Adam purchased a house for $$222,000\mathrm{.}00.$ He placed a down payment of $$22,000$ and agreed to a $10-$year bank loan with monthly payments at an interest rate of $5\mathrm{.}25\%$ convertible monthly to finance the remaining purchase price.

What is Adam$$s annual effective yield rate at the end of the $10-$year period if the price of the house increased $7\mathrm{.}00\%$ annually?