Professionally appraised you can take to the bank. Walk or ride bicycle to beach, 2/2 lake view with lots of wildlife, cat5 hurricane impact windows with insulation ($30k value) association will be required to get everyone to install hurricane impact windows but you won't have to pay for that, 40 year recertification completed and all assessments paid, walk-in spa tub with therapy jets and therapy lights and water softener and stereo speakers ($20k value), all solid wood cabinets in kitchen and bathrooms with matching granite countertops, smooth ceilings no popcorn, all stainless steel appliances with huge 32 cf refrigerator, led lights in kitchen (this is a kitchen for those who love to cook with cabinets to spare, enclosed balcony for additional room, all new modern/custom closet doors.