442 Edwards St, Ada, OH, 45810
Ada, OH
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 75.50%
Confidence: 92.00%
This 3-bed/1-bath single-family appears largely turnkey for Section 8 tenancy with recent interior updates (paint, floors, remodeled kitchen) and a new furnace. Visible safety positives include a hallway smoke detector and secure entry. The most likely inspection concerns are a missing/undocumented carbon monoxide detector (if furnace is gas), limited/one-sided porch handrail that could fail a stair/handrail check, and a few minor electrical/cord-routing issues visible on the exterior/porch and around the range hood. Major systems (roof, siding, heat) show no obvious catastrophic issues from photos. With correction of the safety items listed and verification of GFCI outlets and hot water, the property is likely to pass an initial HCV/NSPIRE inspection after minor fixes (target rent-ready timeline: within 1–4 weeks).
Property Fundamentals
Property Description
WELCOME HOME! Come take a tour of this recently updated 3 bedroom, 1 bath home in the charming village of Ada. Fresh paint, remodeled kitchen, new furnace, and new floor coverings throughout. Don't like the current color choices? No worries. The seller is giving back $3000.00 to the buyer at closing to choose their own color scheme, add an air conditioner, to use as closing cost, or just upgrades. Make an appointment for your personal walk thru today!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
444 Edwards St Apt A
440 Edwards St
427 N Edwards St
425 Edwards St
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416 Edwards St N
Address unavailable
Address unavailable
424 Liberty St
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516 Edwards St
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Properties Used for Comps
Risk and Criteria Detail
Red Flags
- success
- No visible carbon monoxide detector (likely required if furnace is gas).
- Front entry steps/porch have limited handrail coverage; inspector could mark unsafe stairs/insufficient handrail.
- Exterior/interior loose cords (holiday/decoration cords and range hood cord) present — potential electrical hazard if used as permanent wiring.
Assumptions
- The new furnace referenced in the listing is installed and operational; fuel type is not stated. For risk assessment I assume common regional gas furnace may be present.
- No carbon monoxide detector was visible in the provided photos; assume none is installed unless provided by seller.
- Electrical panel, water heater, and GFCI outlets are not visible in the photos; their condition is unknown and assumed typical for a recently updated interior unless otherwise reported.
- Range/stove is electric (as seen in photos) and is assumed functional; refrigerator is not shown and may not be included.
- No evidence of severe hidden conditions (major foundation movement, roof collapse, severe mold) was visible — heavy hidden issues cannot be fully ruled out from photos alone.
- No rental history in the last 5 years per snapshot; rental_history_activity excluded from scoring.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $697 | $48,890 | $17,110 |
| 2024 | $690 | $48,890 | $17,110 |
| 2023 | $689 | $48,890 | $17,110 |
| 2022 | $679 | $41,920 | $14,670 |
| 2021 | $746 | $41,920 | $14,670 |
| 2020 | $967 | $54,090 | $18,930 |
| 2019 | $861 | $48,570 | $17,000 |
| 2018 | $843 | $48,570 | $17,000 |
| 2017 | $824 | $48,570 | $17,000 |
| 2016 | $582 | $35,570 | $12,450 |
| 2015 | $543 | $35,570 | $12,450 |
| 2014 | $533 | $35,570 | $12,450 |
| 2013 | $591 | $37,370 | $13,080 |
| 2012 | $586 | $37,370 | $13,080 |
| 2011 | $570 | $37,370 | $13,080 |
| 2009 | $535 | $34,740 | $12,160 |
| 2008 | $512 | $34,740 | $12,160 |
| 2006 | $476 | $31,800 | $11,130 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-21 | Listed | $139,000 |
| 2025-11-13 | Listed | $139,000 |
| 2025-11-13 | Listed | $139,000 |
| 2024-05-10 | Sold | $105,000 |
| 2003-05-19 | Sold | $50,000 |
Photo Gallery
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"last_status_change_date": "2025-11-13T22:30:31Z"
},
"event_name": "Listed",
"price_sqft": 84.85958485958486,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "308826",
"price_change_percentage": "+32.38%"
},
{
"date": "2025-11-13",
"price": 139000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-13T13:01:32Z",
"list_price": 139000,
"listing_id": "2988498090",
"last_update_date": "2026-02-21T01:15:09Z",
"last_status_change_date": "2025-11-13T13:01:32Z"
},
"event_name": "Listed",
"price_sqft": 84.85958485958486,
"source_name": "ColumbusCORMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "225042850",
"price_change_percentage": null
},
{
"date": "2024-05-10",
"price": 105000,
"listing": {
"status": "sold",
"list_date": "2025-09-20T06:22:16Z",
"list_price": 119900,
"listing_id": "2963826022",
"last_update_date": "2024-09-03T05:22:08Z",
"last_status_change_date": "2025-09-20T06:22:16Z"
},
"event_name": "Sold",
"price_sqft": 64.1025641025641,
"source_name": "WestCentralOH",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "303135",
"price_change_percentage": null
},
{
"date": "2003-05-19",
"price": 50000,
"listing": null,
"event_name": "Sold",
"price_sqft": 30.525030525030527,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "4834519475",
"generated_at": "2026-02-24T22:59:55.434331Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.5
},
"utility_allowance": {
"zip_code": "45810",
"home_photo": "https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m2052642181s-w1280.jpg",
"rent_price": 961.0,
"loan_amount": 111200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/442-Edwards-St_Ada_OH_45810_M48345-19475",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 139000.0,
"loan_term_years": 30,
"annual_cash_flow": 9202.39,
"mortgage_monthly": 739.82,
"payment_standard": 1230.0,
"total_amount_out": 27800.0,
"additional_photos": [
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m3400985417s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m2098220847s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m1658334240s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m1563839800s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m2188159556s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m3464180078s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m1535255087s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m2380060344s-w1280.jpg",
"https://ap.rdcpix.com/52d0616b7bb2e1fa84df131d1c0cd16dl-m27137073s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 38.21,
"monthly_cash_flow": 766.87,
"property_tax_rate": 0.011200000000000002,
"_utility_allowance": {
"sources": [
"https://hancockmetro.com/wp-content/uploads/2025/04/2025-Utility-Allowance-Schedules-effective-8-1-2025.pdf"
],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "The property's heating system is specified as 'Forced Air, Natural Gas', and 'Natural Gas Connected' is listed under utilities.",
"utility": "heating",
"allowance": 75
},
{
"note": "Photos of the kitchen show a smooth-top range, indicating an electric appliance. Electric was chosen over Natural Gas.",
"utility": "cooking",
"allowance": 13
},
{
"note": "The property listing explicitly states 'Electric Water Heater' in the appliances section.",
"utility": "water_heating",
"allowance": 41
},
{
"note": "This is a standard allowance for general electricity use (lights, outlets) not covered by other specific billed utilities.",
"utility": "other_electric",
"allowance": 39
},
{
"note": "The property's water source is listed as 'Public' and 'Supplied Water'.",
"utility": "water",
"allowance": 32
},
{
"note": "The property's sewer connection is specified as 'Public Sewer'.",
"utility": "sewer",
"allowance": 36
},
{
"note": "This is a standard allowance for municipal trash service, which is assumed to be a tenant expense as it is not listed as provided.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "A refrigerator is not shown in the property photos or mentioned in the listing's appliance list, so it is assumed to be tenant-provided.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "The property listing explicitly states 'Cooling: None'.",
"utility": "air_conditioning",
"allowance": 0
},
{
"note": "The property includes a range/oven, so no allowance for a tenant-provided appliance is necessary.",
"utility": "range",
"allowance": 0
}
],
"cash_on_cash_return": 0.33,
"down_payment_amount": 27800.0,
"property_tax_annual": 717.91,
"property_tax_monthly": 59.83,
"property_tax_increase": 0.03,
"utility_allowance_total": 269.0,
"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": 324.59,
"property_management_monthly": 96.1,
"monthly_cash_flow_after_debt": 27.05,
"cash_on_cash_return_after_debt": 0.01
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed/1-bath single-family appears largely turnkey for Section 8 tenancy with recent interior updates (paint, floors, remodeled kitchen) and a new furnace. Visible safety positives include a hallway smoke detector and secure entry. The most likely inspection concerns are a missing/undocumented carbon monoxide detector (if furnace is gas), limited/one-sided porch handrail that could fail a stair/handrail check, and a few minor electrical/cord-routing issues visible on the exterior/porch and around the range hood. Major systems (roof, siding, heat) show no obvious catastrophic issues from photos. With correction of the safety items listed and verification of GFCI outlets and hot water, the property is likely to pass an initial HCV/NSPIRE inspection after minor fixes (target rent-ready timeline: within 1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently updated: fresh paint, new floor coverings, remodeled kitchen and intact cabinetry. Minor exterior cosmetic wear on porch decking and concrete steps is visible. Appliances: an electric range is present; no refrigerator shown (missing fridge in photos) but that is a moderate, easily remedied item. Overall few deferred-maintenance items and mostly cosmetic repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 68.0,
"rationale": "A functioning smoke detector is visible in the hallway (positive). Entry door appears to have a deadbolt and knob. Bedroom windows visible in photos appear operable for egress. No obvious active water intrusion, roof failure, or collapsed ceilings observed. Concerns: no carbon monoxide detector was observed (likely required if furnace is gas), exterior/interior extension cords and a visible hood cord create a minor electrical-hazard appearance, and the front steps have limited rail/guardrail coverage (single short rail visible) which could trigger an inspector item. GFCI presence in kitchen and bathroom is not verifiable from photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states a new furnace (positive for heating reliability) and photos show venting and a newer-looking HVAC register. Kitchen plumbing fixtures and sink appear intact with no visible leaks. Roof and siding appear in serviceable condition from exterior photos. Unknowns: water heater and electrical panel condition are not shown; utility details (fuel type for furnace) are not provided. No signs of active mechanical failure visible."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 75.0,
"rationale": "Vinyl siding and gutters/downspout appear intact; foundation appears typical and stable in photos. Front porch decking is weathered but intact; concrete steps show wear but are functional. There is some surface pooling near the driveway/trash area in one photo, indicating minor grading/drainage that should be monitored. No evidence of major infestation, standing water against foundation, or major exterior structural failure observed."
}
],
"red_flags": [
"No visible carbon monoxide detector (likely required if furnace is gas).",
"Front entry steps/porch have limited handrail coverage; inspector could mark unsafe stairs/insufficient handrail.",
"Exterior/interior loose cords (holiday/decoration cords and range hood cord) present — potential electrical hazard if used as permanent wiring."
],
"confidence": 0.75,
"assumptions": [
"The new furnace referenced in the listing is installed and operational; fuel type is not stated. For risk assessment I assume common regional gas furnace may be present.",
"No carbon monoxide detector was visible in the provided photos; assume none is installed unless provided by seller.",
"Electrical panel, water heater, and GFCI outlets are not visible in the photos; their condition is unknown and assumed typical for a recently updated interior unless otherwise reported.",
"Range/stove is electric (as seen in photos) and is assumed functional; refrigerator is not shown and may not be included.",
"No evidence of severe hidden conditions (major foundation movement, roof collapse, severe mold) was visible — heavy hidden issues cannot be fully ruled out from photos alone.",
"No rental history in the last 5 years per snapshot; rental_history_activity excluded from scoring."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears to be in good, mostly move-in ready condition with recent interior updates (new floors, paint, remodeled kitchen) and a new furnace per the listing. Likely to pass an initial HCV/NSPIRE inspection after a short punch list: verify/install CO alarm if fuel-burning furnace, confirm GFCI protection at kitchen, remove/secure extension cords across entry, confirm bedroom egress dimensions, and provide or confirm refrigerator. No major structural, roof, or active water/intrusion issues are visible. Expect minor repairs and documentation checks; ready for leasing within 1–4 weeks if the small items are addressed and unshown systems (panel, water heater) test OK.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently updated: fresh paint, new floor coverings, remodeled kitchen cabinets and counters. Stove present; refrigerator not shown (missing appliance reduces score moderately). Minor cosmetic/maintenance items visible: weathered porch decking, worn door threshold/paint scuffs, visible cord across threshold from wreath. No visible major interior damage (no collapsed ceilings, large stains, or exposed subfloor). Overall mostly cosmetic and easy-to-fix items."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "Smoke alarm visible in hallway (positive). Entry door has two locks (knob+deadbolt visible). No obvious exposed wiring inside other than an appliance/decoration cord across the door threshold and a hood range cord routed to an outlet — these are correctable. GFCI protection at kitchen sink not verifiable from photos. Carbon monoxide alarm not visible; if furnace is fuel-burning CO alarm required. Bedroom egress windows are present but sizes cannot be confirmed from photos. Porch step has a handrail on one side only; rise count unclear but this may be acceptable if fewer than required risers. These unknowns reduce the safety score until verified/rectified."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing)",
"score": 75.0,
"rationale": "Listing states a new furnace (positive) and kitchen plumbing/fixtures appear in good condition. Electric stove and vent hood present; wiring visible but not obviously hazardous. Water heater and electrical panel not shown — condition assumed functional but unverified. No signs of active roof leaks, major plumbing stains, or failed systems in photos. Cooling (central AC) is not shown; seller offers credit for adding AC. Unverified systems reduce score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Vinyl siding appears intact and in good condition, roof shingles visible look serviceable, foundation appears sound in photos with no visible major cracks. Front porch decking is weathered and shows surface wear; lattice skirting present. Downspout shown directing water away from foundation. Yard and walkways are generally clear; some minor trip potential where cords cross porch entry. No signs of infestation or standing water visible."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"New 'furnace' listed is operational and is the primary heat source; fuel type not specified (gas vs electric).",
"Water heater and electrical panel are present and functional (not shown in photos).",
"Bedrooms have code-compliant egress windows (sizes not verifiable from photos).",
"The visible stove is electric; gas connections are not present/visible. If gas appliances exist, CO alarm may be required.",
"No active roof leaks or hidden structural issues beyond what is visible in photos.",
"Exterior steps appear to have allowable riser count such that a single handrail is acceptable; if risers exceed code thresholds a continuous handrail may be required."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bedroom, 1-bath single-family appears cosmetically updated and mostly rent-ready with a likely good chance to pass an initial HCV/NSPIRE inspection after a short pre-inspection checklist. Strengths: new floor coverings, remodeled kitchen, visible smoke alarm, intact siding/roof, new furnace claimed. Primary items to address prior to inspection: install/verify carbon monoxide alarm (if furnace is gas), secure/repair/complete handrail for front steps as required, remove/replace extension cords and provide permanent receptacle routing, verify GFCI protection at kitchen sink and confirm water heater and electrical panel condition, and provide a refrigerator if landlord intends to supply appliances. Most issues are minor/repair or capital items; no obvious structural collapse or major roof/foundation failure photographed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently refreshed: new floor coverings, painted walls, remodeled kitchen cabinets and counters, intact ceilings and trim. Kitchen stove is present but no refrigerator is visible in photos (reduces readiness moderately). Porch decking shows weathering but appears serviceable; lattice skirt present. Minor cosmetic scuffs on door and threshold and a visible hanging decorative cord on the front door. Overall only cosmetic/finish items and minor appliance provisioning appear needed — easy-to-fix or capital items."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "A working smoke alarm is visible in the hallway (positive). Entry door has knob and deadbolt. No carbon monoxide alarm is visible in photos (if furnace is gas this is an inspection risk). Front entry steps appear to lack a continuous/secondary handrail on the left side and the porch stair may be flagged depending on local inspector (potential stair/handrail deficiency). No obvious active leaks, severe mold, collapsed ceilings, or peeling lead-condition shown. Kitchen outlets and GFCI protection cannot be fully verified from photos; outlet near sink is visible but GFCI status unknown. There are low-level electrical hazards: multiple extension/decoration cords draped across the door threshold and a hanging hood/vent cord visible — needs tidy/secure routing or permanent receptacles. These safety items are moderate risk but generally fixable before inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states a new furnace; interior photos show a thermostat/return grille indicating forced-air heating likely present. No central air conditioning visible (listing offers allowance for an A/C). Water heater, main electrical panel, and plumbing distribution are not shown and could not be inspected; no visible water intrusion or active roof issues in exterior photos. Stove is electric and appears installed; range hood is present though its venting type (ducted vs recirculating) and professional installation should be confirmed. Given the new furnace claim and visually intact roof/exterior, systems risk is moderate but requires verification of water heater, electrical panel condition, hot water operation, and presence of CO alarm if furnace is gas."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Vinyl siding and roof appear in serviceable condition with no obvious sagging or open penetrations visible in photos. Foundation (exposed masonry) looks intact from available angles. Downspout visible and appears routed to grade on one side. Porch decking and concrete steps show normal wear; stair handrail coverage is incomplete (only one side) which may be cited depending on local rules. Yard shows seasonal puddling but no standing water threatening the structure visible in images. Overall exterior is tidy and presents low-to-moderate maintenance needs."
}
],
"red_flags": [
"Insufficient front stair handrail / potential unsafe stairs (may be cited depending on inspector/local code).",
"Electrical hazards: decorative/extension cords draped across door threshold and hanging cords from front wreath and range hood — requires permanent safe routing.",
"No carbon monoxide alarm visible in photos (if furnace is gas this is an NSPIRE failure requirement to install CO alarm prior to occupancy)."
],
"confidence": 0.7,
"assumptions": [
"The listed 'new furnace' is installed and operational (thermostat and return grille visible), assumed to be the primary heat source.",
"No central air conditioning is present (listing offer $3,000 to add an air conditioner).",
"Water heater, main electrical panel and service, and sewer/drain function are present but were not photographed and therefore their condition is unverified.",
"Bedrooms have functioning egress windows of an acceptable size (windows are visible in bedroom shots but full dimensions not provided).",
"Stove (electric) is present and assumed operable based on photos; refrigerator is not shown and is assumed not included.",
"No major roof leaks or foundation movement are present beyond what is visible in exterior photos; photos show no obvious sagging or large cracks.",
"GFCI protection at kitchen sink and other required receptacles was not clearly visible and must be verified on-site."
],
"overall_score": 74.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "442 Edwards St, Ada, OH, 45810",
"aggregate": {
"summary": "This 3-bed/1-bath single-family appears largely turnkey for Section 8 tenancy with recent interior updates (paint, floors, remodeled kitchen) and a new furnace. Visible safety positives include a hallway smoke detector and secure entry. The most likely inspection concerns are a missing/undocumented carbon monoxide detector (if furnace is gas), limited/one-sided porch handrail that could fail a stair/handrail check, and a few minor electrical/cord-routing issues visible on the exterior/porch and around the range hood. Major systems (roof, siding, heat) show no obvious catastrophic issues from photos. With correction of the safety items listed and verification of GFCI outlets and hot water, the property is likely to pass an initial HCV/NSPIRE inspection after minor fixes (target rent-ready timeline: within 1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.7,
"rationale": "Interior appears recently updated: fresh paint, new floor coverings, remodeled kitchen and intact cabinetry. Minor exterior cosmetic wear on porch decking and concrete steps is visible. Appliances: an electric range is present; no refrigerator shown (missing fridge in photos) but that is a moderate, easily remedied item. Overall few deferred-maintenance items and mostly cosmetic repairs."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 76.0,
"rationale": "Vinyl siding and gutters/downspout appear intact; foundation appears typical and stable in photos. Front porch decking is weathered but intact; concrete steps show wear but are functional. There is some surface pooling near the driveway/trash area in one photo, indicating minor grading/drainage that should be monitored. No evidence of major infestation, standing water against foundation, or major exterior structural failure observed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 69.3,
"rationale": "A functioning smoke detector is visible in the hallway (positive). Entry door appears to have a deadbolt and knob. Bedroom windows visible in photos appear operable for egress. No obvious active water intrusion, roof failure, or collapsed ceilings observed. Concerns: no carbon monoxide detector was observed (likely required if furnace is gas), exterior/interior extension cords and a visible hood cord create a minor electrical-hazard appearance, and the front steps have limited rail/guardrail coverage (single short rail visible) which could trigger an inspector item. GFCI presence in kitchen and bathroom is not verifiable from photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 73.3,
"rationale": "Listing states a new furnace (positive for heating reliability) and photos show venting and a newer-looking HVAC register. Kitchen plumbing fixtures and sink appear intact with no visible leaks. Roof and siding appear in serviceable condition from exterior photos. Unknowns: water heater and electrical panel condition are not shown; utility details (fuel type for furnace) are not provided. No signs of active mechanical failure visible."
}
],
"red_flags": [
"No visible carbon monoxide detector (likely required if furnace is gas).",
"Front entry steps/porch have limited handrail coverage; inspector could mark unsafe stairs/insufficient handrail.",
"Exterior/interior loose cords (holiday/decoration cords and range hood cord) present — potential electrical hazard if used as permanent wiring."
],
"confidence": 0.92,
"assumptions": [
"The new furnace referenced in the listing is installed and operational; fuel type is not stated. For risk assessment I assume common regional gas furnace may be present.",
"No carbon monoxide detector was visible in the provided photos; assume none is installed unless provided by seller.",
"Electrical panel, water heater, and GFCI outlets are not visible in the photos; their condition is unknown and assumed typical for a recently updated interior unless otherwise reported.",
"Range/stove is electric (as seen in photos) and is assumed functional; refrigerator is not shown and may not be included.",
"No evidence of severe hidden conditions (major foundation movement, roof collapse, severe mold) was visible — heavy hidden issues cannot be fully ruled out from photos alone.",
"No rental history in the last 5 years per snapshot; rental_history_activity excluded from scoring."
],
"score_method": "mean_of_criteria",
"overall_score": 75.5,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4834519475"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.