Appraisal

[dflanery]

I own a 2005 Palm Harbor 28x60 in KY. At the time of purchase in 2005 my property appraised for $109,000. I recently had an appraisal for refinancing. It came in at $75,000. Is it usual for property values to drop this much in a market that was pretty stable. Can I do anything to dispute this appraisal, i.e. are there things I can compare in the documents? This low appraisal resulting in my losing the refinancing. Any comments are appreciated.