The intersection of sustainability demands and digital advancements has led to the rapid emergence of smart-green housing as a paradigm-shifting approach to urban planning and development, contributing directly to UN Sustainable Development Goals for sustainable cities (SDG 11) and clean energy (SDG 7). Nevertheless, the current literature remains limited in its ability to explain the relationship between technological efficiency and its financial implications. This paper aims to conduct a comprehensive literature review of global trends in smart-green housing investment using the PRISMA 2020 guidelines, identifying key technological, management, and institutional variables that affect asset performance. The framework maps how Technological Inputs pass through a lifecycle operational channel, moderated by Institutional Frameworks, to determine Risk-Adjusted Value while accounting for value leaks via the 'Performance-Branding Gap'. The review demonstrates a significant gap between environmental certifications and risk-adjusted financial metrics, also known as the performance-branding divide. To bridge this gap, this study will propose the Smart-Green Asset Valuation (SGAV) model and introduce a new equation for valuing smart-green housing based on technology maturity, adjusted by institutional governance and management effectiveness throughout its life cycle. The article presents a theoretical understanding of the financial viability of smart-green buildings using the introduced discounted valuation model, providing a data-driven, dynamic approach that facilitates asset value adjustment for property owners, shifting from mere green marketing to true financial asset valuation.