Property ID: 3034329518
204 S Broadway St, Columbus Grove, OH, 45830
Columbus Grove, OH
Money Down: $35,880
CoC Return: 1.28%
Monthly Cash Flow: $38
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$29,900
Closing Costs
$5,980
Total Down
$35,880
Investment Snapshot
Purchase Price
$149,500
Money Down
$35,880
Cash-on-Cash Return
1.28%
Rent
$1,071
Monthly Cash Flow
$38
Annual Cash Flow
$458
Debt Service / Mo
$796
Property Tax / Mo
$91
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,071
Payment Standard
$1,394
Rent
$1,071
Insurance
$39
Property Tax
$91
Management
$107
Utilities Allowance
$323
NOI (Monthly)
$834
Debt Service
$796
Cash Flow After Debt
$38
Quality Score: 61.50%
Confidence: 94.00%
Moderate risk for initial HCV/NSPIRE pass. Exterior shell and detached garage are in generally serviceable condition and yard/fence look tenant-ready, but there are several likely inspection issues: cracked/uneven front steps and missing handrail (trip hazard/unsafe stairs), unknown presence/function of smoke and CO detectors, unknown heating system and other interior mechanicals, and cracked porch slab/driveway repairs. With targeted fixes (add/repair handrail and steps, install/verify smoke & CO detectors, GFCI checks, verify heating and hot water, and address minor exterior concrete and threshold repairs), this property could be brought to pass within 30–60 days. If interior systems (heating, hot water, electrical) are operational and safety devices are present, time to pass shortens significantly.
Section 8 Payment Standard
$1,394
Utility Allowance Total
$323
Guaranteed Section 8 Rent (PS - Utilities)
$1,071
Property Management
$107
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$149,500
Beds
4
Baths
1.5
Living Area
1,442 sqft
Lot Size
353 sqft
Year Built
1971
Days on Market
98
Capital Outlay
$35,880
Debt Service
$796
Property Tax / Mo
$91
Insurance / Mo
$39
Property Description
Welcome to this 4-bedroom 1.5 bath home. Featuring a fenced in yard safe for children and pets. Cold days are here- enjoy parking in your two-car detached garage. The open kitchen flows into a dining room. Enjoy a cozy living room or grab a couple chairs and sit on your covered front porch. 3 bedrooms on second floor and 1 bedroom on main. Half bath is located on second floor. Laundry room on main. Located In Columbus Grove SD. Close to shops and parks and other amenities. Whether you're seeking an affordable home or investment opportunity with a little TLC this home has great opportunity! More to come on pictures! Schedule a showing today!
Utility Allowances
heating
$95
Based on the property's 'Natural Gas' heating and the 4 bedroom allowance in the schedule.
cooking
$17
Based on the property having an 'Electric Oven' and the 4 bedroom allowance for electric cooking in the schedule.
water_heating
$42
Based on the 4 bedroom allowance. Natural gas was inferred as the fuel type, consistent with the primary heating source.
other_electric
$50
A fixed allowance for general electricity usage based on a 4 bedroom unit.
water
$40
Based on the property having 'Public' water and the 4 bedroom allowance in the schedule.
sewer
$46
Based on the property having 'Public Sewer' and the 4 bedroom allowance in the schedule.
trash_collection
$25
Assumed to be a tenant responsibility as is standard for single-family homes, using the fixed allowance from the schedule.
refrigerator
$8
An allowance is provided as a refrigerator is not explicitly listed as a provided appliance. Based on the 4 bedroom schedule.
range
$0
No allowance is provided as an 'Electric Oven' is listed as a provided appliance. This allowance is for tenant-owned equipment.
air_conditioning
$0
The utility schedule does not provide an allowance for air conditioning for this unit type, despite the property having window units.
Source References
Payment Standard Source
Effective Date:
Dec 01, 2025
Utility Allowance Source
Effective Date:
Aug 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$456
DP3 Annual Estimate$490
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$41
Replacement Value$80,710
Basis1,442 sqft / 1971
Nearby Houses
Photo unavailable
Address unavailable
sold · 0.01 mi
Price: $52,500
3 bd / 1 ba · 1,419 sqft
Latest sale: $52,500 on Dec 31, 2014
Latest rent: —
Photo unavailable
205 Center St
sold · 0.03 mi
Price: $108,000
3 bd / 2 ba · 1,934 sqft
Latest sale: $108,000 on Apr 30, 2024
Latest rent: —
Photo unavailable
205 S Broadway St
sold · 0.04 mi
Price: $85,000
4 bd / 1 ba · 1,910 sqft
Latest sale: $85,000 on Jan 09, 2026
Latest rent: —
Photo unavailable
207 Center St
sold · 0.04 mi
Price: $80,000
3 bd / 1 ba · 1,191 sqft
Latest sale: $80,000 on Aug 26, 2024
Latest rent: —
Photo unavailable
108 S Broadway St
sold · 0.05 mi
Price: $84,000
3 bd / 1 ba · 1,670 sqft
Latest sale: $84,000 on Aug 13, 2020
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.05 mi
Price: $74,500
3 bd / 1 ba · 1,852 sqft
Latest sale: $74,500
Latest rent: —
Photo unavailable
211 Center St
sold · 0.06 mi
Price: $120,000
4 bd / 1 ba · 1,652 sqft
Latest sale: $120,000 on Jun 22, 2021
Latest rent: —
Photo unavailable
114 S High St
sold · 0.07 mi
Price: $73,000
— bd / — ba · 2,354 sqft
Latest sale: $73,000 on Apr 10, 2020
Latest rent: —
Photo unavailable
207 Eakin St
sold · 0.07 mi
Price: $165,900
3 bd / 2 ba · 2,528 sqft
Latest sale: $165,900 on Mar 24, 2020
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Unsafe front porch steps / cracked approach and missing handrail (unsafe stairs; trip/fall hazard)
- Significant front porch slab/step deterioration creating a trip hazard
Assumptions
- Interior photos and system details (furnace, water heater, electrical panel, smoke/CO detectors, appliance inventory) were not provided; assume typical mid-20th century systems may be present but unverified.
- Window AC units indicate cooling exists but central AC may be absent; assume a heating source exists (gas or electric) but was not visible in exterior photos.
- No visible interior peeling paint, mold, or active leaks were observed from exterior; assume no severe interior moisture damage unless disclosed otherwise.
- Detached garage appears functional and has electrical service (lighting visible); assume garage door openers and safety sensors are operable but unconfirmed.
- New privacy fence is recently installed and in good condition; assume gate hardware is functional though not closely photographed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,056 | $91,220 | $31,930 |
| 2023 | $1,109 | $90,620 | $31,720 |
| 2022 | $911 | $64,540 | $22,590 |
| 2021 | $870 | $63,460 | $22,210 |
| 2020 | $869 | $63,460 | $22,210 |
| 2019 | $855 | $63,460 | $22,210 |
| 2018 | $1,038 | $63,460 | $22,210 |
| 2017 | $861 | $63,460 | $22,210 |
| 2016 | $751 | $57,020 | $19,960 |
| 2015 | $752 | $57,020 | $19,960 |
| 2014 | $743 | $57,020 | $19,960 |
| 2013 | $1,077 | $57,020 | $19,960 |
| 2012 | $1,039 | $57,020 | $19,960 |
| 2011 | $1,066 | $57,020 | $19,960 |
| 2010 | $742 | $39,720 | $13,900 |
| 2009 | $756 | $39,720 | $13,900 |
| 2008 | $681 | $39,720 | $13,900 |
| 2006 | $640 | $37,520 | $13,130 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-01 | Listed | $149,500 |
| 2026-01-01 | Listing removed | $0 |
| 2025-12-10 | Price Changed | $149,500 |
| 2025-10-23 | Listed | $155,000 |
| 2023-12-29 | Listing removed | $0 |
| 2023-06-13 | Listed | $82,500 |
| 2019-07-12 | Listing removed | $0 |
| 2019-04-26 | Relisted | $70,000 |
| 2019-04-12 | Listing removed | $0 |
| 2018-10-12 | Price Changed | $70,000 |
| 2018-10-11 | Listed | $74,900 |
| 2016-07-22 | Sold | $12,500 |
| 2016-04-01 | Price Changed | $36,900 |
| 2015-09-30 | Price Changed | $49,900 |
| 2015-06-11 | Listed | $62,000 |
Photo Gallery
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"event_name": "Listing removed",
"price_sqft": null,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": "183 days",
"source_listing_id": "110560",
"price_change_percentage": null
},
{
"date": "2018-10-12",
"price": 70000,
"listing": {
"status": "off_market",
"list_date": "2018-10-12T12:47:23Z",
"list_price": 70000,
"listing_id": "614329725",
"last_update_date": "2019-06-10T06:30:27Z",
"last_status_change_date": "2019-07-12T06:52:51Z"
},
"event_name": "Price Changed",
"price_sqft": 48.54368932038835,
"source_name": "WestCentralOH",
"price_change": -4900,
"days_after_listed": null,
"source_listing_id": "110560",
"price_change_percentage": null
},
{
"date": "2018-10-11",
"price": 74900,
"listing": {
"status": "off_market",
"list_date": "2018-10-12T12:47:23Z",
"list_price": 70000,
"listing_id": "614329725",
"last_update_date": "2019-06-10T06:30:27Z",
"last_status_change_date": "2019-07-12T06:52:51Z"
},
"event_name": "Listed",
"price_sqft": 51.94174757281554,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "110560",
"price_change_percentage": "+499.20%"
},
{
"date": "2016-07-22",
"price": 12500,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 36900,
"listing_id": "579172533",
"last_update_date": "2024-08-29T08:04:18Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Sold",
"price_sqft": 8.668515950069349,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": "407 days",
"source_listing_id": "97931",
"price_change_percentage": "-79.84%"
},
{
"date": "2016-04-01",
"price": 36900,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 36900,
"listing_id": "579172533",
"last_update_date": "2024-08-29T08:04:18Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Price Changed",
"price_sqft": 25.589459084604716,
"source_name": "WestCentralOH",
"price_change": -13000,
"days_after_listed": null,
"source_listing_id": "97931",
"price_change_percentage": null
},
{
"date": "2015-09-30",
"price": 49900,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 36900,
"listing_id": "579172533",
"last_update_date": "2024-08-29T08:04:18Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Price Changed",
"price_sqft": 34.60471567267684,
"source_name": "WestCentralOH",
"price_change": -12100,
"days_after_listed": null,
"source_listing_id": "97931",
"price_change_percentage": null
},
{
"date": "2015-06-11",
"price": 62000,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 36900,
"listing_id": "579172533",
"last_update_date": "2024-08-29T08:04:18Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Listed",
"price_sqft": 42.995839112343965,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "97931",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3034329518",
"generated_at": "2026-02-24T23:08:21.723209Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.5
},
"utility_allowance": {
"zip_code": "45830",
"home_photo": "https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m383791023s-w1280.jpg",
"rent_price": 1071.0,
"loan_amount": 119600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/204-S-Broadway-St_Columbus-Grove_OH_45830_M30343-29518",
"bedroom_count": 4,
"interest_rate": 0.07,
"purchase_price": 149500.0,
"loan_term_years": 30,
"annual_cash_flow": 10006.12,
"mortgage_monthly": 795.7,
"payment_standard": 1394.0,
"total_amount_out": 29900.0,
"additional_photos": [
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m242026008s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m107304457s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m1291867272s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m2843440486s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m2456317856s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m1866499627s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m1331884709s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m3529123252s-w1280.jpg",
"https://ap.rdcpix.com/8b25d281685677e33dbc3ca4f948e5fal-m1133817651s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 39.42,
"monthly_cash_flow": 833.84,
"property_tax_rate": 0.009899999999999999,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Based on the property's 'Natural Gas' heating and the 4 bedroom allowance in the schedule.",
"utility": "heating",
"allowance": 95
},
{
"note": "Based on the property having an 'Electric Oven' and the 4 bedroom allowance for electric cooking in the schedule.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Based on the 4 bedroom allowance. Natural gas was inferred as the fuel type, consistent with the primary heating source.",
"utility": "water_heating",
"allowance": 42
},
{
"note": "A fixed allowance for general electricity usage based on a 4 bedroom unit.",
"utility": "other_electric",
"allowance": 50
},
{
"note": "Based on the property having 'Public' water and the 4 bedroom allowance in the schedule.",
"utility": "water",
"allowance": 40
},
{
"note": "Based on the property having 'Public Sewer' and the 4 bedroom allowance in the schedule.",
"utility": "sewer",
"allowance": 46
},
{
"note": "Assumed to be a tenant responsibility as is standard for single-family homes, using the fixed allowance from the schedule.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "An allowance is provided as a refrigerator is not explicitly listed as a provided appliance. Based on the 4 bedroom schedule.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "No allowance is provided as an 'Electric Oven' is listed as a provided appliance. This allowance is for tenant-owned equipment.",
"utility": "range",
"allowance": 0
},
{
"note": "The utility schedule does not provide an allowance for air conditioning for this unit type, despite the property having window units.",
"utility": "air_conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 29900.0,
"property_tax_annual": 1087.68,
"property_tax_monthly": 90.64,
"property_tax_increase": 0.03,
"utility_allowance_total": 323.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://hancockmetro.com",
"https://hancockmetro.com/wp-content/uploads/2025/10/2026-Payment-Standards.pdf"
],
"effective_date": "2025-12-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 457.7,
"property_management_monthly": 107.1,
"monthly_cash_flow_after_debt": 38.14,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate risk for initial HCV/NSPIRE pass. Exterior shell and detached garage are in generally serviceable condition and yard/fence look tenant-ready, but there are several likely inspection issues: cracked/uneven front steps and missing handrail (trip hazard/unsafe stairs), unknown presence/function of smoke and CO detectors, unknown heating system and other interior mechanicals, and cracked porch slab/driveway repairs. With targeted fixes (add/repair handrail and steps, install/verify smoke & CO detectors, GFCI checks, verify heating and hot water, and address minor exterior concrete and threshold repairs), this property could be brought to pass within 30–60 days. If interior systems (heating, hot water, electrical) are operational and safety devices are present, time to pass shortens significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Exterior photos show generally intact vinyl siding and a sound detached two-car garage, plus a new-looking privacy fence. Observable deferred items: front porch and approach concrete are cracked and uneven, porch edge/step deterioration, decorative metal porch rail shows corrosion/age, backyard concrete slab has cracks, and driveway area is degraded. Interior condition, finishes, and appliances not shown; listing notes 'TLC'. Missing interior appliance evidence reduces score moderately but not heavily since exterior is structurally intact."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "Visible safety concerns include broken/uneven front steps and no handrail on the primary approach (trip/fall risk). Firepit on ground near patio could be an occupant hazard. No smoke/CO detectors, GFCI outlets, egress window conditions, or interior electrical panel are visible in photos (unknown). Overhead utility lines and a pole are near the property but appear typical. No active standing water, collapsed structure, or visible major roof sagging were observed. Missing/unknown life-safety items (smoke/CO detectors, GFCI, egress compliance) create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Major systems not visible in photos. Roof is metal and appears intact though weathered in areas (no visible large failures). No exterior central HVAC condenser visible; window A/Cs are present indicating cooling exists but central HVAC condition and heating system presence are unconfirmed. Gas meter is visible (suggesting gas service). Water heater, furnace, electrical panel and hot water function are not shown. Because critical mechanical systems are unverified, assign a moderate risk score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Lot and site are in generally good condition: recently installed wooden privacy fence, maintained yard, two-car detached garage in good visual condition, and covered rear patio. Walkways and driveway show wear and gravel patches. No obvious foundation movement or major exterior wall damage visible. Overall low-to-moderate exterior repair needs."
}
],
"red_flags": [
"Unsafe front porch steps / cracked approach and missing handrail (unsafe stairs; trip/fall hazard)",
"Significant front porch slab/step deterioration creating a trip hazard"
],
"confidence": 0.6,
"assumptions": [
"Interior photos and system details (furnace, water heater, electrical panel, smoke/CO detectors, appliance inventory) were not provided; assume typical mid-20th century systems may be present but unverified.",
"Window AC units indicate cooling exists but central AC may be absent; assume a heating source exists (gas or electric) but was not visible in exterior photos.",
"No visible interior peeling paint, mold, or active leaks were observed from exterior; assume no severe interior moisture damage unless disclosed otherwise.",
"Detached garage appears functional and has electrical service (lighting visible); assume garage door openers and safety sensors are operable but unconfirmed.",
"New privacy fence is recently installed and in good condition; assume gate hardware is functional though not closely photographed."
],
"overall_score": 60.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall the property presents as a mostly sound single-family with good exterior amenities (new fence, detached two-car garage) but a few moderate, addressable deficiencies that would likely prevent an immediate pass on a Housing Choice Voucher initial inspection. The primary inspection risks visible from photos are unsafe front steps/porch concrete deterioration (trip/fall hazard), no interior evidence of required detectors (smoke/CO), and limited visibility of major mechanical systems (heating, water heater, electrical panel). Correcting the porch/steps (repair or replace steps, add handrail), installing/confirming smoke and CO detectors, and verifying mechanical systems and GFCI outlets should bring the property to pass-ready condition within a short timeframe (1–4 weeks depending on access to interiors).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 62.0,
"rationale": "Exterior photos show overall sound siding and a recently installed privacy fence and intact detached 2-car garage, but there is visible deferred maintenance: front porch concrete and front steps are broken/chipped and uneven (trip hazard), porch skirt/edge deterioration, cracked concrete patio slab in the rear, and visible surface rust/discoloration on the front porch roof. Listing notes 'little TLC' which suggests some interior cosmetic repairs likely. Missing interior photos prevent a full assessment of flooring, cabinets, and bathrooms; absence of visible kitchen photos means appliance condition is unknown. These issues are reparable but require moderate effort and cost."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 55.0,
"rationale": "Visible safety concerns: broken/uneven front steps and lack of a handrail create an immediate trip/fall hazard and would likely fail inspection until corrected. Front porch edge deterioration could create falling hazards. No interior photos showing smoke detectors or carbon monoxide alarms, which are required; absence cannot be confirmed but should be assumed absent until proven. Windows on upper floors appear to provide egress but interior confirmation needed. Overhead service lines and meter are standard; no obvious exposed wiring or major electrical hazards visible from exterior. No visible active leaks or standing water. Overall moderate risk — immediate fixes (handrail, step repair, smoke/CO detectors) are needed for passability."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 60.0,
"rationale": "Major systems are not shown (furnace, water heater, electrical panel). Presence of a window AC in an upper window indicates cooling at least by window unit; no exterior central AC unit was observed. Electrical meter is present and garage has lighting, suggesting electrical service is active. Roof is a standing-seam/metal type and appears intact overall but shows localized discoloration and wear at the front porch roof area which could indicate previous patching or paint failure. Garage doors and concrete floor appear serviceable. Because mechanical systems (heating, hot water, main electrical panel) are unseen, score is moderate — likely functional but unverified and would require on-site verification or minor repairs to meet NSPIRE (operational heating and hot water)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior envelope (vinyl siding) and lot appear in generally good condition. Newly installed wooden privacy fence and two-car detached garage are strong positives for child/pet safety and tenant amenity. Yard is level and walkways are present, though the small front walkway and driveway show some cracking and patchy surface. The detached garage driveway has some vegetation thru surface but provides clear parking. No visible evidence of infestation, major foundation cracking, or standing water around the perimeter in the photos. Overall the site is well kept with mostly minor exterior maintenance needed."
}
],
"red_flags": [
"Broken/uneven front steps and missing/insufficient handrail (unsafe stairs / trip-fall hazard).",
"Deteriorated front porch concrete and skirt (loose edges and falling hazard).",
"Localized roof/porch roof wear and discoloration at front porch (possible prior patching/roof flashing issue).",
"No interior evidence of required smoke detectors / CO alarms (must be verified and installed prior to occupancy)."
],
"confidence": 0.55,
"assumptions": [
"Interior condition (kitchen, bathrooms, flooring, ceilings, smoke/CO detectors) is not shown; assume typical MLS photos omission rather than severe interior distress.",
"Heating system and water heater exist inside the house but are not visible in exterior photos; assumed functional unless inspection reveals otherwise.",
"Electrical service is active (meter visible) and main panel is present but closed/internal condition unknown.",
"No central exterior AC unit was observed; cooling may rely on window unit(s). Absence of central AC is not a Section 8 fail by itself.",
"New wooden fence was recently installed and is structurally sound based on appearance.",
"Garage structure and doors are operational based on photos showing vehicles inside and lighting, but automatic opener function and safety sensors are unverified.",
"No significant hidden water intrusion or severe mold is evident from exteriors; however discoloration on the porch roof suggests possible minor leak history that needs interior verification."
],
"overall_score": 62.0,
"rubric_version": "nsPIRE-2025-v1"
},
{
"summary": "Based on exterior photos and listing text, the property is moderately close to Section 8 / NSPIRE readiness but will likely require a handful of targeted repairs and verifications before passing an initial inspection. Primary remediation items: repair/replace the deteriorated front stoop and install a compliant handrail; confirm and install required smoke and carbon monoxide detectors; verify heating, hot water, and electrical panel condition (and add GFCI protection where required). The yard, new fence, detached garage and main roof appear serviceable. Expect minor-to-moderate work (cosmetic and life-safety checks) and a likely pass after 1–4 weeks of targeted repairs and system verifications, assuming interior systems are functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Exterior photos show generally intact vinyl siding, a recently installed wood privacy fence, and a functional detached two-car garage. Visible deferred maintenance includes crumbling concrete at the front stoop and uneven front steps/slab, staining/age on the lower porch roof, and some minor concrete cracking on the rear patio slab. No interior photos provided so cosmetic/fixture/appliance condition inside is unknown; missing interior appliances would be a moderate penalty but are not visible. Overall the property appears to need minor-to-moderate TLC (porch/steps repair, concrete leveling, minor roof/trim cleanup) but not major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Observed safety issues: front steps/stoop is crumbling and creates a trip hazard; there is no handrail on the front steps (potential code citation if riser count/height requires one). Photos do not show interior smoke or CO detectors, GFCI receptacles, or the electrical panel; absence of visible smoke/CO detectors in provided images is a likely inspection item. No active standing water, obvious exposed wiring, major foundation cracks, or collapsed ceilings visible from exterior. Because key life-safety items (smoke/CO detectors, handrail repair, GFCI) are not documented and the front stoop is deteriorated, safety/code risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical (roof, HVAC, plumbing, electrical)",
"score": 60.0,
"rationale": "Roofing appears to be metal and largely intact on the main house, though the lower porch roof shows wear/discoloration and may need local patching or replacement. Window AC units present (suggests cooling is via window units; central HVAC not visible). No furnace/heat source, water heater, or electrical panel photos provided — systems condition must be verified but nothing in photos indicates catastrophic failure. Garage shows functioning electric lighting. Given unknowns for heating, hot water, plumbing and lack of interior system photos, score reflects moderate uncertainty and likely small to moderate repairs or verifications required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Large, fenced yard and newer-looking wood privacy fence are positive for tenant safety and privacy. Detached two-car garage and covered rear patio are valuable amenities and appear serviceable. Sidewalk and driveway show wear but are functional; driveway is gravel with some vegetation. Siding is in generally good condition and lot drainage appears normal (no visible pooling). Overall exterior/site condition is good with routine maintenance needed (driveway leveling, front stoop repair)."
}
],
"red_flags": [
"crumbling_front_porch_and_uneven_steps (trip hazard / structural deterioration)",
"missing_or_noncompliant_front_stair_handrail (safety code issue)",
"no_evidence_of_smoke_and_CO_detectors_in_photos (likely NSPIRE requirement)",
"porch_lower_roof_showing_wear/staining (localized roof repair likely needed)",
"no_visible_heating_system_in_photos (must verify operational heating and hot water prior to tenancy)"
],
"confidence": 0.6,
"assumptions": [
"No interior photos were provided; interior cosmetic and system conditions (appliances, flooring, drywall, plumbing fixtures) are assumed to be fair-to-moderate based on exterior condition but must be verified by an interior inspection.",
"Heating system and water heater are present and operable but not shown; absence of visible central AC is noted (window AC units present). If heating or hot water systems are nonfunctional, score would be significantly lower.",
"No smoke or carbon monoxide detectors are visible in photos; assume they are not documented and should be confirmed/installed per NSPIRE.",
"Electrical panel, circuit labeling, and GFCI outlets are not shown in photos; assume they require verification and possible minor work to comply.",
"Roof of main house appears intact; porch/lower roof shows age/staining and may need local repair but not a full replacement based on available photos.",
"Garage doors and interior garage structure appear functional; assume door openers and safety sensors operate but should be tested before tenancy."
],
"overall_score": 63.0,
"rubric_version": "ns_pire_v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "204 S Broadway St, Columbus Grove, OH, 45830",
"aggregate": {
"summary": "Moderate risk for initial HCV/NSPIRE pass. Exterior shell and detached garage are in generally serviceable condition and yard/fence look tenant-ready, but there are several likely inspection issues: cracked/uneven front steps and missing handrail (trip hazard/unsafe stairs), unknown presence/function of smoke and CO detectors, unknown heating system and other interior mechanicals, and cracked porch slab/driveway repairs. With targeted fixes (add/repair handrail and steps, install/verify smoke & CO detectors, GFCI checks, verify heating and hot water, and address minor exterior concrete and threshold repairs), this property could be brought to pass within 30–60 days. If interior systems (heating, hot water, electrical) are operational and safety devices are present, time to pass shortens significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 64.0,
"rationale": "Exterior photos show generally intact vinyl siding and a sound detached two-car garage, plus a new-looking privacy fence. Observable deferred items: front porch and approach concrete are cracked and uneven, porch edge/step deterioration, decorative metal porch rail shows corrosion/age, backyard concrete slab has cracks, and driveway area is degraded. Interior condition, finishes, and appliances not shown; listing notes 'TLC'. Missing interior appliance evidence reduces score moderately but not heavily since exterior is structurally intact."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 73.3,
"rationale": "Lot and site are in generally good condition: recently installed wooden privacy fence, maintained yard, two-car detached garage in good visual condition, and covered rear patio. Walkways and driveway show wear and gravel patches. No obvious foundation movement or major exterior wall damage visible. Overall low-to-moderate exterior repair needs."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "Visible safety concerns include broken/uneven front steps and no handrail on the primary approach (trip/fall risk). Firepit on ground near patio could be an occupant hazard. No smoke/CO detectors, GFCI outlets, egress window conditions, or interior electrical panel are visible in photos (unknown). Overhead utility lines and a pole are near the property but appear typical. No active standing water, collapsed structure, or visible major roof sagging were observed. Missing/unknown life-safety items (smoke/CO detectors, GFCI, egress compliance) create moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 56.7,
"rationale": "Major systems not visible in photos. Roof is metal and appears intact though weathered in areas (no visible large failures). No exterior central HVAC condenser visible; window A/Cs are present indicating cooling exists but central HVAC condition and heating system presence are unconfirmed. Gas meter is visible (suggesting gas service). Water heater, furnace, electrical panel and hot water function are not shown. Because critical mechanical systems are unverified, assign a moderate risk score."
}
],
"red_flags": [
"Unsafe front porch steps / cracked approach and missing handrail (unsafe stairs; trip/fall hazard)",
"Significant front porch slab/step deterioration creating a trip hazard"
],
"confidence": 0.94,
"assumptions": [
"Interior photos and system details (furnace, water heater, electrical panel, smoke/CO detectors, appliance inventory) were not provided; assume typical mid-20th century systems may be present but unverified.",
"Window AC units indicate cooling exists but central AC may be absent; assume a heating source exists (gas or electric) but was not visible in exterior photos.",
"No visible interior peeling paint, mold, or active leaks were observed from exterior; assume no severe interior moisture damage unless disclosed otherwise.",
"Detached garage appears functional and has electrical service (lighting visible); assume garage door openers and safety sensors are operable but unconfirmed.",
"New privacy fence is recently installed and in good condition; assume gate hardware is functional though not closely photographed."
],
"score_method": "mean_of_criteria",
"overall_score": 61.5,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3034329518"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.