Co-Owner of NMREC, Inc.
(formerly Michael Tarnow & Associates)
State Certified General Real Estate Appraiser (State of Michigan) #1201001061

  1. Real Estate & Appraisal Education
  2. Professional Experience
  3. Professional Affiliations
  4. Appraisal Experience/Types
  5. Lending Institutions
  6. Attorneys
  7. Expert Witness in...
  8. Real Estate Appraisals made in these counties


Formal Education

  • Delta Community College, Bay City, Michigan
    Associates Degree in Liberal Arts, 1972
  • Central Michigan University, Mt. Pleasant, Michigan
    Bachelor of Science Degree, 1975

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Appraisal Institute


  • Real Estate Appraisal Principles, 1987
  • Basic Valuation Procedures, 1987
  • Residential Valuation Procedures, 1987
  • Capitalization Theory and Techniques, Part A, 1988
  • Capitalization Theory and Techniques, Part B, 1989
  • Case Studies, 1990
  • Report Writing and Valuation Analysis, 1992
  • Hotel and Motel Valuation, 1992
  • Standards of Professional Practice, Parts A & B, 1994
  • Highest and Best Use Applications, 1997
  • Attacking and Defending an Appraisal in Litigation, 1999
  • Appraisal Institute: National USPAP Course, 2003
  • Appraisal Institute: Special Purpose Properties, 2003
  • Appraisal Institute: Appraisal Consulting, 2003
  • Appraisal Institute: Standards and Ethics for Professionals, 2003
  • Appraisal Institute: Supporting Capitalization Rates, 2004
  • Appraisal Institute: Reducing Real and Personal Property Taxes, 2004
  • Finance, Value and Investment Performance, 2005
  • Mortgage Fraud, 2006

Other Appraisal Courses

  • American Society of Farm Managers and Rural Appraisers, A-10, 1987
  • American Society of Farm Managers and Rural Appraisers, A-20, 1989
  • Holloways Real Estate Institute, Real Estate One Course, 1986
  • Holloways Real Estate Institute, Real Estate Appraisal Course, 1986
  • Nature Conservancy Easement Seminar, 1992
  • Comprehensive Appraisal Review, 1996
  • CCIM Course 101: Financial analysis for Commericial, 1999
  • CCIM Course 102, 2000

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Seminars - Appraisal Institute


  • Federal Land Bank of St. Paul, all appraisal classes offered, 1976-1991
  • Lansing Community College
    Business 201, 1985
    Computer Programming, 1986
  • Northern Michigan Community College
    Computer Spreadsheets, 1991
  • Comerica Bank
    Commercial Limited Appraisal Seminar, 1994
  • Appraisal Institute
    Standards of Professional Practice, Part C, 2001
  • Northern MI University
    MI Licensing Law, 2005

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  • Federal Land Bank Association; Loan Officer/Appraiser, Senior Loan
  • Officer/Senior Appraiser, Branch Manager/Senior Review Appraiser, Special Accounts Senior Officer, 1976-1990
  • State of Michigan, Real Estate Brokers License, 1986, license number 219271

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  • MAI Member of the Appraisal Institute, since 1997, Certificate #11223

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General Real Estate appraising since 1975. Specialized in rural farm appraisals for 15 years while employed with the Federal Land Bank (now named Farm Credit Services). General commercial appraisal since 1991 upon beginning employment with Michael Tarnow, MAI, SRA, AI-GRS.

Properties appraised include: farms, total and partial takings of various types of properties for limited access and free access right of way for the Michigan Department of Transportation, single family and multifamily residential properties, residential subdivisions, mobile home parks, schools, convenience stores, industrial plants, hotels, motels, shopping malls, strip shopping centers, office buildings, restaurants, taverns, recreational lands, fast food restaurants, veterinary clinics, deep water docking facilities, marinas, Federal Park Service properties, retail buildings, grocery stores, adult foster care facilities, miniature golf courses and numerous appraisals of all kind for the Michigan Department of Natural Resources

Special Use Property Appraisals


  • Marker Potato Farms, Elmira, Michigan
  • Underwood Cherry Farm, 7768 Center Road, Traverse City, Michigan
  • Buffalo Farm, Oleson Estate, Dafter & Bruce Townships, Chippewa County, Michigan 80 acres development property, 2800 Mitchell Road, Emmet County, Michigan
  • Edwin Mawby Trust cherry farm, Suttons Bay, Michigan
  • Cherry Farm, 7768 Bluff Road, Traverse City, Michigan
  • Farmland & buildings, Oleson Estate, Kyselka Road, Traverse City, Michigan
  • Buffalo Farm, Oleson Estate, Newton Township, Mackinaw County, Michigan
  • Eight individual lots of proposed subdivision, 840 Munson Avenue, Traverse City, Michigan
  • 15.74 acres for a proposed subdivision of West Traverse Office Plaza, West Royal Drive off Cedar Run Road, Traverse City, Michigan
  • Farm, Silver Pines Road, development property, Oleson Estate Traverse City, Michigan
  • Evans Brothers Orchards, Frankfort, Michigan
  • 3.58 acre Torch Lake Township Day Park (formerly known as Kathy's Campground), Antrim County, Michigan
  • Buffalo Farm, Oleson Estate, Superior & Kinross Townships, Chippewa County, Michigan


  • Deep Water Dock & Aggregate Storage Facility, Manistee Lake, Manistee, Michigan
  • Part of DeWitt Marine Inc., Bellaire, Michigan
  • 40 Slip Suttons Bay Yacht Club Basin Marina, Suttons Bay, Michigan


  • Northland Food Store, Kalkaska, Michigan
  • Oleson's Grocery, Manistee, Michigan
  • Kingsley Food Mart, Kingsley, Michigan
  • Oleson's Grocery, Traverse City, Michigan


  • Garfield Shopping Plaza, Gerald Oleson Trust, Traverse City, Michigan
  • Washington Street Mall, Holland, Michigan
  • Hillside Plaza, Outlet #2, Manistee, Michigan
  • Plaza 27, Unit Number One, Four, & Five, Cheboygan, Michigan
  • Oleson's Grocery, Sears, Ben Franklin Store Complex, Manistee, Michigan
  • Unit 4 & 6 of Grand Traverse Commerce Center, Traverse City, Michigan
  • Soo Plaza Shopping Center, Sault Ste. Marie, Michigan
  • Numerous strip retail centers throughout the state


  • Wendy's restaurants: US-31, Traverse City, US-10, Ludington, Manistee Highway, Manistee, Michigan
  • Former Hardee's restaurants: US-10, Ludington, US-31, Petoskey, North Mitchell Street, Cadillac, Cypress Street, Manistee, Michigan
  • Former Flip's Restaurant, Munson Avenue, Traverse City, Michigan
  • Pizza Palace Restaurant & Cross Roads Bar, Mackinaw City, Michigan
  • Arby's restaurants: I-75 Business Loop, Sault Ste. Marie, US-31 South, Traverse City, Michigan
  • Nick's Restaurant, Kalkaska, Michigan
  • Barnaby's Restaurant, Kalkaska, Michigan
  • Boone Docks, Glen Arbor, Michigan
  • Boone's Prime Time Pub, Suttons Bay, Michigan
  • Schelde's Restaurants, Traverse City, MI
  • Mear's Resaurant, Mears, MI


  • Comfort Inn Motel, Mackinaw City, Michigan
  • Best Western Dockside, Mackinaw City, MI
  • Hampton Inn Motel, Mackinaw City, Michigan
  • *North Point Inn, Mackinaw City, MI
  • *Travellodge of Mackinaw Motel, Mackinaw City, Michigan
  • *Mission Point Resort, Mackinac Island, MI
  • Ramada Inn, Sault Ste. Marie, Michigan
  • Cloghaun Inn, Mackinac Island, MI
  • *Comfort Inn Motel, Sault Ste. Marie, Michigan
  • *Ramada Inn, Whitehall, MI
  • *Colonial Inn Motel, Sault Ste. Marie, Michigan
  • Super 8 Motel, Whitehall, MI
  • *Best Western Motel, Sault Ste. Marie, Michigan
  • Best Western, Alpena, MI
  • Briar Hill Motel, Traverse City, Michigan
  • *Rodeway Inn, Traverse City, MI
  • *Best Western Georgian House Motel, St. Ignace, Michigan
  • Days Inn, Alpena, MI
  • The Retreat, Omena, Michigan
  • *Days Inn, Ludington, MI
  • *Days Inn Motel, Newberry, Michigan
  • *Motel 6, Traverse City, MI
  • *Econo Lodge Motel, Traverse City, Michigan
  • *Holiday Inn Motel, Gaylord, Michigan
  • *Days Inn Motel, Manistee, Michigan
  • *Rodeway Inn Motel, Mackinaw City, Michigan
  • *Budgetel Inn Motel, Mackinaw City, Michigan
  • Pleasant View Inn Motel, Harbor Springs, Michigan
  • Mariner Motel, Sault Ste. Marie, Michigan
  • Super 8 Motel, St. Ignace, Michigan
  • *Best Western Inn Motel, Petoskey, Michigan
  • Ramada Inn Motel, Manistique, Michigan
  • *Gold Coast Inn Motel, Traverse City, Michigan
  • Days Inn Motel, Marquette, Michigan
  • Comfort Inn Suites, Marquette, Michigan
  • *Dunes Best Western, Silver Lake, MI
  • *Holiday Inn Express, Clare, MI
  • Harbor Lights, Frankfort, MI
  • The Homestead Inn, Glen Arbor, MI
  • The Harrington Inn, Fremont, MI
  • *Colby Pines Motel, Manistee, MI
  • *Sleep Inn, Acme, MI
  • *Holidy Inn Express, Houghton Lake, MI
  • Proposed Interlochen Motel, Interlochen, MI
  • Best Valu Motel, Traverse City, MI
  • Waterland Motel, Traverse City, MI
  • *Manistee Inn and Marina Motel, Manistee, MI
  • *Parkshore Motel, Traverse City, MI
  • *Best Western Motel, Manistee, MI
  • *Best Western Motel, Traverse City, MI
  • Hampton Inn, Holland, MI
  • *Super 8 Motel, Manistee, MI
  • Torch River Resort, Torch Lake, MI
  • Comfor Inn, Traverse City, MI
  • Riviera Resort, Prudenville, MI
  • *Best Western Motel, Whitehall, MI
  • Victorian Inn, Traverse City, MI
  • Econolodge, Mackinaw City, MI
  • *Proposed Hampton Inn, Petoskey, MI
  • Shore Point Motel, Detroit, MI
  • *Traverse Bay Inn, Traverse City, MI
  • Heritage Inn, Traverse City, MI
  • Proposed Super 8, Evart, MI
  • Kewadin Inn, Sault Ste. Marie, MI
  • Alma Motel, Alma, MI
  • Ventura Motel, Ludington, MI
  • Hampton Inn Motel, Traverse City, MI
  • Silver Lodge, Mullett Lake, MI
  • Chippewa Trail Lodge, Williamsburg, MI
  • Travelodge, Traverse City, MI
  • Westwood Inn, Greenville, MI
  • Grand Mackinaw, Mackinaw City, MI
  • *Baymont Inn, Mackinaw City, MI
  • *Baymont Inn, Traverse City, MI
  • Euclid Motel, Bay City, MI
  • Four Seasons Resort, Kalkaska, MI
  • Nader's Resort, Ludington , MI
  • Holiday Inn, Petoskey, MI
  • Woodland Motel, Grayling, MI
  • Amerihost, Battle Creek, MI
  • *Best Western, Houghton, MI
  • Coyote Crossings, Cadillac, MI
  • *Best Western, Newberry, MI
  • *Bay Winds Motel, Petoskey, MI
  • Sunset Shores, Cadillac, MI
  • Proposed Best Western, Ithaca, MI
  • *Amerihost, Hudsonville, MI
  • Holiday Inn, East Tawas, MI
  • *Dunes Waterfront Resort, Mears, MI
  • Fox Haus, Traverse City, MI
  • East Bay Lodge, Houghton Lake, MI
  • Amerihost, Port Huron, MI
  • Cadillac Sands, Cadillac, MI
  • *Hampton Inn, Stevensville, MI
  • Castlewood Inn, Trout Lake, MI
  • Comfort Inn, Sault Ste. Marie, MI
  • Sun & Snow, Cadillac, MI
  • *Proposed Staybridge Suites, Kalamazoo, MI
  • Quality Inn, Gaylord, MI
  • Mariott Hotel, Traverse City, MI
  • *Kewadin Inn, Mackinaw City, MI
  • *Sierra Sands Resort, Mears, MI
  • *Manistee Inn, Manistee, MI
  • Arbor Hotel, Levering, MI
  • Proposed Days Inn, Baldwin, MI
  • *Proposed Best Western, Pentwater, MI
  • Days Inn, Sault Ste. Marie, MI
  • *Amerihost, Norton Shores, MI
  • *Proposed Hawthorne Sts., Traverse City, MI
  • *Econolodge, Manstique, MI
  • *Hotel Frankfort, Frankfort, MI
  • Americinn, Oscoda, MI
  • Kewadin Inn, St. Ignace, MI
  • *Baymont Inn, Stevensville, MI
  • *Days Inn, Mansistee, MI
  • Comfort Inn, Hart, MI
  • *Best Western, Sault Ste, Marie, MI
  • Boyne City Motel, Boyne City, MI
  • Hampton Inn, Cadillac, MI

*Indicates motels and hotels appraised multiple times.


  • Standard Convenience Stores in Benzonia and Frankfort, Michigan
  • Shell Convenience Stores in Mio, Mackinaw City, Oscoda, and Alpena, Michigan
  • Mobil Convenience Stores in Newberry, Sault Ste. Marie and Cedarville, Michigan
  • Amoco Fuel Service Station, Traverse City, Michigan
  • Shoppers Save Convenience Store, Kalkaska, Michigan
  • Total Self Serve Convenience Store, Lake City, Michigan
  • Local Express, Kincheloe, MI
  • Marathon Store, Kincheloe, MI
  • Marathon Store, Pickford, MI
  • Mobile Store, Kincheloe, MI
  • Five Shell Convenience Stores Throughout west MI
  • Amoco Convenience Store, Petoskey, MI
  • Three Shell Convenience Stores, in Mid MI


  • Too numerous to list


  • French Manor Adult Foster Care Facility, Traverse City, Michigan
  • Leelanau School, Glen Arbor, Michigan
  • Meadow Lane Village Mobile Home Park, Traverse City, Michigan
  • Adventure Golf, Sault Ste. Marie, Michigan
  • Silver Shores Mobile Home Park, Traverse City, Michigan
  • McDonald's Corporation
  • Michigan State Housing Development Authority, Lansing, Michigan
  • Michael Little, CPCU, Southfield, Michigan
  • Manistee-Benzie Community Mental Health Services, Manistee, Michigan
  • Sara Lee Bakery, Traverse City, Michigan
  • Area Agency on Aging, Traverse City, Michigan
  • Leelanau Conservancy, Leland, Michigan
  • Department of Natural Resources, Real Estate Division, Lansing, Michigan
  • Business Men's Assurance Company of America, Kansas City, Missouri
  • Valdmanis Construction Company, Traverse City, Michigan
  • The Behler - Young Company, Grand Rapids, Michigan
  • Sault Ste. Marie Tribe of Chippewa Indians, Saul Ste. Marie, Michigan
  • Geenan DeKock Properties, Holland, Michigan
  • Federal Land Bank of St.Paul
  • Farm Credit Services of Mid Michigan
  • Farm Credit Services of North Central Michigan
  • Farm Credit Services of St.Paul
  • Michigan Department of Transportation (Grand Rapids District and Cadillac District)
  • Great Lakes Fisheries Land Trust Corporation
  • ANR Pipeline Real Estate Division

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  • First of America - Northern Michigan, Cheboygan, Michigan
  • Empire National Bank, Traverse City, Michigan
  • First of America, Sault Ste. Marie, Michigan
  • First of America, Traverse City, Michigan
  • FMB Sault Bank, Sault Ste. Marie, Michigan
  • FMB Security Bank, Manistee, Michigan
  • Fidelity Bank, Birmingham, Michigan
  • NBD Bank, N.A., Traverse City, Michigan
  • NBD Bank, Grand Rapids, Michigan
  • 1st National Bank of Gaylord, Gaylord, Michigan
  • CB North, Charlevoix, Michigan
  • NBD Bank, Grand Haven, Michigan
  • Old Kent Bank, Traverse City, Michigan
  • Republic Bank, Traverse City, Michigan
  • First of America, Grand Rapids, Michigan
  • FMB Bank, Traverse City, Michigan
  • FMB Northwestern Bank, Boyne City, Michigan
  • First of America, Saginaw, Michigan
  • NBD Bank, N.A., Kalkaska, Michigan
  • Harbor Springs Bank, Harbor Springs, Michigan
  • NBD Bank, Cadillac, Michigan
  • First Michigan Bank, Wyoming, Michigan
  • First of America, Canton, Michigan
  • First of America Services, Kalamazoo, Michigan
  • Sault Bank, Sault Ste. Marie, Michigan
  • First Northern Bank & Trust, Manistique, Michigan
  • First of America Bank - Michigan, N.A., Marquette, Michigan
  • MI National Bank
  • Huntington National Bank, Traverse City, MI
  • Heller Financial
  • Fifth Third Bank, Grand Rapids, MI
  • Fifth Third Bank, Greenville, MI

Additional information on major appraisal assignments is available upon request.

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  • Howard & Howard, Lansing, Michigan
  • Running, Wise, Wilson, Ford & Phillips P.L.C., Traverse City, Michigan
  • Richard Rupcich, Attorney, Valparaiso, Indiana
  • Michael Corcoran, Attorney, Charlevoix, Michigan
  • Menmuir, Zimmerman, Kuhn & Bearup, Traverse City, Michigan
  • Murchie, Calcutt & Boynton, Traverse City, Michigan
  • Honigman Miller Schwartz Cohn, Southfield, MI

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  • Antrim County District Court
  • Clinton County District Court
  • Benzie County District Court
  • Eastern District United States Bankruptcy Court (Michigan)
  • Western District United States Bankruptcy Court (Michigan)
  • Tax Appeal Division, State of MI

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  • Marquette
  • Chippewa
  • Mackinaw
  • Emmet
  • Cheboygan
  • Charlevoix
  • Antrim
  • Otsego
  • Montmorency
  • Alpena
  • Leelanau
  • Grand Traverse
  • Kalkaska
  • Crawford
  • Oscoda
  • Alcona
  • Manistee
  • Wexford
  • Missaukee
  • Mason
  • Ottawa
  • Kent
  • Ionia
  • Clinton
  • Shiawassee
  • Eaton
  • Ingham
  • Allegan
  • Montcalm
  • Gratiot
  • Saginaw
  • Midland
  • Isabella
  • Osceola
  • Bay
  • Lake
  • Mecosta
  • Muskegon
  • Ottawa
  • Wayne
  • Ogemaw
  • Roscommon
  • Clare
  • Arenac
  • Oceana
  • Schoolcraft

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  • MAI (Member, Appraisal Institute) Appraisal Institute since March 6, 1997
  • State Certified Real Estate Appraiser (State of Michigan) #1201001061

The Appraisal Institute conducts a program of continuing education for its designated members. MAIs and RMs who meet the minimum standards of this program are awarded periodic educational certification.

I am currently certified under this program.

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The Appraisal Institute, is the oldest organization of professional appraisers in the United States. The Appraisal Institute is the result of the 1990 merger of the American Institute of Real Estate Appraisers and the society of Real Estate Appraisers. It is the largest organization of Real Estate Appraisers.

Founded in 1932 the Appraisal Institute has, during its 59-year history, attained a national reputation for professional service to the public. Courts, government agencies, lending institutions, developers and real estate brokers have relied upon - and in many cases sought out - reports prepared by appraisers who hold the MAI or RM designation. With the merger the designations include the SRA which is equivalent to the RM.

The Appraisal Institute has an intensive program designed to test knowledge, experience and judgment in the field of real estate appraising, and membership in the Institute is awarded only to those who have demonstrated their ability to meet these stringent requirements. These standards demand that a member have years of practical appraisal experience, pass extensive written tests, and submit numerous appraisal reports demonstrating the ability to render competent service to clients. Moral character, ethical conduct and professional services are always subject to review by the Appraisal Institute.

Over the years The Appraisal Institute has been a pioneer in the field of continuing appraisal education. Its first case study course was presented in 1935. Today, the Institute offers a series of thirteen different intensive one and two week courses ranging from basic appraisal principles and techniques to more technical subjects. It is also a major publisher of appraisal textbooks, monographs and periodicals.

SRA - Member - is the designation earned by those specialists who have demonstrated competence in the appraisal of single family residences.

MAI - Member, Appraisal Institute - is a designation awarded to those who have proven their ability to appraise all types of real property.

All members must subscribe to the Institute's rigid Code of Ethics and Standards of Professional Conduct.

The Appraisal Institute conducts a program of continuing education for its designated members. MAIs and SRAs who meet the minimum standards of this program are awarded periodic educational certification.

I am currently certified.

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