Thanks.....the appraisal came back and it high like I expected it to be. I am currently leaning towards selling it and buying something smaller in our same town. In the grand scheme of things asking my W to take less equity en lieu of 401k is not going to impact the monthly payment that much.
The more I thought about it I do agree with a fresh start and a house that my STBXW can't lay claim over. I can also see how another lady that I meet is probably not going to want to live in a house that I had with my STBXW.
Mortgage guy is currently running the numbers and I will know for sure.