How accurate is Twellie's home valuation?

Twellie runs a four-model ensemble (regression against comparable sales, hedonic regression, Gradient Boosted Trees, and a vision-based condition adjustment). Median Absolute Error in our internal benchmark is approximately 7% of sale price, comparable to Redfin Estimate and better than free Zestimate in markets with sparse public data. Each report shows the confidence band and the 8 comps used.

Can I buy a house in the US without a real estate agent?

Yes. After the 2024 NAR settlement, buyers can go unrepresented and ask the seller to credit the buyer-agent commission to the buyer at closing. Twellie replaces the agent's research and coordination work — valuation, comps, inspection responses, offer strategy, closing timeline — for $50 per property.

What is in a Twellie property report?

Every report includes: AI-driven valuation with 8 comparable sales, photo-by-photo condition grading, true cost of ownership (mortgage + tax + insurance + maintenance + HOA), risk profile (FEMA flood, climate, environmental), neighborhood intel (schools, walkability, amenities), and a recommended offer with a negotiation playbook.

How does Twellie compare to Zillow's Zestimate?

Zestimate is a free single-number AVM. Twellie is a paid report: it shows the four model outputs, the comp adjustments, the confidence interval, photo condition adjustments, and a negotiation strategy you can act on. Free AVMs answer 'what's the number'. Twellie answers 'what should I offer, and why'.

Does Twellie cover all 50 US states?

Yes. Twellie covers 155M+ US residential properties and applies state-specific property-tax rules, exemptions, transfer-tax estimates and closing-day timelines for all 50 states plus DC.

AI Home Valuation

Know the real value
before you offer.

AI home valuation for any US address — comparable sales, photo condition scoring, true cost of ownership, and negotiation strategy in one $50 report. No real estate agent required.

Analyze a property See how it works

$25,270

avg savings vs agent fees

155M+

US properties covered

14 agents

analyze in parallel

50 states

tax rules + exemptions

twellie.com/report/742-oakwood-dr

Twellie

72/100 Buy

742 Oakwood Drive

Austin, TX 78701 · 4bd 2.5ba · 2,340sf · 2001

$197$/sqft

34DOM

6Comps

Aggressive

$425,000

-8.2% vs ask

Recommended

Fair Market

$461,000

6 comps · $197/sf

Maximum

$489,000

+6.1% premium

5yr Equity Projection

+$148K

Yr 1Yr 3Yr 5

Comp Map

0.5mi radius

AI Condition

7.2/10

EXT

KIT8.5

BTH4.0

BED

YRD

BTH2

Roof 18yr · Bath 2 water damage

Monthly Cost

$3,847

5.75% · 20% down · 30yr

P&I$2,411

Tax$624

Ins$201

Maint$385

Util$226

Negotiation

Seller motivation7.2

Your leverage6.5

Open$425K

Target$461K

Ceiling$489K

Risk

Flood · Tornado

Area

Walk

Trnst

Bike

6 comps · $197/sqft median

12 photos · 3-pass Gemini AI

50-state tax engine · TX $100K exempt

What you're really paying an agent for

Real estate agents charge 5-6% of the sale price — split between buyer's and seller's agent. On a $500K home, that's $25,000-$30,000 taken from the transaction. Here's what that actually buys — and what Twellie replaces for $50 per home.

What the agent does

Traditional Agent

Twellie

Property valuation

Estimate what a home is worth based on recent sales

Gut feeling + 2-3 comps

Often biased toward closing the deal

6-10 comps, 10 adjustments

3 strategic prices with reasoning

Property condition review

Walk through the home and spot issues

Quick walkthrough, verbal notes

Not a trained inspector

AI scores every room 1-10

Red flags + $ repair estimates

Negotiation strategy

Advise on what price to offer and how to negotiate

Experience-based opinion

Incentive: higher price = higher commission

Data-driven offer range

Seller motivation score + leverage points

Cost of ownership analysis

Explain what you'll actually pay monthly

Rarely provided

Most agents only discuss the mortgage

7 cost categories

State taxes, insurance, maintenance, 5yr projection

Risk assessment

Warn about flood zones, environmental hazards, insurance issues

Usually not covered

Buyer discovers after purchase

FEMA + 5 risk categories

Insurance estimate with state crisis alerts

Closing coordination

Manage the transaction from offer to keys

Phone calls + emails

Mostly administrative work

14-step checklist

Contract gen, e-sign, wire fraud check

Total cost on a $500K home

$25,000

5% total commission

$29

/month — cancel anytime

Twellie doesn't replace showing the home or signing legal documents. For those, we connect you with flat-fee services — a $300 MLS listing instead of 3%, and a $500 closing attorney instead of $2,500.

What you get in every report

The depth of a $500 appraisal, generated in seconds.

3-Tier Strategic Pricing

Aggressive, Fair Market, and Maximum — each with comparable-backed reasoning and confidence scores.

Aggressive

$425K

Fair Market

$461K

Maximum

$489K

AI Condition Scoring

Every room rated, renovation era detected, red flags surfaced.

Kitchen8.5 / 10

Roof5.0 / 10

Water damage detected at tub base

True Cost of Ownership

Mortgage, state-specific taxes, insurance, maintenance — personalized to your rate and down payment.

$3,847/mo

at 5.75% approved rate, 20% down

Negotiation Intelligence

Seller motivation scoring, leverage analysis, and data-driven offer range.

7.2

Motivation

Days

$425K

Open at

$461K

Target

How it works

Address in, professional report out. Under 60 seconds.

Enter an address

Type any US residential address. Optionally share your budget, pre-approved rate, down payment, and whether it's a primary residence or investment.

AI analyzes everything

14 specialized agents run in parallel — pulling listing data, tax records, comps, FEMA risk, school ratings, and analyzing every listing photo with Gemini Vision AI.

Get your report

An interactive report with 3 strategic prices, room-by-room condition scoring, true monthly cost at your rate, and a negotiation playbook with specific offer amounts.

How we determine your price

USPAP-informed comparable sales methodology with 10 adjustment categories — the same framework licensed appraisers use. Hybrid AVM, not a licensed appraisal.

10 Comp Adjustment Factors

Each comparable sale is adjusted to match your property

Square footage

Price per sqft with diminishing returns above core area

$34,000

Bedrooms

3% of median comp value per bedroom difference

$14,100

Bathrooms

2% per full bath, 1% per half bath

$9,400

Age & condition

Effective age from AI photo analysis, not calendar age

$11,750

Lot size

Only applied when lots differ by more than 20%

$2,400

Garage

2% of value per garage space difference

$9,400

Pool

3-7% in warm climates, 0-2% in cold

Location micro

Busy road, cul-de-sac, views, commercial adjacency

Market timing

0.3%/month appreciation for sales older than 60 days

$4,200

Concessions

Seller credits deducted from comp sale price

True monthly cost breakdown

Most buyers only see the mortgage — we show everything

Mortgage (P&I)

Based on your approved rate and down payment

$2,411

PMI

If down payment < 20%, drops off at 80% LTV

Property tax

State-specific: homestead exemptions, reassessment rules

$624

Insurance

Adjusted for flood zone, roof age, state crisis markets

$201

HOA

If applicable, projected with 4%/yr increase

Maintenance reserve

Based on home age, condition score, deferred items

$385

Utilities

Adjusted for sqft, climate zone, home age, window type

$226

Total monthly $3,847

Maintenance isn't 1%

We model it based on what will actually break

Base rate (by home age)0.5 – 3.0%

Condition multiplier (from AI photos)0.7 – 1.8x

Deferred maintenance (5yr)itemized

Example: roof, bath, paint$30 – 49K

State-specific tax rules for all 50 states

California Prop 13 reassessment. Texas $100K homestead exemption. Florida Save Our Homes 3% cap. New Jersey's 2.49% rate. Investment properties lose homestead exemptions and uncapped reassessment applies. We calculate all of this automatically based on your address and purchase purpose.

Know the real value
before you offer.

What you're really paying an agent for

What you get in every report

3-Tier Strategic Pricing

AI Condition Scoring

True Cost of Ownership

Negotiation Intelligence

How it works

Enter an address

AI analyzes everything

Get your report

How we determine your price

10 Comp Adjustment Factors

True monthly cost breakdown

Maintenance isn't 1%

State-specific tax rules for all 50 states

$50 per home. All features included.

Single property

Investor

Stop guessing.
Start knowing.

Know the real valuebefore you offer.

What you're really paying an agent for

What you get in every report

3-Tier Strategic Pricing

AI Condition Scoring

True Cost of Ownership

Negotiation Intelligence

How it works

Enter an address

AI analyzes everything

Get your report

How we determine your price

10 Comp Adjustment Factors

True monthly cost breakdown

Maintenance isn't 1%

State-specific tax rules for all 50 states

$50 per home. All features included.

Single property

Investor

Stop guessing.Start knowing.

Know the real value
before you offer.

Stop guessing.
Start knowing.