Property ID: 3979993194
301 Allen Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $40,776
CoC Return: 1.80%
Monthly Cash Flow: $61
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,980
Closing Costs
$6,796
Total Down
$40,776
Investment Snapshot
Purchase Price
$169,900
Money Down
$40,776
Cash-on-Cash Return
1.80%
Rent
$1,231
Monthly Cash Flow
$61
Annual Cash Flow
$734
Debt Service / Mo
$904
Property Tax / Mo
$100
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,231
Payment Standard
$1,484
Rent
$1,231
Insurance
$42
Property Tax
$100
Management
$123
Utilities Allowance
$253
NOI (Monthly)
$965
Debt Service
$904
Cash Flow After Debt
$61
Quality Score: 83.40%
Confidence: 94.00%
This single-family home appears largely turnkey for Housing Choice Voucher occupancy. Recent major upgrades (new roof 11/2025, furnace/AC 2023, updated electrical, hot water 2019) and well-presented interior/exterior reduce major inspection risk. Primary remaining verification items for an initial NSPIRE/Section 8 inspection are: presence and proper placement of working smoke and CO alarms, GFCI protection in required locations, and a secure entry door (deadbolt). With those routine verifications and minimal corrective items if needed, the property is likely to pass an initial HCV inspection with only minor preparations.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$253
Guaranteed Section 8 Rent (PS - Utilities)
$1,231
Property Management
$123
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$169,900
Beds
3
Baths
1
Living Area
1,048 sqft
Lot Size
9,148 sqft
Year Built
1900
Days on Market
65
Capital Outlay
$40,776
Debt Service
$904
Property Tax / Mo
$100
Insurance / Mo
$42
Property Description
This property is perfect for buyers looking for move-in-ready comfort paired with functional outdoor space. The home features a brand-new roof (November 2025), along with a new furnace and central air system installed in 2023, ensuring efficiency and comfort year-round. Additional big-ticket improvements include updated electrical, newer windows, and a hot water heater installed in 2019, giving buyers confidence in the home's infrastructure. Outside, you'll find a fully fenced backyard, ideal for pets, play, or entertaining. The detached one-car garage includes an attached workshop, providing excellent space for hobbies, storage, or DIY projects-an increasingly rare and valuable feature.
Utility Allowances
Heating
$75
Property has a natural gas forced air heating system. Using the 'natural_gas' schedule for a 3BR unit.
Cooking
$13
Property includes an electric range. Using the 'electric' schedule for a 3BR unit.
Water Heating
$33
Property has natural gas service for heating; it is assumed the water heater also uses natural gas. Using the 'natural_gas' schedule for a 3BR unit.
Other Electric
$39
Standard allowance for a 3BR unit for general electricity use (lights, outlets, etc.).
Water
$32
Property is connected to public water. Using the fixed allowance for a 3BR unit.
Sewer
$36
Property is connected to a public sanitary sewer. Using the fixed allowance for a 3BR unit.
Trash Collection
$25
Standard service for a single-family home. Using the fixed allowance for a 3BR unit.
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$496
DP3 Annual Estimate$519
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$43
Replacement Value$84,970
Basis1,048 sqft / 1900
Nearby Houses
Photo unavailable
305 Allen Ave
sold · 0.01 mi
Price: $74,600
3 bd / 1 ba · 1,452 sqft
Latest sale: $74,600 on Dec 10, 2024
Latest rent: —
Photo unavailable
300 Midland Ave
sold · 0.03 mi
Price: $90,900
2 bd / 1 ba · 896 sqft
Latest sale: $90,900 on Oct 04, 2021
Latest rent: $1,150 on Apr 28, 2022
Photo unavailable
230 Midland Ave
sold · 0.05 mi
Price: $115,000
3 bd / 2 ba · 1,535 sqft
Latest sale: $115,000 on Dec 15, 2025
Latest rent: —
Photo unavailable
322 Midland Ave
for_sale · 0.06 mi
Price: $149,900
2 bd / 1 ba · 1,088 sqft
Latest sale: $119,000 on Aug 29, 2022
Latest rent: —
Photo unavailable
316 Allen Ave
sold · 0.06 mi
Price: $70,000
2 bd / — ba · 2,028 sqft
Latest sale: $70,000 on Jul 08, 2016
Latest rent: —
Photo unavailable
303 Midland Ave
sold · 0.06 mi
Price: $110,000
4 bd / 1 ba · 1,016 sqft
Latest sale: $110,000 on Feb 13, 2025
Latest rent: —
Photo unavailable
326-328 Midland Ave
sold · 0.07 mi
Price: $100,000
— bd / — ba · 1,066 sqft
Latest sale: $100,000 on Jul 31, 2020
Latest rent: —
Photo unavailable
330 Midland Ave
sold · 0.08 mi
Price: $210,000
4 bd / 2 ba · 1,773 sqft
Latest sale: $210,000 on May 02, 2025
Latest rent: —
Photo unavailable
231 Midland Ave
sold · 0.08 mi
Price: $75,000
— bd / — ba
Latest sale: $75,000 on Mar 01, 2005
Latest rent: —
Photo unavailable
227 Midland Ave
sold · 0.08 mi
Price: $55,000
3 bd / 2 ba · 1,596 sqft
Latest sale: $55,000 on Jun 27, 2016
Latest rent: $1,650 on Jan 22, 2024
Photo unavailable
310 Garfield Ave
sold · 0.09 mi
Price: $85,000
— bd / — ba · 1,764 sqft
Latest sale: $85,000 on Dec 30, 2016
Latest rent: —
Photo unavailable
234 Garfield Ave
sold · 0.09 mi
Price: $58,175
2 bd / 2 ba · 1,390 sqft
Latest sale: $58,175 on Jan 29, 2020
Latest rent: —
Photo unavailable
226 Garfield Ave
sold · 0.10 mi
Price: $119,500
3 bd / 2 ba · 1,388 sqft
Latest sale: $119,500 on Oct 14, 2020
Latest rent: —
Photo unavailable
329 E Foulke Ave
sold · 0.11 mi
Price: $40,150
1 bd / 1 ba · 538 sqft
Latest sale: $40,150 on Aug 24, 2023
Latest rent: —
Photo unavailable
324 Garfield Ave
sold · 0.11 mi
Price: $122,000
3 bd / 1 ba · 1,389 sqft
Latest sale: $122,000 on Oct 19, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing claims (new roof Nov 2025, furnace/AC 2023, updated electrical, hot water heater 2019) are accurate and reflect functioning equipment.
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may need verification or placement to meet NSPIRE locations.
- GFCI protection in kitchen and bathroom outlets is not visible in photos and should be verified; assume retrofits are likely if missing.
- Entry door deadbolt is not visible in photos; assume a secure locking mechanism may need verification/installation.
- Bedroom egress is assumed adequate based on visible window sizes, but actual sleeping room designation and window egress dimensions must be confirmed onsite.
- Detached garage and fenced yard are functional and accessible as described; photos and listing suggest usable condition.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,167 | $108,560 | $38,000 |
| 2023 | $1,284 | $100,180 | $35,060 |
| 2022 | $1,243 | $100,180 | $35,060 |
| 2021 | $1,129 | $79,220 | $27,727 |
| 2020 | $1,128 | $79,220 | $27,727 |
| 2018 | $995 | $65,420 | $22,898 |
| 2017 | $995 | $65,420 | $22,898 |
| 2016 | $991 | $65,420 | $22,898 |
| 2015 | $795 | $51,920 | $18,173 |
| 2014 | $795 | $51,920 | $18,173 |
| 2013 | $795 | $51,920 | $18,173 |
| 2012 | $799 | $51,920 | $18,170 |
| 2011 | $799 | $51,920 | $18,170 |
| 2010 | $799 | $51,920 | $18,170 |
| 2009 | $790 | $54,250 | $18,990 |
| 2008 | $716 | $54,250 | $18,990 |
| 2007 | $714 | $54,250 | $18,990 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2024-04-16 | Sold | $147,000 |
| 2023-11-08 | Sold | $61,500 |
Photo Gallery
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"building": 29740
}
},
{
"tax": 1129,
"year": 2021,
"market": {
"land": 15260,
"total": 79220,
"building": 63960
},
"assessment": {
"land": 5341,
"total": 27727,
"building": 22386
}
},
{
"tax": 1128,
"year": 2020,
"market": {
"land": 15260,
"total": 79220,
"building": 63960
},
"assessment": {
"land": 5341,
"total": 27727,
"building": 22386
}
},
{
"tax": 995,
"year": 2018,
"market": {
"land": 13870,
"total": 65420,
"building": 51550
},
"assessment": {
"land": 4855,
"total": 22898,
"building": 18043
}
},
{
"tax": 995,
"year": 2017,
"market": {
"land": 13870,
"total": 65420,
"building": 51550
},
"assessment": {
"land": 4855,
"total": 22898,
"building": 18043
}
},
{
"tax": 991,
"year": 2016,
"market": {
"land": 13870,
"total": 65420,
"building": 51550
},
"assessment": {
"land": 4855,
"total": 22898,
"building": 18043
}
},
{
"tax": 795,
"year": 2015,
"market": {
"land": 7570,
"total": 51920,
"building": 44350
},
"assessment": {
"land": 2650,
"total": 18173,
"building": 15523
}
},
{
"tax": 795,
"year": 2014,
"market": {
"land": 7570,
"total": 51920,
"building": 44350
},
"assessment": {
"land": 2650,
"total": 18173,
"building": 15523
}
},
{
"tax": 795,
"year": 2013,
"market": {
"land": 7570,
"total": 51920,
"building": 44350
},
"assessment": {
"land": 2650,
"total": 18173,
"building": 15523
}
},
{
"tax": 799,
"year": 2012,
"market": {
"land": 7570,
"total": 51920,
"building": 44350
},
"assessment": {
"land": 2650,
"total": 18170,
"building": 15520
}
},
{
"tax": 799,
"year": 2011,
"market": {
"land": 7570,
"total": 51920,
"building": 44350
},
"assessment": {
"land": 2650,
"total": 18170,
"building": 15520
}
},
{
"tax": 799,
"year": 2010,
"market": {
"land": 7570,
"total": 51920,
"building": 44350
},
"assessment": {
"land": 2650,
"total": 18170,
"building": 15520
}
},
{
"tax": 790,
"year": 2009,
"market": {
"land": 11320,
"total": 54250,
"building": 42930
},
"assessment": {
"land": 3960,
"total": 18990,
"building": 15030
}
},
{
"tax": 716,
"year": 2008,
"market": {
"land": 11320,
"total": 54250,
"building": 42930
},
"assessment": {
"land": 3960,
"total": 18990,
"building": 15030
}
},
{
"tax": 714,
"year": 2007,
"market": {
"land": 11320,
"total": 54250,
"building": 42930
},
"assessment": {
"land": 3960,
"total": 18990,
"building": 15030
}
}
],
"property_history": [
{
"date": "2026-02-14",
"price": 169900,
"listing": {
"status": "for_sale",
"list_date": "2026-02-03T16:15:36Z",
"list_price": 169900,
"listing_id": "2991145365",
"last_update_date": "2026-02-20T17:50:51Z",
"last_status_change_date": "2026-02-03T16:15:36Z"
},
"event_name": "Price Changed",
"price_sqft": 162.11832061068702,
"source_name": "NWOhio",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "10003713",
"price_change_percentage": null
},
{
"date": "2026-02-03",
"price": 174900,
"listing": {
"status": "for_sale",
"list_date": "2026-02-03T16:15:36Z",
"list_price": 169900,
"listing_id": "2991145365",
"last_update_date": "2026-02-20T17:50:51Z",
"last_status_change_date": "2026-02-03T16:15:36Z"
},
"event_name": "Listed",
"price_sqft": 166.88931297709922,
"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "10003713",
"price_change_percentage": "+18.98%"
},
{
"date": "2024-04-16",
"price": 147000,
"listing": {
"status": "sold",
"list_date": "2025-08-05T17:05:09Z",
"list_price": 144900,
"listing_id": "2965143402",
"last_update_date": "2024-08-02T21:22:40Z",
"last_status_change_date": "2025-08-05T17:05:09Z"
},
"event_name": "Sold",
"price_sqft": 140.26717557251908,
"source_name": "NWOhio",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "6112728",
"price_change_percentage": null
},
{
"date": "2023-11-08",
"price": 61500,
"listing": null,
"event_name": "Sold",
"price_sqft": 58.68320610687023,
"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": "3979993194",
"generated_at": "2026-02-24T23:17:11.038801Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 83.4
},
"utility_allowance": {
"zip_code": "45840",
"home_photo": "https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m2573747763s-w1280.jpg",
"rent_price": 1231.0,
"loan_amount": 135920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/301-Allen-Ave_Findlay_OH_45840_M39799-93194",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 169900.0,
"loan_term_years": 30,
"annual_cash_flow": 11585.29,
"mortgage_monthly": 904.28,
"payment_standard": 1484.0,
"total_amount_out": 33980.0,
"additional_photos": [
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m730722454s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m2087247469s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m2643863525s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m3789327922s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m1038990412s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m3728646138s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m3174440667s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m883528256s-w1280.jpg",
"https://ap.rdcpix.com/a2d2511cf1bef20de17a368591daf9dal-m1383106649s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 42.29,
"monthly_cash_flow": 965.44,
"property_tax_rate": 0.0103,
"_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": "Property has a natural gas forced air heating system. Using the 'natural_gas' schedule for a 3BR unit.",
"utility": "Heating",
"allowance": 75
},
{
"note": "Property includes an electric range. Using the 'electric' schedule for a 3BR unit.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Property has natural gas service for heating; it is assumed the water heater also uses natural gas. Using the 'natural_gas' schedule for a 3BR unit.",
"utility": "Water Heating",
"allowance": 33
},
{
"note": "Standard allowance for a 3BR unit for general electricity use (lights, outlets, etc.).",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "Property is connected to public water. Using the fixed allowance for a 3BR unit.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property is connected to a public sanitary sewer. Using the fixed allowance for a 3BR unit.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Standard service for a single-family home. Using the fixed allowance for a 3BR unit.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 33980.0,
"property_tax_annual": 1202.01,
"property_tax_monthly": 100.17,
"property_tax_increase": 0.03,
"utility_allowance_total": 253.0,
"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": 733.94,
"property_management_monthly": 123.1,
"monthly_cash_flow_after_debt": 61.16,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This single-family home appears largely turnkey for Housing Choice Voucher occupancy. Recent major upgrades (new roof 11/2025, furnace/AC 2023, updated electrical, hot water 2019) and well-presented interior/exterior reduce major inspection risk. Primary remaining verification items for an initial NSPIRE/Section 8 inspection are: presence and proper placement of working smoke and CO alarms, GFCI protection in required locations, and a secure entry door (deadbolt). With those routine verifications and minimal corrective items if needed, the property is likely to pass an initial HCV inspection with only minor preparations.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained, recently updated home: painted walls, new-looking flooring, remodeled kitchen cabinets/counters, functioning range and refrigerator visible, washer in laundry alcove, and a clean enclosed front porch. Listing notes new roof (Nov 2025). No visible major cosmetic defects, water stains, or collapsed finishes. Missing small cosmetic touches (porch trim touch-up, light fixture covers in porch) are easy fixes. Overall level of deferred maintenance appears minimal."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 78.0,
"rationale": "No obvious life-threatening hazards visible (no exposed wiring, no sagging ceilings, no standing water). Listing states updated electrical and new HVAC; hot water heater date provided. Photo shows an electrical access panel in kitchen area. Bedroom egress windows appear to be present (tall windows in bedrooms/living areas). Unconfirmed items: presence/placement and operation of smoke detectors and carbon monoxide alarms, GFCI protection in kitchen/bath, and presence of a keyed deadbolt on entry doors. Because these are not visible in photos but the property shows recent system upgrades, risk is moderate — likely passable after verification or small installs."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 90.0,
"rationale": "Listing states new furnace and central AC (2023), new roof (Nov 2025), updated electrical, and water heater from 2019. Photos show a modern electric range and refrigerator and a laundry area with washer. No visible evidence of plumbing leaks, active roof leaks, or deteriorated HVAC equipment. Given the recent major replacements, major systems appear in good condition; recommended verification through current service records and operation checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show intact siding, a maintained driveway, a fully fenced backyard (listed), and a detached one-car garage with workshop as stated. No visible foundation cracks, major grading/drainage issues, or exterior structural defects. Property is shown in snow, limiting full yard inspection, but visible elements are tidy and functional."
}
],
"red_flags": [],
"confidence": 0.8,
"assumptions": [
"Listing claims (new roof Nov 2025, furnace/AC 2023, updated electrical, hot water heater 2019) are accurate and reflect functioning equipment.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may need verification or placement to meet NSPIRE locations.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and should be verified; assume retrofits are likely if missing.",
"Entry door deadbolt is not visible in photos; assume a secure locking mechanism may need verification/installation.",
"Bedroom egress is assumed adequate based on visible window sizes, but actual sleeping room designation and window egress dimensions must be confirmed onsite.",
"Detached garage and fenced yard are functional and accessible as described; photos and listing suggest usable condition."
],
"overall_score": 85.0,
"rubric_version": "ns-pk-2026-1"
},
{
"summary": "This property appears largely turnkey for a Section 8/HCV initial inspection. Major systems are reported recently updated (roof 2025, HVAC 2023, electrical updated, water heater 2019) and interiors/photos show clean, code-typical conditions. The home shows no visible structural or life-safety failures. Remaining inspection risks are mostly documentation or small safety items that an inspector would verify on site (GFCI outlets in kitchen/bath, confirmed working smoke/CO detectors, electrical panel access). Expect a high likelihood of passing an initial HCV inspection after confirming detectors and GFCI outlets; minimal repairs likely.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 88.0,
"rationale": "Interior and exterior photographs show a well-maintained home with recent cosmetic updates (painted walls/cabinets, new-looking flooring and carpet). Kitchen and living areas appear clean and intact; stove and refrigerator are present. No visible drywall damage, large stains, or collapsed surfaces. Minor finish issues possible (trim/thresholds, porch trim) but nothing requiring immediate structural work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 78.0,
"rationale": "No visible exposed wiring, active water stains, or collapsed ceilings. A small smoke/CO device is visible above the kitchen arch (photo), but CO detector and GFCI presence cannot be confirmed from images. Entry doors have storm/security doors; deadbolt not visible but likely present. Egress windows appear adequate in main rooms. Year-built 1900 raises potential lead-paint risk on older components (interior appears recently painted). Overall low visible immediate hazards, but missing confirmation of GFCI outlets and CO detectors reduces score."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 86.0,
"rationale": "Listing states new roof (Nov 2025), furnace and central air (2023), updated electrical, and hot water heater (2019). Photos show a thermostat and laundry area; appliances appear present and connected. No visual evidence of roof leaks, plumbing failures, or electrical hazards. Score reduced slightly because system operation (startup, pilot/gas venting, electrical panel condition) cannot be verified from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 82.0,
"rationale": "Exterior siding, detached one-car garage and fenced yard appear intact and usable. Driveway in photos is functional though partially snow-covered; walkways and yard are level with no obvious foundation movement or standing water visible. Power pole and lines along the side are present but typical. No signs of infestation or serious exterior neglect."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statements are accurate: roof replaced Nov 2025, furnace/AC replaced 2023, electrical updated, water heater installed 2019.",
"Photographs represent current condition (no hidden active leaks or recent damage not shown).",
"A functioning smoke detector is present (a small white device is visible above the kitchen arch), but CO detector and GFCI outlets were not photographed and must be confirmed.",
"Electrical panel is intact and meets local code as stated in listing (not visible in photos).",
"No interior lead-paint hazards are visible; however the house was built 1900 so lead-paint risk exists on older surfaces unless remediated—interior appears repainted.",
"Heating, cooling and hot water systems are operational as claimed; full functional tests would be required during inspection.",
"Garage and backyard fence are serviceable; snow cover may hide minor site defects."
],
"overall_score": 84.0,
"rubric_version": "ns2026-1.0"
},
{
"summary": "This single-family home is likely Section 8 / HCV inspection-ready and appears turnkey. Major systems are recently updated (roof 2025, HVAC 2023, electrical updated, water heater 2019), interior and exterior show no visible structural or life‑safety failures, and appliances/laundry are present. The primary remaining verification items for NSPIRE are documentation/visible presence of smoke and CO detectors, confirmation of GFCI protection where required, and operational checks of HVAC and hot water. With those verifications (and minor touch-ups if requested), the property is likely to pass an initial HCV inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show a recently updated interior: new-looking flooring, painted cabinets, intact drywall, clean carpet, functioning stove and refrigerator visible, and laundry area present. No obvious cosmetic deferred maintenance or damaged surfaces are visible. Missing minor items (no visible outlet covers or small touch-up needs) but nothing that appears to require major work. Overall appears move-in ready with only minor, easy-to-fix items if any."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance (NSPIRE risk)",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings intact, no visible active leaks, no standing water, no exposed high‑voltage wiring, and entry doors appear secure with a storm/security door installed. Bedroom egress appears likely from visible bedroom windows. However, smoke detectors and carbon monoxide detectors are not clearly visible in photos and GFCI presence in kitchen/bathrooms is unconfirmed. Listing states 'updated electrical' which reduces risk, but because required detectors/outlets are not photographed, a small safety compliance risk remains until verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 85.0,
"rationale": "Listing states new roof (Nov 2025), new furnace and central air (2023), updated electrical, and water heater (2019). Interior photos show a thermostat and an operable stove and laundry area. No visual evidence of HVAC or water‑heater failure, roof sagging, or plumbing damage. Based on listing + photos, major systems appear recently updated and in good condition; on‑site verification of furnace operation and water heater performance would be required but overall risk is low."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding and roof appear intact in photos; driveway and detached one‑car garage with workshop present. Listing notes a fully fenced backyard (partially visible). Yard and walkways look serviceable; shrubs trimmed. Snow limits full visual inspection of grading/drainage but no visible foundation cracks, sagging, or exterior structural damage. Some normal wear expected for a 1900-built home but no obvious exterior neglect."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate about the new roof (Nov 2025), furnace/AC (2023), updated electrical, and water heater (2019).",
"Utilities (heat, hot water, electrical, and plumbing) are operational at time of inspection unless otherwise reported; photos show thermostat and laundry appliances suggesting functioning systems.",
"Bedrooms have egress‑compliant windows (windows in bedrooms look full-size and operable in photos).",
"Updated electrical implies a code-compliant panel and grounded circuits, though GFCI outlet presence in kitchen/bath was not photographed and must be verified onsite.",
"No hidden major defects (foundation movement, active roof leaks, severe mold) are present because there are no visual indicators in photos; however snow limits full exterior grade/drainage inspection."
],
"overall_score": 82.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "301 Allen Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "This single-family home appears largely turnkey for Housing Choice Voucher occupancy. Recent major upgrades (new roof 11/2025, furnace/AC 2023, updated electrical, hot water 2019) and well-presented interior/exterior reduce major inspection risk. Primary remaining verification items for an initial NSPIRE/Section 8 inspection are: presence and proper placement of working smoke and CO alarms, GFCI protection in required locations, and a secure entry door (deadbolt). With those routine verifications and minimal corrective items if needed, the property is likely to pass an initial HCV inspection with only minor preparations.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.0,
"rationale": "Interior and exterior photos show a well-maintained, recently updated home: painted walls, new-looking flooring, remodeled kitchen cabinets/counters, functioning range and refrigerator visible, washer in laundry alcove, and a clean enclosed front porch. Listing notes new roof (Nov 2025). No visible major cosmetic defects, water stains, or collapsed finishes. Missing small cosmetic touches (porch trim touch-up, light fixture covers in porch) are easy fixes. Overall level of deferred maintenance appears minimal."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.3,
"rationale": "Exterior photos show intact siding, a maintained driveway, a fully fenced backyard (listed), and a detached one-car garage with workshop as stated. No visible foundation cracks, major grading/drainage issues, or exterior structural defects. Property is shown in snow, limiting full yard inspection, but visible elements are tidy and functional."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 77.0,
"rationale": "No obvious life-threatening hazards visible (no exposed wiring, no sagging ceilings, no standing water). Listing states updated electrical and new HVAC; hot water heater date provided. Photo shows an electrical access panel in kitchen area. Bedroom egress windows appear to be present (tall windows in bedrooms/living areas). Unconfirmed items: presence/placement and operation of smoke detectors and carbon monoxide alarms, GFCI protection in kitchen/bath, and presence of a keyed deadbolt on entry doors. Because these are not visible in photos but the property shows recent system upgrades, risk is moderate — likely passable after verification or small installs."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 87.0,
"rationale": "Listing states new furnace and central AC (2023), new roof (Nov 2025), updated electrical, and water heater from 2019. Photos show a modern electric range and refrigerator and a laundry area with washer. No visible evidence of plumbing leaks, active roof leaks, or deteriorated HVAC equipment. Given the recent major replacements, major systems appear in good condition; recommended verification through current service records and operation checks."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Listing claims (new roof Nov 2025, furnace/AC 2023, updated electrical, hot water heater 2019) are accurate and reflect functioning equipment.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may need verification or placement to meet NSPIRE locations.",
"GFCI protection in kitchen and bathroom outlets is not visible in photos and should be verified; assume retrofits are likely if missing.",
"Entry door deadbolt is not visible in photos; assume a secure locking mechanism may need verification/installation.",
"Bedroom egress is assumed adequate based on visible window sizes, but actual sleeping room designation and window egress dimensions must be confirmed onsite.",
"Detached garage and fenced yard are functional and accessible as described; photos and listing suggest usable condition."
],
"score_method": "mean_of_criteria",
"overall_score": 83.4,
"rubric_version": "ns-pk-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "3979993194"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.