Property ID: 3780285009
140 Monroe Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $29,736
CoC Return: 1.69%
Monthly Cash Flow: $42
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,780
Closing Costs
$4,956
Total Down
$29,736
Investment Snapshot
Purchase Price
$123,900
Money Down
$29,736
Cash-on-Cash Return
1.69%
Rent
$904
Monthly Cash Flow
$42
Annual Cash Flow
$502
Debt Service / Mo
$659
Property Tax / Mo
$71
Insurance / Mo
$41
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$904
Payment Standard
$1,127
Rent
$904
Insurance
$41
Property Tax
$71
Management
$90
Utilities Allowance
$223
NOI (Monthly)
$701
Debt Service
$659
Cash Flow After Debt
$42
Quality Score: 66.80%
Confidence: 94.00%
Based on photos and listing text, this 2-bed, 1-bath ranch appears largely habitable with mostly cosmetic repairs and site cleanup needed. Kitchen and bathroom fixtures are present and the exterior envelope and roof show no obvious structural failure. Primary inspection risks are absence of visible smoke/CO alarms and lack of documented heating/HVAC and electrical panel visibility. With targeted fixes — install/verify smoke & CO alarms, confirm/repair heating system, add required GFCI protection and replace/secure trim and cabinet kickplates — the property would likely pass an initial HCV/NSPIRE inspection within 2–6 weeks.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$223
Guaranteed Section 8 Rent (PS - Utilities)
$904
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$123,900
Beds
2
Baths
1
Living Area
805 sqft
Lot Size
5,841 sqft
Year Built
1930
Days on Market
51
Capital Outlay
$29,736
Debt Service
$659
Property Tax / Mo
$71
Insurance / Mo
$41
Property Description
Ranch home close to University. White kitchen with appliances.
Utility Allowances
Heating
$67
Property listing specifies 'Baseboard, Electric' heating. The electric option was chosen from the schedule.
Cooking
$11
Property listing includes an 'Electric Oven'. The electric cooking allowance was selected.
Water Heating
$33
Based on the property's electric heating system and mention of a 'Water Heater', the electric option was selected for water heating.
Other Electric
$32
Standard allowance for general electricity use like lights and outlets for a 2-bedroom unit.
Water
$26
Property listing specifies a 'Public' water source.
Sewer
$29
Property listing specifies 'Public Sewer'.
Trash Collection
$25
This is a standard fixed allowance for single-family homes in this jurisdiction.
Air Conditioning
$0
Property listing states 'Cooling: None', and the utility schedule has no allowance for this utility.
Range
$0
The landlord provides an 'Electric Oven', so the tenant does not need to provide a range. The allowance for a tenant-provided a range is $0.
Refrigerator
$0
The landlord provides a 'Refrigerator', so the tenant does not need to provide one. The allowance for a tenant-provided refrigerator 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$480
DP3 Annual Estimate$502
DP1 Monthly Equivalent$40
DP3 Monthly Equivalent$42
Replacement Value$55,790
Basis805 sqft / 1930
Nearby Houses
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143 Clifton Ave
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137 Clifton Ave
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143 Monroe Ave
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145 Monroe Ave
sold · 0.04 mi
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Photo unavailable
139 Monroe Ave
sold · 0.04 mi
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137 Monroe Ave
sold · 0.04 mi
Price: $415,000
5 bd / 1 ba · 1,584 sqft
Latest sale: $415,000 on Nov 06, 2025
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Photo unavailable
206 Monroe Ave
sold · 0.05 mi
Price: $70,000
3 bd / 1 ba · 1,575 sqft
Latest sale: $70,000 on Feb 07, 2020
Latest rent: —
Photo unavailable
131 Monroe Ave
sold · 0.05 mi
Price: $93,570
3 bd / 1 ba · 1,465 sqft
Latest sale: $93,570 on Oct 11, 2018
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Photo unavailable
124 Monroe Ave
sold · 0.05 mi
Price: $145,000
3 bd / 2 ba · 1,318 sqft
Latest sale: $145,000 on Jun 15, 2023
Latest rent: —
Photo unavailable
146 Clifton Ave
for_sale · 0.06 mi
Price: $249,900
4 bd / 2 ba · 2,338 sqft
Latest sale: $181,000 on Feb 01, 2023
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Photo unavailable
200 Madison Ave
sold · 0.07 mi
Price: $146,000
3 bd / 2 ba · 1,700 sqft
Latest sale: $146,000 on Dec 09, 2020
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Photo unavailable
1808 N Cory St
sold · 0.07 mi
Price: $95,044
3 bd / 2 ba · 930 sqft
Latest sale: $95,044 on Sep 30, 2021
Latest rent: —
Photo unavailable
117 Clifton Ave
sold · 0.07 mi
Price: $128,000
3 bd / 2 ba · 1,036 sqft
Latest sale: $128,000 on Dec 31, 2020
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Photo unavailable
209 Monroe Ave
sold · 0.07 mi
Price: $92,500
3 bd / 1 ba · 1,196 sqft
Latest sale: $92,500 on May 09, 2022
Latest rent: —
Photo unavailable
130 Clifton Ave
sold · 0.07 mi
Price: $170,000
4 bd / 2 ba · 1,550 sqft
Latest sale: $170,000 on Feb 08, 2021
Latest rent: —
Photo unavailable
208 Madison Ave
sold · 0.07 mi
Price: $104,900
3 bd / 1 ba · 1,764 sqft
Latest sale: $104,900 on Jun 07, 2018
Latest rent: —
Photo unavailable
215 Rector Ave
sold · 0.09 mi
Price: $100,000
4 bd / 1 ba · 960 sqft
Latest sale: $100,000 on Oct 15, 2024
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requires properly placed detectors).
- No visible heating system / furnace or clear evidence of operational primary heating in photos (major inspection risk).
- GFCI protection locations (kitchen/bath) not visible or verified.
- Leaning/weathered fence and yard debris adjacent to the structure could create safety/infestation concerns if not cleaned/secured.
Assumptions
- Listing statement 'white kitchen with appliances' is accurate; photographs show a dishwasher and likely refrigerator/stove at kitchen edges.
- A functional heating system exists in the property but is not shown in photos; it is assumed present but unverified.
- No active roof leaks or interior water damage beyond minor drywall imperfections (no major stains visible).
- Bedrooms have at least one window each; egress adequacy is unknown and assumed typical for a small ranch of this era but should be confirmed.
- Smoke detectors, carbon monoxide alarms and GFCI outlets are not visible in photographs and are therefore assumed missing or unverified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $832 | $66,970 | $23,440 |
| 2023 | $837 | $66,970 | $23,440 |
| 2022 | $831 | $66,970 | $23,440 |
| 2021 | $730 | $49,960 | $17,487 |
| 2020 | $711 | $49,960 | $17,487 |
| 2018 | $667 | $43,880 | $15,359 |
| 2017 | $667 | $43,880 | $15,359 |
| 2016 | $670 | $43,880 | $15,359 |
| 2015 | $592 | $38,690 | $13,542 |
| 2014 | $592 | $38,690 | $13,542 |
| 2013 | $592 | $38,690 | $13,542 |
| 2012 | $595 | $38,690 | $13,540 |
| 2011 | $595 | $38,690 | $13,540 |
| 2010 | $595 | $38,690 | $13,540 |
| 2009 | $891 | $29,730 | $10,400 |
| 2008 | $392 | $29,730 | $10,400 |
| 2007 | $390 | $29,730 | $10,400 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-07-15 | Sold | $98,250 |
| 2005-12-06 | Sold | $46,000 |
| 2003-09-26 | Sold | $46,000 |
| 1997-07-08 | Sold | $23,000 |
Photo Gallery
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"summary": "Based on photos and listing text, this 2-bed, 1-bath ranch appears largely habitable with mostly cosmetic repairs and site cleanup needed. Kitchen and bathroom fixtures are present and the exterior envelope and roof show no obvious structural failure. Primary inspection risks are absence of visible smoke/CO alarms and lack of documented heating/HVAC and electrical panel visibility. With targeted fixes — install/verify smoke & CO alarms, confirm/repair heating system, add required GFCI protection and replace/secure trim and cabinet kickplates — the property would likely pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
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"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior cosmetic wear is present (scuffed cabinet faces, missing kick/trim under cabinets, minor drywall patches). Flooring appears recently replaced and in good condition. Kitchen has dishwasher and likely other appliances per listing; cabinets and counters functional. Exterior has yard clutter and overgrown plant beds but no severe deferred maintenance visible. These are mostly minor/medium repairs and cosmetic work; missing trim and cabinet repairs reduce score moderately but nothing indicates major rehab."
},
{
"key": "safety_code",
"label": "Life/safety & code risk",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in the provided interior photos (NSPIRE requires properly placed smoke detectors). Outlet covers are present in photographed rooms. No obvious exposed wiring or electrical hazards visible. Bathroom and kitchen fixtures appear functional; toilet and tub/shower present. Windows appear intact but egress status for bedrooms is unknown. Front entry door has a lock; deadbolt presence is unclear from photos. Small concrete front stoop shows minor cracking but not a collapsed condition. Because critical safety devices (smoke/CO) and GFCI locations are not shown, this is a moderate inspection risk."
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{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 65.0,
"rationale": "Roof shingles visible look intact and recently replaced on the addition — no visible active leaks or sagging. Plumbing fixtures in kitchen and bath appear installed and functional. Electrical panel and furnace/HVAC equipment are not photographed; forced-air or heating system is not visible. Water heater is not shown. Dishwasher, refrigerator and stove are claimed in the listing and a dishwasher is visible; missing system documentation and lack of visible heating equipment reduce the score to a moderate rating. No visible signs of major system failure (no collapsed ceilings, major water stains, or obvious electrical damage)."
},
{
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"label": "Exterior envelope & site",
"score": 72.0,
"rationale": "Vinyl siding appears intact though dirty; roof lines look straight with no evidence of sagging. Yard is level with no visible standing water. A section of wooden fence appears weathered/leaning and the yard has debris and a propane tank/grill stored adjacent to the structure — needs cleanup and some fence repair. Walkway and small front stoop exist; there is no visible unsafe stairs or collapsed elements. Overall exterior is presentable but needs cleanup and minor repairs."
}
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"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requires properly placed detectors).",
"No visible heating system / furnace or clear evidence of operational primary heating in photos (major inspection risk).",
"GFCI protection locations (kitchen/bath) not visible or verified.",
"Leaning/weathered fence and yard debris adjacent to the structure could create safety/infestation concerns if not cleaned/secured."
],
"confidence": 0.63,
"assumptions": [
"Listing statement 'white kitchen with appliances' is accurate; photographs show a dishwasher and likely refrigerator/stove at kitchen edges.",
"A functional heating system exists in the property but is not shown in photos; it is assumed present but unverified.",
"No active roof leaks or interior water damage beyond minor drywall imperfections (no major stains visible).",
"Bedrooms have at least one window each; egress adequacy is unknown and assumed typical for a small ranch of this era but should be confirmed.",
"Smoke detectors, carbon monoxide alarms and GFCI outlets are not visible in photographs and are therefore assumed missing or unverified."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
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"summary": "This 2-bed ranch appears structurally sound and mostly rent-ready with minor cosmetic repairs and cleanup. Primary inspection risks are missing or not-visible life-safety devices (smoke/CO detectors) and likely missing GFCI protection at kitchen/bath counters. Major systems (roof/heat/plumbing) show no obvious catastrophic failure in photos, but HVAC/water-heater/electrical panel were not imaged and should be verified. If smoke/CO alarms are installed, GFCIs added (if required), and a few cabinet/trim touch-ups and yard cleanup completed, the unit is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 70.0,
"rationale": "Overall interior and exterior appear serviceable with cosmetic wear. Kitchen has working sink, dishwasher and cabinets but cabinets show scuffs and worn paint/trim; countertops and flooring look recently replaced or in good condition. Bathroom fixtures appear intact. Exterior vinyl siding and roof shingles appear intact with no large visible holes. Yard has scattered debris, small firepit ring and a BBQ stored next to the house that should be removed. Missing minor trim/paint touch-ups, some exterior landscaping and cleanup required. Listing states appliances present which reduces penalty for missing equipment."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Moderate inspection risk. No smoke detectors or CO alarms are visible in the photos (required). No visible GFCI-protected outlets near the kitchen sink or in the bathroom (photos show standard outlets). Window egress for bedrooms is not confirmed from provided photos. Entry door has a deadbolt visible. No exposed live wiring or obvious water intrusion or mold stains seen. Because detectors and GFCI protection are common automatic fails on initial HCV inspections, absence of visible devices lowers the score despite otherwise acceptable conditions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 65.0,
"rationale": "Roof shingles appear in serviceable condition from photos. A heating element/baseboard is visible in bathroom area suggesting heat is present (type not fully verified). Water heater and HVAC equipment are not shown; plumbing fixtures (sink, toilet, bathtub/shower) are present and appear functional. Electrical panel not shown. No visible active leaks or large stains. Moderate uncertainty about age/operation of major systems (water heater, furnace/AC) reduces score."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Vinyl siding is intact and level; rooflines look straight with no visible sagging. Front stoop is small and without a handrail (single low step). Fencing at side yard appears intact but yard shows clutter, toys, and a small makeshift firepit; grass/landscaping is neglected. No standing water or visible foundation cracks in provided photos. Driveway/sidewalk not fully shown; walk to door is direct and low-risk."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement 'white kitchen with appliances' is accurate and the pictured appliances (dishwasher, range/fridge) will remain.",
"Heating is present and functional (visual evidence of baseboard/heater element near bathroom); a working heating system exists though the furnace/boiler is not pictured.",
"No unpictured active leaks, major mold, or significant electrical hazards exist beyond what is visible.",
"Bedrooms have adequate egress windows typical for a small ranch; this was not directly photographed.",
"Electrical panel and water heater are present and operational though not shown in photos."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears moderately well-maintained and would likely pass a Section 8 (HCV/NSPIRE) initial inspection after addressing a handful of minor-to-moderate items. Primary concerns are lack of visible smoke/CO detectors and unclear GFCI protection and unverified heating/major system documentation. Cosmetic repairs (cabinet touch-up, trim, front stoop, yard cleanup, fence repair) and installation/verification of required detectors and GFCIs would likely be needed before passing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show a largely intact, recently-updated appearance: kitchen has functioning sink, dishwasher and other appliances per listing, new-looking laminate flooring, and intact cabinets (scuffed). Cosmetic wear on cabinet faces, baseboards and trim, some peeling paint/patching under window, and exterior yard clutter/vegetation present. No visible collapsed surfaces or large-scale deferred maintenance. Missing minor finishes and cosmetic repairs would be expected but are easy-to-fix."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 62.0,
"rationale": "No visible smoke or CO detectors in provided photos (required). Entry door shows lockset and likely deadbolt; outlet covers present; no obvious exposed wiring or broken electrical panel seen. Egress for bedrooms not shown; bathroom and living windows present but bedroom egress unknown. Small concrete stoop is slightly uneven (trip hazard). GFCI outlets not visible in kitchen/bath images (potential code deficiency). No visible active leaks, major mold, or collapsed ceilings. Overall moderate NSPIRE risk due to missing visible detectors, unknown bedroom egress and unclear GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Roof shingles and exterior siding appear in serviceable condition from photos (no visible major roof failure). Plumbing fixtures (sink, dishwasher, toilet) appear present and functional. Electrical panel, furnace/boiler, water heater and AC condensing unit are not shown; absence of visible HVAC equipment increases uncertainty. No visible standing water or major drainage issues in photos. Given typical small single-family layouts, systems likely present but not proven — moderate risk until inspected."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Siding and roof appear intact; yard is level but shows general neglect/clutter and small trip hazards at the front slab. Wooden privacy fence along side looks weathered and partially leaning; gate present. Driveway/parking not shown. No evidence of major foundation movement or standing water was observable from provided exterior shots."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in provided interior photos (NSPIRE requirement).",
"No visible GFCI receptacles in kitchen or bathroom photos — potential code/NSPIRE deficiency.",
"Side privacy fence appears weathered and leaning (possible safety/liability issue) and front stoop has uneven concrete (trip hazard).",
"Major systems (furnace/boiler, water heater, electrical panel) not visible in photos — system presence and operational status must be verified before inspection."
],
"confidence": 0.6,
"assumptions": [
"Listing text states kitchen has appliances; photos confirm dishwasher and a stove/fridge are present — assume working but will need function test.",
"Bedrooms and their egress windows were not photographed; assumed at least one window meets egress but this is unverified.",
"No HVAC, water heater, or electrical panel visible in photos; assume functioning heating and hot water systems are present but unverified by photos.",
"No interior photos show smoke or carbon monoxide detectors; assume none visible in areas photographed but they may exist elsewhere.",
"No evidence of major structural movement or active leaks in photos; assume none present but concealed issues cannot be ruled out."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "140 Monroe Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "Based on photos and listing text, this 2-bed, 1-bath ranch appears largely habitable with mostly cosmetic repairs and site cleanup needed. Kitchen and bathroom fixtures are present and the exterior envelope and roof show no obvious structural failure. Primary inspection risks are absence of visible smoke/CO alarms and lack of documented heating/HVAC and electrical panel visibility. With targeted fixes — install/verify smoke & CO alarms, confirm/repair heating system, add required GFCI protection and replace/secure trim and cabinet kickplates — the property would likely pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 73.3,
"rationale": "Interior cosmetic wear is present (scuffed cabinet faces, missing kick/trim under cabinets, minor drywall patches). Flooring appears recently replaced and in good condition. Kitchen has dishwasher and likely other appliances per listing; cabinets and counters functional. Exterior has yard clutter and overgrown plant beds but no severe deferred maintenance visible. These are mostly minor/medium repairs and cosmetic work; missing trim and cabinet repairs reduce score moderately but nothing indicates major rehab."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.7,
"rationale": "Vinyl siding appears intact though dirty; roof lines look straight with no evidence of sagging. Yard is level with no visible standing water. A section of wooden fence appears weathered/leaning and the yard has debris and a propane tank/grill stored adjacent to the structure — needs cleanup and some fence repair. Walkway and small front stoop exist; there is no visible unsafe stairs or collapsed elements. Overall exterior is presentable but needs cleanup and minor repairs."
},
{
"key": "safety_code",
"label": "Life/safety & code risk",
"score": 59.0,
"rationale": "No smoke detectors or CO alarms are visible in the provided interior photos (NSPIRE requires properly placed smoke detectors). Outlet covers are present in photographed rooms. No obvious exposed wiring or electrical hazards visible. Bathroom and kitchen fixtures appear functional; toilet and tub/shower present. Windows appear intact but egress status for bedrooms is unknown. Front entry door has a lock; deadbolt presence is unclear from photos. Small concrete front stoop shows minor cracking but not a collapsed condition. Because critical safety devices (smoke/CO) and GFCI locations are not shown, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 63.3,
"rationale": "Roof shingles visible look intact and recently replaced on the addition — no visible active leaks or sagging. Plumbing fixtures in kitchen and bath appear installed and functional. Electrical panel and furnace/HVAC equipment are not photographed; forced-air or heating system is not visible. Water heater is not shown. Dishwasher, refrigerator and stove are claimed in the listing and a dishwasher is visible; missing system documentation and lack of visible heating equipment reduce the score to a moderate rating. No visible signs of major system failure (no collapsed ceilings, major water stains, or obvious electrical damage)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requires properly placed detectors).",
"No visible heating system / furnace or clear evidence of operational primary heating in photos (major inspection risk).",
"GFCI protection locations (kitchen/bath) not visible or verified.",
"Leaning/weathered fence and yard debris adjacent to the structure could create safety/infestation concerns if not cleaned/secured."
],
"confidence": 0.94,
"assumptions": [
"Listing statement 'white kitchen with appliances' is accurate; photographs show a dishwasher and likely refrigerator/stove at kitchen edges.",
"A functional heating system exists in the property but is not shown in photos; it is assumed present but unverified.",
"No active roof leaks or interior water damage beyond minor drywall imperfections (no major stains visible).",
"Bedrooms have at least one window each; egress adequacy is unknown and assumed typical for a small ranch of this era but should be confirmed.",
"Smoke detectors, carbon monoxide alarms and GFCI outlets are not visible in photographs and are therefore assumed missing or unverified."
],
"score_method": "mean_of_criteria",
"overall_score": 66.8,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3780285009"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.