Well I spoke too soon. Our appraisal came back yesterday and it was the perennial problem for modern homes, we have no kitchen. Wait, how can you not have a kitchen? So when you enter our house you enter in the middle level at the living room. You can either go down a half flight of steps to the kitchen and dining room or up a half flight to the bedrooms and bathroom. Since the kitchen is below the grade of the front door the appraiser decided it wasn't living space and didn't include it in the overall total. Funny, all of the comparable sales had kitchens.
Section 405.06 – Gross Living Area