An honest number for a car that deserves one.
Certified classic-car appraisals in St. Cloud, Minnesota — documented, defensible valuations your bank, insurer, or buyer will trust.
Valuations built to hold up under scrutiny.
Every report rests on a hands-on inspection, the documentation behind the build, and current sales of comparable cars — the same standard a lender or insurer expects before they’ll stand behind a number.
Insurance appraisals
Agreed-value documentation so a restored or modified car is covered for what it’s actually worth — not a generic book figure that ignores the build.
Financing & collateral
Independent opinions of value that banks and credit unions accept when a classic is the collateral behind a loan.
Pre-purchase & sale
Know what a car is worth before money changes hands — a clear-eyed inspection and market value for buyers and sellers alike.
Estate & legal valuations
Defensible appraisals for estate settlement, charitable donation, divorce, and diminished-value or total-loss disputes.
From inspection to certified value.
A straightforward path from the first phone call to a signed report you can hand to your insurer or lender.
Talk it through
Tell us the car and why you need a value — insurance, a sale, a loan, an estate. We confirm scope and fee up front.
Physical inspection
A hands-on look at body, paint, panel fit, interior, drivetrain, and undercarriage, with photos and a documentation review.
Market analysis
We weigh the car’s condition and features against current sales of comparable vehicles to reach a supportable figure.
Certified report
A signed, written appraisal — usually within 48 hours — ready for your bank, insurer, or records.
What you get in writing.
Not a one-line number. A full narrative that documents the car and explains the value — the kind of report a financial institution accepts and a buyer can’t argue with.
- Vehicle description & VINDocumented
- Condition assessmentSection by section
- Mechanical & drivetrain notesInspected
- Estimated market valueSupported by comps
- Appraiser’s certification & signatureSigned & dated
“Knowledge. Experience. Integrity — the three things a valuation is only as good as.”
Floyd’s Appraisals is an independent, owner-operated practice in St. Cloud, Minnesota, focused entirely on classic, collector, and specialty vehicles. We don’t buy or sell cars — which means our only job on any given day is to get the number right and put our name on it.
- Independent & unbiased. No stake in the sale, so no reason to inflate or shave a figure.
- Classic-specialist. Muscle cars, hot rods, restomods, trucks, and originals — cars the price guides handle poorly.
- Report-ready. Written to be accepted by insurers, lenders, and courts.
- Local to Central Minnesota. Serving St. Cloud and the surrounding region, on-site.
Let’s put a number to it.
Tell us about your car and what the appraisal is for. We’ll confirm the scope, the fee, and a time to inspect — most reports are signed and delivered within two days.
Email Floyd’s