It looks like USAA isn't getting their money's worth with the home value monitoring service they're using. The market value of my home has changed overnight by as much as 20% for no apparent reason. The map indicates there have been no similar homes sold in my area. In fact it has never listed a property sold in my area although there have been over a dozen in the last couple of years and that information is readily available. Given the unreliability of the service USAA is using, the company might explore finding a service that does better research.
Zillow and Trulia's algorithms are wonky and fluctuate so much they cannot be trusted for much accuracy. We take a look at our home's estimate and just smile a little at the occasional senselessness or illogical figures. I think we all can only hope lenders and agents don't take these numbers seriously. I wish I knew if that is the case.
Welcome to today's USAA. I had this same issue. Called USAA to find out the problem. Representative 'sprained it to me: home value affected by number of houses for sale/sold within 2 miles of my home. No homes listed within 2 miles. Informed them from the window where I was looking out, I saw 3 "for sale" signs. So much for this USAA service. Too bad that isn't an outlier. USAA pays contractors to provide services. But the service is cr***y Wasting our money.