Property ID: 4934137883
329 W Melrose Ave, Findlay, OH, 45840
Findlay, OH
Money Down: $36,600
CoC Return: -5.84%
Monthly Cash Flow: $-178
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$30,500
Closing Costs
$6,100
Total Down
$36,600
Investment Snapshot
Purchase Price
$152,500
Money Down
$36,600
Cash-on-Cash Return
-5.84%
Rent
$901
Monthly Cash Flow
$-178
Annual Cash Flow
$-2,136
Debt Service / Mo
$812
Property Tax / Mo
$129
Insurance / Mo
$48
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$901
Payment Standard
$1,127
Rent
$901
Insurance
$48
Property Tax
$129
Management
$90
Utilities Allowance
$226
NOI (Monthly)
$634
Debt Service
$812
Cash Flow After Debt
$-178
Quality Score: 85.20%
Confidence: 95.00%
This is a well-updated 2-bed ranch with recent major system replacements (roof, HVAC, hot water, plumbing) and an updated kitchen and bath. Photos and listing notes indicate a turnkey condition with only minor cosmetic repairs and typical exterior wear. The most likely Section 8/NSPIRE inspection issues to verify before listing are presence/location of a working carbon monoxide alarm (required for gas appliances), GFCI protection at kitchen/bath outlets, and electrical panel condition. If those are in place, the property is likely to pass an initial HCV inspection with minimal corrections.
Section 8 Payment Standard
$1,127
Utility Allowance Total
$226
Guaranteed Section 8 Rent (PS - Utilities)
$901
Property Management
$90
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$152,500
Beds
2
Baths
1
Living Area
850 sqft
Lot Size
6,534 sqft
Year Built
1955
Days on Market
55
Capital Outlay
$36,600
Debt Service
$812
Property Tax / Mo
$129
Insurance / Mo
$48
Property Description
Move-in ready full brick ranch offering comfort, updates, and easy living! The inviting living room features beautiful hardwood flooring, which continues into both bedrooms. The updated kitchen and bathroom making them fresh and functional. Extensive updates provide peace of mind: since 2019 - roof, furnace, central air, deck, overhead garage door, hot water heater, and plumbing in the crawl space. Additional improvements since 2021 include a new outside electric meter, updated lighting throughout, blinds, Bath Fitter shower, toilet, and an air scrubber added to the furnace. In 2025, the dishwasher, microwave, and kitchen flooring were replaced. The attached garage includes a workbench, perfect for hobbies or storage. A well-maintained home with major updates already completed, ready for its next owner!
Utility Allowances
Heating
$61
Property data explicitly lists 'Natural Gas' for heating. The allowance is for a 2-bedroom unit.
Cooking
$10
Property data lists a 'Gas Range'. The allowance for natural gas cooking in a 2-bedroom unit is selected.
Water Heating
$27
Fuel type is inferred to be Natural Gas, consistent with the home's heating system. The 2-bedroom allowance is selected.
Other Electric
$32
This is a standard fixed allowance for general electricity usage (lights, small appliances) for a 2-bedroom unit.
Water
$26
The property is connected to a public water source. The allowance corresponds to a 2-bedroom unit.
Sewer
$29
The property is connected to a public sewer system. The allowance corresponds to a 2-bedroom unit.
Trash Collection
$25
Standard fixed allowance for trash service for a single-family home.
Refrigerator
$8
Appliance is assumed to be tenant-provided per instructions, and the schedule has a specific allowance for a 2-bedroom unit.
Range
$8
Included as this is a separate, fixed line item on the utility schedule for a 2-bedroom unit.
Air Conditioning
$0
The property has Central Air, but the utility allowance schedule provides a null value for this utility, resulting in a $0 allowance.
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$567
DP3 Annual Estimate$593
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$49
Replacement Value$102,110
Basis850 sqft / 1955
Nearby Houses
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331 W Melrose Ave
sold · 0.01 mi
Price: $152,500
3 bd / 1 ba · 1,242 sqft
Latest sale: $152,500 on Sep 07, 2021
Latest rent: —
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338 Edith Ave
sold · 0.03 mi
Price: $105,000
2 bd / 1 ba · 979 sqft
Latest sale: $105,000 on Oct 31, 2024
Latest rent: $1,400 on Jan 15, 2025
Photo unavailable
324 W Melrose Ave
sold · 0.03 mi
Price: $225,000
3 bd / 2 ba · 1,206 sqft
Latest sale: $225,000 on Oct 16, 2025
Latest rent: —
Photo unavailable
315 W Melrose Ave
for_sale · 0.04 mi
Price: $239,900
3 bd / 1 ba · 1,542 sqft
Latest sale: $195,000 on Apr 09, 2024
Latest rent: —
Photo unavailable
314 Edith Ave
sold · 0.05 mi
Price: $115,900
3 bd / 2 ba · 1,395 sqft
Latest sale: $115,900 on Aug 12, 2020
Latest rent: —
Photo unavailable
308 Edith Ave
sold · 0.06 mi
Price: $182,500
3 bd / 1 ba · 1,116 sqft
Latest sale: $182,500 on Aug 15, 2025
Latest rent: $1,200 on Dec 02, 2022
Photo unavailable
409 W Melrose Ave
sold · 0.06 mi
Price: $187,500
3 bd / 2 ba · 1,696 sqft
Latest sale: $187,500 on May 16, 2024
Latest rent: —
Photo unavailable
325 Edith Ave
sold · 0.06 mi
Price: $154,000
3 bd / 1 ba · 1,599 sqft
Latest sale: $154,000 on May 06, 2019
Latest rent: —
Photo unavailable
305 W Melrose Ave
sold · 0.06 mi
Price: $158,000
2 bd / 1 ba · 1,376 sqft
Latest sale: $158,000 on Mar 18, 2025
Latest rent: —
Photo unavailable
319 Edith Ave
sold · 0.07 mi
Price: $114,800
3 bd / 1 ba · 975 sqft
Latest sale: $114,800 on Jun 29, 2018
Latest rent: $1,240 on Aug 23, 2022
Photo unavailable
408 Edith Ave
sold · 0.07 mi
Price: $125,000
2 bd / 1 ba · 1,040 sqft
Latest sale: $125,000 on Jun 25, 2021
Latest rent: —
Photo unavailable
301 W Melrose Ave
sold · 0.07 mi
Price: $145,000
3 bd / 2 ba · 1,386 sqft
Latest sale: $145,000 on Aug 11, 2021
Latest rent: —
Photo unavailable
414 W Melrose Ave
sold · 0.08 mi
Price: $134,000
3 bd / 1 ba · 1,256 sqft
Latest sale: $134,000 on Dec 29, 2020
Latest rent: —
Photo unavailable
303 Elizabeth Ave
sold · 0.08 mi
Price: $193,000
3 bd / 1 ba · 1,092 sqft
Latest sale: $193,000 on Jan 31, 2024
Latest rent: —
Photo unavailable
318 Elizabeth Ave
sold · 0.09 mi
Price: $125,300
3 bd / 1 ba · 1,094 sqft
Latest sale: $125,300 on Oct 09, 2020
Latest rent: —
Photo unavailable
312 Elizabeth Ave
sold · 0.09 mi
Price: $195,000
4 bd / 2 ba · 1,458 sqft
Latest sale: $195,000 on Jan 25, 2024
Latest rent: —
Photo unavailable
2001 Anna St
sold · 0.09 mi
Price: $68,000
2 bd / 1 ba · 892 sqft
Latest sale: $68,000 on Oct 11, 2017
Latest rent: —
Photo unavailable
308 Elizabeth Ave
sold · 0.10 mi
Price: $115,000
3 bd / 1 ba · 1,209 sqft
Latest sale: $115,000 on May 09, 2018
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing notes about system replacements (roof, furnace/central air, hot water heater, plumbing in crawlspace, outside electric meter) are accurate and reflect functional installations.
- Smoke detector visible in photos is operational; additional required detectors (bedrooms/hall) are present though not photographed.
- Bedroom egress is assumed acceptable based on window sizes and single-story layout but not directly photographed.
- Electrical panel condition and exact presence of GFCI outlets were not photographed; assume typical updates associated with a replaced outside meter but treat as unverified.
- No active plumbing leaks, major mold, or hidden structural defects beyond small cosmetic ceiling cracks, inferred from lack of visible stains or sagging in photos.
- Front entry door lock exists and secures; presence of a deadbolt is not confirmed in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,502 | $138,410 | $48,440 |
| 2023 | $1,474 | $116,210 | $40,680 |
| 2022 | $1,449 | $116,210 | $40,680 |
| 2021 | $1,334 | $93,670 | $32,785 |
| 2020 | $978 | $93,670 | $32,785 |
| 2018 | $909 | $77,520 | $27,132 |
| 2017 | $799 | $77,520 | $27,132 |
| 2016 | $799 | $77,520 | $27,132 |
| 2015 | $500 | $57,690 | $20,192 |
| 2014 | $500 | $57,690 | $20,192 |
| 2013 | $500 | $57,690 | $20,192 |
| 2012 | $367 | $48,870 | $17,110 |
| 2011 | $773 | $48,870 | $17,110 |
| 2010 | $1,239 | $48,870 | $17,110 |
| 2009 | $869 | $59,740 | $20,910 |
| 2008 | $788 | $59,740 | $20,910 |
| 2007 | $785 | $59,740 | $20,910 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-05-14 | Sold | $127,900 |
| 2012-07-31 | Sold | $79,100 |
| 2011-12-20 | Sold | $39,000 |
| 2002-09-12 | Sold | $83,500 |
| 2001-05-25 | Sold | $77,500 |
Photo Gallery
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{
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{
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},
{
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},
{
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},
{
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},
{
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},
{
"tax": 500,
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},
{
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"assessment": {
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},
{
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{
"tax": 367,
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},
{
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"assessment": {
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},
{
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"assessment": {
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},
{
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},
{
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},
{
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{
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{
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{
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{
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"_utility_allowance": {
"sources": [
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],
"effective_date": "2025-08-01"
},
"utility_allowances": [
{
"note": "Property data explicitly lists 'Natural Gas' for heating. The allowance is for a 2-bedroom unit.",
"utility": "Heating",
"allowance": 61
},
{
"note": "Property data lists a 'Gas Range'. The allowance for natural gas cooking in a 2-bedroom unit is selected.",
"utility": "Cooking",
"allowance": 10
},
{
"note": "Fuel type is inferred to be Natural Gas, consistent with the home's heating system. The 2-bedroom allowance is selected.",
"utility": "Water Heating",
"allowance": 27
},
{
"note": "This is a standard fixed allowance for general electricity usage (lights, small appliances) for a 2-bedroom unit.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "The property is connected to a public water source. The allowance corresponds to a 2-bedroom unit.",
"utility": "Water",
"allowance": 26
},
{
"note": "The property is connected to a public sewer system. The allowance corresponds to a 2-bedroom unit.",
"utility": "Sewer",
"allowance": 29
},
{
"note": "Standard fixed allowance for trash service for a single-family home.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Appliance is assumed to be tenant-provided per instructions, and the schedule has a specific allowance for a 2-bedroom unit.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Included as this is a separate, fixed line item on the utility schedule for a 2-bedroom unit.",
"utility": "Range",
"allowance": 8
},
{
"note": "The property has Central Air, but the utility allowance schedule provides a null value for this utility, resulting in a $0 allowance.",
"utility": "Air Conditioning",
"allowance": 0
}
],
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"down_payment_amount": 30500.0,
"property_tax_annual": 1547.06,
"property_tax_monthly": 128.92,
"property_tax_increase": 0.03,
"utility_allowance_total": 226.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"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": -2136.29,
"property_management_monthly": 90.1,
"monthly_cash_flow_after_debt": -178.02,
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},
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"runs": [
{
"summary": "This is a well-updated 2-bed ranch with recent major system replacements (roof, HVAC, hot water, plumbing) and an updated kitchen and bath. Photos and listing notes indicate a turnkey condition with only minor cosmetic repairs and typical exterior wear. The most likely Section 8/NSPIRE inspection issues to verify before listing are presence/location of a working carbon monoxide alarm (required for gas appliances), GFCI protection at kitchen/bath outlets, and electrical panel condition. If those are in place, the property is likely to pass an initial HCV inspection with minimal corrections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Interior and exterior photos show a well-maintained brick ranch with updated kitchen and bathroom finishes, intact hardwood floors in living/bedrooms, newer kitchen flooring (2025), and no visible major cosmetic damage. Appliances (range, refrigerator, microwave, dishwasher) are present and appear functional. Minor items observed: small hairline ceiling/crack near kitchen doorway, driveway surface cracking/patching, and some peeling paint on porch posts. These are cosmetic or easy-to-fix and do not indicate major deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 78.0,
"rationale": "No life‑threatening hazards visible: ceilings intact, no standing water, no exposed wiring, windows intact, and entry door appears secure. A ceiling-mounted smoke alarm is visible in the kitchen area. Fuel-burning appliances and a gas meter are present (gas range) which makes a carbon monoxide (CO) alarm required — a CO device is not visible in photos. GFCI protection at kitchen sink outlet is not clearly visible. Bedroom egress windows are not directly photographed but the house is a single-story ranch with standard window sizes visible at living room; assume compliant egress but unconfirmed. Electrical panel not shown. Overall low-to-moderate NSPIRE risk with two small code items to verify (CO alarm and GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 86.0,
"rationale": "Listing states major system replacements: roof, furnace, central air, hot water heater and plumbing in crawlspace (all since 2019), outside electric meter (2021), and added air scrubber. Photos show intact roofline and conditioned interior; HVAC registers/thermostat visible in living area. Kitchen appliances and dishwasher/microwave replaced 2025 per listing. No visible evidence of plumbing leaks, water stains, or HVAC failure. Electrical panel and water heater location are not photographed so final confirmation required, but listing history supports healthy systems."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior brick envelope appears sound, gutters and downspouts present, covered front porch in good repair, and attached garage and overhead door reported replaced. Driveway shows wear and cracking consistent with age but is serviceable. Walkway is mostly level though partly snow-covered in photos (no tripping hazards obvious). Yard and site look maintained with no visible infestation, major grading issues, or foundation displacement visible from images."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing notes about system replacements (roof, furnace/central air, hot water heater, plumbing in crawlspace, outside electric meter) are accurate and reflect functional installations.",
"Smoke detector visible in photos is operational; additional required detectors (bedrooms/hall) are present though not photographed.",
"Bedroom egress is assumed acceptable based on window sizes and single-story layout but not directly photographed.",
"Electrical panel condition and exact presence of GFCI outlets were not photographed; assume typical updates associated with a replaced outside meter but treat as unverified.",
"No active plumbing leaks, major mold, or hidden structural defects beyond small cosmetic ceiling cracks, inferred from lack of visible stains or sagging in photos.",
"Front entry door lock exists and secures; presence of a deadbolt is not confirmed in photos."
],
"overall_score": 84.0,
"rubric_version": "1.0"
},
{
"summary": "This full-brick 2-bed ranch presents as turnkey for Section 8 tenancy with strong recent system upgrades (roof, HVAC, hot water, plumbing, electric meter) and complete kitchen appliances. Visible interior and exterior conditions are good and pose low risk for initial HCV inspection. Primary outstanding verification items before lease: presence and placement of working smoke detectors in required locations and a functioning carbon monoxide alarm (required with gas appliances), GFCI protection in kitchen/bath, and confirmation the electrical panel is intact and labeled. These are typically quick fixes; no structural or life‑safety failures are evident from photos/listing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall condition & visible repairs",
"score": 88.0,
"rationale": "Interior and exterior photos show a well-maintained full-brick ranch with updated kitchen and bath finishes, intact hardwood floors, and no visible active water stains or collapsed finishes. Appliances (gas range, refrigerator, dishwasher, microwave) are present and look serviceable. Minor cosmetic items (small paint/trim touch-ups, baseboard scuffs) are visible but easy to fix. Missing or aging items are limited; listing documents significant recent updates (roof, furnace/AC, hot water heater, kitchen flooring 2025) which reduce deferred-maintenance risk."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 80.0,
"rationale": "No visible life‑threatening hazards: ceilings intact, no standing water, no exposed wiring in photos, entry looks secure and windows intact. A smoke detector is visible (kitchen ceiling) but bedroom/hall detector placement and carbon monoxide alarm (required with gas appliances) are not shown — small compliance risk. GFCI presence in kitchen/bath not visible in photos. Gas range exists; no visible unsafe gas connections but CO alarm should be confirmed. Overall low risk but needs verification of alarms and GFCI outlets to meet NSPIRE checklist."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC, plumbing, electrical systems",
"score": 90.0,
"rationale": "Listing states major system replacements: roof (2019), furnace and central AC (2019), hot water heater (2019), plumbing in crawlspace (2019), outside electric meter (2021), and kitchen appliances updated in 2025. Photos show clean venting, intact roofline and no visible sag. These recent upgrades indicate low near-term mechanical risk. Final verification needed to confirm HVAC operation and electrical panel condition, but documentation in listing supports high score."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, access & yard",
"score": 85.0,
"rationale": "Brick exterior and soffit/fascia appear in good repair; covered front porch with concrete slab in good condition. Driveway shows normal wear and some surface cracking but no structural failure. Garage and overhead door noted as updated (2019). Yard and walkways are passable; no evidence of major drainage, standing water, or infestation in photos. Minor sidewalk/driveway patching could be needed but are cosmetic/site maintenance items."
}
],
"red_flags": [],
"confidence": 0.82,
"assumptions": [
"Furnace/central AC and water heater installed in 2019 are operational as stated in listing (no visible evidence of non-function).",
"Kitchen and laundry plumbing functioning (listing notes plumbing work in crawlspace 2019).",
"Electrical panel is intact and up to code; outside meter updated 2021 supports reasonable electrical condition.",
"Smoke detectors exist beyond the single visible unit but exact locations are not shown; a carbon monoxide alarm is not visible and must be confirmed/installed.",
"Bedroom egress windows are present and functional based on window sizes visible, though not every bedroom window was photographed close-up.",
"No hidden severe conditions (foundation movement, roof leaks, major mold) are present given lack of visual indicators and the listing's recent updates; if present, they would reduce score substantially."
],
"overall_score": 86.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This single-family brick ranch is near turnkey for Section 8 / HCV initial inspection. Recent, documented system upgrades (roof, HVAC, water heater, plumbing) and visible, functioning kitchen appliances and intact finishes strongly favor a pass. Primary inspection risks are verification items: properly located smoke detectors in bedrooms/hallways, a carbon monoxide alarm (required with a gas range), and GFCI protection at kitchen/bath receptacles. Those are relatively quick fixes if missing. No major structural, roof, plumbing or electrical hazards were observed in photos or listing notes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Property photos and listing show a well-maintained brick ranch with updated kitchen and bath, hardwood floors in living/bedrooms, recent kitchen flooring (2025) and appliances, and no visible interior finish failures. Minor cosmetic issues observed: small ceiling crack at kitchen doorway and scuffs at baseboards/trim. No evidence of collapsed ceilings, exposed subfloor, or severe interior damage. Missing appliances are not an issue here (fridge, range, dishwasher present). Overall turnkey with only minor cosmetic repairs likely required."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 80.0,
"rationale": "No visible life‑threatening hazards in photos. Listing confirms furnace and central A/C (2019) and hot water heater (2019). A ceiling smoke alarm is visible in the kitchen photo; bedrooms/bedroom-hall smoke detectors and carbon monoxide detector are not visible in photos — NSPIRE requires properly located smoke detectors and CO if fuel-burning appliances are present (gas range). GFCI protection at kitchen sink receptacles is not clearly visible in photos. Entry door appears secure; deadbolt not visible in photos. No exposed wiring, active leaks, sagging ceilings, or obvious foundation movement observed. Risk reductions possible by verifying/adding CO alarm and GFCI near sink and ensuring smoke detectors in hallways/bedrooms."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 90.0,
"rationale": "Listing documents significant recent system upgrades: roof, furnace, central air, hot water heater and plumbing in crawlspace all replaced in 2019; electrical meter updated in 2021; dishwasher, microwave and kitchen flooring replaced in 2025. Photos show a modern gas range, microwave and dishwasher installed and no visible deterioration around penetrations. No visible evidence of roof leaks, active water intrusion, or HVAC absence. Electrical panel not shown; no exposed wiring seen. Based on recent documented replacements, major systems appear in good condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.0,
"rationale": "Exterior brick envelope and attached garage look solid and well maintained; roof appears consistent and was reportedly replaced in 2019. Driveway shows aging/cracking but is serviceable. Front porch and walkways are intact; no visible standing water or drainage issues in photos (snow present). No visible infestation signs or major exterior deterioration. Some driveway and walkway maintenance likely but nothing that suggests structural failure."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement about 2019 roof, furnace/central AC, hot water heater and plumbing is accurate and those systems are operational.",
"Bedrooms have standard windows sufficient for egress (not visible in photos) typical of a 1955 full-brick ranch.",
"A smoke alarm visible in the kitchen indicates the owner has installed detectors; additional bedroom/hall detectors may be present but were not photographed.",
"Carbon monoxide alarm and GFCI outlets are not visible in photos; assume they may be missing and should be verified/installed if absent.",
"Electrical panel is intact and up to code (not pictured); no exposed or dangerous wiring visible in photos.",
"Crawlspace plumbing replacement (2019) resolved any prior issues; no active leaks exist.",
"Driveway cracking is surface/age-related and does not indicate foundation movement."
],
"overall_score": 86.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "329 W Melrose Ave, Findlay, OH, 45840",
"aggregate": {
"summary": "This is a well-updated 2-bed ranch with recent major system replacements (roof, HVAC, hot water, plumbing) and an updated kitchen and bath. Photos and listing notes indicate a turnkey condition with only minor cosmetic repairs and typical exterior wear. The most likely Section 8/NSPIRE inspection issues to verify before listing are presence/location of a working carbon monoxide alarm (required for gas appliances), GFCI protection at kitchen/bath outlets, and electrical panel condition. If those are in place, the property is likely to pass an initial HCV inspection with minimal corrections.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Interior and exterior photos show a well-maintained brick ranch with updated kitchen and bathroom finishes, intact hardwood floors in living/bedrooms, newer kitchen flooring (2025), and no visible major cosmetic damage. Appliances (range, refrigerator, microwave, dishwasher) are present and appear functional. Minor items observed: small hairline ceiling/crack near kitchen doorway, driveway surface cracking/patching, and some peeling paint on porch posts. These are cosmetic or easy-to-fix and do not indicate major deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 83.0,
"rationale": "Exterior brick envelope appears sound, gutters and downspouts present, covered front porch in good repair, and attached garage and overhead door reported replaced. Driveway shows wear and cracking consistent with age but is serviceable. Walkway is mostly level though partly snow-covered in photos (no tripping hazards obvious). Yard and site look maintained with no visible infestation, major grading issues, or foundation displacement visible from images."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 79.3,
"rationale": "No life‑threatening hazards visible: ceilings intact, no standing water, no exposed wiring, windows intact, and entry door appears secure. A ceiling-mounted smoke alarm is visible in the kitchen area. Fuel-burning appliances and a gas meter are present (gas range) which makes a carbon monoxide (CO) alarm required — a CO device is not visible in photos. GFCI protection at kitchen sink outlet is not clearly visible. Bedroom egress windows are not directly photographed but the house is a single-story ranch with standard window sizes visible at living room; assume compliant egress but unconfirmed. Electrical panel not shown. Overall low-to-moderate NSPIRE risk with two small code items to verify (CO alarm and GFCIs)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 88.7,
"rationale": "Listing states major system replacements: roof, furnace, central air, hot water heater and plumbing in crawlspace (all since 2019), outside electric meter (2021), and added air scrubber. Photos show intact roofline and conditioned interior; HVAC registers/thermostat visible in living area. Kitchen appliances and dishwasher/microwave replaced 2025 per listing. No visible evidence of plumbing leaks, water stains, or HVAC failure. Electrical panel and water heater location are not photographed so final confirmation required, but listing history supports healthy systems."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Listing notes about system replacements (roof, furnace/central air, hot water heater, plumbing in crawlspace, outside electric meter) are accurate and reflect functional installations.",
"Smoke detector visible in photos is operational; additional required detectors (bedrooms/hall) are present though not photographed.",
"Bedroom egress is assumed acceptable based on window sizes and single-story layout but not directly photographed.",
"Electrical panel condition and exact presence of GFCI outlets were not photographed; assume typical updates associated with a replaced outside meter but treat as unverified.",
"No active plumbing leaks, major mold, or hidden structural defects beyond small cosmetic ceiling cracks, inferred from lack of visible stains or sagging in photos.",
"Front entry door lock exists and secures; presence of a deadbolt is not confirmed in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 85.2,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "4934137883"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.