UAD1051
WARNINGOfficial message text · Appendix H-1: UAD Compliance Rules — URAR, v1.5
The property can only be considered as new construction when 'Year Built' for the dwelling(s) is within 1 year of the 'Effective Date of Appraisal'.
Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.
What triggers UAD1051
The published rule logic, verbatim:
If NewConstructionIndicator = "true", and PropertyStructureBuiltYear is not the same year, or within 1 year of the AppraisalReportEffectiveDate, for one or more instances of IMPROVEMENT_DETAIL with ImprovementType = "Dwelling".
- • Checked for the Subject property.
- • Allowed range: Extract Year from AppraisalReportEffectiveDate to Extract Year from AppraisalReportEffectiveDate - 1 year.
- • Bound to MISMO data point
NewConstructionIndicatorat../VALUATION_ANALYSIS/PROPERTIES/PROPERTY/PROPERTY_DETAIL/
How to fix it
On the URAR, this lives at: Subject Property → New Construction. Complete or correct that field in your form software, regenerate the package, and re-check before submission.
The free UADCheck inspection evaluates UAD1051 automatically — attach your package and see in seconds whether it fires.
Begin inspection →Related messages
- UAD1049 FatalIndicate whether the property is new construction.…
- UAD1001 FatalProvide the address line for the subject property physical address.…
- UAD1002 FatalProvide the city name for the subject property physical address.…
- UAD1003 FatalProvide the county name for the subject property physical address.…
- UAD1004 FatalProvide the ZIP code for the subject property physical address.…
- UAD1005 FatalThe ZIP code for the subject property physical address must be either …
Source: Appendix H-1: UAD Compliance Rules — URAR, v1.5 (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.