What is a realistic value to expect?

The offer to purchase will be considerably less than what you paid, and definitely less than the "appraised value," if you bought from a retail jeweler. A diamond sold by a retail jeweler for $5,000.00 does not have the value of $5,000.00 on the wholesale market or even $2500.00.
Why not?
The answer is profit. Every diamond that is sold across a retail counter passes through many hands, miners, cutters, distributors, brokers, wholesalers, and then finally the retailer, and all those hands need to make a profit. During these levels of distribution, the prices practically double with continuous mark ups. It is not uncommon for the local jeweler to sell a diamond for double what he paid a diamond distributor for it. The retailer has to cover his expenses of rent, employees, advertising, etc.
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