You've gotten good feedback here especially from Dan the country hick regarding cost in relation to added value. That seems to be a common misperception homeowners have about spending X and thinking that makes the home worth X more. False. Essentially it will depend on the individual buyer. I would do it however you like it assuming your tastes have mass appeal. In other words don't pick out neon colored vinyl or a bright orange stain. I don't think basement floor finish, as someone else mentioned, is going to make/break the sale.Good luck!
Agree with Irene, they've never went away since I've been selling real estate 2002.
The criteria for selecting a buyer agent - regardless of where - typically are the same. I would want a full time agent with at least 5 years experience in the area I'm buying. I'd want to know what their past clients said about them and their services/responsiveness. Check out agent websites, ask them why you should use them, see if you can talk to any of their past clients. There are a number of good, full-time, experienced agents in Southern Indiana so using the previously mentioned criteia you have a number of choices, myself included. Just let me know if I can help. Good luck.
Ask your REALTOR for guidance. If you don't have one, you should.
As several have already eluded to, relax. Talk to a couple full time professional REALTOR's who work in your area to provide you with comparative market analysis of your home's value given current market conditions in your area.I sell 45 - 55 homes a year in my area and can't think of the last time the subject of a home's Zestimate has even come up let alone killed selling it. You're chances of selling your home - for its current market value to be determined by a buyer - are unchanged since your Zestimate dropped 9.9%. Good luck.
Call the county sheriff and give them the address. They should be able to tell you if it sold.
In Kentucky there's KHC - Kentucky Housing Corporation - which has down payment assistance for those who qualify. That program allows borrowers to mortgage 100% of the sale price.I think these other options have already been mentioned but here they are again: VA, BBT Bank CHP program available only through BBT and USDA Rural Housing.Look for a full time, experienced REALTOR in the Lexington area to help you. Good luck!
Also, if you'd like me to run a report for comparable sales in the last 12 months of homes similar to yours, I'll be happy to do that and that will give you an idea of current market value which will be much more reliable than the info you are currently seeing.
The real value of a home is established when a ready, willing and able buyer makes an offer of X dollar amount to a seller. The seller either accepts, counters or rejects. If seller accepts that offer, that is the real value of that home. If the seller counters with a higher sale price and the buyer accepts, that is the real value of a home. Bottom line market value or real value is established by what a ready, willing and able buyer will pay for the real estate/home in question under current market conditions at any given time.
You've gotten some pretty good info so far and just to expand on that here's some additional. I'm a broker in IN and list foreclosure homes once they have been foreclosed on. When I am assigned a new property, I do an initial check to see if its occupied. If it is the bank I represent will work with that person living there if its a tenant so they have time to find somewhere to live. Also, the counties I am in down in Southern Indiana - Clark and Floyd - have the addresses of properties scheduled for sheriff sale on the sheriff website. You might check to see if the county shefiff where you live posts that info on their site so if/when the home is scheduled for sheriff sale you would know by checking that website a couple times week to see if it shows up. Hope that helps.