1500 Crystal Ave, Findlay, OH, 45840
Findlay, OH
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 70.30%
Confidence: 93.00%
Overall this 3-bed/1-bath single-family appears likely to pass an initial HCV/NSPIRE inspection after addressing a small set of common items (verify and/or install smoke and CO detectors, confirm GFCI protection, repair the chipped front step, and secure/repair the rear porch rails). The roof and tankless water heater claimed in the listing reduce major system risk. Unknowns (presence and condition of smoke/CO detectors, GFCI outlets, interior HVAC and appliance condition, bedroom egress windows) lower confidence and could generate inspection deficiencies if not already compliant. Expect minor repairs and verification steps; likely rent-ready within 2–4 weeks assuming systems are functional and detectors/outlet protection are installed or confirmed.
Property Fundamentals
Property Description
Homebuyers or investors, look no further! This 3 bed 1 bath home is priced to sell whether you are looking for a home to call your own or an investor looking to add to their portfolio. This home is currently rented with great rental history. Tenants are happy to stay put or willing to look for a new rental should you want to move into the home for yourself. Enjoy the huge fenced in yard and detached garage. Many updates such as a tankless water heater and newer roof. Schedule your showing today!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
- No smoke detectors or CO alarms visible in provided photos — NSPIRE requires functioning smoke detectors and CO alarms where applicable.
- Rear porch/steps show weathering and possible wood deterioration that could compromise railing stability if not repaired.
- Front concrete step has a visible chip/crack — trip hazard and potential NSPIRE concern if not repaired.
- Lower siding and garage siding show green staining/algae which may indicate moisture retention or blocked drainage near grade; requires cleaning/inspection.
Assumptions
- Listing statement that the roof is newer and that a tankless water heater is installed is accurate and both are operational.
- The property is currently occupied and heated (tenant occupancy implies working heating system), although no exterior HVAC unit is visible in photos.
- Kitchen and major appliances exist and are in working order (photos not provided); missing appliances would be treated as moderate repair items rather than immediate safety failures.
- Smoke and CO detectors, GFCI outlets, and interior egress windows are not visible in the photos; absent photographic proof they are treated as unknowns and reduce the safety score.
- No major concealed structural defects (foundation movement, major roof failure, collapsed ceilings) are present because none are visible in the provided photos; if present they would substantially reduce scores.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,520 | $137,870 | $48,260 |
| 2023 | $1,262 | $98,480 | $34,470 |
| 2022 | $1,254 | $98,480 | $34,470 |
| 2021 | $1,176 | $80,490 | $28,172 |
| 2020 | $1,176 | $80,490 | $28,172 |
| 2018 | $1,103 | $70,610 | $24,714 |
| 2017 | $1,103 | $70,610 | $24,714 |
| 2016 | $1,098 | $70,610 | $24,714 |
| 2015 | $864 | $54,890 | $19,212 |
| 2014 | $864 | $54,890 | $19,212 |
| 2013 | $864 | $54,890 | $19,212 |
| 2012 | $965 | $60,980 | $21,350 |
| 2011 | $965 | $60,980 | $21,350 |
| 2010 | $965 | $60,980 | $21,350 |
| 2009 | $1,988 | $64,230 | $22,480 |
| 2008 | $871 | $64,230 | $22,480 |
| 2007 | $868 | $64,230 | $22,480 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-16 | Listed | $149,900 |
| 2007-10-16 | Sold | $62,000 |
| 2004-05-11 | Sold | $86,500 |
| 2003-11-24 | Sold | $61,000 |
Photo Gallery
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},
{
"note": "This is a standard fixed allowance for general electricity usage (lights, small appliances, etc.). The value is from the 3-bedroom column.",
"utility": "other_electric",
"allowance": 39
},
{
"note": "The property is connected to a 'Public' water source, making this a standard utility. The value is from the 3-bedroom column.",
"utility": "water",
"allowance": 32
},
{
"note": "The property is connected to a 'Public Sewer' system, making this a standard utility. The value is from the 3-bedroom column.",
"utility": "sewer",
"allowance": 36
},
{
"note": "This is a standard fixed allowance for residential trash collection. The value is from the 3-bedroom column.",
"utility": "trash_collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.37,
"down_payment_amount": 29980.0,
"property_tax_annual": 1565.6,
"property_tax_monthly": 130.47,
"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": 1660.23,
"property_management_monthly": 123.1,
"monthly_cash_flow_after_debt": 138.35,
"cash_on_cash_return_after_debt": 0.06
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed/1-bath single-family appears likely to pass an initial HCV/NSPIRE inspection after addressing a small set of common items (verify and/or install smoke and CO detectors, confirm GFCI protection, repair the chipped front step, and secure/repair the rear porch rails). The roof and tankless water heater claimed in the listing reduce major system risk. Unknowns (presence and condition of smoke/CO detectors, GFCI outlets, interior HVAC and appliance condition, bedroom egress windows) lower confidence and could generate inspection deficiencies if not already compliant. Expect minor repairs and verification steps; likely rent-ready within 2–4 weeks assuming systems are functional and detectors/outlet protection are installed or confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and visible interior are mostly intact with only minor deferred maintenance. Photos show chipped concrete step at front, weathered paint on front door, overgrown shrubs, and rear deck/porch wood that is weathered and beginning to show green staining. No collapsed ceilings, exposed subfloor, or large areas of missing siding were observed. Listing notes upgrades (tankless water heater, newer roof) which mitigate some risk. Missing or unshown appliances (kitchen photos not provided) are unknown; absence would reduce tenant readiness but is not a structural failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "Visible safety elements: entry doors have locks and a storm door; front handrails present. However, smoke detectors and carbon monoxide alarms are not visible in the photos (common NSPIRE failure if missing), GFCI protection in kitchen/bath is not shown, and bedroom egress windows cannot be confirmed. Front step has a crack/chip (trip hazard). Rear porch shows weathering that could affect railing stability. No obvious exposed electrical wiring or active water intrusion was observed. Because several required safety items are unverified from photos, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Water Heater)",
"score": 70.0,
"rationale": "Listing states a newer roof and tankless water heater; exterior roof appears in good condition with no visible sagging or missing shingles in photos. No HVAC unit is visible in photos (likely interior/forced-air through chimney or setback), but the home is occupied which suggests functional heating. Plumbing/drainage issues are not evident from exterior shots; no standing water observed. Because HVAC functionality and water heater operation are not directly shown, and plumbing fixtures/conditions were not photographed, some uncertainty remains."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large fenced yard and detached garage are positive features for safety and tenant use. Driveway and walkways show cracking and wear but are serviceable; chain-link fence appears intact. There is localized staining/green growth on lower siding and garage siding (possible algae/mildew). Backyard is level and free of visible standing water; some exterior trim and the rear porch exhibit moderate weathering. No evidence of foundation displacement or major exterior structural failure visible in provided photos."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in provided photos — NSPIRE requires functioning smoke detectors and CO alarms where applicable.",
"Rear porch/steps show weathering and possible wood deterioration that could compromise railing stability if not repaired.",
"Front concrete step has a visible chip/crack — trip hazard and potential NSPIRE concern if not repaired.",
"Lower siding and garage siding show green staining/algae which may indicate moisture retention or blocked drainage near grade; requires cleaning/inspection."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that the roof is newer and that a tankless water heater is installed is accurate and both are operational.",
"The property is currently occupied and heated (tenant occupancy implies working heating system), although no exterior HVAC unit is visible in photos.",
"Kitchen and major appliances exist and are in working order (photos not provided); missing appliances would be treated as moderate repair items rather than immediate safety failures.",
"Smoke and CO detectors, GFCI outlets, and interior egress windows are not visible in the photos; absent photographic proof they are treated as unknowns and reduce the safety score.",
"No major concealed structural defects (foundation movement, major roof failure, collapsed ceilings) are present because none are visible in the provided photos; if present they would substantially reduce scores."
],
"overall_score": 71.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed, 1-bath single-family looks like a mostly serviceable, tenant-occupied home with a newer roof and tankless water heater per the listing. Exterior and site are generally intact and the yard and detached garage are strong rental features. Primary inspection risks are: (1) verification of working heating, electrical panel and hot water, (2) presence and operation of required smoke and CO detectors, and (3) repair/strengthening of weathered rear porch railing and some cracked concrete trip hazards. With targeted safety checks and minor repairs (detectors, guardrail/porch work, concrete patching, cleaning siding), this property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 70.0,
"rationale": "Exterior photos show generally intact siding, windows and a detached garage; some cosmetic deferred maintenance is visible (overgrown shrubs, mildew/soiling on lower siding, cracked concrete at driveway/walk, chipped front step edge and peeling paint on door/frame). Rear porch decking and railings show weathering and green staining (likely moisture/rot beginning). Interior entry photo shows worn trim and scuffed door but generally functional surfaces. Listing notes newer roof and tankless water heater which reduce major capital needs. Missing interior photos for kitchen/bath limit confirmation of cabinets/fixtures; missing appliances are not evident in provided images but would be an easy-to-fix item if absent. Overall repairs appear minor-to-moderate and mostly cosmetic/capital work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, standing water, visible major foundation movement, or exposed high-voltage wiring). Front entry has handrails on both sides; rear porch has a railing but posts and rail appear weathered and may not meet load requirements — potential loose/rot hazard. No smoke detectors or carbon monoxide alarms are visible in the interior image; listing indicates a gas-fired tankless water heater (CO alarm would be required). Windows appear small but likely adequate; egress for upstairs bedrooms cannot be confirmed. Electrical panel, GFCI outlets and plumbing fixture operation are not visible. Given tenant-occupied status and no visible active hazards, risk is moderate because required detectors and some guardrail integrity are unknown or questionable."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 65.0,
"rationale": "Listing claims a tankless water heater and a newer roof; exterior roof lines look straight with no visible sagging and the vent/chimney is intact, which suggests the roof and water heating may be serviceable. No exterior HVAC condenser is visible in photos (winter-season images may hide components) and no furnace or HVAC equipment is shown; heating presence and operation should be confirmed. Electrical service and panel condition are not shown. Plumbing condition and hot water delivery are unverified but tenant occupancy suggests systems are operational. Overall systems appear intact with medium confidence but require verification (heat source, electrical panel, water heater operation)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 75.0,
"rationale": "Large, fenced backyard and detached garage are positive for rental appeal. Vinyl siding and gutters are present; some staining on lower siding and garage indicates needed cleaning/maintenance. Driveway and front walk show cracking and uneven surfaces (minor trip hazards). Trees are mature and close to the house but no immediate failure or root upheaval is evident. Rear covered porch structure appears weathered and should be evaluated for railing/post integrity. Overall the site is useable and secure but needs routine maintenance and minor repairs."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarm visible in interior photo — CO alarm required if there are gas appliances (listing indicates tankless water heater).",
"Rear porch/deck posts and railing show weathering and potential rot — may be a safety hazard and require repair to meet guard/handrail strength requirements.",
"Cracked/chipped front steps and uneven walkway present trip hazards that should be repaired before lease/inspection."
],
"confidence": 0.6,
"assumptions": [
"Listing statement that the property is currently rented and that tenants are occupying the unit is accurate (tenant-occupied implies systems have been used recently).",
"The listed 'tankless water heater' and 'newer roof' are functional as claimed; photographic evidence (snow-covered roof) shows no obvious structural roof issues.",
"Interior cooking appliances, stove and refrigerator may be present but are not shown; missing appliances would be considered moderate, fixable items.",
"No active water intrusion or interior mold is present behind walls or under floors; exterior staining is assumed surface mildew rather than severe moisture intrusion.",
"Photographs were taken in winter (snow) which may hide exterior condition details (AC condenser, minor roof defects, ground drainage)."
],
"overall_score": 68.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Overall the property appears in generally good, rentable condition with typical deferred maintenance items for a 1945 single-family home. The roof and tankless water heater (as listed) are positives and the large fenced yard and detached garage add value. Primary inspection risks are missing/undocumented smoke and CO detectors (not visible in photos), peeling exterior paint around the entry (potential lead-risk area), weathered rear deck posts/rail, and cracked/spalled concrete on driveway and front steps. Mechanical system condition (furnace/AC, electrical panel, GFCI protection) could not be confirmed from photos and will require verification. With targeted repairs (install/verify detectors, address peeling paint and deck wood rot, fix trip hazards, verify mechanicals), the home should be able to pass an initial HCV/NSPIRE inspection and be rent-ready within a few weeks to 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and visible finishes are generally intact with only moderate deferred maintenance. Photos show chipped concrete at front steps, overgrown shrubs, dirty/mildewed siding at the base, worn/peeling paint on the entry trim and storm door, and a driveway with spalling/cracks. Rear porch/deck shows weathering and greening on posts and some wood exposure that will need repair/sealing. No catastrophic interior damage visible in available photos. Listing notes some updates (newer roof, tankless water heater) which reduce the repair load. Kitchen/appliances were not shown; missing appliances would be a moderate deduction but not a failure."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No life-threatening hazards are visible in the photos (no collapsed ceilings, no standing water, no obvious major structural failure). Front and rear entry stairs have railings present. A keyed deadbolt appears present on the main entry. However smoke detectors and carbon-monoxide detectors are not visible in the interior photo; their presence and proper location must be verified (HUD/NSPIRE requirement). There is some peeling paint at the entry trim (house built 1945) — potential lead-risk paint condition that requires attention. GFCI outlets, electrical panel condition and plumbing fixture operation cannot be confirmed from photos. Overhead service to the garage is visible; no exposed live wiring is evident in images. Overall moderate risk that will require verification/few corrective items."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 65.0,
"rationale": "Listing states a newer roof and a tankless water heater (positive). Roof appears intact and even under snow in photos. No outdoor HVAC condenser is visible in photos (could be heat pump absent or central AC not pictured) but a flue/chimney and vent piping are visible indicating some combustion appliance or furnace and domestic venting. Because interior mechanicals (furnace/AC condition, electrical panel, water heater installation, plumbing operation) were not photographed, there is moderate uncertainty. Given tenant occupancy and listing claims, systems are likely functioning but will require inspection and documentation to confirm NSPIRE compliance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large, fenced yard and a detached garage are present — good for rental appeal and safety. Chain-link fence appears intact. Walkways and driveway show cracking and spalling (trip hazard potential) that should be repaired. Siding and foundation look generally sound from photos, though there is mildew/soiling at the siding base and some areas of dirt/green staining on garage and rear siding. Backyard deck cover and posts show weathering and green growth — maintenance required. No visible major erosion or foundation displacement in photos."
}
],
"red_flags": [
"Peeling/peeling-looking paint on exterior door/trim at main entry — potential lead-risk paint condition (house built 1945).",
"Weathered/green-stained rear deck posts and some wood exposure suggest rot or decay at deck supports - needs repair to ensure guard/post integrity.",
"Driveway and front step spalling/cracking present trip hazards that should be repaired or mitigated.",
"No visible smoke detectors or carbon-monoxide alarms in interior photo — potential immediate NSPIRE failure if not present/functional."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that the property has a tankless water heater and a newer roof is accurate; these systems exist and are operable unless a physical inspection proves otherwise.",
"The house is currently occupied by tenants (listing text) even though the snapshot rental history feed was 'missing'; tenant occupation implies utilities and basic systems are functioning.",
"Smoke detectors and CO alarms are not visible in supplied interior photo; assume they may be missing or improperly located and will need verification and likely installation or repositioning to meet NSPIRE.",
"No interior photos of kitchen, bathrooms or mechanical rooms were provided; assume typical mid-century finishes and that the kitchen has at least a stove or tenant-provided appliances (appliance presence unknown and should be verified).",
"No electrical panel or HVAC equipment photos were provided; assume electrical service is intact but the panel, GFCI protection, and HVAC operational status will need on-site verification."
],
"overall_score": 71.0,
"rubric_version": "2026-02-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1500 Crystal Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "Overall this 3-bed/1-bath single-family appears likely to pass an initial HCV/NSPIRE inspection after addressing a small set of common items (verify and/or install smoke and CO detectors, confirm GFCI protection, repair the chipped front step, and secure/repair the rear porch rails). The roof and tankless water heater claimed in the listing reduce major system risk. Unknowns (presence and condition of smoke/CO detectors, GFCI outlets, interior HVAC and appliance condition, bedroom egress windows) lower confidence and could generate inspection deficiencies if not already compliant. Expect minor repairs and verification steps; likely rent-ready within 2–4 weeks assuming systems are functional and detectors/outlet protection are installed or confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Exterior and visible interior are mostly intact with only minor deferred maintenance. Photos show chipped concrete step at front, weathered paint on front door, overgrown shrubs, and rear deck/porch wood that is weathered and beginning to show green staining. No collapsed ceilings, exposed subfloor, or large areas of missing siding were observed. Listing notes upgrades (tankless water heater, newer roof) which mitigate some risk. Missing or unshown appliances (kitchen photos not provided) are unknown; absence would reduce tenant readiness but is not a structural failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large fenced yard and detached garage are positive features for safety and tenant use. Driveway and walkways show cracking and wear but are serviceable; chain-link fence appears intact. There is localized staining/green growth on lower siding and garage siding (possible algae/mildew). Backyard is level and free of visible standing water; some exterior trim and the rear porch exhibit moderate weathering. No evidence of foundation displacement or major exterior structural failure visible in provided photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 66.7,
"rationale": "Visible safety elements: entry doors have locks and a storm door; front handrails present. However, smoke detectors and carbon monoxide alarms are not visible in the photos (common NSPIRE failure if missing), GFCI protection in kitchen/bath is not shown, and bedroom egress windows cannot be confirmed. Front step has a crack/chip (trip hazard). Rear porch shows weathering that could affect railing stability. No obvious exposed electrical wiring or active water intrusion was observed. Because several required safety items are unverified from photos, there is moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Water Heater)",
"score": 66.7,
"rationale": "Listing states a newer roof and tankless water heater; exterior roof appears in good condition with no visible sagging or missing shingles in photos. No HVAC unit is visible in photos (likely interior/forced-air through chimney or setback), but the home is occupied which suggests functional heating. Plumbing/drainage issues are not evident from exterior shots; no standing water observed. Because HVAC functionality and water heater operation are not directly shown, and plumbing fixtures/conditions were not photographed, some uncertainty remains."
}
],
"red_flags": [
"No smoke detectors or CO alarms visible in provided photos — NSPIRE requires functioning smoke detectors and CO alarms where applicable.",
"Rear porch/steps show weathering and possible wood deterioration that could compromise railing stability if not repaired.",
"Front concrete step has a visible chip/crack — trip hazard and potential NSPIRE concern if not repaired.",
"Lower siding and garage siding show green staining/algae which may indicate moisture retention or blocked drainage near grade; requires cleaning/inspection."
],
"confidence": 0.93,
"assumptions": [
"Listing statement that the roof is newer and that a tankless water heater is installed is accurate and both are operational.",
"The property is currently occupied and heated (tenant occupancy implies working heating system), although no exterior HVAC unit is visible in photos.",
"Kitchen and major appliances exist and are in working order (photos not provided); missing appliances would be treated as moderate repair items rather than immediate safety failures.",
"Smoke and CO detectors, GFCI outlets, and interior egress windows are not visible in the photos; absent photographic proof they are treated as unknowns and reduce the safety score.",
"No major concealed structural defects (foundation movement, major roof failure, collapsed ceilings) are present because none are visible in the provided photos; if present they would substantially reduce scores."
],
"score_method": "mean_of_criteria",
"overall_score": 70.3,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4434563160"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.