Julie HoweMichigan Certified Residential AppraiserLicense 1204004614First Licensed 1994Traverse CityNorthern MichiganUAD 3.6 Ready Julie HoweMichigan Certified Residential AppraiserLicense 1204004614First Licensed 1994Traverse CityNorthern MichiganUAD 3.6 Ready
Julie HoweCertified Residential Appraiser
(231) 929-3930
00Cover 01Subject 02Scope 03Appraiser 04Market Area 05Order
Report TypeResidential
AppraiserJ. Howe
License1204004614
BaseTraverse City
JurisdictionMichigan

Julie Howe

Michigan Certified Residential Appraiser · Traverse City

Understanding the effects of local market conditions is a good appraiser's superpower. Coupling that with experience writing appraisals for everything from standard new construction to deeply complex custom homes on the water with acreage is what sets Boardman Appraisal's team far apart from the rest. We are entrenched and involved in our community, and proud to present detailed and carefully constructed appraisal reports with ample commentary and meticulously justified values.

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FRONT ELEVATION WATER FRONTAGE SUBJECT SCALE: N.T.S. DRAWN FOR ILLUSTRATION
Certified ResidentialState of Michigan
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Purchase & RefinanceWaterfrontEstateDate of DeathDivorceTax AppealPMI RemovalSeasonal HomesPrelisting Purchase & RefinanceWaterfrontEstateDate of DeathDivorceTax AppealPMI RemovalSeasonal HomesPrelisting
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First Licensed in Michigan
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Certified Residential Since
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Counties in the Market File
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Community Market Files

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Everything from lender and mortgage appraisals to legal appraisals, for-sale-by-owner appraisals, Tax assessment appraisals, and even pre-listing values for RE Agents!

Lenders, attorneys, agents, executors and homeowners order the same thing: a value they can defend. Here is what that covers.

Home loans

Purchase, refinance and PMI removal. A compliant report your lender can use.

Lake and bay homes

Bay, inland lake and river frontage, cottages and second homes, where frontage and access can matter more than square footage.

Estate settlement

Retrospective values for estates, trusts and probate, as of the date the file needs.

Tax appeals

Michigan appeals start at the March Board of Review. For residential property the Michigan Tax Tribunal deadline is July 31 (Grand Traverse County).

Divorce

A neutral value both sides can work from when real property gets divided.

Before the sign goes up

Selling on your own, or listing with an agent? I will provide an opinion of value to help you set the asking price just right, and improve your negotiating power.

Julie Howe, Traverse City.

I've been appraising homes in Michigan since I earned my first license in 1994, and I've held a Certified Residential credential since 2010. I work out of Traverse City and cover northern Michigan, from Ludington up to Mackinac Island.

My job is to solve a new value puzzle for every property and provide a detailed quality appraisal report that defines and defends accurate values. Whether it's going to a lender, a court, a negotiator, the city, an AMC, or another appraiser, you can be confident that my nerdy combination of education and experience delivers quality appraisal reports every time. Do you have a question? Call me. I'm eager to help and am known for providing an amazing appraisal experience.

  • Michigan Certified Residential AppraiserLicense 1204004614 · Active through July 31, 2027
  • Licensed in Michigan since 1994Original Michigan license issued February 11, 1994
  • Also Certified Residential in FloridaFlorida credential RD8191 · Active
  • Listed on the national appraiser registryVerify on the ASC National Registry
Lenders & AMCs

Julie is UAD 3.6 ready.

The redesigned Uniform Appraisal Dataset becomes mandatory for Fannie Mae and Freddie Mac loans on November 2, 2026. Julie is ready for it now.

AMCs and lenders covering Northern Michigan: send Julie a panel invite.

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Until the November 2, 2026 UAD 3.6 mandate (Fannie Mae)
Exhibit M · Market Area PlatTap a county or a pin
Antrim CountyMackinac CountyWexford CountyBenzie CountyEmmet CountyKalkaska CountyManistee CountyLeelanau CountyMason CountyCharlevoix CountyGrand Traverse CountyAntrimMackinacWexfordBenzieEmmetKalkaskaManisteeLeelanauMasonCharlevoixGrand TraverseLake MichiganGrand Traverse BayLittle Traverse BayStraits of MackinacLake HuronN

Expertise & Experience.

This map represents our coverage area. Please feel free to click on a county to see its details through the eyes of an experienced, qualified, and compassionate appraiser.

County lines: U.S. Census Bureau cartographic boundaries. Pins are approximate community centers. Not to scale.
Exhibit C: Coverage RegisterClick Any Name to Open Its Market File

Select a local County.

From Ludington to Mackinac Island, you'll see recent sales data and gain insight about what moves prices in your area.

How to use this

Pick a county for its summary, then click any community to open its market file: values, what drives them, area names and common questions. It all opens right here.

Market File

Questions people ask before they order.

Which areas does Julie Howe appraise?
Eleven northern Michigan counties: Grand Traverse, Leelanau, Benzie, Antrim, Kalkaska, Wexford, Manistee, Mason, Charlevoix, Emmet and Mackinac. Julie works out of Traverse City and covers Ludington up to Mackinac Island, including Beaver, Bois Blanc and Mackinac islands.
How fast will I get a quote?
Usually within a few minutes. Our team takes a quick look at the property in county records and MLS history, then emails a no obligation quote.
Is Julie Howe a licensed appraiser?
Yes. Julie is a Michigan Certified Residential Appraiser, license 1204004614. She earned her first Michigan appraiser license in 1994 and has held the Certified Residential credential since 2010. You can verify the license on the federal ASC appraiser registry.
When is the deadline for a Michigan property tax appeal?
Boards of Review hear appeals in March. If the board does not fix the value, the residential deadline to file with the Michigan Tax Tribunal is July 31 of the same year, according to Grand Traverse County.
Can an appraisal help me drop PMI?
Often, yes. Under federal rules you can ask your servicer to cancel PMI once the balance is scheduled to reach 80 percent of the home's original value, and the servicer can ask for evidence such as an appraisal that the value has not dropped (CFPB).
Is Julie ready for UAD 3.6?
Yes. The redesigned Uniform Appraisal Dataset has been mandatory for Fannie Mae and Freddie Mac loans since November 2, 2026, and Julie delivers it.

Read more: Mortgage appraisals · PMI removal · Waterfront homes · Estate and date of death · Property tax appeals · Divorce · Prelisting and FSBO

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Based InTraverse City · Grand Traverse County
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