ to as fee owner." Doctor to suit your style or need. Don't elaborate

Foreclosure is against the owner not the occupant. If the occupant (who could be the owner [in other cases]) doesn't move, a separate action will be brought to encourage the occupant to move. If that doesn't work, another action will be taken to give further encouragement -- like a truck with a couple of really big-guy-helpers and the sheriff.
 
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