<human>: Can you provide a brief overview of the text?

I purchased my home in 2013 for $203,000 with a loan for $192,000. At the time I didn't have enough cash on hand to avoid PMI, but did have enough to buy it out. If the balance on my loan reaches 80% or less than the value of my home before the date I'm scheduled to by making the minimum payments, I can get a refund for my PMI buyout. The refund right now would be roughly $2,000. My loan balance is $172,000, or about 85% of my home's assessed value.

The value of my home has increased according to online appraisal sites like Zillow ($223,000), Redfin ($232,000), and Homes.com ($237,000). If I pay $250 to get my home appraised and those are accurate, I'd qualify for a refund with the amount I've paid on my mortgage. If the appraisal doesn't increase my homes value to at least $215,000 than I'm out $250 but still could qualify faster depending on the result. This all assumes that my house actually DID go up in value.
<bot>: If anyone has recent experience with a home appraisal and how it compares to the online estimate from sites like Zillow or Redfin, I'm interested in how accurate - or not - it was.