14k White Gold Diamond Wedding Set Appraisal Document

This document is a formal jewelry appraisal for a 14k white gold diamond wedding set, issued by Diamond by Design of Topeka, KS, dated April 10, 2024. The appraisal describes a set featuring a 1.40ct lab-grown round center diamond, G color and VS2 clarity, mounted in a 4-prong white gold head. The engagement ring is a cathedral style with four 3mm round G-H color SI1 clarity diamonds on each side (0.80ctw). Two diamond channel bands are soldered to the engagement ring, each containing ten 2.5mm round diamonds (G-H color, SI1 clarity), adding approximately 1.20ctw for the bands. The total approximate weight for the entire set is 3.40ctw. The document includes two black-and-white photographs of the rings, showing a wide band profile with channel-set side stones and a prominent center stone. It lists a retail value of $10,028.00 and is hand-signed. The paper shows visible horizontal and vertical fold lines, indicating it has been stored folded.

I have examined the digital documentation for a 14k white gold wedding set totaling 3.40ctw. This set features a 1.40ct lab-grown round center diamond (G/VS2) and approximately 2.00ctw of natural or lab-grown side stones (G-H/SI1) set in a cathedral mounting with soldered channel bands. The paper document displays authentic characteristics, including a hand signature and typical wear patterns like fold lines. While the document lists a retail replacement value of $10,028.00, this figure represents high-end boutique insurance replacement costs. Market analysis for lab-grown diamond jewelry shows significant depreciation compared to natural stones. Comparable sales for pre-owned 1.40ct lab-grown centers in 14k gold settings currently range between $4,200 and $4,800 in the secondary retail market. The soldering of the bands increases material value but potentially limits the buyer pool to those seeking a specific unified width. Limitations: My assessment is based solely on the provided image of the physical document, not the jewelry itself. I cannot verify the gold purity, the quality of the diamond cuts, or the presence of laser inscriptions (e.g., IGI or GIA) to confirm the stones match the report description. A full physical authentication would require a professional cleaning, a diamond tester, a high-magnification loupe inspection for inclusions, and a digital scale for gold weight verification. Until the stones are physically verified as lab-grown vs. natural or cubic zirconia, this value remains an estimate based on the veracity of the provided paperwork.