---
title: "What is a property valuation report? A practical guide"
description: "A property valuation report records the purpose, property, dates, evidence, assumptions and supported value for a defined assignment."
url: "https://taxateurrotterdam.pro/en/what-is-a-property-valuation-report/"
locale: "en"
author: "Taxateur Rotterdam Pro editorial team"
publishedDate: "2026-08-28T00:00:00.000Z"
updatedDate: "2026-09-17T00:00:00.000Z"
categories: "Valuation reports"
tags: "property valuation report, valuation report contents, property value"
---
# What is a property valuation report? A practical guide
A property valuation report records the purpose, property, dates, evidence, assumptions and supported value for a defined assignment.
A property valuation report is a document that records a defined opinion of value for a named purpose, property and valuation date. It describes the property and rights, explains the evidence and assumptions used, and states a conclusion that a lender, authority, adviser or private party can review.
For a clear valuation question, name the decision, recipient, property facts and valuation date before you discuss the report.
## TL;DR
Read a report in this order: purpose, recipient, property and rights, dates, inspection, comparable evidence, assumptions, limitations and conclusion.
The report answers a valuation question.
A building survey answers questions about physical condition, and a WOZ notice answers a municipal tax question.
A report can help parties discuss value at a stated date.
The parties should agree who needs to rely on it and whether a formal report is needed.
Before you compare the report, align your purpose, recipient and evidence with NHG valuation requirements.
For this assignment, keep the relevant property or file facts beside NRVT residential valuation practice guidance before you rely on the conclusion.
When your file raises a related question, compare the facts with valuation report before you choose the report scope.
When your file raises a related question, compare the facts with valuation or value indication before you choose the next step.
Before you compare the report, align your purpose, recipient and evidence with NHG valuation requirements.
For this assignment, keep the relevant property or file facts beside NRVT residential valuation practice guidance before you rely on the conclusion.
When your file raises a related question, compare the facts with [valuation report](/en/valuation-report/) before you choose the report scope.
When your file raises a related question, compare the facts with [valuation or value indication](/en/valuation-or-value-indication/) before you choose the next step.
## Context that informs this decision
Purpose, recipient, date, property facts, assumptions and evidence are the main valuation report topics.
An early value indication may suit orientation; when the decision is unclear, separate formal valuation versus a value indication before ordering.
Before an assignment, those documents are part of home valuation preparation in Rotterdam.
When a lender mentions NWWI, separate report content from report review through NWWI report review requirements.
When checking a report for a lender, compare its format and recipient conditions with [the 2026 residential valuation model](https://taxatieeindhoven.com/updates-2026-model-taxatierapport-woonruimte/) before accepting the document.
A forced sale adds access and legal constraints, so property valuation in a forced sale or auction keeps value evidence separate from the sale process.
Property facts, purpose and recipient belong to home valuation in Rotterdam.
For provider choice, reliable property valuer selection sets the same assignment and evidence questions.
One lending example requires independence and accepted report review, as stated in NHG requirements for a physical valuation report.
Inspection, file keeping, assumptions and value reasoning are covered by NRVT residential valuation rules; those subjects can frame questions without replacing the report’s own text.
## The five parts that hold the report together
### Purpose
The opening should explain why the report exists, who commissioned it and who may rely on it. A mortgage assignment, sale discussion, inheritance file and objection question can require different information.
### Property and rights
Look for the address, property type, floor area, plot or apartment right, ownership or leasehold details and relevant use. Check whether the description matches the home you know.
### Dates
The inspection date and valuation date define the evidence. A report prepared today can still value a property at an earlier date when the assignment asks for that. The date should be visible and consistent throughout the document.
### Evidence and assumptions
Comparable sales, property records, photographs, documents and market information can support the conclusion. Assumptions explain facts the valuer could not verify fully. A careful report states limits rather than hiding them.
### Conclusion
The conclusion should state the value, currency, value concept and any relevant conditions. Check that it answers the stated assignment and does not silently change the purpose.
## Why the definition matters
The phrase “valuation report” describes a document type, not one universal format.
A mortgage recipient can ask for independence, report review, a particular form and a recent valuation date.
Ask the receiving party what it accepts. A report that is well written can still fail to answer the recipient’s conditions if the assignment, date or report review arrangement differs.
## Report attributes to check
| Attribute | What to look for |
| --- | --- |
| Assignment | Purpose, client and intended recipient |
| Property | Address, rights, type, size and condition |
| Inspection | Date, extent and person who inspected |
| Valuation | Value concept, date, currency and assumptions |
| Evidence | Comparable sales and reasoning |
| Limits | Missing data, restrictions or uncertainty |
## Two common situations
### Mortgage
The lender uses the report as one part of a lending decision. Check the lender’s format, report review, age and valuation date before the appointment. A report does not set the final mortgage amount because income, commitments and product conditions also matter.
### Sale or private planning
## What a valuation report does not answer
A valuation report is not a building survey. It may record visible condition and relevant assumptions, yet a technical survey examines defects and construction questions in a different assignment.
It also does not automatically settle legal ownership, tax liability, lending approval or a dispute. Those questions belong to the responsible lender, authority or adviser.
## How to review a report
1. Match the address and property description to the home.
2. Confirm the purpose, recipient and valuation date.
3. Read the inspection scope and assumptions.
4. Test whether the comparable homes make sense.
5. Note missing facts and ask for an explanation.
6. Keep the final report with the documents used.
## FAQ
### How long is a valuation report valid?
There is no single answer for every purpose. The receiving party sets its own conditions. In the NHG physical-report context, the report may not be older than six months counted from the valuation reference date, according to the linked NHG guidance.
### Does every report include a physical inspection?
No. Valuation forms differ. Read the report’s inspection statement and ask the recipient whether a physical visit is required.
### Can I correct a factual error?
Contact the valuer and identify the exact passage. If a lender or authority is waiting for the report, ask how the corrected version should be sent.
### Is the stated value a guaranteed sale price?
No. It is an opinion for the stated purpose and date. A later transaction can differ because conditions, buyer behaviour and property facts can change.
## Next step