Property ID: 4166870616
21485 Elevator St, Kenton, OH, 43326
Kenton, OH
Money Down: $23,520
CoC Return: 4.57%
Monthly Cash Flow: $90
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$19,600
Closing Costs
$3,920
Total Down
$23,520
Investment Snapshot
Purchase Price
$98,000
Money Down
$23,520
Cash-on-Cash Return
4.57%
Rent
$764
Monthly Cash Flow
$90
Annual Cash Flow
$1,075
Debt Service / Mo
$522
Property Tax / Mo
$44
Insurance / Mo
$32
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$764
Payment Standard
$973
Rent
$764
Insurance
$32
Property Tax
$44
Management
$76
Utilities Allowance
$209
NOI (Monthly)
$611
Debt Service
$522
Cash Flow After Debt
$90
Quality Score: 67.60%
Confidence: 90.00%
This property appears largely renovated and close to Section 8/NSPIRE-ready with several minor-to-moderate items to correct. Major positive points: remodeled kitchen, included appliances, updated water heater, replacement windows, new flooring and visible electrical panel. Primary inspection risks that could cause a fail: missing smoke/CO alarms, missing stair handrail, at least one open outlet/switch cover (exposed wiring), and lack of documented GFCI protection at kitchen counters. Correcting these safety items plus finishing trim/carpentry and addressing the small water evidence would likely move the unit to rent-ready within 1–4 weeks.
Section 8 Payment Standard
$973
Utility Allowance Total
$209
Guaranteed Section 8 Rent (PS - Utilities)
$764
Property Management
$76
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$98,000
Beds
2
Baths
1
Living Area
1,354 sqft
Lot Size
—
Year Built
1910
Days on Market
112
Capital Outlay
$23,520
Debt Service
$522
Property Tax / Mo
$44
Insurance / Mo
$32
Property Description
Affordable, Move-In Ready Home in Hepburn - Only $98, 000! Welcome to one of the most affordable, financeable homes in the Hepburn area! This newly remodeled 2-bedroom home offers 1, 354 sq ft of comfortable living on a nice corner lot, perfect for buyers looking for value without sacrificing updates or space. Inside, you'll find main-level laundry, appliances included, and thoughtful improvements throughout. The home features vinyl replacement windows, an updated water heater, and was fully insulated by USA Insulation with blown insulation, helping improve comfort and energy efficiency year-round. Outside, enjoy the convenience of a 2-car detached garage and the added privacy and curb appeal of a corner lot. Highlights include: 2 Bedrooms | 1, 354 Sq Ft Newly remodeled interior Appliances included Main-level laundry Updated water heater Vinyl windows Whole-home blown insulation by USA Insulation 2-car detached garage Corner lot This is an excellent opportunity for first-time buyers. Affordable, updated, and ready to goschedule your showing today!
Utility Allowances
heating
$67
Property has electric baseboard heating. The allowance is based on the 'electric' option for a 2-bedroom unit.
cooking
$19
An oven is provided, but the fuel type is not specified. Following the rule to select the most expensive option when unclear, 'Bottled Gas' was chosen for a 2-bedroom unit.
water_heating
$50
The water heater fuel type is not specified. Following the rule to select the most expensive option when unclear, 'Bottled Gas' was chosen for a 2-bedroom unit.
other_electric
$32
This covers general electricity usage for lights and tenant-owned appliances, based on the rate for a 2-bedroom unit.
air_conditioning
$0
The utility schedule has no allowance for air conditioning for this unit type and size.
water
$0
Property uses a private well for water, so no public water utility cost is incurred.
sewer
$0
Property uses a septic tank, so no public sewer utility cost is incurred.
trash_collection
$25
This is a standard utility for a single-family home a tenant would typically pay. The allowance is based on the fixed rate from the schedule.
refrigerator
$8
The property information does not explicitly state a refrigerator is provided, so it is treated as a tenant-owned appliance.
range
$8
The property information does not explicitly state a microwave is provided, so the allowance for a tenant-supplied range/microwave is included.
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$307
DP3 Annual Estimate$460
DP1 Monthly Equivalent$26
DP3 Monthly Equivalent$38
Replacement Value$30,660
Basis1,354 sqft / 1910
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Missing/No visible smoke detectors or carbon monoxide alarms (NSPIRE failure risk).
- No handrail on interior stairs (safety/code fail potential).
- Exposed outlet/switch (missing cover) near bedroom door — electrical hazard.
- Possible water leak or standing water at kitchen floor near sink/washer (moisture/mold risk if not fixed).
- No visible GFCI protection at kitchen counter outlets (code requirement in many jurisdictions).
Assumptions
- No smoke detectors or CO alarms were installed because none are visible in the photos; assume none present unless provided documentation.
- The heating system is electric baseboard (seen in bedroom); assume there is no central forced-air system unless otherwise disclosed.
- Water heater is updated as the listing states and is functional, though age and exact location not photographed.
- Kitchen receptacle near sink is not GFCI-protected because no GFCI device is visible in photos.
- Windows are replacement vinyl and likely operable; egress compliance is assumed but not measured — could require confirmation for second-floor bedroom egress size.
- The wet mark on the kitchen floor is evidence of a small leak or spill; assume it indicates a minor plumbing connection/drain issue that should be investigated.
- Electrical panel pictured is assumed to be functional with a cover and accessible, but no internal inspection was performed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $518 | $32,030 | $11,210 |
| 2024 | $525 | $32,030 | $11,210 |
| 2023 | $493 | $32,030 | $11,210 |
| 2022 | $642 | $37,830 | $13,240 |
| 2021 | $646 | $37,830 | $13,240 |
| 2020 | $565 | $37,830 | $13,240 |
| 2019 | $507 | $35,260 | $12,340 |
| 2018 | $507 | $35,260 | $12,340 |
| 2017 | $499 | $35,260 | $12,340 |
| 2016 | $266 | $19,120 | $6,690 |
| 2015 | $246 | $19,120 | $6,690 |
| 2014 | $245 | $19,120 | $6,690 |
| 2013 | $264 | $19,430 | $6,800 |
| 2012 | $264 | $19,430 | $6,800 |
| 2011 | $265 | $19,430 | $6,800 |
| 2009 | $357 | $29,060 | $10,170 |
| 2008 | $347 | $29,060 | $10,170 |
| 2006 | $337 | $27,650 | $9,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-02-07 | Sold | $32,000 |
| 2015-12-22 | Sold | $37,000 |
| 2013-08-15 | Sold | $37,000 |
| 2009-09-24 | Sold | $9,000 |
Photo Gallery
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"note": "Property has electric baseboard heating. The allowance is based on the 'electric' option for a 2-bedroom unit.",
"utility": "heating",
"allowance": 67
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{
"note": "An oven is provided, but the fuel type is not specified. Following the rule to select the most expensive option when unclear, 'Bottled Gas' was chosen for a 2-bedroom unit.",
"utility": "cooking",
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{
"note": "The water heater fuel type is not specified. Following the rule to select the most expensive option when unclear, 'Bottled Gas' was chosen for a 2-bedroom unit.",
"utility": "water_heating",
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{
"note": "This covers general electricity usage for lights and tenant-owned appliances, based on the rate for a 2-bedroom unit.",
"utility": "other_electric",
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{
"note": "The utility schedule has no allowance for air conditioning for this unit type and size.",
"utility": "air_conditioning",
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{
"note": "Property uses a private well for water, so no public water utility cost is incurred.",
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{
"note": "Property uses a septic tank, so no public sewer utility cost is incurred.",
"utility": "sewer",
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{
"note": "This is a standard utility for a single-family home a tenant would typically pay. The allowance is based on the fixed rate from the schedule.",
"utility": "trash_collection",
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{
"note": "The property information does not explicitly state a refrigerator is provided, so it is treated as a tenant-owned appliance.",
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{
"note": "The property information does not explicitly state a microwave is provided, so the allowance for a tenant-supplied range/microwave is included.",
"utility": "range",
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{
"summary": "This property appears largely renovated and close to Section 8/NSPIRE-ready with several minor-to-moderate items to correct. Major positive points: remodeled kitchen, included appliances, updated water heater, replacement windows, new flooring and visible electrical panel. Primary inspection risks that could cause a fail: missing smoke/CO alarms, missing stair handrail, at least one open outlet/switch cover (exposed wiring), and lack of documented GFCI protection at kitchen counters. Correcting these safety items plus finishing trim/carpentry and addressing the small water evidence would likely move the unit to rent-ready within 1–4 weeks.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Home appears to have been recently remodeled: new-looking LVP flooring, painted walls, new cabinets and countertops, appliances present (stove, fridge, washer/dryer shown). Visible unfinished trim, raw wood baseboard/trim and some missing finish carpentry are present but cosmetic. Small wet area or water staining is visible on the kitchen floor near the sink/washer area that should be investigated and repaired. Overall repair needs are minor and mostly cosmetic/carpentry and a likely minor plumbing cleanup/repair."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 50.0,
"rationale": "Several safety/code concerns visible or likely: no smoke detectors or CO alarms are visible in photos (required). The main stair has no handrail visible — stairs without a proper handrail are an NSPIRE fail. One outlet/switch plate appears to be missing near a bedroom door (exposed wiring/hazard). Kitchen sink area does not show identifiable GFCI protection at the counter receptacle in photos. Windows appear to be replacement vinyl and likely provide egress but sizes are not confirmed. These items create moderate-to-high inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 65.0,
"rationale": "Listing states updated water heater and whole-home blown insulation; photos show a visible electrical panel in good-looking condition and an electric baseboard heater in at least one bedroom (heating source visible). No furnace or central HVAC is shown; electric baseboard may be the primary heat and appears present. Plumbing fixtures are present and sink appears functional, but standing water or spill evidence near the sink/washer area suggests a possible minor leak to diagnose. Electrical panel cover is present and accessible. Overall systems look serviceable but lack of visible central HVAC and the water evidence reduce score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior vinyl siding looks intact and the property sits on a corner lot with a detached 2-car garage as advertised. Roof condition is not clearly visible from photos; no active roof collapse or major damage seen. Front entry has a small stoop without a handrail — if rise requires a handrail per local code it will need one. Yard and walkways are generally tidy; no visible standing water or major foundation distress in photos. The attached exterior ladder to the front façade may be a concern for safety/unauthorized roof access but is not an automatic fail if secured/removed."
}
],
"red_flags": [
"Missing/No visible smoke detectors or carbon monoxide alarms (NSPIRE failure risk).",
"No handrail on interior stairs (safety/code fail potential).",
"Exposed outlet/switch (missing cover) near bedroom door — electrical hazard.",
"Possible water leak or standing water at kitchen floor near sink/washer (moisture/mold risk if not fixed).",
"No visible GFCI protection at kitchen counter outlets (code requirement in many jurisdictions)."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or CO alarms were installed because none are visible in the photos; assume none present unless provided documentation.",
"The heating system is electric baseboard (seen in bedroom); assume there is no central forced-air system unless otherwise disclosed.",
"Water heater is updated as the listing states and is functional, though age and exact location not photographed.",
"Kitchen receptacle near sink is not GFCI-protected because no GFCI device is visible in photos.",
"Windows are replacement vinyl and likely operable; egress compliance is assumed but not measured — could require confirmation for second-floor bedroom egress size.",
"The wet mark on the kitchen floor is evidence of a small leak or spill; assume it indicates a minor plumbing connection/drain issue that should be investigated.",
"Electrical panel pictured is assumed to be functional with a cover and accessible, but no internal inspection was performed."
],
"overall_score": 65.0,
"rubric_version": "1.0"
},
{
"summary": "The home is largely renovated and presents as move-in ready cosmetically, with working appliances, updated water heater, and new flooring and cabinetry. However, there are several NSPIRE safety items that likely cause an initial HCV inspection failure: no visible smoke detectors, missing stair handrail/unfinished treads and potentially non-compliant guard height at the loft, likely missing GFCI protection at kitchen sink, and at least one observed wet spot on the kitchen floor that requires investigation. After addressing these safety and finish items (install smoke/CO detectors as required, add/repair handrail and guardrail to code, install kitchen GFCI, fix source of water on floor, finish trim/steps, secure/assess exterior ladder), the property should be able to pass an initial Housing Choice Voucher/NSPIRE inspection and be rent-ready within a short repair window (likely within 1–4 weeks depending on contractor availability).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior appears recently remodeled with new vinyl plank flooring, new cabinets, countertops, appliances (stove, fridge, washer/dryer visible), and fresh paint. Observable deferred items are mostly finish-level: unfinished trim and baseboard (raw pine), stair treads are unfinished and carpet/wrap is incomplete, small wet spot or spill visible on kitchen floor that requires investigation, and the small front porch step is a basic wood landing with no railing and needs finishing. These are mostly cosmetic/finish or small capital items rather than major structural repairs."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 45.0,
"rationale": "Several NSPIRE safety issues are likely to fail an initial inspection as photographed: no smoke detectors are visible on any level or in bedrooms (required), the interior stair lacks a code handrail on at least one side and stair nosing/finished treads are incomplete (fall hazard), the open half-wall/guard at the upstairs overlook may not meet required guard height or openings (possible fall hazard), and a kitchen outlet near the sink does not show a GFCI device (kitchen GFCI required). There is also a visible wet spot on the kitchen floor that could indicate a leak (active leak will fail). While no obvious exposed live wiring or collapsed structure is visible, these items represent inspection-fail risks until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanicals",
"score": 70.0,
"rationale": "Listing states an updated water heater and whole-home blown insulation; a newer water heater is a positive. A heating source is visible (electric baseboard in bedroom) and laundry hookups and appliances are present. An electrical panel is visible in the kitchen and appears intact (cover in place), but the configuration and labeling cannot be confirmed from photos. No active roof leaks or major foundation movement are visible from exterior photos; roof appears intact. Lack of visible central HVAC (AC) isn't an immediate fail in this climate/area but should be confirmed. Overall, systems appear functional or recently updated but lack full documentation/verification."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior vinyl siding looks intact and the property includes a detached 2-car garage and a corner lot (positive). Gutters are present. Visible concerns: front step is an undersized wooden platform with no handrail, and there is an exterior metal ladder attached to the front facade that is rusty and may be an unsafe attractant/ hazard if accessible from the ground (inspector may request removal or securing). No obvious standing water, major foundation cracks, or collapsed elements visible in photos."
}
],
"red_flags": [
"No visible smoke detectors on main level or bedrooms — likely automatic inspection fail.",
"Stairs lack a proper code handrail and stair treads/finish — immediate fall hazard and inspection issue.",
"Upstairs half-wall/guardrail appears low/unfinished — possible guardrail height/opening noncompliance (fall hazard).",
"No visible GFCI protection for kitchen outlets near sink — electrical safety/NSPIRE compliance risk.",
"Wet spot on kitchen floor — potential active water leak that can cause immediate failing condition if active.",
"Exterior ladder attached to front facade is rusted and accessible — potential safety/liability issue that inspector may flag."
],
"confidence": 0.7,
"assumptions": [
"Listing claims updated water heater and blown insulation; assume water heater is functional and recently replaced as stated.",
"Appliances shown in photos (fridge, stove, washer/dryer) are included and functional unless otherwise noted.",
"No smoke detectors or CO alarms are installed (none visible in photos); assume none until verified.",
"Windows are vinyl replacement as listed; assume they function (egress likely adequate but exact clear opening not measured).",
"Electrical panel cover is present and main service is functional; full compliance of wiring/GFCI cannot be confirmed from photos.",
"The wet spot visible on the kitchen floor indicates either a recent spill or a leak; assume it requires investigation and remediation.",
"No evidence of major structural or foundation movement visible in provided photos; assume none present but recommend inspection if interior moisture or historic issues are suspected."
],
"overall_score": 67.0,
"rubric_version": "2026-02-19-v1"
},
{
"summary": "Overall the property appears to be largely renovated and close to turnkey for Section 8 tenancy. The interior finishes, new windows, updated water heater, included appliances and main-level laundry are strong positives. However, there are inspection-risk items that must be corrected before an inspector would likely pass the unit: install/verify smoke detectors (and CO alarms where required), add a continuous handrail for the interior stair, repair/secure the small exterior entry platform, investigate and repair the kitchen sink leak, and remove or secure the exterior ladder/fall hazard. With those fixes (primarily minor repairs and safety items) this property looks likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing show a recent remodel: new-looking LVP floors, updated cabinets/countertops, appliances present, fresh paint and trim work in progress. Visible minor defects: unfinished trim/paint at many door/window casings, small exterior entry step/platform that looks weathered and may need repair, and a small puddle/spot on the kitchen floor under/near the sink indicating a minor plumbing drip. No large areas of peeling paint, collapsed ceilings, or extensive floor damage visible. Missing cosmetic finish work reduces perfect score but overall condition appears good and mostly turnkey."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are unverified or show deficiency risk from photos: no smoke detectors are visible in living areas or bedrooms (required), no carbon-monoxide alarm is visible (may be required depending on fuel appliances), the main interior stair has no continuous code-style handrail (stairs appear to lack a proper graspable handrail — likely an inspection fail), there is a small wet area at the kitchen sink (possible active leak), and the exterior has an unlocked/accessible ladder attached to the wall (fall hazard). The electrical panel is present and appears intact and accessible in the kitchen area (positive). GFCI protection at sink outlets cannot be confirmed from photos. Bedroom windows appear like double-hung replacements which may provide egress but egress dimensions cannot be confirmed. Because of missing smoke detectors and the stair handrail, the property currently presents items that typically cause inspection failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Listing states an updated water heater and whole-home insulation; a water heater update is a systems plus. Photos show an electrical panel in the living/kitchen area (closed and mounted) and baseboard heating in bedrooms (evidence of heating present). No forced-air HVAC equipment is shown (central HVAC unclear), but heating presence (likely electric baseboard) reduces immediate risk. Plumbing fixtures appear installed; however the visible wet spot near the kitchen sink suggests a minor plumbing leak that should be addressed. No obvious major roof failure or water intrusion visible from exterior photo, but roof condition cannot be fully assessed from provided images. Overall systems appear serviceable but need verification (heat operation, water heater, electrical breakers, and plumbing leak repair)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior vinyl siding looks intact and the lot is level with a 2-car detached garage visible in listing (positive). Gutters are present and siding shows no large visible holes. Concerns: small front stoop/landing appears weathered and low, which could be a trip/step hazard and would be expected to be repaired or secured. A metal ladder permanently affixed to the front façade is exposed/accessible from the yard and represents a fall/access hazard that an inspector could flag. Snow obscures some ground drainage details; no standing exterior water or major foundation cracks are visible in the photos. Yard and walkways show typical minor wear only."
}
],
"red_flags": [
"No visible smoke detectors in living/bedroom areas (inspection failure risk).",
"Interior stairs lack a continuous, graspable handrail (likely inspection fail / unsafe stairs).",
"Standing/wet spot under kitchen sink area — possible active plumbing leak.",
"Exterior fixed metal ladder attached to façade is accessible from ground (fall/unauthorized-access hazard)."
],
"confidence": 0.7,
"assumptions": [
"Appliances shown (stove, refrigerator, washer/dryer) are included and functional as stated in listing; missing appliances are not a major barrier.",
"Water heater replacement referenced in listing is properly installed and operational although not shown in photos.",
"Heating is electric baseboard (visible in bedroom) and is operational; no central HVAC unit was visible or assumed.",
"Windows are vinyl replacement as stated and likely provide reasonable thermal performance; egress size compliance cannot be confirmed and is assumed acceptable unless local AHJ requires larger openings.",
"No major concealed structural defects (foundation movement, roof failure) are present beyond what is visible in photos; severe hidden issues not indicated by photos are assumed absent."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "21485 Elevator St, Kenton, OH, 43326",
"aggregate": {
"summary": "This property appears largely renovated and close to Section 8/NSPIRE-ready with several minor-to-moderate items to correct. Major positive points: remodeled kitchen, included appliances, updated water heater, replacement windows, new flooring and visible electrical panel. Primary inspection risks that could cause a fail: missing smoke/CO alarms, missing stair handrail, at least one open outlet/switch cover (exposed wiring), and lack of documented GFCI protection at kitchen counters. Correcting these safety items plus finishing trim/carpentry and addressing the small water evidence would likely move the unit to rent-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Home appears to have been recently remodeled: new-looking LVP flooring, painted walls, new cabinets and countertops, appliances present (stove, fridge, washer/dryer shown). Visible unfinished trim, raw wood baseboard/trim and some missing finish carpentry are present but cosmetic. Small wet area or water staining is visible on the kitchen floor near the sink/washer area that should be investigated and repaired. Overall repair needs are minor and mostly cosmetic/carpentry and a likely minor plumbing cleanup/repair."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 71.7,
"rationale": "Exterior vinyl siding looks intact and the property sits on a corner lot with a detached 2-car garage as advertised. Roof condition is not clearly visible from photos; no active roof collapse or major damage seen. Front entry has a small stoop without a handrail — if rise requires a handrail per local code it will need one. Yard and walkways are generally tidy; no visible standing water or major foundation distress in photos. The attached exterior ladder to the front façade may be a concern for safety/unauthorized roof access but is not an automatic fail if secured/removed."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 50.0,
"rationale": "Several safety/code concerns visible or likely: no smoke detectors or CO alarms are visible in photos (required). The main stair has no handrail visible — stairs without a proper handrail are an NSPIRE fail. One outlet/switch plate appears to be missing near a bedroom door (exposed wiring/hazard). Kitchen sink area does not show identifiable GFCI protection at the counter receptacle in photos. Windows appear to be replacement vinyl and likely provide egress but sizes are not confirmed. These items create moderate-to-high inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 66.7,
"rationale": "Listing states updated water heater and whole-home blown insulation; photos show a visible electrical panel in good-looking condition and an electric baseboard heater in at least one bedroom (heating source visible). No furnace or central HVAC is shown; electric baseboard may be the primary heat and appears present. Plumbing fixtures are present and sink appears functional, but standing water or spill evidence near the sink/washer area suggests a possible minor leak to diagnose. Electrical panel cover is present and accessible. Overall systems look serviceable but lack of visible central HVAC and the water evidence reduce score."
}
],
"red_flags": [
"Missing/No visible smoke detectors or carbon monoxide alarms (NSPIRE failure risk).",
"No handrail on interior stairs (safety/code fail potential).",
"Exposed outlet/switch (missing cover) near bedroom door — electrical hazard.",
"Possible water leak or standing water at kitchen floor near sink/washer (moisture/mold risk if not fixed).",
"No visible GFCI protection at kitchen counter outlets (code requirement in many jurisdictions)."
],
"confidence": 0.9,
"assumptions": [
"No smoke detectors or CO alarms were installed because none are visible in the photos; assume none present unless provided documentation.",
"The heating system is electric baseboard (seen in bedroom); assume there is no central forced-air system unless otherwise disclosed.",
"Water heater is updated as the listing states and is functional, though age and exact location not photographed.",
"Kitchen receptacle near sink is not GFCI-protected because no GFCI device is visible in photos.",
"Windows are replacement vinyl and likely operable; egress compliance is assumed but not measured — could require confirmation for second-floor bedroom egress size.",
"The wet mark on the kitchen floor is evidence of a small leak or spill; assume it indicates a minor plumbing connection/drain issue that should be investigated.",
"Electrical panel pictured is assumed to be functional with a cover and accessible, but no internal inspection was performed."
],
"score_method": "mean_of_criteria",
"overall_score": 67.6,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4166870616"
}
}
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