How is Value Determined
Your house has many values: one to the tax assessor, others to your lender and insurance company and yet another value to you, the owner. It also has different values to buyers; depending on their needs, desires and financial resources.

The highest realistic price for your home will ultimately be determined by the market. It is highly unlikely that a buyer will pay more for your property than would have to be paid for a similar property with like amenities and features. All other considerations aside, houses that do not meet the current competition in price and terms simply do not sell.