Property ID: 4779999401
354 S Barron St, Kenton, OH, 43326
Kenton, OH
Money Down: $38,160
CoC Return: -4.13%
Monthly Cash Flow: $-131
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$31,800
Closing Costs
$6,360
Total Down
$38,160
Investment Snapshot
Purchase Price
$159,000
Money Down
$38,160
Cash-on-Cash Return
-4.13%
Rent
$962
Monthly Cash Flow
$-131
Annual Cash Flow
$-1,576
Debt Service / Mo
$846
Property Tax / Mo
$109
Insurance / Mo
$42
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$962
Payment Standard
$1,230
Rent
$962
Insurance
$42
Property Tax
$109
Management
$96
Utilities Allowance
$268
NOI (Monthly)
$715
Debt Service
$846
Cash Flow After Debt
$-131
Quality Score: 80.00%
Confidence: 95.00%
Overall the property appears to be in very good, recently remodeled condition and is likely close to Section 8 / NSPIRE rent-ready. New roof, HVAC, water heater, flooring, paint and a new deck significantly reduce inspection risk. The main outstanding verification items for an initial HCV inspection are presence and placement of smoke/CO detectors, GFCI protection in wet areas, appliance presence (if required by owner), and confirmation the electrical panel and bedroom egress meet code. Addressing these checklist items (if missing) is typically quick. Estimated readiness: likely passable with minor fixes or documentation within 1–4 weeks.
Section 8 Payment Standard
$1,230
Utility Allowance Total
$268
Guaranteed Section 8 Rent (PS - Utilities)
$962
Property Management
$96
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$159,000
Beds
3
Baths
2.5
Living Area
1,296 sqft
Lot Size
—
Year Built
1954
Days on Market
59
Capital Outlay
$38,160
Debt Service
$846
Property Tax / Mo
$109
Insurance / Mo
$42
Property Description
Move In Ready! Ranch Home! 3 Bedroom 2 1/2 bath remodeled ranch home is waiting for the next owner. New roof, New luxury vinyl flooring, New Baths, New furnace, New central air, New hot water heater, New kitchen , New paint. Many of the windows are vinyl. New deck on the back of the home off the family room. This property also comes with an additional lot! Don't miss your opportunity to see this easy living ranch home!
Utility Allowances
Heating
$75
The property listing explicitly states the heating fuel is Natural Gas. The allowance is the value for a 3-bedroom unit.
Cooking
$12
The property is connected to natural gas, making it the most probable and cost-effective fuel for cooking. The allowance is the value for a 3-bedroom unit.
Water Heating
$33
The property has a water heater and is connected to natural gas for heating, making natural gas the most likely and cost-effective fuel choice. The allowance is the value for a 3-bedroom unit.
Other Electric
$39
This covers general electricity usage for lights and standard outlets. The property is connected to electricity. The allowance is the value for a 3-bedroom unit.
Water
$32
The property listing confirms connection to public water. The allowance is the value for a 3-bedroom unit.
Sewer
$36
The property listing confirms connection to public sewer. The allowance is the value for a 3-bedroom unit.
Trash Collection
$25
Trash collection is a standard tenant responsibility for a single-family home in this area. The allowance is a fixed value for all bedroom counts.
Tenant-Owned Refrigerator
$8
A refrigerator is not listed as a provided appliance in the property details, so it is considered tenant-provided. The allowance is a fixed value for all bedroom counts.
Tenant-Owned Range
$8
A range/oven is not listed as a provided appliance in the property details, so it is considered tenant-provided. The allowance is a fixed value for all bedroom counts.
Air Conditioning
$0
The property has Central Air, but the utility schedule does not provide a separate allowance for it; costs are likely included in 'Other Electric'.
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$487
DP3 Annual Estimate$509
DP1 Monthly Equivalent$41
DP3 Monthly Equivalent$42
Replacement Value$57,940
Basis1,296 sqft / 1954
Nearby Houses
Photo unavailable
519 Decatur St
sold · 0.02 mi
Price: $140,000
4 bd / 2 ba · 1,716 sqft
Latest sale: $140,000 on May 28, 2024
Latest rent: —
Photo unavailable
508 E Decatur St
for_sale · 0.04 mi
Price: $134,000
4 bd / 1 ba · 1,144 sqft
Latest sale: —
Latest rent: —
Photo unavailable
510 E Decatur St
for_sale · 0.04 mi
Price: $99,000
3 bd / 1 ba · 744 sqft
Latest sale: —
Latest rent: —
Photo unavailable
312 Henry St
sold · 0.06 mi
Price: $130,000
3 bd / 1 ba · 1,264 sqft
Latest sale: $130,000 on Aug 31, 2022
Latest rent: —
Photo unavailable
332 Clinton St
sold · 0.07 mi
Price: $177,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $177,000 on Jun 02, 2025
Latest rent: —
Photo unavailable
334 Clinton St
sold · 0.07 mi
Price: $56,500
3 bd / 1 ba · 1,272 sqft
Latest sale: $56,500 on May 27, 2016
Latest rent: —
Photo unavailable
430 Henry St
sold · 0.09 mi
Price: $65,000
2 bd / 2 ba · 1,424 sqft
Latest sale: $65,000 on Apr 02, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statements are accurate: roof, furnace, central A/C, hot water heater, baths, and kitchen are newly installed.
- Bedrooms have code-compliant egress windows (not all bedroom photos are provided).
- Major appliances (stove, refrigerator) are present or will be provided; kitchen photo shows a dishwasher but stove/fridge are not visible.
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may not be installed or are not visible and will need confirmation.
- GFCI protection in kitchen and bathrooms is unknown and requires verification.
- Electrical service appears intact from exterior photos but the interior electrical panel was not shown; assume it is present and functional unless inspection reveals otherwise.
- Snow covers grading/walkway details and may hide minor trip hazards; assume standard municipal sidewalk/drive condition.
- Tree proximity to roof could create maintenance/ice-dam risk over time but no current structural damage is visible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,274 | $63,910 | $22,370 |
| 2024 | $1,086 | $63,910 | $22,370 |
| 2023 | $1,095 | $63,910 | $22,370 |
| 2022 | $964 | $57,660 | $20,180 |
| 2021 | $968 | $57,660 | $20,180 |
| 2020 | $843 | $57,660 | $20,180 |
| 2019 | $767 | $48,230 | $16,880 |
| 2018 | $864 | $48,230 | $16,880 |
| 2017 | $676 | $48,230 | $16,880 |
| 2016 | $945 | $45,570 | $15,950 |
| 2015 | $590 | $45,570 | $15,950 |
| 2014 | $588 | $45,570 | $15,950 |
| 2013 | $656 | $48,770 | $17,070 |
| 2012 | $652 | $48,770 | $17,070 |
| 2011 | $656 | $48,770 | $17,070 |
| 2009 | $589 | $50,400 | $17,640 |
| 2008 | $571 | $50,400 | $17,640 |
| 2006 | $546 | $47,970 | $16,790 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-08 | Listed | $159,000 |
Photo Gallery
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"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": "The property listing explicitly states the heating fuel is Natural Gas. The allowance is the value for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 75
},
{
"note": "The property is connected to natural gas, making it the most probable and cost-effective fuel for cooking. The allowance is the value for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "The property has a water heater and is connected to natural gas for heating, making natural gas the most likely and cost-effective fuel choice. The allowance is the value for a 3-bedroom unit.",
"utility": "Water Heating",
"allowance": 33
},
{
"note": "This covers general electricity usage for lights and standard outlets. The property is connected to electricity. The allowance is the value for a 3-bedroom unit.",
"utility": "Other Electric",
"allowance": 39
},
{
"note": "The property listing confirms connection to public water. The allowance is the value for a 3-bedroom unit.",
"utility": "Water",
"allowance": 32
},
{
"note": "The property listing confirms connection to public sewer. The allowance is the value for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 36
},
{
"note": "Trash collection is a standard tenant responsibility for a single-family home in this area. The allowance is a fixed value for all bedroom counts.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "A refrigerator is not listed as a provided appliance in the property details, so it is considered tenant-provided. The allowance is a fixed value for all bedroom counts.",
"utility": "Tenant-Owned Refrigerator",
"allowance": 8
},
{
"note": "A range/oven is not listed as a provided appliance in the property details, so it is considered tenant-provided. The allowance is a fixed value for all bedroom counts.",
"utility": "Tenant-Owned Range",
"allowance": 8
},
{
"note": "The property has Central Air, but the utility schedule does not provide a separate allowance for it; costs are likely included in 'Other Electric'.",
"utility": "Air Conditioning",
"allowance": 0
}
],
"cash_on_cash_return": 0.27,
"down_payment_amount": 31800.0,
"property_tax_annual": 1312.22,
"property_tax_monthly": 109.35,
"property_tax_increase": 0.03,
"utility_allowance_total": 268.0,
"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": -1575.8,
"property_management_monthly": 96.2,
"monthly_cash_flow_after_debt": -131.32,
"cash_on_cash_return_after_debt": -0.05
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in very good, recently remodeled condition and is likely close to Section 8 / NSPIRE rent-ready. New roof, HVAC, water heater, flooring, paint and a new deck significantly reduce inspection risk. The main outstanding verification items for an initial HCV inspection are presence and placement of smoke/CO detectors, GFCI protection in wet areas, appliance presence (if required by owner), and confirmation the electrical panel and bedroom egress meet code. Addressing these checklist items (if missing) is typically quick. Estimated readiness: likely passable with minor fixes or documentation within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Property photos and listing indicate a recent full remodel: new roof, new luxury vinyl flooring, new baths, new paint, new kitchen and new deck. Interior surfaces (walls, trim, flooring) look recently finished with minimal visible cosmetic damage. Exterior siding appears intact. No visible water stains, peeling paint, or significant deferred maintenance. Missing/unseen items: photos do not clearly show major appliances (fridge/stove) though listing implies a new kitchen; absence in photos treated as moderate risk only. Overall condition appears largely turnkey with only minor finish-level touch ups possible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: no collapsed ceilings, no exposed wiring, no standing water, no major foundation distress apparent. Exterior entry and back deck appear secure; deck has railing. However several NSPIRE-required items cannot be confirmed from photos: presence and placement of smoke detectors and carbon monoxide alarms, GFCI protection in kitchen/bath, emergency egress compliance for all bedrooms, and presence of a keyed deadbolt on the entry door. Electrical meter/service and panel are not shown (service cable visible and appears intact). Because these mandatory safety items are unknown, a moderate reduction in score was applied despite generally good visible condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 85.0,
"rationale": "Listing states new furnace, new central air and new hot water heater; exterior photos show a modern AC condenser in place. Interior photos show functioning plumbing (toilet visible) and vents/baseboard registers. Roof appears recently replaced per listing and photos. No visible signs of active leaks or failing systems. Electrical panel, age of service, and verification of HVAC operation under load cannot be confirmed from images; assumed functional based on listing claims and visible external equipment. Given the recent upgrades, major systems risk is low."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 80.0,
"rationale": "Siding, trim, windows and gutters appear in good condition; downspouts visible. New rear deck installed. Yard and walkways are covered in snow in the photos so detailed condition of walkways, grading and any trip hazards cannot be fully verified. Large evergreen trees are close to the roof (raises longer-term maintenance/leaf/ice dam risk). No visible foundation cracks or structural sagging in the images provided. Overall exterior upkeep appears good but incomplete visibility of grading and walkways reduces score slightly."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statements are accurate: roof, furnace, central A/C, hot water heater, baths, and kitchen are newly installed.",
"Bedrooms have code-compliant egress windows (not all bedroom photos are provided).",
"Major appliances (stove, refrigerator) are present or will be provided; kitchen photo shows a dishwasher but stove/fridge are not visible.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may not be installed or are not visible and will need confirmation.",
"GFCI protection in kitchen and bathrooms is unknown and requires verification.",
"Electrical service appears intact from exterior photos but the interior electrical panel was not shown; assume it is present and functional unless inspection reveals otherwise.",
"Snow covers grading/walkway details and may hide minor trip hazards; assume standard municipal sidewalk/drive condition.",
"Tree proximity to roof could create maintenance/ice-dam risk over time but no current structural damage is visible."
],
"overall_score": 80.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "Property appears largely renovated and close to turnkey for a Housing Choice Voucher inspection. Interior and exterior cosmetic and system upgrades (new flooring, paint, kitchen, roof, furnace, AC and water heater per listing) indicate most capital items have been addressed. Primary inspection risks are missing/undocumented life-safety items (smoke/CO detectors, GFCI verification), unknown presence of a deadbolt, and the need to clear snow/ice from steps, walkways and deck for safe egress. With installation/verification of detectors, confirmation of GFCI and deadbolt, and routine pre-inspection clearing, this home has a high likelihood of passing an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent renovation: new luxury vinyl plank flooring, fresh paint, trim, new-looking light fixtures and cabinetry visible into the kitchen. Exterior siding and deck appear new. No visible significant cosmetic damage, water stains, or collapsed finishes. Missing appliance evidence is inconclusive but listing states a new kitchen; absence of a visible range/refrigerator in photos reduces score slightly but is not a major failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious exposed wiring, major trip hazards, collapsed ceilings, or structural sagging in photos. Windows appear to be replacement units and likely provide egress but bedroom-view confirmation is incomplete. No smoke detectors or carbon monoxide alarms are visible in interior photos and no deadbolt is apparent on the entry door — these are common Section 8/NSPIRE inspection items that will likely need installation/verification. GFCI protection in kitchen/bath not visible. Small front step has a short handrail on one side (photos show a partial rail) but does not appear to present an immediate hazard. Overall a moderate safety risk driven by lack of visible detectors and unverified GFCI/egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 85.0,
"rationale": "Listing states new roof, new furnace, new central air and new hot water heater; exterior photos show an outdoor AC condenser present and roof appears intact (no visible sagging or damage). Interior shows functioning fixtures and vents visible at baseboard registers. Electrical panel and water heater were not photographed; assumed present and updated per listing. Because several major systems are reported new and visible components look appropriate, systems score is high but not perfect without in-person verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Vinyl siding, gutters and downspouts, foundation perimeter appear in good condition in photos. New rear deck visible with railing. Large evergreen tree overhangs the roof (could increase maintenance risk and potential for storm/limb damage). Snow covers walkways and steps in photos which would need clearing for inspection and safe egress. Yard and site show no obvious standing water, severe grading issues, or infestation signs in photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing description is accurate about 'new' systems (roof, furnace, central air, hot water heater, kitchen). those systems are installed and operational.",
"Bedrooms have appropriately sized egress windows (photos suggest full-height windows but bedroom designation not confirmed).",
"Appliances (stove/refrigerator) may be present though not visible in photos; missing appliances would be an easy-to-fix, non-life-safety issue if absent.",
"Electrical service and panel are intact and meet local code (panel not photographed).",
"No active plumbing leaks, major mold, or foundation movement beyond what is visible in exterior photos.",
"Deck railing and steps are structurally sound though snow covers some details in photos.",
"Smoke and carbon monoxide detectors, GFCI protection, and a deadbolt are not visible in photos and therefore must be verified/installed before inspection."
],
"overall_score": 80.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 3BR ranch appears recently rehabbed and mostly inspection-ready: new roof, HVAC, hot water heater, flooring, baths and kitchen are reported/visible and interiors look clean and finished. Most issues are cosmetic or simple fixes. The primary inspection risks are missing/undocumented life-safety devices (smoke and CO alarms), unverified GFCI protection in kitchen/baths, and bedroom egress compliance which cannot be confirmed from photos. These are typically easy to remedy but should be verified before a HCV/NSPIRE inspection. No major structural, roof collapse, standing water or active electrical hazard is apparent in the photos provided.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 83.0,
"rationale": "Photos and listing describe a full remodel: new luxury vinyl plank flooring, new paint, new baths and new kitchen. Interiors photographed are clean, floors and trim look finished and free of visible damage. Exterior siding and new deck appear in good condition. Minor observable issues: small areas of paint/trim touch-up (scuff marks at baseboards), some loose low-voltage cable/cord along exterior siding, and appliances (stove/fridge) aren’t clearly shown in photos — missing appliances would be an easy-to-fix capital item. Overall cosmetic condition is very good and only minor tenant-ready work would be expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE focus)",
"score": 68.0,
"rationale": "No visible exposed electrical conductors, exterior service and meter appear intact, and interior outlets have cover plates. Listing states new furnace, central air and new hot water heater (reduces HVAC/hot-water safety risk). However essential NSPIRE safety items are not visible in photos: smoke detectors and carbon monoxide alarms not shown, GFCI locations (kitchen/bath) not documented, and interior bedroom egress compliance cannot be confirmed from photos. There is a low-voltage cable loosely attached to siding that should be secured. The front entry has a small step and limited visible handrail; rear deck has railings but step/handrail configuration not fully shown. These are generally fixable but represent inspection risks that should be verified prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 86.0,
"rationale": "Listing explicitly states new roof, new furnace, new central air and new hot water heater; exterior photos show a modern-looking metal roof and an installed exterior AC condenser. No evidence of roof sagging, active leaks, or standing water is visible. Electrical service appears present and intact at the side of the house; plumbing fixtures are visible in photos and appear operable (toilet shown). The electrical panel and detailed plumbing condition are not shown, but the presence of new mechanical equipment and clean interiors indicates systems were recently updated and are likely in good working order."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 79.0,
"rationale": "Siding appears new or recently replaced and in good repair; gutters and downspouts present. New rear deck (with railing) is visible. Yard is flat and appears free of major trip hazards or erosion; driveway/walk conditions cannot be fully assessed because photos were taken in snow. Large evergreen trees are very close to the house which can create future maintenance issues (limb damage, needles in gutters) and potential roof loading during heavy snow — something to monitor. No visible signs of foundation movement or major exterior structural issues in photos."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Listing is accurate that roof, furnace, central air, and hot water heater are new and fully operational.",
"Kitchen appliances (stove/fridge) may be present but are not clearly shown; if missing they would be considered an easy capital expense and not a structural failure.",
"Smoke detectors, CO alarms and required GFCI outlets are not visible in photos and therefore assumed to be not confirmed; they can be installed easily if missing.",
"Interior bedroom windows provide code-compliant egress dimensions — not verifiable from photos and should be measured during inspection.",
"Electrical service and main panel are intact (meter/service shown) though panel condition and labeling are unverified.",
"Snow cover in photos hides walkways/steps and minor exterior conditions (ice dams, small cracks) that could require minor remedial work."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "354 S Barron St, Kenton, OH, 43326",
"aggregate": {
"summary": "Overall the property appears to be in very good, recently remodeled condition and is likely close to Section 8 / NSPIRE rent-ready. New roof, HVAC, water heater, flooring, paint and a new deck significantly reduce inspection risk. The main outstanding verification items for an initial HCV inspection are presence and placement of smoke/CO detectors, GFCI protection in wet areas, appliance presence (if required by owner), and confirmation the electrical panel and bedroom egress meet code. Addressing these checklist items (if missing) is typically quick. Estimated readiness: likely passable with minor fixes or documentation within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 84.3,
"rationale": "Property photos and listing indicate a recent full remodel: new roof, new luxury vinyl flooring, new baths, new paint, new kitchen and new deck. Interior surfaces (walls, trim, flooring) look recently finished with minimal visible cosmetic damage. Exterior siding appears intact. No visible water stains, peeling paint, or significant deferred maintenance. Missing/unseen items: photos do not clearly show major appliances (fridge/stove) though listing implies a new kitchen; absence in photos treated as moderate risk only. Overall condition appears largely turnkey with only minor finish-level touch ups possible."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 79.7,
"rationale": "Siding, trim, windows and gutters appear in good condition; downspouts visible. New rear deck installed. Yard and walkways are covered in snow in the photos so detailed condition of walkways, grading and any trip hazards cannot be fully verified. Large evergreen trees are close to the roof (raises longer-term maintenance/leaf/ice dam risk). No visible foundation cracks or structural sagging in the images provided. Overall exterior upkeep appears good but incomplete visibility of grading and walkways reduces score slightly."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 69.3,
"rationale": "No obvious life-threatening hazards visible: no collapsed ceilings, no exposed wiring, no standing water, no major foundation distress apparent. Exterior entry and back deck appear secure; deck has railing. However several NSPIRE-required items cannot be confirmed from photos: presence and placement of smoke detectors and carbon monoxide alarms, GFCI protection in kitchen/bath, emergency egress compliance for all bedrooms, and presence of a keyed deadbolt on the entry door. Electrical meter/service and panel are not shown (service cable visible and appears intact). Because these mandatory safety items are unknown, a moderate reduction in score was applied despite generally good visible condition."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 85.3,
"rationale": "Listing states new furnace, new central air and new hot water heater; exterior photos show a modern AC condenser in place. Interior photos show functioning plumbing (toilet visible) and vents/baseboard registers. Roof appears recently replaced per listing and photos. No visible signs of active leaks or failing systems. Electrical panel, age of service, and verification of HVAC operation under load cannot be confirmed from images; assumed functional based on listing claims and visible external equipment. Given the recent upgrades, major systems risk is low."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing statements are accurate: roof, furnace, central A/C, hot water heater, baths, and kitchen are newly installed.",
"Bedrooms have code-compliant egress windows (not all bedroom photos are provided).",
"Major appliances (stove, refrigerator) are present or will be provided; kitchen photo shows a dishwasher but stove/fridge are not visible.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may not be installed or are not visible and will need confirmation.",
"GFCI protection in kitchen and bathrooms is unknown and requires verification.",
"Electrical service appears intact from exterior photos but the interior electrical panel was not shown; assume it is present and functional unless inspection reveals otherwise.",
"Snow covers grading/walkway details and may hide minor trip hazards; assume standard municipal sidewalk/drive condition.",
"Tree proximity to roof could create maintenance/ice-dam risk over time but no current structural damage is visible."
],
"score_method": "mean_of_criteria",
"overall_score": 80.0,
"rubric_version": "2026-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4779999401"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.