![Tim Hardaway [Gold Refractor] #232 (Basketball Cards 1999 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/GlIAAeSwiwRqAjIK/s-l1600.jpg)
Is Tim Hardaway [Gold Refractor] #232 worth grading?
Basketball · Basketball Cards 1999 Finest · full price guide →
Strong grading candidate — 5.1× premium in PSA 10
A PSA 10 Tim Hardaway [Gold Refractor] #232 sells for $229 against $45.00 raw: a $184 spread, 5.1× the ungraded price. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $45.00
- PSA 10
- $229
- Gem premium
- 5.1×
- As of
- Sep 3, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $229 | +$159 | +$134 | +$33.50 |
| PSA 8 | $65.48 | −$4.52 | −$29.52 | −$130 |
Net = sale price − $45.00 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $297 | best | 55/45 | 70/30 |
| PSA 10 | $229 | −$68.50 | 55/45 | 75/25 |
| CGC 10 | $137 | −$160 | 55/45 | 75/25 |
| SGC 10 | $137 | −$160 | 55/45 | 75/25 |
Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.
Full grade ladder
Raw conditions & history →Swipe the table for the other grading companies →
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1999 Finest cards worth checking
Full set checklist →![Shareef Abdur-Rahim [Refractor] #1 1999 Finest card](https://i.ebayimg.com/images/g/go0AAeSw9OJo4tLg/s-l500.jpg)
![Tim Duncan [Gold Refractor] #246 1999 Finest card](https://i.ebayimg.com/images/g/xQoAAeSwSN9qoWyH/s-l500.jpg)
![Kobe Bryant [Refractor] #128 1999 Finest card](https://i.ebayimg.com/images/g/UFIAAeSws9FoljPl/s-l500.jpg)
Grading Tim Hardaway [Gold Refractor] #232 — FAQ
Is Tim Hardaway [Gold Refractor] #232 worth grading?
A PSA 10 Tim Hardaway [Gold Refractor] #232 sells for $229 against $45.00 raw: a $184 spread, 5.1× the ungraded price. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Tim Hardaway [Gold Refractor] #232 worth compared with raw?
A PSA 10 Tim Hardaway [Gold Refractor] #232 (Basketball Cards 1999 Finest) sells for about $229 versus $45.00 for a raw near-mint copy — a 5.1× premium as of Sep 3, 2026.
Which grading company is best for Tim Hardaway [Gold Refractor] #232?
By resale value, BGS 10 leads at $297, ahead of PSA 10 at $229. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tim Hardaway [Gold Refractor] #232 need for a BGS 10?
BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.
Best on iPhone & Android
Check your basketball card in the Midpoint app
Scan with your camera to measure centering to the millimeter, get an AI grade with corner and edge close-ups, see what your copy is worth, and track it in your portfolio. Free to start.
