Cheryl Marie Dejno

Utah State Certified Residential Appraiser

License #5481980-CR00

FHA #UT5481980-CR00




            Business          Alpine View Appraisals, 1684 Fox Hollow Ln H11, Park City, Utah 84098   (435) 615.8855; E-mail:




University of Wisconsin, Eau Claire, Wisconsin Biology, Philosophy and Comparative Religious Studies and Psychology with an emphasis in Physiological Psychology, May, 1987.


Technic Central Systems/ZyzaTech, NE Regional Manager, Seattle, Washington 1987-1993.  Produced cost of sales, historical and sales log analysis’ to examine each component of the territorial sales and marketing effort.  Managed all phases of manufacturer, distributor, consumer education, contracts, performance reviews, and perk programs.  Designed and submitted proposals for high purity water systems in accordance with FDA, state law, and consumer specifications. ZyzaTech was a subsidiary of Aqua Media.


AquaMedia, Marketing Director, Seattle, Washington Developed and managed programs to strengthen overall corporate Marketing, public relations, and client development objectives for Aqua Media and subsidiaries which developed and manufactured high purity water systems to the semiconductor, scientific/military laboratory, dialysis/medical and municipal culinary water and waste water treatment sectors.  I raised the corporate image through production of advertising campaigns, consumer presentations, news releases, literature, brochures, newsletters and trade show.  My efforts doubled sales each year through employing innovative marketing strategies.


            Training/        Rockwell Institute, Seattle, Washington (75 hours)

            Experience     Real Estate Law, Real Estate Appraisal, USPAP, February 1992


                                    First West Appraisal, Seattle, Washington (320 hours)

                                    Advanced appraisal training for a fee of $3,000, February – April 1992


                                    Accurate Appraisals, Bellevue, Washington; Staff Appraiser, 1992-1994


                                    Uptown Appraisal Group, Park City, Utah; Owner/Appraiser, 1994-2000


                                    Alpine View Appraisals, Park City, Utah; Owner/Appraiser, 2005-




                                    1993-1995       Washington State Licensed Appraiser

                                    1994-1997       Utah State Registered Appraiser

                                    1997-Present   Utah State Certified Appraiser and Review Appraiser

                                    1998-1999       FHA Approved (let go due to limited work in Summit Co)

                                    2009-Present   FHA Approved

                                    Utah Certified Residential #5481980-CROO, Expires 05/31/2019

                                    FHA approval #UT5481980-CROO, Expires 05/31/2019




Appraiser organizes, manages and performs all functions required relevant to appraisal (including scope of work; data gathering from public and private sources like FEMA and MLS systems; replacement cost programs; reviews sales contracts; research of demographic and community characteristics; interviews with realtors, sellers, public planners and assessors; reviews and analyses HOA budgets & minutes; complies with USPAP, HUD/FHA, GSE’s and lender regulations throughout the process of analysis and reporting of data and conclusions.)  Appraiser performs evaluation and review processes exclusively in Summit County, which is one of the more challenging markets in Utah as we are a ski mountain resort community.  Appraiser has a proven track record of expertise in the varied Summit County markets.  As a well-seasoned appraiser, I can look at the data and understand the multi-dimensional dynamics of the varied marketplace as I have the knowledge base of the different market influences contributing to the value of neighboring projects.  Appraiser expertise verified by established relationships with local government offices, realtors, banks, credit unions, GSE’s, mortgage advisors, legal/business  professionals, private investors and cash buyers.  Appraiser has excellent marks through highly rated, clean performance records, established independent fee review appraiser for multiple clients, named on numerous approved appraiser lists, and has performed hundreds of appraisals for millions in underwritten loans within my years of appraisal service.  Appraiser has modest fees and turn times along with market expertise in Summit County and Wasatch Counties while providing reliable, credible appraisals.


Areas of Interest        

trend / regression analysis, appraisal review, risk management, private investor consulting, estate planning, expert witness, asset valuation, real property asset division, prelisting valuation, sba loan valuation, primary and secondary purchase mortgages including jumbo and super jumbo, mortgage refinancing, equity/heloc, date of death appraisals, partial taking, note purchase, pre-foreclosure/foreclosure, disposition valuation, liquidation valuation, market valuation, forensic investigational retrospective field reviews, REO, private mortgage insurance removal, appeal analysis, rent schedules, operating and income statements for income producing properties, physical/functional/external depreciation, condominium including: deed restricted, workforce housing issues Mountainlands Community Housing Trust, condo-hotel, ski in/ski out, and income producing, single family residential including: green belt, conservancy easement, estate, horse property, seasonal access (cabin,) ski in/ski out, historical, waterfront, vacant land, new construction from plans and specs, expert witness and environmental impacts such as site soils, FEMA flood zones, Army Corps of Engineers designated sensitive and/or wetlands, water quality, walkability studies, sustainable building practices, land use, hazardous materials, lead based paint, storage tanks, noise impacts, fall zones, air quality, high performance housing and crack contaminated housing.




National Association of Realtors (NAR)

Utah Association of Realtors (UAR)

Western Mountain Resort Alliance (WMRA) Destination ski resort board of Realtors

Park City Board of Realtors (PCBR) Environmental Committee

Park City Multiple Listing Service (PCMLS)

Wasatch Front Regional MLS (WFRMLS)

United Appraisers of Utah (UAU)




5th 3rd Bank, Accurate Title, Advancial Federal Credit Union, Allant Credit Union, Alliance Community Federal Credit Union, Alliant Credit Union, Ally Bank, Amerifirst Financial, AmeriHome Mortgage, America First Credit Union, American Captital Mortgage Bank, American General Funding, Amtrust, Axis Appraisal, B of I Federal, Bank of America, BB&T Mortgage Compliance and QC, BMO Harris Bank, Bank of England, Bank of Internet USA, Bank of Kansas City, Bank of the West, Bayview Loan Servicing, CMG Mortgage, Cache Valley Bank, Capaha Bank, Cardinal Financial, Carrolton Bank, Cenlar Loss Mitigation, Chase Servicing Legal Support, Cenlar Loss Mitigation, Christensen & Jensen Attorneys, Citicreek Property Management, Citizens & Charter one Mortgage, Chase Legal Support, Citi Private Bank, Comerica Bank, Crosscountry Mortgage, Deseret First Credit Union, Ditech Financial, Dovenmuhle Mortgage, Dovenmuhle Mortgage Loss Management, Everbank, Fairway Independent Mortgage, Farmers Bank & Trust, Finiti, First Look Appraisals, FirstBank, First Option Mortgage, Firstrust, First National Bank of Layton, First Utah Bank, Flagstar Bank, Goldenwest Credit Union, Goldman Sachs, Got Appraisals, Granite Federal Credit Union, Green Street Mortgage, HSBC Bank USA, Home Loan Services, Home Savings Bank, Huntington National Bank, ING Direct, ITX-FNMA, Imortgage Services, JK McBride LLC, JP Morgan Chase Bank, Keybank National Association, LSI, Lakeview Loan Servicing, Law Office of Laja Thompson, Legacy Mortgage,, Luxury Rentals Park City, M&T Mortgage, MIGC, Mann Mortgage, Mark to Market, Meadows Bank, Morgan Stanley, Morgan Stanley-Private Banking, Mountain America Credit Union, Moria Development, Mortgage Compliant Advisors, Movement Mortgage, Mutual of Omaha Bank, Nations Valuation, Nationstar Mortgage, Noble Home Loans, Northeastern Appraisal Associates, Northmark Bank, NYCB Mortgage, One Trust Home Loans, One West Bank, PNC Bank, PNC Wealth Management, Park City Mortgage, Pentagon Federal Credit Union, Peoples National Bank, Plaza Home Bank, Precision Asset Management, Premier Asset Services, Radian Guaranty, Raymond James Bank,  Red Sky Risk Services, Rels Valuation, Residential Credit Solutions, Roundpoint Financial, Rushmore Loan Management Servicing, SWBC Mortgage, Security Service FCU, Stanford Federal Credit Union, State Farm Bank, Streetlinks, Summit Land Conservancy, Suntrust Mortgage, TCF Bank, Transwest Credit Union, Tricounties Bank, US Bank, US Real Estate Services, UBS Bank, USAA Federal Savings Bank, United Wholesale Mortgage, Utah Commercial Credit Union, Utah Community Credit Union, Utah Financial, WFHM Partial Release, WJ Bradley, Wallstreet Mortgage Bankers, Washington Federal Savings Bank, Wells Fargo Bank, Wetzel Trott, Wyndham Capital, Valuetrust Solutions, Veritas Funding





Scott Kimball            Kimball Associates, Appraiser, 801.560.3965


Kurt Wooley              Washington Federal Bank, Retired Senior Review Appraiser



Bonita Vanderkooi   State Farm, Insurance Agent,



Kim Klopp                 Keller Williams, Realtor, 801.580.3178


Tom Bennett              Private Investor,,  415.302.4035


Sam Aplanalp            Discovery Properties,  435.901.0702





The Park City Board of Realtors, Park City, Utah (2005-2013) Affiliate Panel Appraisal Affiliate Serves three to four times per year to educates new board members about the appraisal process as it relates to the sale/purchase of real estate within a panel of board affiliate experts in title insurance, 1031 exchange, home inspection, mortgage lending, property management, property insurance and appraisal services. 


The Park City Board of Realtors, Tuhaye, Utah 07/2010.  Panel speaker on the changes within real estate appraisal industry within the past year as it affects financing.


Park City Board of Realtors, Park City, Utah 07/2011.  Outlined seven methodologies of green appraising as it relates to “greening” the MLS.


Utah Real Estate and Appraiser Education Certification Instructor Development Workshop 2011, Park City, Utah (14 hours), 10/24/2011 Appraisal spokesperson to outlined hot topics within the appraisal industry.




The Appraisal Institute, (7 hours) The New Uniform Residential Appraisal Report (URAR), September 1993


National Highway Institutes, (32 hours) Appraisal & Appraisal Review for Federal Highway Programs, April 1994


Chrichlow, Chandler and Asociates, (2 hours) What Realtors Should Know About Title Insurance, November 1995


Mountain Fuel Supply, (3 hours) Marketing Energy Efficient Homes, November 1995


Max K. Ryujin, (3 hours) Risk Reduction: Fair Housing and Today’s Liability, November 1995


Georgia Ball, (3 hours) Making Agency Work For You—New and Valuable Information, December 1995


Salt Lake Board of Realtors, (4 hours) Physical Site Conditions, December1995


Salt Lake Board of Realtors, (3 hours) The FHA 203 (k) Loan, January 1996


Salt Lake City Board of Realtors, (3 hours) Real Estate Finance, January 1996


National Society of Appraiser Specialists, (7 hours) Manufactured Housing Valuation, June 1996


Appraisal Institute, (17 hours) USPAP, Part A & Utah Real Estate Law, November 1996


Lincoln Graduate Center, (15 hours) Manufactured Housing Appraisal, January 1997


Utah Association of Realtors, (2 hours) Lead Paint Disclosure: A Practical Guide, January 1997


Appraisal Institute, (11 hours) Standards of Professional Practice, Part B, March 1997


O’Brien Schools, (30 hours) G-3, Appraisal Methods, April 1997


Appraisal Institute, (36 hours + 3 exam hours) Residential Case Study, May 1997


Salt Lake Board of Realtors, (3 hours) Practical Applications of the Code of Ethics, June1997


Appraisal Institute, (7 hours) Seminar Topics for Appraisal, March 1998


Department of Housing and Urban Development, (3 hours) FHA/HUD Appraiser Training Course, June 1998


Washington Mutual Bank, (8 hours) Appraising Manufactured Homes, June 1998



Appraisal Institute, (7 hours) Residential Design and Functional Utility, September 1998


Appraisal Institute, (7 hours) Lease Abstracting and Analysis, February 1999


Rowe Home Inspection, (7 hours) Risk Reduction, February 1999


Washington Mutual Bank, (3 hours) Fee panel, USPAP, April 1999


Appraisal Institute, (7 hours) FHA and the Appraisal Process, July 1999


Appraisal Institute, (7 hours) Data Confirmation and Verification Methods, September 1999


Appraisal Institute, (4 hours) Impact of Planning and Zoning on Real Estate Values, June 2000


Appraisal Institute, (3.5 hours) Future Focus: Report on Residential Appraisal Trends & Issues, October 2000    


Appraisal Institute, (2 hours) State of the Valuation Profession, March 2001


Appraisal Institute, (15 hours) Uniform Standards of Professional Appraisal Practice Part C, March 2001


NAIFA, (4 hours) Defending, Documenting & Supporting Appraisal Reports, February 2003


NAIFA, (4 hours) Flips, Fraud and the FBI, February 2003


NAIFA, (7 hours) 2003 USPAP Update, February 2003


IREAS, (7 hours) The Impact of Real Estate Finance on Appraisal, May 2003


IREAS, (7 hours) The Cost Approach Revisited, May 2003


Columbia Institute, (7 hours) Uniform Standards of Professional Appraisal Practice, January 2005


Columbia Institute, (8 hours) The New Fannie Mae Forms, January 2005


Columbia Institute, (4 hours) Recerts, Updates and You, January 2005


Columbia Institute, (7 hours) Review Appraisals Update, January 2005


Utah Appraiser Association, (3 hours) Utah Economic Forecast for Real Estate, August 2006


Columbia Institute, (7 hours) National USPAP, May 2007


Appraisal Institute, (8 hours) Business Practice and Ethics, May 2007


Appraisal Institute, (8 hours)Evaluating Residential Construction, May 2007


Columbia Institute, (5 hours) Identifying Relevant Characteristics, February 2009


Columbia Institute, (7 hours) National USPAP Update and HVCC (Home Valuation Code of Conduct), April 2009


Columbia Institute,  (8 hours) FHA Today, April 2009


Columbia Institute, (8 hours) Fannie Mae Today including Form 1004MC, April 2009


Masters Appraisal Group, (8 hours) Developing & Reporting a Legally Defensible 1004 Form Report, December 2009


Class One Disaster Recovery, (2 hours) Mold: Inspecting, Assessing Risk and Mold: Remediation Options,           February 2010


Utah Association of Appraisers, (3 hours)Legislative Report to Appraisers: Utah law changes affecting appraisers, AMC rules & clarification on HVCC. April 2010


Canada Mortgage and Housing Corporation International, Park City  Area Home Builder’s Association and Build Green Utah, (2 hours) Building Science and Green Building Seminar: Introduction to green building materials, building science principles, water management, building durability, energy efficiency, third party testing, indoor environmental quality, May 2010


Appraisal Institute, (1 hour) Energy Star Qualified Homes Training, May 2010


Appraisal Institute, (1 hour) Overview of High Performing Building Valuation, May 2010


Utah Association of Appraisers, Annual Summer Symposium, (3 hours), August 2010


Park City Board of Realtors, Environmental Education Committee, (1 hour) Energy efficient homes and an overview of instantaneous hot water heaters, October 2010


Bank of America: online (1 hour) Enhanced Desk Review process for Fee Panel Appraisers and Contract Desk Reviewers, January 2011 (Appraiser scored 100% on the first round of the exam)


Columbia Institute, Salt Lake City, Utah (7 hours) USPAP, April 2011


Columbia Institute, Salt Lake City, Utah (8 hours) Fannie Mae Update, April 2011


McKissock, (3 hours) Understanding the Uniform Appraisal Dataset (UAD), August 2011


Utah Real Estate and Appraiser Education Certification Instructor Development Workshop 2011, (14 hours), October 2011


Utah Department of Environment Quality, DRC Building Radon Out (3 hours), January 2012


Appraisal Institute, Green Building, (3 hours), February 2012


Utah Real Estate Division, Caravan, Park City, Ut (3 hours), April 2012


Appraisal Institute, SLC, UT (7 hours) USPAP, February 2013


First American Title, (2 hours) The Impact of Divorce on Real Estate, March 2013.


Utah Division of RE, Caravan 2013, (3 hours), April 2013


Valuemetrics, Techincal Analysis of Real Estate, Power Tools for Appraisers, Applied Predictive Analyis, Stats and Graphs (14 hours) May 2013


Watch Dog Home Inspectors, (3 hours) Utah Meth Laws September 2013


Appraisal Institute, Complex Litigation Appraisal Case Studies (7 hours) February 2014


Appraisal Institute, USPAP (7 hours) May 2014


Utah Division of RE, Caravan 2014, (3 hours) May 2014


Appraisal Institute, Litigation Assignments for Residential Appraisers (4         hours) Sept. 2014


Valuemetrics, Applied Predictive Statistics (14 hours) May 2015


Utah Division of RE, Caravan 2015 (3 hours) May 2015


Appraisal Institute, Residential Applications:  Using Technology to Measure and Support Assignment Results (8 hours) March 2016


Appraisal Institute, Residential Applications:  Part 2: Using Microsoft Excel to Analyze and Support Appraisal Assignment Results (8 hours) April 2016


Utah Division of RE, Caravan 2016 (3 hours) April 2016


Appraisal Institute, USPAP (7 hours) May 2016


Utah Division of RE, UT Caravan 2016 (3 hours) May 2016


HUD, Salt Lake City, UT The FHA Appraisal (5 hours) June 2016


Park City Board of Realtors, Code of Ethics 2016 (3 hours) July 2016


United Appraisers of Utah, Appraising for Property Tax Appeals, (3 hours) July 2016


United Appraisers of Utah, Valuing Solar Panels in Utah, (3 hours) November 2016


Utah Division of RE, UT Caravan 2017 (3 hours) April 2017


Mikissock, Divorce and Estate Appraisals, (4 hours) November 2017


United Appraisers of Utah, Appraiser Communication (4 hours) November 2017




April 1996       National Association of Professional Mortgage Women, SLC, UT

January 2005  Alamode Annual Conference, Las Vegas, Nevada

April 2005       Save our Snow I, “Impacts of climate change on Park City’s economy,” PC, UT

January 2006  Alamode Annual Conference, Las Vegas, Nevada

January 2006  Recycle Utah, Green Building, Park City, Utah

May 2006        Investools stock market education, Salt Lake City, Utah

Sept 2009       Save our Snow II, Atmosphere/Ocean General Circulation Model, PC, UT

May 2010        Utah Green Building, Park City, Utah



  • Health Department Volunteer, special events related to food safety, 1991-1994

  • Women of Taste, developing member 1995-1999   

  • EF Foundation for Foreign Study High School Year in America Award, for welcoming a student from another country into our family, 1996-1997

  • Community Action Program, real estate appraisal related services, 1997-1999

  • St. Mary’s Bereavement Committee 1998 – present; Catechist, 1998-2003; Women’s group & fundraisers, founding member, 2000-2003; Adult Educator 2015 – present

  • Artskids, art along with therapy related volunteer services, 2000-2005

  • National Ability Center, program development for autistic children, 2001-2003; Starry Night Gala, 2003-2008; Red, White & Snow, 2005-2009.

  • Trailside Elementary School & Ecker Hill Middle School, in class volunteer with reading specialty, 2002-2010; Room Parent 2002; PTA 2002-2004; Masterpieces in Art educator, 2004-2010; Scholastic Book fair, 2005-2006

  • Zinduka Center in Tanzania; Financial investment to build an educational and training center for destitute women and children in Arusha, Tanzania, 2003-2011

  • Peace House, financial investment, 2006-present

  • Crossroads Community Food Coop, founding member and Park City Food Distribution Coordinator 2006-2011

  • Park City Board of Realtors, Luxury Home Tour, 2007-2014; Habitat for Humanity Golf Tournament 2008; Educator 2005-2013; Environmental Committee 2010-2012.

  • Life Mastery III staff, 2007-2015

  • Angels in Action, financial investment, 2008-2011

  • UWEC, financial investment for social worker in South Africa, 2009   

  • Music Café, Sundance, organized and assisted child artists painting the dance floor, 2011

  • Weilenman School of Discovery, classroom & ski program 2010-2013.

  • Park City High School – National Honor Society (Bountiful Baskets, Christian Center Food Bank, Utah Food Bank, NHS 5K), PTSO and Booster Club, Debate Judge, Poetry Out Loud Judge, financial investment & volunteer, 2012 – 2015

  • Park City Lacrosse – general parent volunteer, stats 2013 - 2017

  • The Gabriel Project, financial investment, 2014 - 2017

  • Holy Cross Ministries, financial investment, 2015 - 2016

  • Sundance - Redstone Theater Team Operations volunteer;  Creative Producing Program: Lab Fellows volunteer; Summer theater series volunteer, 2015 – present

  • Salt Lake City Diocese – People with disabilities advocate, 2015 – present; Legislative advocate 2015 – present; St. Vincent de Paul soup kitchen, 2016 – present; Divine Mercy Sunday marketing committee chair 2016 – present

  • Windrider Forum, financial investment & administrative oversight volunteer 2017 - 2018

  • Park City Institute, volunteer, 2017 - present

  • REACH Program, volunteer, 2017 - present