REOS Software › For lenders and appraisers
For lenders and appraisers
Lot comps and site risk for land and A&D loans
REOS pulls together the public-record side of a land or acquisition and development loan: what lots are selling for, which builders hold land nearby, the site's flood, wetland and sewer constraints, and its zoning history.
Figures as of October 5, 2026.
Comps priced per lot
Takedowns, single builder lots and individual lot sales are sorted separately and priced per lot from county records, so a comp set compares the same kind of sale. See lot sales for how prices are worked out.
Site risk in one place
Flood zones, wetlands, slope, soils, and water and sewer availability, along with net buildable acres and the lot count the zoning allows. More on site analysis.
Zoning history
Rezonings, plats and variances on and around a site, from filing to decision, in 122 jurisdictions.
Who else is in the market
Builder-owned lots shows which builders hold lots in the submarket and how many.
To check a borrower's land budget, the free residual land value calculator runs the same residual math appraisers call the land residual technique, and the guide walks through each line.
REOS gathers and analyzes public records. It isn't an appraiser and doesn't give opinions of value, so treat it as one input to your own work.
Questions
Can REOS stand in for an appraisal?
No. REOS provides public-record data and screening analysis. It doesn't give opinions of value.
Which markets do you cover?
Underwriting covers 57 counties across Georgia, North Carolina, South Carolina and Alabama, and lot sales cover 39. The full list is on our about page.
Where do the comps come from?
County parcel and deed records and assessor sales lists, plus MLS land sales, labeled as MLS, where county records are thin.
See it on a site you're looking at
Bring a listing or a parcel you're working on, and we'll run it on the call.