Abstract: An appraisal system, method, and apparatus for property appraisals including a collector system, an appraisal database, an accounting system, and a scoring system. The collector system gathers data associated with a property and provides the data to the appraisal database. The collector system also reviews, edits, corrects, validates, and formats the data. The scoring system uses the collector system and appraisal database to access and analyze the data to calculate a score associated with the property. The score is calculated using one or more of a zone and market group associated with the property. The scoring system maps the score to one or more comparable sales of one or more other properties based on one or more of the zone and market group in order to generate an appraisal report for the property.