Extract appraisals and title reports to structured JSON

Appraisals establish property value through comparable sales analysis. Title reports confirm ownership and identify liens. Both are critical to real estate lending. Use Sensible to get structured appraisal and title data for underwriting, due diligence, and closing.

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Customer story: Inspectify

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Why appraisals and title reports need specialized extraction

URAR 1004 form fields, comparable sales grids, and title legal descriptions present distinct challenges.

Comparable Sales Grid

Subject property and up to three comparables, each with adjustment lines for every attribute. Every cell in the URAR 1004 grid (sale price, adjustments, GLA, lot size) gets extracted, preserving the grid structure for automated valuation.

Title Exception Parsing

Easements, liens, deed restrictions, encumbrances: Schedule B exceptions are listed as numbered items with legal descriptions and recording references. Each exception returns as a separate structured entry.

Multi-Approach Valuation

Income approach, cost approach, sales comparison: commercial appraisals use all three, each with its own calculation tables. All approaches are extracted with their supporting data so your review team can evaluate the reconciled value.

Fields we extract

Appraisal and title fields ship separately. Combine or customize for your underwriting workflow.

Subject property

Address, legal description, parcel number, property type, year built, GLA, lot size, room count, condition, zoning

Valuation data

Appraised value, effective date, sales comparison value, cost approach value, income approach value, comparable sale prices, adjustments

Title information

Vesting, legal description, prior deeds, Schedule B exceptions, liens, easements, CC&Rs, insured amount, title company


{ /* SenseML: appraisal extraction */
  "fields": [
    {
      "method": {
        "id": "queryGroup",
        "queries": [
          {
            // Appraised value
            "id": "appraised_value",
            "description": "appraised value, market value, opinion of value",
            "type": { "id": "currency" }
          },
          {
            // Effective date of the appraisal
            "id": "effective_date",
            "description": "effective date, date of value, as of date",
            "type": { "id": "date" }
          },
          {
            // Gross living area
            "id": "gla",
            "description": "gross living area, GLA, total living area, square feet",
            "type": { "id": "number" }
          },
          {
            // Property address
            "id": "property_address",
            "description": "subject property address, property address, subject address"
          }
          // Additional fields for lot size, year built, comparable sales, etc.
        ]
      }
    }
  ]
}
Title Commitment

Preliminary title report listing ownership, liens, and exceptions before closing.

Title Insurance Policy

Final title insurance policy issued after closing confirming insured ownership.

Residential Appraisal (Form 1004)

Uniform Residential Appraisal Report with comparable sales and value opinion.

Commercial Appraisal

Commercial property appraisal with income, cost, and sales comparison approaches.

Supported document types

Sensible processes URAR (1004), small residential income property forms, and commercial appraisals alongside title commitments and title policies. Hybrid extraction handles the range of form types and legal language.

Appraisals

URAR Form 1004, 2055 exterior-only, commercial appraisals, desktop appraisals, BPOs, AVMs

Title documents

Title commitments, preliminary title reports, title insurance policies (owner's and lender's), lien searches

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Common Questions

Answers about URAR grid extraction, title exception parsing, and valuation data.

What property details does Sensible capture from appraisals?

Sensible extracts property address, legal description, parcel number, property type, year built, GLA, lot size, room count, condition rating, and site improvements from the appraisal form.

Does Sensible extract title exceptions and encumbrances?

Yes. From title reports, Sensible extracts Schedule B exceptions, easements, liens, deed restrictions, and encumbrances. Each exception is returned as a separate item with its description and recording reference.

What valuation data does Sensible extract from appraisals?

Sensible captures appraised value, effective date, approach values (sales comparison, cost, income), reconciled value, and the appraiser's certification details.

Can Sensible extract comparable sales from appraisals?

Yes. Sensible extracts the comparable sales grid including address, sale price, sale date, GLA, lot size, and each adjustment line. Both URAR (1004) and summary formats are supported.

Do you support webhooks?

Yes. Sensible sends extraction results to your webhook endpoint when processing completes. You can also poll the API for status.

Does Sensible support human review?

Yes. Sensible flags extractions with low confidence for human review. You can configure review thresholds and workflows.

What security certifications does Sensible have?

Sensible is SOC 2 Type II certified and HIPAA compliant. Data is encrypted in transit and at rest.

How long is document data retained?

Document data is stored indefinitely by default. Custom retention policies are available and can be configured for same-day deletion if needed.

Is there a free trial?

Yes. Sensible offers a 14-day free trial on the Growth plan. No credit card required to start.

How is pricing structured?

Sensible uses per-document pricing for predictable costs. No token-based billing or usage surprises. Volume discounts are available for higher throughput.

How do I integrate with Sensible?

Sensible provides REST APIs and SDKs for Python and Node.js. Most integrations take a few hours. Webhooks, Zapier, and direct API calls are all supported.

What file formats does Sensible support?

Sensible processes PDFs (native or scanned), Microsoft Word (DOC, DOCX), spreadsheets (XLSX, XLS, CSV), single-page images (JPEG, PNG), multi-page images (TIFF), and email bodies with attachments.

How accurate is the extraction?

Accuracy depends on document quality and configuration. Most production deployments achieve 95%+ accuracy with proper validation rules and confidence signals.

How fast is document processing?

Processing speed depends on document size, page count, OCR requirements, and which extraction methods are used. Simple single-page documents process in seconds. Larger or more complex documents that use LLM-based extraction take longer.

Resources

Documentation Links

Docs: Insurance template quick startDocs: Validation and human reviewDocs: API and delivery options

Related insurance documents

Docs: Insurance template quick startDocs: Validation and human reviewDocs: API and delivery options