Property ID: 4898989555
219 W Carrol St, Kenton, OH, 43326
Kenton, OH
Money Down: $39,600
CoC Return: -10.59%
Monthly Cash Flow: $-349
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$33,000
Closing Costs
$6,600
Total Down
$39,600
Investment Snapshot
Purchase Price
$165,000
Money Down
$39,600
Cash-on-Cash Return
-10.59%
Rent
$755
Monthly Cash Flow
$-349
Annual Cash Flow
$-4,193
Debt Service / Mo
$878
Property Tax / Mo
$109
Insurance / Mo
$41
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$755
Payment Standard
$973
Rent
$755
Insurance
$41
Property Tax
$109
Management
$76
Utilities Allowance
$218
NOI (Monthly)
$529
Debt Service
$878
Cash Flow After Debt
$-349
Quality Score: 71.40%
Confidence: 87.00%
This 2-bed single-family appears likely to pass an initial HCV/NSPIRE inspection after minor repairs and verification of key safety items. Strengths: refinished hardwoods, updated bathrooms, newer furnace and metal roof (listed), solid exterior footprint and updated sidewalk/drainage. Primary items to address before inspection: repair/replace deteriorated porch soffit/beam, repair the ceiling crack and verify no active water intrusion, install/verify smoke and CO detectors, add a handrail on the front steps, and confirm required GFCI outlets in kitchen/baths and operational hot water and heating. With these targeted actions the property should be rent-ready within ~1–3 weeks (assuming contractor availability for porch/ceiling work).
Section 8 Payment Standard
$973
Utility Allowance Total
$218
Guaranteed Section 8 Rent (PS - Utilities)
$755
Property Management
$76
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$165,000
Beds
2
Baths
2
Living Area
1,584 sqft
Lot Size
3,049 sqft
Year Built
—
Days on Market
44
Capital Outlay
$39,600
Debt Service
$878
Property Tax / Mo
$109
Insurance / Mo
$41
Property Description
Brimming with character and thoughtful updates, this home offers the perfect blend of comfort, functionality, and long-term value. Rich hardwood floors, beautifully refinished in 2022, anchor the bright and inviting living spaces, while the well-designed layout creates an effortless flow for everyday living and entertaining. The kitchen is equipped with gas service and a gas range, ideal for those who enjoy cooking, and both bathrooms have been tastefully refreshed with updated flooring, sinks, lighting, and fixtures for a clean, modern feel. Recent improvements--including a durable metal roof, newer furnace, new porch, improved drainage system, and updated sidewalk--provide peace of mind and enhance the home's overall appeal. The freshly painted and trimmed pantry adds an extra touch of polish to the kitchen area. Step outside to a generously sized backyard offering ample space for gardening, recreation, or simply relaxing outdoors. With its combination of charm, meaningful updates, and a serene setting, this home is ready to provide comfort and enjoyment for years to come.
Utility Allowances
heating
$61
Selected 'natural_gas' as the property description mentions 'gas service' and a 'newer furnace', indicating natural gas heating.
cooking
$10
Selected 'natural_gas' as the property description explicitly mentions the kitchen is 'equipped with gas service and a gas range'.
water_heating
$27
Selected 'natural_gas' as the property has gas service for other appliances, and photos suggest a gas water heater.
other_electric
$32
This is a standard fixed allowance for general electricity usage (lights, outlets, and central air fan) in a 2-bedroom home.
water
$26
The property's utility details state the water source is 'Public'.
sewer
$29
The property's utility details state it uses a 'Public Sewer'.
trash_collection
$25
This is a standard fixed allowance for trash collection, assumed to be a tenant expense.
refrigerator
$8
A refrigerator is not explicitly listed as a provided appliance; therefore, this allowance is for a tenant-owned refrigerator.
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$452
DP3 Annual Estimate$539
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$45
Replacement Value$80,830
Basis1,584 sqft / 1980
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Ceiling crack / possible localized ceiling sag (needs evaluation for structural or past water intrusion).
- Porch soffit/beam with peeling/wood deterioration requiring repair (potential structural/rot concern).
- No visible smoke detectors or carbon monoxide alarms in provided interior photos (required for HCV inspections).
- Front exterior step has no handrail (unsafe stairs / missing guardrail at entry).
Assumptions
- Listing statement that roof is a replaced metal roof and furnace is newer is accurate and both are in good working order.
- Kitchen has a gas range as stated in the listing (kitchen appliances not pictured in provided photos).
- No active leaks or major hidden water damage beyond the photographed ceiling crack; ceiling issue may be cosmetic but requires inspection.
- Electrical panel, circuit integrity, and plumbing are typical for a maintained home unless a site inspection finds otherwise (not visible in photos).
- Bedrooms have egress windows (large double-hung windows visible in living areas suggest similar window types in bedrooms).
- No recent rental activity in last 5 years (rental_history_last_5y status is 'missing'), so rental history cannot be used as a positive factor.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,275 | $83,920 | $29,370 |
| 2024 | $1,283 | $83,920 | $29,370 |
| 2023 | $1,203 | $83,920 | $29,370 |
| 2022 | $1,219 | $74,860 | $26,200 |
| 2021 | $1,224 | $74,860 | $26,200 |
| 2020 | $1,062 | $74,860 | $26,200 |
| 2019 | $844 | $61,290 | $21,450 |
| 2018 | $845 | $61,290 | $21,450 |
| 2017 | $832 | $61,290 | $21,450 |
| 2016 | $631 | $48,250 | $16,890 |
| 2015 | $608 | $48,250 | $16,890 |
| 2014 | $606 | $48,250 | $16,890 |
| 2013 | $680 | $52,050 | $18,220 |
| 2012 | $676 | $52,050 | $18,220 |
| 2011 | $681 | $52,050 | $18,220 |
| 2009 | $641 | $56,370 | $19,730 |
| 2008 | $621 | $56,370 | $19,730 |
| 2006 | $612 | $53,770 | $18,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2006-02-15 | Sold | $60,950 |
Photo Gallery
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"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Overall interior finishes appear in good cosmetic condition: refinished hardwood floors (2022) and updated baths per listing. Exterior vinyl siding largely intact and porch painted. Visible deferred items are limited: peeling/rot on porch soffit/beam, algae staining at siding base, and some minor exterior trim wear. Interior shows a ceiling crack in the main living area that will need evaluation/repair (cosmetic patching vs hidden water damage). Listing indicates gas range present so missing appliances are not expected. These are mostly easy-to-moderate repairs and cosmetic work rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious exposed wiring, major trip hazards, or blocked exits visible in photos. Entry door appears secure with a keypad/deadbolt. Bedroom egress windows appear to be present (large double-hung windows). However, no smoke detectors or CO alarms are visible in photos (required), GFCI outlets not shown (kitchen/bath compliance unknown), and the front exterior step lacks a handrail (potential unsafe stairs hazard). The ceiling crack may indicate prior water intrusion; that raises inspection risk until verified. Because many safety items are not visible in listing photos, this score assumes typical code compliance is absent until confirmed and reflects moderate NSPIRE risk requiring 1–2 targeted fixes."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 70.0,
"rationale": "Listing states a newer furnace and a durable metal roof (recent), and vents/registers are visible in photos which supports an existing forced-air system. No water heater, electrical panel, or HVAC equipment photos were provided. No visible signs of active roof leaks or major plumbing failure in photos. Given the seller notes (metal roof, newer furnace, improved drainage), assume major systems are serviceable but recommend verification (operational furnace, hot water, electrical panel condition, plumbing tests). Score reflects probable functioning systems but with moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Exterior shows an updated sidewalk and improved drainage per listing, a generous backyard and a gravel driveway. Siding is intact though has algae staining at lower edges. Porch columns and stone piers appear structurally sound but the soffit/beam paint peeling and localized wood deterioration need attention. Walkway and site appear safe with no standing water visible. Overall the site is serviceable with a few targeted exterior repairs."
}
],
"red_flags": [
"Ceiling crack / possible localized ceiling sag (needs evaluation for structural or past water intrusion).",
"Porch soffit/beam with peeling/wood deterioration requiring repair (potential structural/rot concern).",
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (required for HCV inspections).",
"Front exterior step has no handrail (unsafe stairs / missing guardrail at entry)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof is a replaced metal roof and furnace is newer is accurate and both are in good working order.",
"Kitchen has a gas range as stated in the listing (kitchen appliances not pictured in provided photos).",
"No active leaks or major hidden water damage beyond the photographed ceiling crack; ceiling issue may be cosmetic but requires inspection.",
"Electrical panel, circuit integrity, and plumbing are typical for a maintained home unless a site inspection finds otherwise (not visible in photos).",
"Bedrooms have egress windows (large double-hung windows visible in living areas suggest similar window types in bedrooms).",
"No recent rental activity in last 5 years (rental_history_last_5y status is 'missing'), so rental history cannot be used as a positive factor."
],
"overall_score": 70.0,
"rubric_version": "2026-02-hcv-nspire-v1"
},
{
"summary": "Overall this single-family home appears likely to pass a Housing Choice Voucher (Section 8 / NSPIRE) initial inspection after completing a small list of typical, primarily minor items. Strengths: metal roof, newer furnace, refinished hardwoods, refreshed bathrooms, intact siding and foundation visually. Likely required corrections prior to passing: install/verify smoke detectors and carbon monoxide alarms, confirm GFCI protection in kitchen/baths, repair/replace deteriorated porch soffit/trim, address the ceiling crack if it indicates active movement, and verify hot water and electrical panel functionality. Time-to-rent readiness: minor repairs and safety device installations — likely rent-ready within 1–4 weeks depending on verification and small repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos plus listing indicate recent meaningful updates: hardwood floors refinished (2022), bathrooms refreshed, kitchen pantry painted, metal roof noted, and a newer furnace. Visible surfaces (floors, trim, windows) are generally in good cosmetic condition. Observable deferred items are limited to peeling/rot at the porch soffit/trim and areas of exterior mildew/staining on siding, plus a hairline ceiling crack in the living area. Missing photos of kitchen appliances (fridge) but listing states gas range present — missing appliances would be an easy-to-fix capital item and do not heavily penalize score. Overall mostly cosmetic/minor repairs needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the provided interior photos; these are commonly required for HCV/NSPIRE and would likely be cited if absent. Gas service and a gas range are indicated by the listing (CO alarms required). No exposed wiring or open electrical hazards are visible; stair handrail and balusters are present. Bedroom egress cannot be fully confirmed from photos but second-floor windows appear typical for bedrooms. GFCI protection in kitchen and baths, electrical panel integrity, and hot water availability are not shown. The most probable inspection items: install/verify smoke detectors and CO alarm placement, confirm GFCI receptacles, and verify working hot water and functioning plumbing. These are generally fixable but will be cited if missing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/plumbing/electrical)",
"score": 75.0,
"rationale": "Listing states a durable metal roof and newer furnace (both positive indicators). Roof appears intact in exterior photos; no visible sagging or large damaged areas. No HVAC equipment (AC condenser) photo, but presence of a newer furnace suggests heating is functional. Water heater, plumbing fixtures and electrical panel were not photographed; bathrooms described as refreshed which suggests plumbing is serviceable. No visible signs of active leaks or plumbing failure in photos. Given the listing claims and lack of visible system distress, systems appear in fair-to-good condition, but missing visual confirmation of hot water, GFCI and electrical panel reduce score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Lot and site show updated sidewalk and improved drainage per listing; driveway and yard appear serviceable with generous backyard space. Siding is intact overall; however there is visible paint peeling and possible wood rot at porch soffit/trim that will need repair to prevent further deterioration. Foundation appears visually stable from street-level photos with no obvious large cracks or settlement. Walkways and entry are accessible; porch guard/rail is present. Overall exterior/site is in good condition with localized maintenance required."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in interior photos — will likely be cited if absent.",
"Visible peeling and wood deterioration at porch soffit/trim — possible localized rot/moisture intrusion that requires repair.",
"Hairline ceiling crack in main living area — needs evaluation to rule out active structural movement (could be cosmetic but should be confirmed)."
],
"confidence": 0.75,
"assumptions": [
"Listing statements are accurate: property has a metal roof and newer furnace as described.",
"Gas range is present in the kitchen (listing notes gas service and a gas range).",
"Bedrooms have compliant egress windows typical for two-bedroom homes (not fully visible in photos).",
"No active interior mold, active roof leaks, or major hidden structural issues beyond the minor ceiling crack and porch trim deterioration visible in photos.",
"Electrical panel, hot water heater, and plumbing are present and functional unless noted otherwise; GFCI and smoke/CO devices are not visible in photos and should be confirmed/installed."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "This 2-bed single-family appears largely rent-ready with several recent meaningful upgrades (metal roof, newer furnace, refinished hardwoods, updated bathrooms, improved drainage). Major systems are likely functional based on the listing, and the interior finishes look good. Primary issues to address before an initial HCV/NSPIRE inspection: confirm and/or install required smoke and CO detectors, install/verify GFCI protection in kitchen/bath, repair/replace deteriorated porch fascia/trim and address the visible living-room ceiling crack. These items are mostly minor-to-moderate repairs; with the noted fixes and verification of mechanicals (water heater, electrical panel/GFCI), the house should pass inspection and be ready to rent within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior finishes appear in generally good condition: hardwood floors recently refinished (2022) and updated bathrooms per listing. Cosmetic wear is minimal. Exterior vinyl siding and freshly painted porch floor look serviceable. Observable repair items: localized wood rot/exposed wood at porch fascia/beam and some weathering on porch column bases and trim that will need carpentry and paint. Ceiling crack/line in the main living room is visible and should be evaluated/rewired/repaired (appears more cosmetic but could indicate prior settlement). Missing/unclear images of kitchen appliances and some fixtures — listing states gas range present. Overall mostly cosmetically ready; porch fascia and ceiling repair are the main visible tasks (easy-to-fix to moderate)."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE code risk",
"score": 60.0,
"rationale": "No obvious exposed wiring, stairs have intact balustrade and interior handrail, entry door has a deadbolt/keypad. However no smoke detectors or CO alarms are visible in photos (HUD/NSPIRE requires detectors on each level and outside sleeping areas) — this is commonly an inspection fail if absent. Porch fascia rot could become a falling/debris hazard if not corrected. GFCI outlets in kitchen/baths not visible; must be verified/installed. Windows appear to be operable double-hungs likely providing egress, but bedroom egress not explicitly shown. Plumbing fixtures and hot water not shown; listing indicates updated bathrooms. Given these unknowns and the visible porch deterioration and ceiling crack, the property has moderate safety risk that can be remediated quickly."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/plumbing/electrical)",
"score": 70.0,
"rationale": "Listing states a durable metal roof and newer furnace — both strong positives and reduce risk of major systems failure. Interior shows floor vents consistent with central heat. No water heater, electrical panel, or HVAC equipment shown; condition must be verified. No signs of active leaks, standing water, or major roof failure in photos. Because key systems are reported as updated but not visible in photos, score reflects probable good condition tempered by lack of documentation of water heater and electrical panel/GFCI."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and access",
"score": 70.0,
"rationale": "House sits on a well-maintained lot with updated sidewalk and apparent improved drainage per listing. Vinyl siding generally intact though shows some mildew/dirt. Driveway/side yard is gravel but usable. Front porch is functional but shows rot at fascia/beam ends; steps and low porch railing appear intact but should be checked for secure guardrail height. No visible foundation cracking or standing water. Overall exterior is serviceable with targeted porch repairs recommended."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos (required and could cause immediate inspection fail).",
"Visible porch fascia/soffit wood deterioration (rot/exposed wood) — potential falling/debris and safety hazard if left unaddressed.",
"Crack/line in main living room ceiling — requires evaluation to rule out structural or water-intrusion issues.",
"GFCI protection in kitchen/bathrooms not visible — must be verified/installed to meet code/NSPIRE expectations."
],
"confidence": 0.72,
"assumptions": [
"Listing is accurate: property has a newer furnace and a metal roof as stated.",
"Gas range and updated bathrooms exist as described in the listing even though not explicitly visible in provided photos.",
"No electrical panel or water heater issues exist beyond typical wear (these systems were not photographed and should be verified).",
"Windows shown provide required bedroom egress; bedroom-level window details were not photographed but are assumed standard for this home type.",
"Ceiling crack is from minor settlement/finish cracking rather than active structural failure (no sagging or displaced framing visible in photos).",
"Missing smoke/CO detectors and GFCI outlets are not present or not visible and will need installation or verification prior to inspection."
],
"overall_score": 69.0,
"rubric_version": "2026-02-24_ns_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "219 W Carrol St, Kenton, OH, 43326",
"aggregate": {
"summary": "This 2-bed single-family appears likely to pass an initial HCV/NSPIRE inspection after minor repairs and verification of key safety items. Strengths: refinished hardwoods, updated bathrooms, newer furnace and metal roof (listed), solid exterior footprint and updated sidewalk/drainage. Primary items to address before inspection: repair/replace deteriorated porch soffit/beam, repair the ceiling crack and verify no active water intrusion, install/verify smoke and CO detectors, add a handrail on the front steps, and confirm required GFCI outlets in kitchen/baths and operational hot water and heating. With these targeted actions the property should be rent-ready within ~1–3 weeks (assuming contractor availability for porch/ceiling work).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 76.7,
"rationale": "Overall interior finishes appear in good cosmetic condition: refinished hardwood floors (2022) and updated baths per listing. Exterior vinyl siding largely intact and porch painted. Visible deferred items are limited: peeling/rot on porch soffit/beam, algae staining at siding base, and some minor exterior trim wear. Interior shows a ceiling crack in the main living area that will need evaluation/repair (cosmetic patching vs hidden water damage). Listing indicates gas range present so missing appliances are not expected. These are mostly easy-to-moderate repairs and cosmetic work rather than major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.7,
"rationale": "Exterior shows an updated sidewalk and improved drainage per listing, a generous backyard and a gravel driveway. Siding is intact though has algae staining at lower edges. Porch columns and stone piers appear structurally sound but the soffit/beam paint peeling and localized wood deterioration need attention. Walkway and site appear safe with no standing water visible. Overall the site is serviceable with a few targeted exterior repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "No obvious exposed wiring, major trip hazards, or blocked exits visible in photos. Entry door appears secure with a keypad/deadbolt. Bedroom egress windows appear to be present (large double-hung windows). However, no smoke detectors or CO alarms are visible in photos (required), GFCI outlets not shown (kitchen/bath compliance unknown), and the front exterior step lacks a handrail (potential unsafe stairs hazard). The ceiling crack may indicate prior water intrusion; that raises inspection risk until verified. Because many safety items are not visible in listing photos, this score assumes typical code compliance is absent until confirmed and reflects moderate NSPIRE risk requiring 1–2 targeted fixes."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 71.7,
"rationale": "Listing states a newer furnace and a durable metal roof (recent), and vents/registers are visible in photos which supports an existing forced-air system. No water heater, electrical panel, or HVAC equipment photos were provided. No visible signs of active roof leaks or major plumbing failure in photos. Given the seller notes (metal roof, newer furnace, improved drainage), assume major systems are serviceable but recommend verification (operational furnace, hot water, electrical panel condition, plumbing tests). Score reflects probable functioning systems but with moderate uncertainty."
}
],
"red_flags": [
"Ceiling crack / possible localized ceiling sag (needs evaluation for structural or past water intrusion).",
"Porch soffit/beam with peeling/wood deterioration requiring repair (potential structural/rot concern).",
"No visible smoke detectors or carbon monoxide alarms in provided interior photos (required for HCV inspections).",
"Front exterior step has no handrail (unsafe stairs / missing guardrail at entry)."
],
"confidence": 0.87,
"assumptions": [
"Listing statement that roof is a replaced metal roof and furnace is newer is accurate and both are in good working order.",
"Kitchen has a gas range as stated in the listing (kitchen appliances not pictured in provided photos).",
"No active leaks or major hidden water damage beyond the photographed ceiling crack; ceiling issue may be cosmetic but requires inspection.",
"Electrical panel, circuit integrity, and plumbing are typical for a maintained home unless a site inspection finds otherwise (not visible in photos).",
"Bedrooms have egress windows (large double-hung windows visible in living areas suggest similar window types in bedrooms).",
"No recent rental activity in last 5 years (rental_history_last_5y status is 'missing'), so rental history cannot be used as a positive factor."
],
"score_method": "mean_of_criteria",
"overall_score": 71.4,
"rubric_version": "2026-02-hcv-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4898989555"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.