Thanks to everyone for the answers (especially HLS & Bugs).
Enough so that a lot of the developers have becomed accustomed to not providing sales contracts for review and acting surprised when an appraiser asks for one.
So, developers did this because it makes it easier for the buyers to finance the purchase ? That is, otherwise, the buyer would have to come up with the cash for the personal property ? And the buyer doesn’t mind because the higher property tax (higher assessment based on the higher purchase price) is a small price to pay ?