Property ID: 3988452563

213 Cherry St, Findlay, OH, 45840

Findlay, OH

For Sale Feb 24, 2026 11:17 PM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $40,776 CoC Return: 1.49% Monthly Cash Flow: $51
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,980
Closing Costs
$6,796
Total Down
$40,776
Primary property image

Investment Snapshot

Purchase Price
$169,900
Money Down
$40,776
Cash-on-Cash Return
1.49%
Rent
$1,231
Monthly Cash Flow
$51
Annual Cash Flow
$607
Debt Service / Mo
$904
Property Tax / Mo
$110
Insurance / Mo
$43

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,231
Payment Standard
$1,484
Rent
$1,231
Insurance
$43
Property Tax
$110
Management
$123
Utilities Allowance
$253
NOI (Monthly)
$955
Debt Service
$904
Cash Flow After Debt
$51

Quality Score: 74.90%

Confidence: 95.00%

This 3-bed, 2-bath single-family home appears largely rent-ready with mostly cosmetic repairs and cleaning required. Exterior, porch and driveway are in good shape and there are no visible structural or life-safety failures in the photos. Main inspection risk items are lack of visible smoke/CO detectors, unverified GFCI protection, and unshown mechanicals (electrical panel, water heater, furnace). If detectors, GFCI outlets and basic mechanical services are present and functional, the property is likely to pass an initial Section 8 / HCV (NSPIRE) inspection after minor fixes (cleaning, outlet covers, securing visible wiring). Recommended pre-inspection: verify presence and operation of smoke/CO alarms, test HVAC and hot water, confirm electrical panel condition and GFCI protection, and document kitchen/bath fixtures and appliances.

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
2
Living Area
1,578 sqft
Lot Size
5,001 sqft
Year Built
1900
Days on Market
135
Capital Outlay
$40,776
Debt Service
$904
Property Tax / Mo
$110
Insurance / Mo
$43

Property Description

Welcome to this nicely maintained 3-bedroom, 2-bath home on Cherry Street. A charming wrap-around front porch highlights the exterior, while the private backyard features a deck with a pergola, perfect for outdoor dining or quiet evenings. Inside, the home offers comfortable living with central air and the added assurance of a Generac generator. A one-car garage provides extra convenience. A solid, move-in-ready home ready for your own personal touches.

Utility Allowances

Heating
$75
Property details specify 'Natural Gas' for heating. The allowance is based on the 'natural_gas' option for a 3-bedroom unit.
Cooking
$13
Property details specify an 'Electric Range' is included. The allowance is based on the 'electric' cooking option for a 3-bedroom unit.
Water Heating
$33
The property includes a water heater. Natural gas was chosen as it is the primary heating fuel for the home, making it the most likely and cost-effective option.
Other Electric
$39
This is the standard allowance for general electricity (lights, outlets, etc.) in a 3-bedroom single-family home.
Water
$32
The property uses public water. This is the standard allowance for a 3-bedroom unit.
Sewer
$36
The property is connected to a public sewer. This is the standard allowance for a 3-bedroom unit.
Trash Collection
$25
This is a standard fixed allowance for trash collection in this jurisdiction.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$499
DP3 Annual Estimate$537
DP1 Monthly Equivalent$42
DP3 Monthly Equivalent$45
Replacement Value$89,220
Basis1,578 sqft / 1900

Nearby Houses

Nearby house 1
Photo unavailable

321 Clinton St

sold · 0.01 mi
Price: $62,000
3 bd / 1 ba · 1,060 sqft
Latest sale: $62,000 on Jun 21, 2018
Latest rent: —
Nearby house 2
Photo unavailable

315 Clinton St

sold · 0.04 mi
Price: $55,500
4 bd / 2 ba · 1,689 sqft
Latest sale: $55,500 on Apr 12, 2016
Latest rent: $300 on Aug 04, 2018
Nearby house 3
Photo unavailable

202 Cherry St

sold · 0.04 mi
Price: $148,000
3 bd / 1 ba · 1,564 sqft
Latest sale: $148,000 on Oct 22, 2025
Latest rent: —
Nearby house 4
Photo unavailable

328 Clinton St

sold · 0.05 mi
Price: $85,000
— bd / — ba · 1,535 sqft
Latest sale: $85,000 on Jul 14, 2023
Latest rent: $945 on Jan 15, 2024
Nearby house 5
Photo unavailable

317-321 Taylor St

sold · 0.07 mi
Price: $139,000
— bd / — ba · 2,504 sqft
Latest sale: $139,000 on Apr 20, 2022
Latest rent: —
Nearby house 6
Photo unavailable

128 Center St

sold · 0.07 mi
Price: $148,500
5 bd / 3 ba · 3,104 sqft
Latest sale: $148,500 on May 09, 2022
Latest rent: —
Nearby house 7
Photo unavailable

207 Center St

sold · 0.09 mi
Price: $199,900
3 bd / 2 ba · 1,748 sqft
Latest sale: $199,900 on Aug 18, 2023
Latest rent: —
Nearby house 8
Photo unavailable

201 Center St

sold · 0.09 mi
Price: $30,500
5 bd / — ba · 2,621 sqft
Latest sale: $30,500 on Dec 09, 2016
Latest rent: —
Nearby house 9
Photo unavailable

423 Clinton St

sold · 0.09 mi
Price: $65,500
2 bd / 1 ba · 922 sqft
Latest sale: $65,500 on Aug 24, 2022
Latest rent: —
Nearby house 10
Photo unavailable

223 Center St Apt 1

off_market · 0.10 mi
Price: $850
1 bd / 1 ba · 750 sqft
Latest sale: —
Latest rent: —
Nearby house 11
Photo unavailable

225 Center St

sold · 0.10 mi
Price: $120,000
— bd / — ba · 2,396 sqft
Latest sale: $120,000 on Jan 20, 2023
Latest rent: —
Nearby house 12
Photo unavailable

424 Clinton St

sold · 0.10 mi
Price: $105,000
2 bd / 1 ba · 1,232 sqft
Latest sale: $105,000 on Oct 25, 2024
Latest rent: —
Nearby house 13
Photo unavailable

223 Center St

sold · 0.10 mi
Price: $125,000
— bd / — ba · 2,938 sqft
Latest sale: $125,000 on Jan 20, 2023
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Central air and a Generac generator are present and operational as stated in listing; HVAC and backup power function.
  • Kitchen and bathrooms are functional though not shown in provided photos; basic fixtures (toilet, sink, hot water) are assumed present.
  • Smoke detectors and carbon monoxide alarms are likely installed but not photographed — their presence and proper placement must be confirmed prior to inspection.
  • Electrical panel and service are intact (meter and service conduit visible outside) but interior panel condition and GFCI outlet locations are unknown.
  • No active roof leaks or major hidden water intrusion based on lack of interior water stains in the shown photos.
  • No history of severe mold, pests, or fire damage based on visible condition; presence of mounted game heads is cosmetic only.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $1,280 $119,070 $41,680
2023 $1,249 $99,970 $34,990
2022 $1,240 $99,970 $34,990
2021 $1,185 $83,210 $29,124
2020 $1,185 $83,210 $29,124
2018 $1,216 $79,970 $27,990
2017 $1,217 $79,970 $27,990
2016 $1,209 $80,020 $28,007
2015 $1,038 $67,780 $23,723
2014 $1,038 $67,780 $23,723
2013 $1,529 $67,780 $23,723
2012 $936 $60,770 $21,270
2011 $935 $60,770 $21,270
2010 $935 $60,770 $21,270
2009 $1,184 $81,400 $28,500
2008 $1,075 $81,400 $28,500
2007 $1,071 $81,400 $28,500

Sale History

DateEventPrice
2023-07-12 Sold $105,000

Photo Gallery

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            "assessment": {
              "land": 3395,
              "total": 23723,
              "building": 20328
            }
          },
          {
            "tax": 1529,
            "year": 2013,
            "market": {
              "land": 9700,
              "total": 67780,
              "building": 58080
            },
            "assessment": {
              "land": 3395,
              "total": 23723,
              "building": 20328
            }
          },
          {
            "tax": 936,
            "year": 2012,
            "market": {
              "land": 9700,
              "total": 60770,
              "building": 51070
            },
            "assessment": {
              "land": 3400,
              "total": 21270,
              "building": 17870
            }
          },
          {
            "tax": 935,
            "year": 2011,
            "market": {
              "land": 9700,
              "total": 60770,
              "building": 51070
            },
            "assessment": {
              "land": 3400,
              "total": 21270,
              "building": 17870
            }
          },
          {
            "tax": 935,
            "year": 2010,
            "market": {
              "land": 9700,
              "total": 60770,
              "building": 51070
            },
            "assessment": {
              "land": 3400,
              "total": 21270,
              "building": 17870
            }
          },
          {
            "tax": 1184,
            "year": 2009,
            "market": {
              "land": 8100,
              "total": 81400,
              "building": 73300
            },
            "assessment": {
              "land": 2840,
              "total": 28500,
              "building": 25660
            }
          },
          {
            "tax": 1075,
            "year": 2008,
            "market": {
              "land": 8100,
              "total": 81400,
              "building": 73300
            },
            "assessment": {
              "land": 2840,
              "total": 28500,
              "building": 25660
            }
          },
          {
            "tax": 1071,
            "year": 2007,
            "market": {
              "land": 8100,
              "total": 81400,
              "building": 73300
            },
            "assessment": {
              "land": 2840,
              "total": 28500,
              "building": 25660
            }
          }
        ],
        "property_history": [
          {
            "date": "2026-01-08",
            "price": 169900,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-25T00:15:34Z",
              "list_price": 169900,
              "listing_id": "2988975361",
              "last_update_date": "2026-02-23T17:59:28Z",
              "last_status_change_date": "2025-11-25T00:15:34Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 107.66793409378961,
            "source_name": "NWOhio",
            "price_change": -10000,
            "days_after_listed": null,
            "source_listing_id": "10001770",
            "price_change_percentage": null
          },
          {
            "date": "2025-11-25",
            "price": 179900,
            "listing": {
              "status": "for_sale",
              "list_date": "2025-11-25T00:15:34Z",
              "list_price": 169900,
              "listing_id": "2988975361",
              "last_update_date": "2026-02-23T17:59:28Z",
              "last_status_change_date": "2025-11-25T00:15:34Z"
            },
            "event_name": "Listed",
            "price_sqft": 114.00506970849176,
            "source_name": "NWOhio",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "10001770",
            "price_change_percentage": "+71.33%"
          },
          {
            "date": "2023-07-12",
            "price": 105000,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 66.53992395437263,
            "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": "3988452563",
  "generated_at": "2026-02-24T23:17:09.501014Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 74.9
  },
  "utility_allowance": {
    "zip_code": "45840",
    "home_photo": "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m461890755s-w1280.jpg",
    "rent_price": 1231.0,
    "loan_amount": 135920.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/213-Cherry-St_Findlay_OH_45840_M39884-52563",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 169900.0,
    "loan_term_years": 30,
    "annual_cash_flow": 11458.4,
    "mortgage_monthly": 904.28,
    "payment_standard": 1484.0,
    "total_amount_out": 33980.0,
    "additional_photos": [
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m4164829676s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m4079172472s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m1784834330s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m2578425517s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m101602215s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m3158358389s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m319084242s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m2638798323s-w1280.jpg",
      "https://ap.rdcpix.com/5e7c2dce5a28fc26dde741290a46514dl-m1893607553s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 43.17,
    "monthly_cash_flow": 954.87,
    "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 details specify 'Natural Gas' for heating. The allowance is based on the 'natural_gas' option for a 3-bedroom unit.",
        "utility": "Heating",
        "allowance": 75
      },
      {
        "note": "Property details specify an 'Electric Range' is included. The allowance is based on the 'electric' cooking option for a 3-bedroom unit.",
        "utility": "Cooking",
        "allowance": 13
      },
      {
        "note": "The property includes a water heater. Natural gas was chosen as it is the primary heating fuel for the home, making it the most likely and cost-effective option.",
        "utility": "Water Heating",
        "allowance": 33
      },
      {
        "note": "This is the standard allowance for general electricity (lights, outlets, etc.) in a 3-bedroom single-family home.",
        "utility": "Other Electric",
        "allowance": 39
      },
      {
        "note": "The property uses public water. This is the standard allowance for a 3-bedroom unit.",
        "utility": "Water",
        "allowance": 32
      },
      {
        "note": "The property is connected to a public sewer. This is the standard allowance for a 3-bedroom unit.",
        "utility": "Sewer",
        "allowance": 36
      },
      {
        "note": "This is a standard fixed allowance for trash collection in this jurisdiction.",
        "utility": "Trash Collection",
        "allowance": 25
      }
    ],
    "cash_on_cash_return": 0.34,
    "down_payment_amount": 33980.0,
    "property_tax_annual": 1318.4,
    "property_tax_monthly": 109.87,
    "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": 607.05,
    "property_management_monthly": 123.1,
    "monthly_cash_flow_after_debt": 50.59,
    "cash_on_cash_return_after_debt": 0.02
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 3-bed, 2-bath single-family home appears largely rent-ready with mostly cosmetic repairs and cleaning required. Exterior, porch and driveway are in good shape and there are no visible structural or life-safety failures in the photos. Main inspection risk items are lack of visible smoke/CO detectors, unverified GFCI protection, and unshown mechanicals (electrical panel, water heater, furnace). If detectors, GFCI outlets and basic mechanical services are present and functional, the property is likely to pass an initial Section 8 / HCV (NSPIRE) inspection after minor fixes (cleaning, outlet covers, securing visible wiring). Recommended pre-inspection: verify presence and operation of smoke/CO alarms, test HVAC and hot water, confirm electrical panel condition and GFCI protection, and document kitchen/bath fixtures and appliances.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 75.0,
            "rationale": "Exterior and interior photos show a well-maintained older home with cosmetic wear only. Porch, railings and concrete driveway are in good condition. Interior shows intact walls/trim, functioning doors and a solid stair; carpeting and finishes are worn and will need cleaning/refresh. No visible major water stains, collapsed ceilings, or missing structural elements. Kitchen and bathrooms are not shown; missing-appliance risk cannot be confirmed from photos but listing implies move-in ready. Overall visible issues are cosmetic/minor."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risks",
            "score": 70.0,
            "rationale": "No obvious life-safety hazards visible (no collapsed ceilings, no standing water, stairs have a handrail, porch has guardrail). However smoke detectors and CO alarms are not visible in the photos; GFCI locations (kitchen/bath) and electrical panel condition are not shown. Some visible low-voltage/TV wiring is exposed at the living room wall—could be resolved quickly. Windows appear typical double-hung and likely provide egress for upper bedrooms but bedroom windows not individually shown. Given the absence of clear safety-device photos, there is moderate inspection risk until detectors/GFCI/panel are confirmed."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems: HVAC, plumbing, electrical, roof",
            "score": 70.0,
            "rationale": "Listing states central air and a Generac generator which indicates HVAC and backup power are present. Roof shingles appear intact in photos with no visible sagging or active leak signs. Electrical service and meter are visible at the side of the house but the interior panel and condition are not shown. Water heater, furnace, and plumbing fixtures are not depicted. Without service records or mechanical-room photos, assume functional but unverifiable; therefore moderate score for unknown system ages and no visible failures."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, site and immediate hazards",
            "score": 85.0,
            "rationale": "Exterior siding, gutters and foundation stonework appear in sound condition; driveway and walkways are serviceable with only small surface cracks. The detached garage appears intact. Porch, steps and railings are present and look secure. No visible drainage pooling, standing water, nor evidence of infestation in the photos. Small areas of mortar/weathering at the foundation are cosmetic at present."
          }
        ],
        "red_flags": [],
        "confidence": 0.65,
        "assumptions": [
          "Central air and a Generac generator are present and operational as stated in listing; HVAC and backup power function.",
          "Kitchen and bathrooms are functional though not shown in provided photos; basic fixtures (toilet, sink, hot water) are assumed present.",
          "Smoke detectors and carbon monoxide alarms are likely installed but not photographed — their presence and proper placement must be confirmed prior to inspection.",
          "Electrical panel and service are intact (meter and service conduit visible outside) but interior panel condition and GFCI outlet locations are unknown.",
          "No active roof leaks or major hidden water intrusion based on lack of interior water stains in the shown photos.",
          "No history of severe mold, pests, or fire damage based on visible condition; presence of mounted game heads is cosmetic only."
        ],
        "overall_score": 74.0,
        "rubric_version": "ns_pgh_v1.0"
      },
      {
        "summary": "This 3BR/2BA single-family home appears largely move-in ready and would likely pass an initial HCV/NSPIRE inspection after limited, straightforward fixes. Exterior, porch, driveway and general interior condition are good. Primary inspection risks are documentation and verification items not shown in photos: presence and operation of smoke/CO detectors, GFCI protection in kitchen/baths, operational furnace/AC/water heater, and appliance availability. Addressing those items (install/verify detectors, test HVAC and water heater, confirm or provide kitchen appliances, confirm GFCI and electrical panel compliance) should put the property into the 1–2 week rent-ready range.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 75.0,
            "rationale": "Exterior and interior photos show a well-maintained home with intact siding, painted trim, solid porch and railings, concrete driveway, and a detached garage. Interior finishes show normal wear: carpeted floors (some soiling/wear), painted walls and trim, and stair treads that are worn but intact. No collapsed ceilings, large holes, or visible water stains. Missing/incomplete kitchen photos means appliance condition is unknown; absence of stove/fridge in photos reduces turnkey rating moderately. Overall mostly cosmetic and minor maintenance items expected."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 70.0,
            "rationale": "No obvious life‑threatening hazards visible: porch and stair handrails present, guardrail appears complete, windows present for egress in front elevations. No visible exposed electrical conductors or damaged electrical components outside. However key NSPIRE items are not documented in photos: smoke detectors and CO alarms are not visible, GFCI outlets in kitchen/baths not shown, and no electrical panel photo. Built in 1900 – potential lead paint risk exists (no peeling paint observed). The lack of visible detectors and undocumented GFCI/electrical details creates a moderate compliance risk that should be remedied before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 70.0,
            "rationale": "Listing states central air and a Generac generator; exterior photos show a typical shingled roof in serviceable condition with no visible sagging or active leak indicators. No photos of furnace/AC equipment, water heater or electrical panel were provided, so functionality must be verified. Roof shingles appear aged but intact. Because systems are claimed but not documented, assume operational but require verification (service records/manufacturer tags) prior to voucher move‑in."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site",
            "score": 85.0,
            "rationale": "Front and side elevations show sound vinyl siding, intact gutters/downspouts, concrete driveway, wraparound porch with railings, and a detached garage. Walkways and driveway are in good condition with no standing water visible. Landscaping is tidy, and foundation stone looks generally intact with only minor cosmetic gaps apparent. Overall low site risk and good curb appeal."
          }
        ],
        "red_flags": [
          "No visible smoke or carbon monoxide detectors in interior photos (NSPIRE requirement).",
          "No photos or documentation of heating equipment, water heater, or electrical panel — inability to verify operational status is an inspection risk.",
          "Pre-1978 construction (built 1900) — potential lead-based paint hazard requires disclosure and possible remediation if deteriorated paint is present.",
          "No kitchen or bathroom images provided to confirm GFCI protection, appliance condition, or plumbing fixture operation."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central air and Generac generator exist and are functional as stated in the listing; no system photos were provided.",
          "Heating equipment (furnace) and water heater are present and operational though not shown in photos.",
          "Kitchen appliances (stove/fridge) status is unknown; assume they may be present but need verification — missing appliances would be an easy-to-fix item.",
          "Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or need replacement/relocation to meet NSPIRE spacing requirements.",
          "No active roof leaks, major foundation movement, or severe mold are present because none are visible in provided photos; hidden issues cannot be ruled out without interior mechanical/basement photos and a physical inspection.",
          "Windows in bedrooms provide code egress (based on window size and typical layout) but bedroom-level egress was not directly verified.",
          "No visible peeling paint or loose lead-risk surfaces were observed, but because the home was built in 1900, lead hazard disclosure and potential remediation requirements apply unless proven otherwise."
        ],
        "overall_score": 74.0,
        "rubric_version": "2026-02-24_v1"
      },
      {
        "summary": "Overall this property appears largely turn‑key for a HCV/Section 8 initial inspection with mostly minor, cosmetic repairs needed. Exterior envelope, porch, driveway and garage look serviceable. Central HVAC and a generator are listed (positive for mechanical readiness). Primary inspection risks are unverified items not visible in listing photos: presence and placement of smoke/CO detectors, GFCI protection, condition of electrical panel, hot water and furnace, and kitchen/bath fixtures/appliances. If those items are present and functional, the property should pass an initial NSPIRE inspection after minor touchups (detectors, outlet covers, carpet cleaning).",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Exterior and interior photos show a well-maintained home with cosmetic wear only: carpet wear/stains, some patched flooring/threshold, minor trim scuffs. Porch and railings look intact. No visible collapsed surfaces or major water stains. Listing notes move-in-ready. Missing interior photos for kitchen/bath so appliance condition is unknown — missing appliances would be a moderate deduction but are not visible. Overall repair needs appear minor and cosmetic."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 70.0,
            "rationale": "No obvious life‑threatening hazards visible: stairs have a handrail on the right, porch has guardrail, no collapsed ceilings or standing water seen. Bedrooms/windows appear full‑size and likely provide egress. However, critical items are not shown in photos: smoke detectors and CO alarms are not visible, GFCI outlets in kitchen/baths are unconfirmed, electrical panel and condition of outlets/wiring are not shown. Because these are unknown but there are no visible safety failures, score is moderate with conditional fixes likely required if detectors/GFCI are missing."
          },
          {
            "key": "systems_mechanical",
            "label": "Mechanical Systems (HVAC, Plumbing, Electrical, Roof)",
            "score": 75.0,
            "rationale": "Listing states central air and a Generac generator — positive indicators that HVAC/electrical backup exist. Roof shingles visible appear intact with no obvious sagging or active leaks. Floor vents visible indicate central heating. Water heater, furnace/boiler, and main electrical panel are not pictured so their condition is assumed serviceable based on listing but unverified. Given the age of the home (1900) there is elevated risk of older components, but no signs of imminent failure are visible."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Curb appeal is good: vinyl siding in good condition, gutters present, stone foundation looks sound from photos, driveway and walkways are intact with only minor cracking. Detached garage appears functional. Yard is maintained and there is no visible standing water, major drainage issue, or infestation evidence. Porch steps and railings are present and appear secure."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC and a backup Generac generator are present and functional as described in the listing (vents visible inside support this).",
          "No visible active roof leaks or structural sagging from exterior photos; roof condition beyond visible shingles is not inspected.",
          "Smoke detectors, carbon monoxide alarms, GFCI outlets, and the electrical panel are not visible in photos and are assumed unknown; their absence would lower the safety score significantly.",
          "Kitchen and bathrooms were not photographed; appliance and plumbing fixture condition is assumed reasonable based on the 'move-in-ready' listing description but is unverified.",
          "Windows shown on upper floors are assumed to meet bedroom egress requirements (full-size double-hung style visible).",
          "No evidence of severe lead-risk paint, mold, or pest infestation was visible in photos; absence of photos of certain areas (basement, attic) means these cannot be ruled out.",
          "Foundation appears stable from photos (stone foundation visible) — no large cracks or movement observed."
        ],
        "overall_score": 76.0,
        "rubric_version": "2026-02-hcv-nspire-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "213 Cherry St, Findlay, OH, 45840",
    "aggregate": {
      "summary": "This 3-bed, 2-bath single-family home appears largely rent-ready with mostly cosmetic repairs and cleaning required. Exterior, porch and driveway are in good shape and there are no visible structural or life-safety failures in the photos. Main inspection risk items are lack of visible smoke/CO detectors, unverified GFCI protection, and unshown mechanicals (electrical panel, water heater, furnace). If detectors, GFCI outlets and basic mechanical services are present and functional, the property is likely to pass an initial Section 8 / HCV (NSPIRE) inspection after minor fixes (cleaning, outlet covers, securing visible wiring). Recommended pre-inspection: verify presence and operation of smoke/CO alarms, test HVAC and hot water, confirm electrical panel condition and GFCI protection, and document kitchen/bath fixtures and appliances.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Visible condition and repair needs",
          "score": 76.0,
          "rationale": "Exterior and interior photos show a well-maintained older home with cosmetic wear only. Porch, railings and concrete driveway are in good condition. Interior shows intact walls/trim, functioning doors and a solid stair; carpeting and finishes are worn and will need cleaning/refresh. No visible major water stains, collapsed ceilings, or missing structural elements. Kitchen and bathrooms are not shown; missing-appliance risk cannot be confirmed from photos but listing implies move-in ready. Overall visible issues are cosmetic/minor."
        },
        {
          "key": "exterior_site",
          "label": "Exterior envelope, site and immediate hazards",
          "score": 85.0,
          "rationale": "Exterior siding, gutters and foundation stonework appear in sound condition; driveway and walkways are serviceable with only small surface cracks. The detached garage appears intact. Porch, steps and railings are present and look secure. No visible drainage pooling, standing water, nor evidence of infestation in the photos. Small areas of mortar/weathering at the foundation are cosmetic at present."
        },
        {
          "key": "safety_code",
          "label": "Section 8 / NSPIRE safety & code risks",
          "score": 70.0,
          "rationale": "No obvious life-safety hazards visible (no collapsed ceilings, no standing water, stairs have a handrail, porch has guardrail). However smoke detectors and CO alarms are not visible in the photos; GFCI locations (kitchen/bath) and electrical panel condition are not shown. Some visible low-voltage/TV wiring is exposed at the living room wall—could be resolved quickly. Windows appear typical double-hung and likely provide egress for upper bedrooms but bedroom windows not individually shown. Given the absence of clear safety-device photos, there is moderate inspection risk until detectors/GFCI/panel are confirmed."
        },
        {
          "key": "systems_mechanical",
          "label": "Major systems: HVAC, plumbing, electrical, roof",
          "score": 71.7,
          "rationale": "Listing states central air and a Generac generator which indicates HVAC and backup power are present. Roof shingles appear intact in photos with no visible sagging or active leak signs. Electrical service and meter are visible at the side of the house but the interior panel and condition are not shown. Water heater, furnace, and plumbing fixtures are not depicted. Without service records or mechanical-room photos, assume functional but unverifiable; therefore moderate score for unknown system ages and no visible failures."
        }
      ],
      "red_flags": [],
      "confidence": 0.95,
      "assumptions": [
        "Central air and a Generac generator are present and operational as stated in listing; HVAC and backup power function.",
        "Kitchen and bathrooms are functional though not shown in provided photos; basic fixtures (toilet, sink, hot water) are assumed present.",
        "Smoke detectors and carbon monoxide alarms are likely installed but not photographed — their presence and proper placement must be confirmed prior to inspection.",
        "Electrical panel and service are intact (meter and service conduit visible outside) but interior panel condition and GFCI outlet locations are unknown.",
        "No active roof leaks or major hidden water intrusion based on lack of interior water stains in the shown photos.",
        "No history of severe mold, pests, or fire damage based on visible condition; presence of mounted game heads is cosmetic only."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 74.9,
      "rubric_version": "ns_pgh_v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "3988452563"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.