My neighborhood is a mix of single family homes, condos, and apartments. I live in a single family home. Zillow regularly shows nearby condos as comps - well th

My neighborhood is a mix of single family homes, condos, and apartments. I live in a single family home. Zillow regularly shows nearby condos as comps - well the condos have always sold for less than the single family homes. The condos also have a high HOA that does not show up in the price. Zillow does not know that there are different kinds of buyers for condos vs single family homes, even when they are close by and a similar size. My neighbor's house is the mirror image of my own, same size, same layout, same size lot, right next door. Zillow shows my home currently at $226K more than the one next door that is the same thing. Zillow's Zestimate of my home is more than a recent appraisal - which is odd because until 2021 Zillow had a really low Zestimate for my home, like the house next door. No idea why Zillow decided on a much higher value recently for me but not for my neighbor. And I'll have to say that lenders do consider the Zestimate as part of a loan, especially in a case where needing an appraisal might not be needed - if it on the bubble then the Zestimate might be the difference of whether you get an appraisal or not.