Property Data Report

A Quick Guide to Property Data Reports

With the modernization of the appraisal process there was been a lot of buzz about the Freddie Mac Property Data Reports. We understand navigating these developments can be confusing, so we’re here to help.

This blog post will explain what property data reports are, why they’re helpful, and what information they contain. 

Let’s dive in!

What Is A Property Data Report (PDR)?

A Freddie Mac property data report is an overview of a single-family home’s characteristics, layout, condition, and other relevant information. The report data is collected on site by trained professionals and submitted using a proprietary Freddie Mac Dataset. 

These reports, combined with an ACE (Automated Collateral Evaluation), allows lenders to originate eligible loans without an appraisal, making them a faster and more convenient option in many cases. 

Remember that a PDR is not an appraisal, so no value is included. 

Why Property Data Reports Matter

Property data reports are a game-changer for lenders and property owners when applicable. Here are just a few of the benefits of PDRs: 

  • Saves lenders and consumers time and money — no appraisal needed. Appraisals can be expensive and take weeks. PDRs allow you to skip the appraisal step, meaning the financing process often moves forward quicker and more efficiently.
  • Appraisers and evaluators can use PDR when providing an opinion of value. Property Data Reports contain a wide range of data about a specific property. By accessing and analyzing this information, appraisers and evaluators can gather valuable insights that contribute to their opinion of a property’s value.
  • Increases transparency for all involved. As the saying goes, “Knowledge is power.” A PDR plays a pivotal role in enhancing knowledge and transparency by offering a comprehensive overview of a property’s characteristics and condition. This transparency benefits all parties, from lenders to property owners, and helps them make more strategic financial decisions. 

What’s Included In A Property Data Report?

OK, now you may be wondering what’s included as part of a property data report. These detailed reports include an overview of the interior and exterior of the home, as well as insights into any improvements and repairs.


Photographs are a key part of property data reports and help provide a good property overview for lenders and others who may not see it in person. All PDRs include photographs of the subject property containing the following:

  • A front view of the property
  • A rear view of the property
  • Side views of the property
  • A street scene
  • All interior rooms 
  • Interior and exterior of any significant or permanently affixed outbuildings (garages, sheds, etc.) 
  • Any physical deterioration, improvements, or amenities (swimming pools, decks, patios, etc.) 

Floor Plan

Property data reports also include a detailed drawing and insights about the property’s floor plan. 

The drawing includes overall property dimensions as well as the dimensions and placements for all exterior and interior walls. It also outlines obstacles such as doors, windows, appliances etc.

Client & Property Information

The report has to include basic information about the subject property and the client. Key details include:

  • The name of the client
  • The address of the property
  • HOA fees, if applicable 
  • The number of years the client has owned the property

Interior Property Details

The bulk of the PDR focuses on the interior of the property. The report goes room by room and notes materials used and the overall condition of various interior elements, including: 

  • Flooring 
  • Wall & ceiling
  • Appliances
  • Heating and cooling systems
  • Extras (fireplace, porch, etc.) 

Exterior Property Details 

Beyond the interior, inspectors will also examine the outside of the subject property and any significant or permanently affixed outbuildings. Key areas of focus include: 

  • Foundation 
  • Windows 
  • Roof
  • Infestation
  • Street (slope, material, etc.) 
  • Gutters/downspouts
  • Garage

Again, the inspection looks at the materials used, age, quality, and overall condition of these exterior elements. 

Improvements & Repairs 

Because repairs and improvements can significantly alter a property and its value, they’re noted on the report. The report focuses on: 

  • Code compliance. Are all upgrades up to code and industry standards?
  • Ongoing construction. Is there a current project in the works, and what does it entail? 
  • Energy information. Are there any renewable or energy efficiency upgrades, such as solar panels?

Data Collector Information

Because the reports need to be completed by a trained professional, details about their qualifications need to be documented. Required information includes:

  • The inspector’s name
  • Title & business
  • The inspector’s signature

These details are necessary for the PDR to be accepted. You can refer to the Freddie Mac website for more details on property data collector requirements

Learn More About Property Data Reports

Of course, we’re only scratching the surface here. There’s a lot more to these reports and using them properly than we can cover in one post. 

If you would like to learn more about Freddie Mac’s Property Data Reports and how utilizing these reports can benefit your company, check out the Freddie Mac PDR FAQ page or contact our experts

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