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North Carolina sets the value behind a bonded title from its own Value Schedule and turns to dealer appraisals only for vehicles the schedule does not list. The rules below apply to cars, trucks, trailers, and mobile homes across North Carolina, including Charlotte, Raleigh, and Greensboro.
DEFENSIBLE, USPAP-COMPLIANT APPRAISAL REPORTS — QUALIFIED FOR NORTH CAROLINA LENDERS, BANKS, AND SURETY COMPANIES.
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Owner & CEO
Joe founded AppraiseItNow to make a certified, USPAP-compliant appraisal as simple to order as anything else online. A former Bain & Company strategy consultant, Joe leads the entire team and specializes in strategy, growth, and the firm's tech capabilities.
Personal Property Appraiser
ISA Accredited Member with 30 years in the trade, from running estate sales and an auction gallery to appraising luxury apparel, furniture, artwork, antiques, and business assets, primarily for IRS tax filings.
Machinery & Equipment Appraiser
Third-generation auctioneer and CAGA Certified Appraiser with more than 20 years valuing machinery, equipment, vehicles, business assets, and estates for banks, attorneys, and trustees across the Carolinas.
Personal Property Appraiser
ISA Accredited Member specializing in Asian art, with a Master's from SOAS and a Postgraduate Diploma in Asian Art. Ashley chairs the ISA's Antiques, Furnishings, and Decorative Arts committee and appraises for charitable donation, insurance, and equitable distribution.
Vehicle Appraiser
CAGA Certified Appraiser since 2014, covering vehicles, boats, equipment, fine art, and collectibles. A classic-car restoration background informs her vehicle work, with reports prepared for insurance, divorce, and charitable contributions.
Business Valuation Expert & Appraiser
ASA, ABV, and CFA charterholder. Since 2016 Justin has valued businesses for estate and gift tax, purchase price allocations, fairness opinions, lending, and buy-sell agreements, across manufacturing, services, retail, and pre-revenue biotech.
Business Valuation Expert & Appraiser
Accredited Senior Appraiser with the American Society of Appraisers. Raymond values capital stock, business enterprises, stock options, and intangible assets.
Client Success Manager
Manages each engagement from the first enquiry to the delivered report, and keeps you posted at every step along the way.
International Society of AppraisersAccredited Member
Certified Appraisers Guild of AmericaCertified Appraiser
American Society of AppraisersAccredited Senior Appraiser
The Appraisal FoundationAuthorized by Congress as the source of appraisal standardsWhen the ownership papers for a vehicle are lost or were never issued, North Carolina can still title it against an indemnity bond under General Statute 20-76, which protects any earlier owner or lienholder. Because the bond follows the vehicle's value, establishing that value comes first.
Cars, trucks, motorcycles, trailers, and mobile homes that changed hands without a title, or whose title was lost and cannot be replaced the usual way. Older, custom, and homemade vehicles are the ones most likely to fall outside the DMV's Value Schedule. Title bond rules in other states are covered under title bond appraisals, and values for North Carolina estates, divorces, and donations under auto appraisals in North Carolina.
What clients say we are known for
Across 80+ published AppraiseItNow reviews the picture is consistent: every one is from a client who paid us for an appraisal, and the three things they raise most often are that they would hire us again, how quickly we answer, and how much research is visible in the report.
They appraised an older trailer for me that required a bonded title. They were great with communication and it only took about 2 weeks to get a very nice detailed appraisal report, which finding comps for older trailers is not straight forward. Highly recommend!
Trailer Appraisal for Title Bond
Excellent service! We received a truck appraisal for a title bond quickly and efficiently. Most importantly, the team was always available to answer our questions. I highly recommend AppraiseItNow Inc.
Auto Appraisal for Title Bond
Excellent final product. Very professional. Questions were answered promptly, and the pricing was reasonable. I would highly recommend them and will continue to do so.
Auto Appraisal for Title Bond
Very straightforward and efficient way to gain a quality certified boat appraisal. I will suggest AppraiseItNow to all my boating friends!
Boat Appraisal for Loan Collateral
AppraiseItNow did an outstanding job appraising my 1998 Bobcat Skid Steer and circa 2010 Yuchai Crawler Dozer. We could not locate a serial number on the dozer, and there were no online sales available, but they were still able to develop an accurate appraisal using known specifications for my dozer compared to other comparable make and model dozers. They diligently researched both equipment items and provided well-documented reports.
Machinery & Equipment Appraisal
I was in dire need of an appraisal for my father's mobile home, which he needed for Medicaid approval. I couldn’t find anyone to do it for a long time, but then I found this company online and decided to give them a try. I’m so glad I did. They were wonderful to work with. I sent the pictures, and within just a few days I received the appraisal. They are absolutely worth the money.
Mobile Home Appraisal
The North Carolina DMV sets the bond at one and a half times the vehicle's determined value, with a statutory minimum of $100. Value comes from the DMV's current Value Schedule; if a vehicle or mobile home is not listed there, two written appraisals from North Carolina dealers on their letterhead must be submitted with the bond. Our appraisers prepare valuation documentation that supports this calculation when a dealer figure is contested or unavailable.
Four items: an LT-270 inspection report issued by a License and Theft Bureau inspector, an Affidavit of Facts (Form MVR-92H, per the DMV's MVR-92A instructions), an indemnity bond of at least 1.5 times the determined value, and a title application (Form MVR-1) with the title fee and highway use tax.
No. The process is administered entirely by the North Carolina DMV, from the License and Theft Bureau inspection through bond approval and title issuance. That differs from states where a court order or judicial approval is required before a bonded title can issue.
Yes. Under North Carolina's savings institution regulations (04 NCAC 16E .0403), personal property pledged as loan collateral requires a written appraisal stating the borrower's name, appraisal date, collateral value, a brief property description, any senior lien and its holder, and the signatures of two people making the appraisal. We prepare reports that document each of these elements.
