<p>Do not use any higher value for your home. Zillow and similar reflect market averages- not your home’s condition and some market-sensitive issues. A RE person is better, but will focus on maximized potential- and cannot predict how long it would sit on the market. An assesment? My friend’s home is assessed for 300k and, in mid-2010, two of her neighbors couldn’t sell when listed at 280. IMO, use the lowest defensible number. Keep a record of where you found this and how you made any adjustments, in case questioned.</p>