Just to clarify an appraisal is not necessarily an opinion of market value but rather appraised value. Here is an extreme example. Someone discovers a new item. It’s impossible to appraise it because there is nothing like it to base its value on so the market will determie the market value. While appraisals are often good estimates of fair market value they arent always. If the property doesnt have good comps of similar properties the appraisal will be tough but that doesnt mean the property isnt worth it.
You really need someone to do a good market analysis to see if the price holds water.