Assessors/Appraisers can tell you the market value without specifics.... This home, this size, sitting in this neighborhood is worth X, they can do that....
But the reason banks require the client seeking a loan to have a certified accounting firm, certify the values of property assets, is to tell the bank the details behind each property that the bank assessor may not have easy access to... Like all the different deed restrictions and other deals made with the County.... ie. Like the fact that Trump agreed to make Mara Lago a historic land mark, a resort hotel, that can not be changed or enlarged, or can never again be sold as a single family property home, reducing its market value...
The form is required by banks and financial lenders, for the nitty gritty details that owners know, that are affecting asset values is my understanding....