Property ID: 4104200581
241 Stanley Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $37,200
CoC Return: 4.10%
Monthly Cash Flow: $127
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$31,000
Closing Costs
$6,200
Total Down
$37,200
Investment Snapshot
Purchase Price
$155,000
Money Down
$37,200
Cash-on-Cash Return
4.10%
Rent
$1,223
Monthly Cash Flow
$127
Annual Cash Flow
$1,525
Debt Service / Mo
$825
Property Tax / Mo
$110
Insurance / Mo
$39
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,223
Payment Standard
$1,484
Rent
$1,223
Insurance
$39
Property Tax
$110
Management
$122
Utilities Allowance
$261
NOI (Monthly)
$952
Debt Service
$825
Cash Flow After Debt
$127
Quality Score: 79.40%
Confidence: 94.00%
Overall this brick ranch appears well-updated and mostly turn-key for a Housing Choice Voucher inspection. Interior updates (2016) including flooring, kitchen and bath plus visible smoke detectors and functioning fixtures indicate a high likelihood of passing an initial NSPIRE/HCV inspection after minor items are verified or corrected (CO alarm if required, GFCI outlets if missing, and minor exterior maintenance). Unknowns remain around the electrical panel, water heater, roof condition under debris, and GFCI/CO placement; these should be checked before inspection to ensure a first-pass pass.
Section 8 Payment Standard
$1,484
Utility Allowance Total
$261
Guaranteed Section 8 Rent (PS - Utilities)
$1,223
Property Management
$122
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$155,000
Beds
3
Baths
1
Living Area
936 sqft
Lot Size
6,534 sqft
Year Built
1967
Days on Market
90
Capital Outlay
$37,200
Debt Service
$825
Property Tax / Mo
$110
Insurance / Mo
$39
Property Description
Adorable brick ranch home situated at the end of the road. Great outdoor space with fenced rear yard and deck to enjoy summer evenings on. Nicely updated in 2016 with new kitchen and bath. Flooring, appliances and central air were also updated. Seller replaced refrigerator with a larger refrigerator in 2018. Nice open kitchen with eat-in area. This home has great space inside and out for anyone to enjoy! Perfect first home or downsize! Don't miss this one as it won't last long!
Utility Allowances
Heating (Natural Gas)
$75
Property info explicitly lists 'Natural Gas' for 'Heating Features'.
Air Conditioning
$0
Property has 'Central Air', but the utility schedule does not provide a monetary allowance for it, resulting in a $0 value.
Cooking (Electric)
$13
Property info lists 'Electric Oven' under appliances. The 'electric' option was selected from the schedule.
Water Heating (Natural Gas)
$33
The property has natural gas heating, making a natural gas water heater the most likely and cost-effective option.
Water
$32
Property info specifies 'Water Source: Public' and 'Water Connected'.
Sewer
$36
Property info specifies 'Sewer: Sanitary Sewer' and 'Sewer Connected'.
Trash Collection
$25
Included as a standard tenant-paid utility for single-family homes.
Other Electric
$39
A standard fixed allowance for general electricity usage (lights, outlets) not covered by other specific line items.
Range
$8
The schedule includes a separate fixed allowance for the electrical components of a range/oven, which is assumed to be a tenant expense.
Refrigerator
$0
Property data indicates a refrigerator is provided by the landlord, so no allowance is given for a tenant-owned 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$453
DP3 Annual Estimate$473
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$39
Replacement Value$78,760
Basis936 sqft / 1967
Nearby Houses
Photo unavailable
237 Stanley Ave
sold · 0.01 mi
Price: $55,000
2 bd / 1 ba · 800 sqft
Latest sale: $55,000 on Jul 25, 2018
Latest rent: —
Photo unavailable
227 Stanely Ave
sold · 0.03 mi
Price: $199,900
3 bd / 2 ba · 1,414 sqft
Latest sale: $199,900 on Sep 05, 2025
Latest rent: —
Photo unavailable
226 Ely Ave
sold · 0.04 mi
Price: $64,900
2 bd / 1 ba · 712 sqft
Latest sale: $64,900 on Jan 06, 2021
Latest rent: —
Photo unavailable
224 Ely Ave
sold · 0.05 mi
Price: $8,200
1 bd / 1 ba · 460 sqft
Latest sale: $8,200 on Aug 10, 2018
Latest rent: —
Photo unavailable
231 Tioga Ave
sold · 0.07 mi
Price: $139,900
2 bd / 1 ba · 888 sqft
Latest sale: $139,900 on Dec 03, 2025
Latest rent: —
Photo unavailable
216 Ely Ave
sold · 0.07 mi
Price: $125,000
— bd / — ba · 1,858 sqft
Latest sale: $125,000 on Sep 17, 2021
Latest rent: $700 on Sep 05, 2020
Photo unavailable
238 Santee Ave
sold · 0.09 mi
Price: $155,000
3 bd / 2 ba · 1,222 sqft
Latest sale: $155,000 on Dec 13, 2024
Latest rent: —
Photo unavailable
228 Santee Ave
sold · 0.09 mi
Price: $112,000
2 bd / 1 ba · 1,560 sqft
Latest sale: $112,000 on Mar 19, 2020
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Kitchen appliances (stove/oven, refrigerator) and basic kitchen GFCI presence are present and functional as the listing states appliances updated; kitchen interior not photographed.
- Central HVAC is operational (listing notes central air installed/updated 2016) and provides heating during inspection; fuel type (gas/electric) not shown.
- Hot water and plumbing are working; bathroom fixtures appear serviceable in photos.
- Smoke detectors shown are operational; carbon monoxide alarm presence is unknown and may be required depending on fuel sources.
- No significant unseen structural issues (foundation movement, major roof leaks, or basement flooding) are present — inference based on clean interior ceilings and lack of visible stains.
- Rear yard fence and deck exist as stated in listing though not shown in available photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,282 | $119,350 | $41,770 |
| 2023 | $1,113 | $89,060 | $31,180 |
| 2022 | $1,105 | $89,060 | $31,180 |
| 2021 | $1,002 | $70,350 | $24,623 |
| 2020 | $1,001 | $70,350 | $24,623 |
| 2018 | $981 | $64,560 | $22,597 |
| 2017 | $982 | $64,560 | $22,597 |
| 2016 | $978 | $64,560 | $22,597 |
| 2015 | $921 | $58,560 | $20,497 |
| 2014 | $1,302 | $82,760 | $28,967 |
| 2013 | $1,266 | $82,760 | $28,967 |
| 2012 | $1,208 | $78,500 | $27,470 |
| 2011 | $1,207 | $78,500 | $27,470 |
| 2010 | $1,207 | $78,500 | $27,470 |
| 2009 | $1,376 | $94,680 | $33,140 |
| 2008 | $1,249 | $94,680 | $33,140 |
| 2007 | $1,245 | $94,680 | $33,140 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-06-30 | Sold | $113,000 |
| 2016-06-30 | Sold | $75,000 |
| 2015-10-05 | Sold | $26,000 |
| 2004-05-12 | Sold | $78,000 |
| 1995-11-07 | Sold | $56,900 |
Photo Gallery
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"Hot water and plumbing are working; bathroom fixtures appear serviceable in photos.",
"Smoke detectors shown are operational; carbon monoxide alarm presence is unknown and may be required depending on fuel sources.",
"No significant unseen structural issues (foundation movement, major roof leaks, or basement flooding) are present — inference based on clean interior ceilings and lack of visible stains.",
"Rear yard fence and deck exist as stated in listing though not shown in available photos."
],
"overall_score": 78.0,
"rubric_version": "nsprite-v1.0-2026"
},
{
"summary": "Overall the property appears to be near rent-ready for a Housing Choice Voucher inspection. Interior renovations (floors, paint, bath, updated kitchen per listing) and visible safety items (smoke detectors) support a high readiness score. Key systems (central AC, appliances) are reported updated and vents/thermostat are present. Remaining verification items likely required at initial inspection: confirm presence/operation of CO alarm (if required locally), confirm GFCI protection in bathroom/kitchen, verify deadbolt on entry, confirm hot water and heating operation, and check roof condition. None of the photos show major structural, electrical, or life-safety failures that would create an immediate fail based on NSPIRE standards, so with routine verification this property has a strong chance to pass an initial HCV inspection after minimal follow-up.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic updates (vinyl plank flooring, fresh paint, updated bathroom vanity, intact trim). Listing states kitchen and appliances updated in 2016 and refrigerator replaced in 2018; no visible major cosmetic damage, no collapsed or missing finishes. Minor exterior sidewalk crack and some roof edge staining/algae visible from front photo but these are cosmetic/low-cost. Missing appliances are not evident from photos and listing text implies appliances present. Overall appears turnkey interior-wise with only minor finish work possible."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 80.0,
"rationale": "Visible smoke detectors in hallway and bedroom which addresses a primary NSPIRE safety requirement. Bedrooms have windows that appear adequate for egress. No exposed wiring or obvious electrical hazards visible in photos; outlets and switch plates present. Entry door appears intact and has a lock (deadbolt presence not clearly visible). No visible standing water, active leaks, collapsed ceilings, or severe mold. Unknowns: carbon monoxide alarm presence not shown, GFCI protection at bathroom vanity/outlets not clearly visible, electrical panel not shown. Based on visible condition and recent remodel, likely low risk but some required items (CO alarm/GFCI verification, deadbolt confirmation) should be confirmed on inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 80.0,
"rationale": "Listing states central air and appliances were updated in 2016 and refrigerator replaced 2018; photos show ceiling vents and thermostat which supports presence of HVAC. No signs of active water intrusion, major plumbing leaks, or damaged ceilings. Water heater and electrical panel were not photographed; condition inferred as likely functional given recent updates and good interior condition. Roof shows some edge staining/darkening which may indicate age/algae but no visible sagging or missing large sections. Recommend verifying functionality of heating, cooling, hot water, and age/condition of roof/electrical panel prior to lease."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior appears sound with a fenced rear yard and deck noted in listing (deck not pictured). Front walkway has a hairline crack and the roof shows dark staining/algae at eaves; gutters appear present but condition cannot be fully verified. Yard is modest and level; no obvious foundation displacement or major drainage pooling visible from provided front image. Landscaping is basic; curbwalk access is OK. Exterior condition is generally acceptable but roof edge staining and minor sidewalk repair are items to address."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Kitchen appliances (range, refrigerator, likely dishwasher) are present and functional per listing text (kitchen updated in 2016; fridge replaced 2018) though not all appliance photos were provided.",
"Central air/heating system is functional as listed (updated in 2016) and ceiling vents/thermostat photos correspond to a working forced-air system.",
"Smoke detectors shown are operational and correctly hardwired/battery-backed as required; CO alarm presence is unknown and not visible in photos.",
"No active roof leaks or major hidden water intrusion exist despite some roof edge staining visible from the front exterior photo.",
"Electrical panel exists and is intact but was not photographed; no visible exposed wiring or obvious electrical hazards inside living areas.",
"Basement/attic conditions, plumbing risers, and water heater condition were not shown and are assumed typical for a maintained home; these should be verified at inspection."
],
"overall_score": 81.0,
"rubric_version": "ns-pg-2026-1"
},
{
"summary": "This 3-bed, 1-bath brick ranch appears largely updated and in good move-in condition with recent interior renovations, new flooring, functioning fixtures and central air. Most issues visible are cosmetic or minor (walkway crack, roof staining along eaves, landscaping near foundation). For an initial Housing Choice Voucher/NSPIRE inspection this property is likely to pass with minimal corrective items, but a few verification items will probably be requested: ensure a properly placed working carbon monoxide alarm (if required by local code), confirm GFCI protection for bathroom/kitchen outlets or protection at the breaker, verify an approved deadbolt on entry door, and provide documentation that the main systems (electrical panel, furnace, water heater, roof condition) are safe/operational. Addressing those items (if needed) should make the unit rent-ready within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated (2016 kitchen/bath, updated flooring, fresh paint). Flooring and fixtures look in good condition; bathroom vanity and toilet appear serviceable. Exterior brick is intact. Minor exterior deferred maintenance visible (roof staining/moss along eaves, small crack in front walkway). Listing states appliances and central air were updated and refrigerator replaced in 2018, so missing-appliance risk is low. Overall mostly cosmetic/minor items."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 75.0,
"rationale": "Smoke detector(s) visible in hallway and at least one bedroom. No exposed wiring, ceilings and walls show no visible stains or sagging. Entry door appears solid; a keyed deadbolt is not clearly visible in photos (likely present). Bedroom windows are visible and likely provide egress (single-story ranch). No visible mold or active water intrusion. Uncertainties: no visible carbon monoxide alarm in photos (may be required if there are fuel-burning appliances), and bathroom outlet GFCl protection is not clearly shown. Electrical panel and water heater not pictured so their condition is unknown. These unknowns reduce the safety score moderately."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Listing notes central air was updated (vents visible in photos). HVAC supply/return registers present. No interior signs of roof or plumbing leaks; ceilings appear sound. Major mechanical elements (furnace, water heater, electrical panel) are not shown; their condition is assumed functional given recent renovations but remain unverified. Roof shows discoloration/moss along eaves which suggests aging shingles but no visible active leaks inside. Moderate risk due to unseen systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick exterior and foundation appear intact from photos. Front concrete walk has a minor crack and there is some vegetation near the left foundation line which should be cleared to reduce moisture risk. Listing mentions fenced rear yard and deck (not shown in provided photos) which is positive for tenant use. No standing water or visible severe exterior deterioration observed."
}
],
"red_flags": [
"No visible carbon monoxide alarm in provided photos (may be required if fuel-burning appliances are present).",
"Roof shows staining/moss at eaves — indicates aging/maintenance needed and should be inspected for shingle condition and flashing integrity.",
"GFCI protection for bathroom/kitchen outlets not visibly confirmed in photos."
],
"confidence": 0.75,
"assumptions": [
"Central HVAC (heating and cooling) is present and operational as listing states 'central air' was updated; furnace and water heater exist inside or in utility area though not pictured.",
"Appliances (stove, refrigerator) are present and functional per listing; no evidence in provided photos of missing major appliances.",
"Bedrooms' windows meet egress size requirements for ground-floor rooms (windows visible appear to be standard double-hung units).",
"Smoke detectors shown are functional and hardwired or with fresh batteries; carbon monoxide detectors were not visible and may be absent or not pictured.",
"Electrical panel and water heater are present but not photographed; assumed serviceable given recent updates but unverified.",
"Rear yard fence and deck referenced in listing exist though not shown in the provided photos."
],
"overall_score": 79.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "241 Stanley Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall this brick ranch appears well-updated and mostly turn-key for a Housing Choice Voucher inspection. Interior updates (2016) including flooring, kitchen and bath plus visible smoke detectors and functioning fixtures indicate a high likelihood of passing an initial NSPIRE/HCV inspection after minor items are verified or corrected (CO alarm if required, GFCI outlets if missing, and minor exterior maintenance). Unknowns remain around the electrical panel, water heater, roof condition under debris, and GFCI/CO placement; these should be checked before inspection to ensure a first-pass pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 83.3,
"rationale": "Interior photos and listing describe a 2016 update (kitchen, bath, flooring) and images show new-looking vinyl plank floors, painted walls, replaced vanity and tile in bathroom. No major cosmetic damage visible. Exterior brick is intact. Minor exterior items observed: sidewalk joint separation at front walk, roof surface staining/soiling at eaves, and typical cosmetic wear. Missing or damaged small items (trim touch-up, possible light cover/can-light patch in ceiling) are easy repairs. Missing appliances are not an issue here per listing (appliances updated, refrigerator replaced 2018). Overall mostly cosmetic/minor."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior appears sound, yard is maintained and listing notes a fenced rear yard and deck (not shown in photos). Walkway has minor cracking at joint; front stoop is small but serviceable. Trees close to the roof present (leaf/debris risk). Gutters/downspouts are not clearly visible; grading/drainage away from foundation cannot be fully confirmed. No obvious exterior structural issues, but incomplete exterior documentation lowers score."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 80.0,
"rationale": "Smoke detector visible in hallway and at least one bedroom detector visible — good indicator of basic life-safety devices. Front entry door appears to have a deadbolt. No exposed wiring, no visible mold, no collapsed ceilings, and no visible major water stains. Bedroom windows are present (egress appears likely but window dimensions not measured). Items not verifiable from photos: presence of carbon monoxide alarm, GFCI protection at kitchen/bath outlets, electrical panel condition, and operation of plumbing/hot water. No active hazards observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 76.7,
"rationale": "Listing states central air updated in 2016 and photos show ceiling vents and a thermostat, indicating forced-air HVAC is present. Bathroom plumbing fixtures and sink/vanity look functional and in good condition. Roof appears serviceable from photos (no sagging or missing large areas) but shows dark staining near eaves and has tree overhang which could accelerate wear — roof age not provided. Water heater, electrical panel, sewer/drain condition and furnace fuel/source were not photographed; these are common inspection items and unknowns reduce score. No visible evidence of system failures inside."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Kitchen appliances (stove/oven, refrigerator) and basic kitchen GFCI presence are present and functional as the listing states appliances updated; kitchen interior not photographed.",
"Central HVAC is operational (listing notes central air installed/updated 2016) and provides heating during inspection; fuel type (gas/electric) not shown.",
"Hot water and plumbing are working; bathroom fixtures appear serviceable in photos.",
"Smoke detectors shown are operational; carbon monoxide alarm presence is unknown and may be required depending on fuel sources.",
"No significant unseen structural issues (foundation movement, major roof leaks, or basement flooding) are present — inference based on clean interior ceilings and lack of visible stains.",
"Rear yard fence and deck exist as stated in listing though not shown in available photos."
],
"score_method": "mean_of_criteria",
"overall_score": 79.4,
"rubric_version": "nsprite-v1.0-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4104200581"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.