Property ID: 3036877391
5635 Port St, Columbus Grove, OH, 45830
Columbus Grove, OH
Money Down: $32,376
CoC Return: -1.77%
Monthly Cash Flow: $-48
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,980
Closing Costs
$5,396
Total Down
$32,376
Investment Snapshot
Purchase Price
$134,900
Money Down
$32,376
Cash-on-Cash Return
-1.77%
Rent
$898
Monthly Cash Flow
$-48
Annual Cash Flow
$-571
Debt Service / Mo
$718
Property Tax / Mo
$93
Insurance / Mo
$45
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$898
Payment Standard
$1,053
Rent
$898
Insurance
$45
Property Tax
$93
Management
$90
Utilities Allowance
$155
NOI (Monthly)
$670
Debt Service
$718
Cash Flow After Debt
$-48
Quality Score: 64.40%
Confidence: 92.00%
Based on exterior photos and listing data, the property appears structurally serviceable and likely rentable after minor-to-moderate repairs. Expect to need handrail/guardrail repairs on the entry/porch, clearance of vegetation near the foundation, and verification/installation of smoke and carbon monoxide detectors and GFCIs. Major unknowns are interior condition and operational status of heating, hot water, plumbing and electrical systems — these must be confirmed prior to an HCV/NSPIRE inspection. With routine fixes and system verifications, the property is likely passable within 2–4 weeks; if heating or hot water systems are missing or fail, that would extend repairs and could cause inspection failure.
Section 8 Payment Standard
$1,053
Utility Allowance Total
$155
Guaranteed Section 8 Rent (PS - Utilities)
$898
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$134,900
Beds
2
Baths
2
Living Area
1,747 sqft
Lot Size
25,265 sqft
Year Built
1931
Days on Market
117
Capital Outlay
$32,376
Debt Service
$718
Property Tax / Mo
$93
Insurance / Mo
$45
Property Description
This charming property at 5635 Port St. Columbus Grove, OH offers a spacious 2-bedroom, 2-bath home with 1,747 square feet of living space on a .579-acre lot. Located in the Rockport area and served by Bluffton schools, it features an outbuilding, making it ideal for storage or hobbies. It's perfect for anyone looking for a comfortable home in a friendly community.
Utility Allowances
Heating (Natural Gas)
$61
Selected 'Natural Gas' for heating as specified in the property details ('Heating Features: Forced Air, Natural Gas'). The allowance is based on the 2 bedroom schedule.
Air Conditioning
$0
The property includes Central Air, but the utility schedule does not provide an allowance for this utility (value is null). Therefore, the allowance is $0.
Cooking (Natural Gas)
$10
Property uses Natural Gas for heating and the appliance list includes a 'Range'. Inferred Natural Gas for cooking as the most consistent fuel source. The allowance is based on the 2 bedroom schedule.
Water Heating (Natural Gas)
$27
Fuel type for water heating was not specified. Inferred 'Natural Gas' as it matches the primary heating fuel. The allowance is based on the 2 bedroom schedule.
Water
$0
The property has a private well for water ('Water Source: Well') and is not connected to public water. Therefore, the allowance is $0.
Sewer
$0
The property uses a septic tank ('Sewer: Septic Tank') and is not connected to public sewer. Therefore, the allowance is $0.
Trash Collection
$25
Applied the fixed allowance for trash collection for a single-family home based on the 2 bedroom schedule.
Other Electric
$32
A fixed allowance for general electricity use (lights, outlets, etc.) based on the 2 bedroom schedule.
Refrigerator (electricity)
$0
The utility schedule provides an allowance for a tenant-owned refrigerator. Since the property includes a refrigerator, this tenant allowance is $0.
Range (electricity)
$0
The utility schedule provides an allowance for a tenant-owned electric range. The property provides a range and uses natural gas for cooking, so this tenant allowance is $0.
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$481
DP3 Annual Estimate$594
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$50
Replacement Value$88,000
Basis1,747 sqft / 1931
Nearby Houses
Photo unavailable
Address unavailable
sold · 0.01 mi
Price: $23,000
4 bd / 1 ba · 1,107 sqft
Latest sale: $23,000
Latest rent: —
Photo unavailable
9120 N Bucher Rd
sold · 0.11 mi
Price: $90,000
4 bd / 2 ba · 2,190 sqft
Latest sale: $90,000 on Jun 09, 2025
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.25 mi
Price: $110,000
3 bd / 2 ba · 1,242 sqft
Latest sale: $110,000
Latest rent: —
Photo unavailable
9530 N Bucher Rd
sold · 0.30 mi
Price: $200,000
5 bd / 2 ba · 2,508 sqft
Latest sale: $200,000 on Aug 12, 2021
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.33 mi
Price: $124,000
3 bd / 1 ba · 1,725 sqft
Latest sale: $124,000
Latest rent: —
Photo unavailable
5471 Campbell Rd
sold · 0.41 mi
Price: $292,000
3 bd / 2 ba · 2,052 sqft
Latest sale: $292,000 on Sep 07, 2023
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Unsafe stairs / missing handrail at front entry (unsafe stairs / broken handrails)
- Deteriorated/worn deck railing that may not meet guardrail requirements
- No visible exterior HVAC condenser or clearly identified heating system — heating presence and condition unverified (confirm immediately)
Assumptions
- Interior photos and system documentation were not provided; assume kitchen and bathrooms exist but appliances (stove, refrigerator) may not be present or operational and must be confirmed.
- No exterior HVAC condenser was visible in photos; assume heating system is inside (furnace) but its condition and presence are unconfirmed.
- Smoke and CO detectors are not visible; assume they are not verified and will need to be installed/checked to meet NSPIRE.
- Electrical panel condition, GFCI protection in kitchen/bath, and plumbing/hot water operation are unknown and assumed unverified until interior inspection.
- No obvious large roof or foundation failure observed; assume roof and foundation are functionally sound but should be inspected for leaks and small defects.
- Age of home (1931) raises potential for legacy lead-based paint in interior surfaces — assume a lead risk discussion and proper remediation if children under 6 are present.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,084 | $96,500 | $33,780 |
| 2023 | $972 | $79,100 | $27,690 |
| 2022 | $976 | $79,100 | $27,690 |
| 2021 | $1,008 | $79,100 | $27,690 |
| 2020 | $861 | $63,100 | $22,090 |
| 2018 | $890 | $63,100 | $22,090 |
| 2017 | $824 | $58,000 | $20,310 |
| 2016 | $838 | $58,000 | $20,310 |
| 2015 | $840 | $58,000 | $20,300 |
| 2014 | $779 | $53,300 | $18,655 |
| 2013 | $723 | $53,300 | $18,655 |
| 2012 | $687 | $53,300 | $18,655 |
| 2011 | $795 | $60,600 | $21,210 |
| 2010 | $763 | $60,600 | $21,210 |
| 2009 | $784 | $60,600 | $21,210 |
| 2008 | $660 | $51,500 | $18,025 |
| 2007 | $664 | $51,500 | $18,025 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1997-11-21 | Sold | $40,000 |
Photo Gallery
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"year": 2020,
"market": {
"land": 6700,
"total": 63100,
"building": 56400
},
"assessment": {
"land": 2350,
"total": 22090,
"building": 19740
}
},
{
"tax": 890,
"year": 2018,
"market": {
"land": 6700,
"total": 63100,
"building": 56400
},
"assessment": {
"land": 2350,
"total": 22090,
"building": 19740
}
},
{
"tax": 824,
"year": 2017,
"market": {
"land": 6700,
"total": 58000,
"building": 51300
},
"assessment": {
"land": 2350,
"total": 20310,
"building": 17960
}
},
{
"tax": 838,
"year": 2016,
"market": {
"land": 6700,
"total": 58000,
"building": 51300
},
"assessment": {
"land": 2350,
"total": 20310,
"building": 17960
}
},
{
"tax": 840,
"year": 2015,
"market": {
"land": 6700,
"total": 58000,
"building": 51300
},
"assessment": {
"land": 2345,
"total": 20300,
"building": 17955
}
},
{
"tax": 779,
"year": 2014,
"market": {
"land": 5900,
"total": 53300,
"building": 47400
},
"assessment": {
"land": 2065,
"total": 18655,
"building": 16590
}
},
{
"tax": 723,
"year": 2013,
"market": {
"land": 5900,
"total": 53300,
"building": 47400
},
"assessment": {
"land": 2065,
"total": 18655,
"building": 16590
}
},
{
"tax": 687,
"year": 2012,
"market": {
"land": 5900,
"total": 53300,
"building": 47400
},
"assessment": {
"land": 2065,
"total": 18655,
"building": 16590
}
},
{
"tax": 795,
"year": 2011,
"market": {
"land": 6700,
"total": 60600,
"building": 53900
},
"assessment": {
"land": 2345,
"total": 21210,
"building": 18865
}
},
{
"tax": 763,
"year": 2010,
"market": {
"land": 6700,
"total": 60600,
"building": 53900
},
"assessment": {
"land": 2345,
"total": 21210,
"building": 18865
}
},
{
"tax": 784,
"year": 2009,
"market": {
"land": 6700,
"total": 60600,
"building": 53900
},
"assessment": {
"land": 2345,
"total": 21210,
"building": 18865
}
},
{
"tax": 660,
"year": 2008,
"market": {
"land": 6200,
"total": 51500,
"building": 45300
},
"assessment": {
"land": 2170,
"total": 18025,
"building": 15855
}
},
{
"tax": 664,
"year": 2007,
"market": {
"land": 6200,
"total": 51500,
"building": 45300
},
"assessment": {
"land": 2170,
"total": 18025,
"building": 15855
}
}
],
"property_history": [
{
"date": "2025-12-12",
"price": 134900,
"listing": {
"status": "for_sale",
"list_date": "2025-12-12T22:30:54Z",
"list_price": 134900,
"listing_id": "2989415897",
"last_update_date": "2025-12-18T20:35:25Z",
"last_status_change_date": "2025-12-12T22:30:54Z"
},
"event_name": "Listed",
"price_sqft": 77.2180881511162,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "309036",
"price_change_percentage": "+237.25%"
},
{
"date": "1997-11-21",
"price": 40000,
"listing": null,
"event_name": "Sold",
"price_sqft": 22.89639381797367,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "3036877391",
"generated_at": "2026-02-24T23:07:43.033134Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.4
},
"utility_allowance": {
"zip_code": "45830",
"home_photo": "https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m1804261356s-w1280.jpg",
"rent_price": 898.0,
"loan_amount": 107920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/5635-Port-St_Columbus-Grove_OH_45830_M30368-77391",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 134900.0,
"loan_term_years": 30,
"annual_cash_flow": 8044.38,
"mortgage_monthly": 717.99,
"payment_standard": 1053.0,
"total_amount_out": 26980.0,
"additional_photos": [
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m576643231s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m130569272s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m2642411376s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m3305228223s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m3948068940s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m3797079016s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m192138441s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m4200544791s-w1280.jpg",
"https://ap.rdcpix.com/f7df70ce344bf87b263d8382664fe7c9l-m39527805s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 44.79,
"monthly_cash_flow": 670.37,
"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": "Selected 'Natural Gas' for heating as specified in the property details ('Heating Features: Forced Air, Natural Gas'). The allowance is based on the 2 bedroom schedule.",
"utility": "Heating (Natural Gas)",
"allowance": 61
},
{
"note": "The property includes Central Air, but the utility schedule does not provide an allowance for this utility (value is null). Therefore, the allowance is $0.",
"utility": "Air Conditioning",
"allowance": 0
},
{
"note": "Property uses Natural Gas for heating and the appliance list includes a 'Range'. Inferred Natural Gas for cooking as the most consistent fuel source. The allowance is based on the 2 bedroom schedule.",
"utility": "Cooking (Natural Gas)",
"allowance": 10
},
{
"note": "Fuel type for water heating was not specified. Inferred 'Natural Gas' as it matches the primary heating fuel. The allowance is based on the 2 bedroom schedule.",
"utility": "Water Heating (Natural Gas)",
"allowance": 27
},
{
"note": "The property has a private well for water ('Water Source: Well') and is not connected to public water. Therefore, the allowance is $0.",
"utility": "Water",
"allowance": 0
},
{
"note": "The property uses a septic tank ('Sewer: Septic Tank') and is not connected to public sewer. Therefore, the allowance is $0.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Applied the fixed allowance for trash collection for a single-family home based on the 2 bedroom schedule.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "A fixed allowance for general electricity use (lights, outlets, etc.) based on the 2 bedroom schedule.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "The utility schedule provides an allowance for a tenant-owned refrigerator. Since the property includes a refrigerator, this tenant allowance is $0.",
"utility": "Refrigerator (electricity)",
"allowance": 0
},
{
"note": "The utility schedule provides an allowance for a tenant-owned electric range. The property provides a range and uses natural gas for cooking, so this tenant allowance is $0.",
"utility": "Range (electricity)",
"allowance": 0
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 26980.0,
"property_tax_annual": 1116.52,
"property_tax_monthly": 93.04,
"property_tax_increase": 0.03,
"utility_allowance_total": 155.0,
"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": 2025,
"annual_cash_flow_after_debt": -571.55,
"property_management_monthly": 89.8,
"monthly_cash_flow_after_debt": -47.63,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing data, the property appears structurally serviceable and likely rentable after minor-to-moderate repairs. Expect to need handrail/guardrail repairs on the entry/porch, clearance of vegetation near the foundation, and verification/installation of smoke and carbon monoxide detectors and GFCIs. Major unknowns are interior condition and operational status of heating, hot water, plumbing and electrical systems — these must be confirmed prior to an HCV/NSPIRE inspection. With routine fixes and system verifications, the property is likely passable within 2–4 weeks; if heating or hot water systems are missing or fail, that would extend repairs and could cause inspection failure.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show generally intact vinyl siding and an intact shingled roof with no obvious large damage. The front porch and small deck show weathering and aged wood; deck railings and posts look worn and may need repair or replacement. Steps to the entry do not show a handrail and concrete landing has minor surface wear. Outbuildings/garage appear structurally intact but have vegetation and surface deterioration at the base. Missing interior photos prevent confirmation of flooring, drywall, and appliances; listing does not reference included appliances. Overall visible deferred maintenance is minor-to-moderate and repairable."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "Exterior shows no obvious exposed wiring or damaged electrical service; gutters are present. However, the front entry steps lack a handrail and the deck railing appears weathered — this creates an 'unsafe stairs/broken handrail' risk under NSPIRE and is an immediate exterior safety item. No interior photos to confirm presence and placement of smoke/CO detectors, GFCI in kitchen/bath, functioning hot water, or bedroom egress window sizes. Windows appear standard and likely provide egress in bedrooms but must be verified. Vegetation close to foundation could create moisture risk. Because several required life-safety elements are unverified from photos, the property has moderate NSPIRE risk that will require a brief remedial checklist (install/verify detectors, handrail/guardrail repairs, GFCI checks)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 55.0,
"rationale": "Roof shingles appear generally intact from photos with no visible sagging or large failures. No exterior HVAC condenser or heat pump is visible in the photos — heating/cooling system type and location are unconfirmed. No water heater, furnace, electrical panel, or plumbing fixtures are visible inside; these are critical to inspection pass. Outbuildings do not show visible utilities. Given the age (1931) and lack of visible HVAC equipment, assume at least moderate uncertainty/repair risk for mechanicals until interior/system documentation is provided. If heating or hot water are missing or nonfunctional, that would be a significant inspection failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Large, level .579-acre lot with usable open yard. Driveway/gravel areas show normal wear but are serviceable. Siding is vinyl and appears intact; foundation appears continuous and without obvious large cracks. Outbuilding and separate garage/shops are present and generally intact; garage door appears operational but not tested. Some overgrown vegetation near foundation and around property edges should be cleared to prevent moisture/pest issues. No observed standing water, severe erosion, or collapsed structures in yard photos."
}
],
"red_flags": [
"Unsafe stairs / missing handrail at front entry (unsafe stairs / broken handrails)",
"Deteriorated/worn deck railing that may not meet guardrail requirements",
"No visible exterior HVAC condenser or clearly identified heating system — heating presence and condition unverified (confirm immediately)"
],
"confidence": 0.6,
"assumptions": [
"Interior photos and system documentation were not provided; assume kitchen and bathrooms exist but appliances (stove, refrigerator) may not be present or operational and must be confirmed.",
"No exterior HVAC condenser was visible in photos; assume heating system is inside (furnace) but its condition and presence are unconfirmed.",
"Smoke and CO detectors are not visible; assume they are not verified and will need to be installed/checked to meet NSPIRE.",
"Electrical panel condition, GFCI protection in kitchen/bath, and plumbing/hot water operation are unknown and assumed unverified until interior inspection.",
"No obvious large roof or foundation failure observed; assume roof and foundation are functionally sound but should be inspected for leaks and small defects.",
"Age of home (1931) raises potential for legacy lead-based paint in interior surfaces — assume a lead risk discussion and proper remediation if children under 6 are present."
],
"overall_score": 65.0,
"rubric_version": "2026-02-24_NSPIRE_v1"
},
{
"summary": "This property is moderately turnkey for a Housing Choice Voucher move-in after modest repairs and verifications. Exterior and roof appear generally sound; primary concerns are deteriorated porch/deck guard and missing front step handrail, unknown status of smoke/CO detectors and heating/hot-water systems, and general yard/driveway cleanup. With 1–3 weeks of targeted safety fixes (install/repair handrails and guard, verify/add detectors, address any minor exterior repairs) and mechanical verifications/servicing, the home is likely to pass an initial NSPIRE/HCV inspection. If heating or water systems are nonfunctional or electrical panel issues are found, that would increase repair time significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show a structurally intact, vinyl-sided 2-bed house with modest cosmetic wear. Observable issues: weathered porch/deck and railing that appear loose/deteriorated, porch posts showing wear, cracked/uneven small concrete stoop, and areas of yard/driveway needing cleanup. No visible severe drywall, roof collapse, or major exterior structural damage. Missing interior appliances or cosmetic interior issues cannot be assessed from exterior photos and were not penalized heavily. These are mostly easy-to-fix or capital items (deck repair, paint, concrete patching)."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 60.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no visible exposed wiring). However several potential NSPIRE concerns are unresolved from photos: no visible smoke/CO detectors (interior not shown), no visible deadbolt on entry (not confirmed), front steps lack a secure handrail and the deck guard appears deteriorated (could fail an inspector's handrail/guard requirement), and dense shrubs near the foundation could hide issues. Windows appear intact but interior egress (bedroom windows) cannot be confirmed. These items raise moderate risk that will require quick repairs or verification but do not indicate systemic failure based on exterior evidence."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles and chimney appear in serviceable condition with no visible sagging or obvious active leaks in exterior photos. No exterior HVAC condenser or furnace vent is visible in the photos (the chimney suggests a fuel appliance), and water heater/boiler presence/function cannot be confirmed. Electrical meter and service are present at the side of the house; no exposed service wiring is observed. Given the building age (1931) there is moderate risk the mechanical systems need service or replacement, but there is no photographic evidence of catastrophic failure. Verification of heating, hot water, and electrical panel condition will be required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Large .579-acre lot with multiple outbuildings/garages in generally fair condition. The detached shop/garage buildings look structurally sound and provide positive utility for rental tenants. Siding condition appears good overall; foundation appears continuous with no obvious wide separation or major cracks visible. Gravel driveway and some vegetation/weeds are present but manageable. No evidence of standing water, major drainage problems, or infestation visible in photos. Yard does need maintenance (vegetation trim, debris removal) to be fully rent-ready."
}
],
"red_flags": [
"Deteriorated/loose deck guard and railing that may fail inspection",
"Missing/absent handrail on front steps (safety code violation risk)",
"No visible smoke or carbon monoxide detectors (requires verification/installation)",
"No visible exterior HVAC unit or confirmed heating system in photos (heating must be verified)"
],
"confidence": 0.6,
"assumptions": [
"Interior conditions (walls, ceilings, floors, plumbing fixtures, appliances) are not visible; assume average for a home offered for sale and no catastrophic interior damage unless noted.",
"The property has at least one working heating source (likely connected to the chimney), but the heating unit and hot water heater condition are unverified and must be confirmed.",
"No smoke or carbon monoxide detectors are visible from exterior photos; assume they are absent or need verification/installation.",
"Electrical service is present (meter shown) and exterior wiring appears intact; internal wiring and panel condition are unverified.",
"Windows are assumed to operate but bedroom-egress compliance cannot be confirmed from exterior photos and should be checked.",
"Deck and porch railings are assumed structurally weakened due to visible weathering and will likely require repair or replacement to meet guard/handrail requirements.",
"Outbuilding/garage structures are assumed usable storage/workspace but their electrical/plumbing condition (if any) is unverified.",
"No recent rental history in the last 5 years (per snapshot) so no bonus applied to score."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-2025-v1"
},
{
"summary": "Based on exterior photos and listing data, this 1931 single-family home appears structurally intact with primarily cosmetic and small-repair needs. The large lot and sound-looking outbuildings are positives. Major unknowns are interior systems and safety items (smoke/CO detectors, GFCIs, heating, water heater, electrical panel, and bedroom egress). Expected outcome: likely an HCV/NSPIRE inspection with a moderate number of corrective items related to safety devices and minor repairs; with quick fixes the property could be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show generally intact siding, an intact roof slope with no visible sagging or large missing shingles, and a sound foundation appearance. Visible minor deferred maintenance: weathered porch posts/steps, aged deck and railing, staining on siding, and overgrown vegetation near the structure. Interior condition and appliances are not shown; because missing appliances are common and would be simple to supply, they were counted as a moderate concern rather than a severe deduction. Overall the property appears to need mostly cosmetic and small-repair work rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 55.0,
"rationale": "No interior photos to verify critical NSPIRE checklist items (smoke/CO detectors, GFCIs, hot water, operable plumbing, bedroom egress). Exterior shows no obvious electrical hazards, no standing water, and no collapsed structures. However the front entry concrete steps lack a handrail (potential code failure), and bedroom egress / detector presence are unknown — both common fail points on initial HCV inspections. Proximity of large evergreens to the house raises potential for deferred roof/soffit damage or pest issues. These unknowns reduce the safety score to a moderate risk level."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 50.0,
"rationale": "Roof visually appears serviceable from photos (no visible large leaks or sagging). There is a chimney indicating a heating appliance historically present, but no photo confirmation of an HVAC/furnace, water heater, electrical panel, or functioning mechanical systems — all required on inspection. The outbuilding and garage structures look intact. Because mechanicals cannot be verified, this category is scored conservatively at a moderate level; If heating/water heating/electrical are present and functional the score would be considerably higher."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Large, level lot with ample space; outbuildings and detached garage appear structurally intact and usable. Drive/parking area is gravel with scattered vegetation but functional. Siding and gutters appear in generally good condition; no visible major foundation cracks or roof collapse. Some vegetation and debris near buildings and an area of minor ground disturbance are visible but are easy-to-fix site maintenance items. Overall the exterior/site condition is better than average and low risk for an initial inspection."
}
],
"red_flags": [
"Missing/absent handrail on front entry steps (code/safety issue)",
"No interior verification of smoke/CO detectors, GFCI outlets, heating, hot water, electrical panel — these unknowns commonly cause initial inspection failures"
],
"confidence": 0.5,
"assumptions": [
"Interior photos/information not provided; assume kitchen/appliances may or may not be present — missing appliances counted as moderate issue only.",
"Smoke detectors, carbon monoxide detectors, GFCI protection, and electrical panel condition are not visible — assumed absent/unknown and treated as inspection risk.",
"Heating and hot water systems are present but unverified; chimney suggests an existing heating source but operability is unknown.",
"No visible major roof sagging or active exterior leaks from provided angles; roof integrity assumed fair but not certified.",
"Windows and bedroom egress are not shown; assume at least minimal egress exists but this must be confirmed during inspection.",
"No obvious peeling lead-risk paint visible from photos, but the house was built in 1931 so lead risk is possible and should be evaluated per local/state rules.",
"Outbuilding and garage appear structurally sound from photos; assume they do not introduce immediate safety hazards inside the living unit."
],
"overall_score": 62.0,
"rubric_version": "2026-02-24_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5635 Port St, Columbus Grove, OH, 45830",
"aggregate": {
"summary": "Based on exterior photos and listing data, the property appears structurally serviceable and likely rentable after minor-to-moderate repairs. Expect to need handrail/guardrail repairs on the entry/porch, clearance of vegetation near the foundation, and verification/installation of smoke and carbon monoxide detectors and GFCIs. Major unknowns are interior condition and operational status of heating, hot water, plumbing and electrical systems — these must be confirmed prior to an HCV/NSPIRE inspection. With routine fixes and system verifications, the property is likely passable within 2–4 weeks; if heating or hot water systems are missing or fail, that would extend repairs and could cause inspection failure.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photos show generally intact vinyl siding and an intact shingled roof with no obvious large damage. The front porch and small deck show weathering and aged wood; deck railings and posts look worn and may need repair or replacement. Steps to the entry do not show a handrail and concrete landing has minor surface wear. Outbuildings/garage appear structurally intact but have vegetation and surface deterioration at the base. Missing interior photos prevent confirmation of flooring, drywall, and appliances; listing does not reference included appliances. Overall visible deferred maintenance is minor-to-moderate and repairable."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.7,
"rationale": "Large, level .579-acre lot with usable open yard. Driveway/gravel areas show normal wear but are serviceable. Siding is vinyl and appears intact; foundation appears continuous and without obvious large cracks. Outbuilding and separate garage/shops are present and generally intact; garage door appears operational but not tested. Some overgrown vegetation near foundation and around property edges should be cleared to prevent moisture/pest issues. No observed standing water, severe erosion, or collapsed structures in yard photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 58.3,
"rationale": "Exterior shows no obvious exposed wiring or damaged electrical service; gutters are present. However, the front entry steps lack a handrail and the deck railing appears weathered — this creates an 'unsafe stairs/broken handrail' risk under NSPIRE and is an immediate exterior safety item. No interior photos to confirm presence and placement of smoke/CO detectors, GFCI in kitchen/bath, functioning hot water, or bedroom egress window sizes. Windows appear standard and likely provide egress in bedrooms but must be verified. Vegetation close to foundation could create moisture risk. Because several required life-safety elements are unverified from photos, the property has moderate NSPIRE risk that will require a brief remedial checklist (install/verify detectors, handrail/guardrail repairs, GFCI checks)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 55.0,
"rationale": "Roof shingles appear generally intact from photos with no visible sagging or large failures. No exterior HVAC condenser or heat pump is visible in the photos — heating/cooling system type and location are unconfirmed. No water heater, furnace, electrical panel, or plumbing fixtures are visible inside; these are critical to inspection pass. Outbuildings do not show visible utilities. Given the age (1931) and lack of visible HVAC equipment, assume at least moderate uncertainty/repair risk for mechanicals until interior/system documentation is provided. If heating or hot water are missing or nonfunctional, that would be a significant inspection failure."
}
],
"red_flags": [
"Unsafe stairs / missing handrail at front entry (unsafe stairs / broken handrails)",
"Deteriorated/worn deck railing that may not meet guardrail requirements",
"No visible exterior HVAC condenser or clearly identified heating system — heating presence and condition unverified (confirm immediately)"
],
"confidence": 0.92,
"assumptions": [
"Interior photos and system documentation were not provided; assume kitchen and bathrooms exist but appliances (stove, refrigerator) may not be present or operational and must be confirmed.",
"No exterior HVAC condenser was visible in photos; assume heating system is inside (furnace) but its condition and presence are unconfirmed.",
"Smoke and CO detectors are not visible; assume they are not verified and will need to be installed/checked to meet NSPIRE.",
"Electrical panel condition, GFCI protection in kitchen/bath, and plumbing/hot water operation are unknown and assumed unverified until interior inspection.",
"No obvious large roof or foundation failure observed; assume roof and foundation are functionally sound but should be inspected for leaks and small defects.",
"Age of home (1931) raises potential for legacy lead-based paint in interior surfaces — assume a lead risk discussion and proper remediation if children under 6 are present."
],
"score_method": "mean_of_criteria",
"overall_score": 64.4,
"rubric_version": "2026-02-24_NSPIRE_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3036877391"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.