7422 Autumn Trail Dr, Charlotte, NC, 28213
Charlotte, NC
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 73.70%
Confidence: 88.00%
Overall the property appears to be in good, mostly move-in ready condition with minor cosmetic repairs and routine verification/servicing needed for systems. The biggest inspection risks are items not shown in photos: pool safety (fencing/gates), presence of CO detectors and GFCI outlets, and verification of gas fireplace/water heater/HVAC operation. Addressing those items and small finish repairs should make the house likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.
Property Fundamentals
Property Description
Welcome home to this beautiful property nestled in a quiet, established neighborhood with no HOA and no cut-through traffic. Enjoy the perfect blend of privacy and convenience with a short walk to the Greenway and close proximity to Reedy Creek Park, local shops, restaurants, and quick access to I-85 and I-485. Step inside to an inviting, easy-living floor plan featuring a stunning two-story foyer and a spacious great room with a cozy fireplace-perfect for relaxing or entertaining. The kitchen has been thoughtfully updated with new stainless steel appliances and flows seamlessly into the breakfast area, overlooking the backyard deck and private pool. A formal dining room provides the ideal setting for gatherings and special occasions. Upstairs, you'll find a desirable split-bedroom layout, including a spacious primary suite with a vaulted ceiling. The primary bath offers a garden tub and tile shower surround, creating a comfortable retreat at the end of the day. Convenient upstairs laundry adds to the home's functionality. Outdoor living shines with a generous deck-perfect for entertaining or unwinding poolside. The two-car garage is a standout feature, complete with built-in shelving, cabinets, and workbenches-ideal for storage, projects, or hobbies. This home offers the space, features, and location buyers are looking for-don't miss your opportunity to make it yours!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
7428 Autumn Trail Dr
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Properties Used for Comps
939 Autumnwood Ln, Charlotte, NC, 28213
Risk and Criteria Detail
Red Flags
- success
- Private pool mentioned in listing but no photos of pool fencing or self-closing/latching gates — potential immediate safety/code failure if not compliant.
- No visible carbon monoxide detector shown; required if fuel-burning appliances or attached garage are present (needs verification).
- GFCI protection for kitchen and bathrooms not shown/verified — may lead to minor fail if absent.
- Gas fireplace present (flame visible) — requires verification of safe venting and recent servicing; improperly installed or vented gas appliances are inspection concerns.
Assumptions
- Kitchen appliances are present and functional as stated in the listing (new stainless appliances).
- Central HVAC exists and is operable (vents are visible), but no operational tests or service records were provided.
- A private pool exists in the backyard (per listing) but no pool photos were provided; pool safety features (fence/gate) are unknown.
- Electrical panel, water heater and CO detector locations were not photographed; assume typical installation but these need verification during inspection.
- No visible major foundation settlement, roof sag, or active leaks based on available exterior and interior photos.
- Fireplace is a gas insert or decorative gas appliance (visible flame in photos) and will require inspection/certification for safe operation.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,525 | $306,600 | $306,600 |
| 2024 | $2,475 | $306,600 | $306,600 |
| 2023 | $2,388 | $306,600 | $306,600 |
| 2022 | $2,128 | $207,600 | $207,600 |
| 2021 | $2,117 | $207,600 | $207,600 |
| 2020 | $2,110 | $207,600 | $207,600 |
| 2019 | $2,094 | $207,600 | $207,600 |
| 2018 | $1,709 | $124,700 | $124,700 |
| 2017 | $1,677 | $124,700 | $124,700 |
| 2016 | $1,667 | $124,700 | $124,700 |
| 2015 | $1,656 | $124,700 | $124,700 |
| 2014 | $1,663 | $124,700 | $124,700 |
| 2013 | $1,663 | $124,700 | $124,700 |
| 2012 | $1,666 | $124,700 | $124,700 |
| 2011 | $1,698 | $124,700 | $124,700 |
| 2010 | $1,738 | $122,900 | $122,900 |
| 2009 | $1,749 | $122,900 | $122,900 |
| 2008 | $1,762 | $122,900 | $122,900 |
| 2007 | $1,753 | $122,900 | $122,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2016-01-19 | Sold | $148,000 |
Photo Gallery
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"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1667,
"year": 2016,
"market": {
"land": 20000,
"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1656,
"year": 2015,
"market": {
"land": 20000,
"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1663,
"year": 2014,
"market": {
"land": 20000,
"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1663,
"year": 2013,
"market": {
"land": 20000,
"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1666,
"year": 2012,
"market": {
"land": 20000,
"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1698,
"year": 2011,
"market": {
"land": 20000,
"total": 124700,
"building": 104700
},
"assessment": {
"land": 20000,
"total": 124700,
"building": 104700
}
},
{
"tax": 1738,
"year": 2010,
"market": {
"land": 22000,
"total": 122900,
"building": 100900
},
"assessment": {
"land": 22000,
"total": 122900,
"building": 100900
}
},
{
"tax": 1749,
"year": 2009,
"market": {
"land": 22000,
"total": 122900,
"building": 100900
},
"assessment": {
"land": 22000,
"total": 122900,
"building": 100900
}
},
{
"tax": 1762,
"year": 2008,
"market": {
"land": 22000,
"total": 122900,
"building": 100900
},
"assessment": {
"land": 22000,
"total": 122900,
"building": 100900
}
},
{
"tax": 1753,
"year": 2007,
"market": {
"land": 22000,
"total": 122900,
"building": 100900
},
"assessment": {
"land": 22000,
"total": 122900,
"building": 100900
}
}
],
"property_history": [
{
"date": "2026-03-27",
"price": 275000,
"listing": {
"status": "for_sale",
"list_date": "2026-03-27T12:58:51Z",
"list_price": 275000,
"listing_id": "2992997478",
"last_update_date": "2026-03-27T13:14:06Z",
"last_status_change_date": "2026-03-27T12:58:51Z"
},
"event_name": "Listed",
"price_sqft": 156.9634703196347,
"source_name": "CanopyMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "4361957",
"price_change_percentage": "+85.94%"
},
{
"date": "2016-01-21",
"price": 147900,
"listing": {
"status": "sold",
"list_date": "2015-06-03T21:48:00Z",
"list_price": 147900,
"listing_id": "603040186",
"last_update_date": "2016-01-19T07:00:00Z",
"last_status_change_date": "2016-01-19T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": 84.95117748420448,
"source_name": "CanopyMLS",
"price_change": 0,
"days_after_listed": "232 days",
"source_listing_id": "3090789",
"price_change_percentage": "$0"
},
{
"date": "2015-06-03",
"price": 147900,
"listing": {
"status": "sold",
"list_date": "2015-06-03T21:48:00Z",
"list_price": 147900,
"listing_id": "603040186",
"last_update_date": "2016-01-19T07:00:00Z",
"last_status_change_date": "2016-01-19T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": 84.95117748420448,
"source_name": "CanopyMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "3090789",
"price_change_percentage": "+15.55%"
},
{
"date": "2003-06-30",
"price": 128000,
"listing": null,
"event_name": "Sold",
"price_sqft": 73.52096496266513,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1992-11-01",
"price": 105000,
"listing": null,
"event_name": "Sold",
"price_sqft": 60.310166570936246,
"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": true
},
"property_id": "5245369029",
"generated_at": "2026-03-27T16:52:40.862788Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 10.0,
"overall_score": 73.7
},
"utility_allowance": {
"zip_code": "28213",
"home_photo": "https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m2693590245s-w1280.jpg",
"rent_price": 1900.0,
"loan_amount": 220000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/7422-Autumn-Trail-Dr_Charlotte_NC_28213_M52453-69029",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 275000.0,
"loan_term_years": 30,
"annual_cash_flow": 16732.75,
"mortgage_monthly": 1463.67,
"payment_standard": 2277.0,
"total_amount_out": 55000.0,
"additional_photos": [
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m2137647382s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m1888343170s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m1774609552s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m787038554s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m1850452647s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m4003252867s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m674074577s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m3407445091s-w1280.jpg",
"https://ap.rdcpix.com/c666511194416db29d0920922596e784l-m1402067126s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 98.88,
"monthly_cash_flow": 1394.4,
"property_tax_rate": 0.008,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/NC003/sources/utility/wp-content_uploads_2025_12_UA-2.1.26.raster.pdf"
],
"effective_date": "2026-02-01"
},
"utility_allowances": [
{
"note": "Property has Central Air, which is electric.",
"utility": "Air Conditioning",
"allowance": 25
},
{
"note": "Selected 'electric' option as property details list an 'Electric Oven' and 'Electric Range'.",
"utility": "Cooking",
"allowance": 12
},
{
"note": "Applicable because the property uses natural gas for heating and water heating.",
"utility": "Gas Service Fee",
"allowance": 11
},
{
"note": "Selected 'natural_gas' option as property details state 'Heating Features: Forced Air, Natural Gas'.",
"utility": "Heating",
"allowance": 80
},
{
"note": "Standard allowance for lighting, outlets, and miscellaneous tenant-plugged-in appliances.",
"utility": "Other Electric",
"allowance": 79
},
{
"note": "A refrigerator is not explicitly listed in the provided appliances, so it is assumed to be tenant-owned.",
"utility": "Refrigerator",
"allowance": 12
},
{
"note": "Property details state 'Sewer: Public Sewer'.",
"utility": "Sewer",
"allowance": 89
},
{
"note": "Property details state 'Water Source: City'.",
"utility": "Water",
"allowance": 32
},
{
"note": "Selected 'natural_gas' option as property details list a 'Gas Water Heater' and the availability of natural gas.",
"utility": "Water Heating",
"allowance": 37
}
],
"cash_on_cash_return": 0.3,
"down_payment_amount": 55000.0,
"property_tax_annual": 2600.75,
"property_tax_monthly": 216.73,
"property_tax_increase": 0.03,
"utility_allowance_total": 377.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.inlivian.com/landlords-owners/payment-standards/",
"https://www.inlivian.com/wp-content/uploads/2024/05/7.1.25-PS-No-census-tracts.pdf"
],
"effective_date": "2025-07-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -831.24,
"property_management_monthly": 190.0,
"monthly_cash_flow_after_debt": -69.27,
"cash_on_cash_return_after_debt": -0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in good, mostly move-in ready condition with minor cosmetic repairs and routine verification/servicing needed for systems. The biggest inspection risks are items not shown in photos: pool safety (fencing/gates), presence of CO detectors and GFCI outlets, and verification of gas fireplace/water heater/HVAC operation. Addressing those items and small finish repairs should make the house likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 78.0,
"rationale": "Interior and exterior in generally good cosmetic condition based on photos: fresh paint, updated flooring, clean trim and cabinetry visible. Minor deferred items visible include scuffed/peeling baseboard paint near fireplace, small gaps/finish issues at floor transitions, driveway staining and hairline cracking, and some landscape bed maintenance. Listing states updated stainless appliances (reduces penalty for missing appliances). No major visible structural defects or collapsed surfaces in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "A hardwired/ceiling smoke detector is visible in the foyer which is positive; interior stair railing is present. Large windows provide likely bedroom egress. Entry door has a security/secondary screen door and standard deadbolt appears present. No obvious exposed wiring or active water intrusion stains observed. Unknown or not shown: carbon monoxide detector(s), GFCI protection in kitchen/baths, condition/venting of gas fireplace, and whether the private pool has compliant fencing/gates — an unfenced pool would be an immediate safety/code concern. Exterior front steps lack a handrail (three brick steps) which may be a minor code issue in some jurisdictions."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Roof shingles appear intact and even from photos with no visible sag or large patches. HVAC supply vents visible in rooms indicate central HVAC present, but operational status is unknown. Listing indicates updated kitchen appliances; water heater, electrical panel, and drain/water heater condition are not shown. Gas fireplace appears to be a manufactured gas insert — will require verification of safe installation/venting and service. No visible signs of plumbing leaks or ceiling water stains in pictured areas."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 75.0,
"rationale": "Siding, trim, windows and garage door are in good visual condition. Roof plane looks intact. Yard is maintained and driveway is serviceable though has staining and hairline cracking. Stone bed edging and front steps are intact. The listing mentions a private pool and deck; pool safety features (fencing, self-latching gates, pool cover) are not shown and are important for inspection and tenant safety — this reduces the exterior score pending confirmation."
}
],
"red_flags": [
"Private pool mentioned in listing but no photos of pool fencing or self-closing/latching gates — potential immediate safety/code failure if not compliant.",
"No visible carbon monoxide detector shown; required if fuel-burning appliances or attached garage are present (needs verification).",
"GFCI protection for kitchen and bathrooms not shown/verified — may lead to minor fail if absent.",
"Gas fireplace present (flame visible) — requires verification of safe venting and recent servicing; improperly installed or vented gas appliances are inspection concerns."
],
"confidence": 0.7,
"assumptions": [
"Kitchen appliances are present and functional as stated in the listing (new stainless appliances).",
"Central HVAC exists and is operable (vents are visible), but no operational tests or service records were provided.",
"A private pool exists in the backyard (per listing) but no pool photos were provided; pool safety features (fence/gate) are unknown.",
"Electrical panel, water heater and CO detector locations were not photographed; assume typical installation but these need verification during inspection.",
"No visible major foundation settlement, roof sag, or active leaks based on available exterior and interior photos.",
"Fireplace is a gas insert or decorative gas appliance (visible flame in photos) and will require inspection/certification for safe operation."
],
"overall_score": 74.0,
"rubric_version": "nsPIRE-v1.0-2026"
},
{
"summary": "This single-family home appears largely rent-ready with cosmetic touch-ups and typical system verification needed. Key positives: tidy interior, updated kitchen appliances (per listing), intact exterior siding and roof, functioning central HVAC vents visible, and working smoke detector. Main inspection risks: private pool without photos of required safety barriers (significant potential code failure), no visible CO alarm, missing exterior handrail on front steps, and lack of visible GFCI protection in photos. With targeted fixes — verify/install CO alarm, add/repair exterior handrail, confirm pool barrier or install compliant fencing/gate, and confirm GFCI outlets and mechanical system operation — the home should pass an HCV/NSPIRE initial inspection within ~2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 78.0,
"rationale": "Overall interior and exterior appearance is well-maintained with updated kitchen (listing) and new-looking flooring and paint. Minor deferred cosmetic issues visible: scuffed baseboards, floorboard gaps/wear near transitions, driveway surface staining/cracking, and no exterior handrail on front steps. Missing/old cosmetic trim and small touch-ups expected but no major deferred maintenance visible. Listing indicates new stainless appliances so missing-appliance risk is low."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "A smoke detector is visible in the foyer and windows appear to provide bedroom egress. Entry has a secondary/security door and interior stair has handrail. However: no carbon-monoxide detector is visible in photos, no clear evidence of GFCI-protected receptacles in kitchen/bath, front steps lack an exterior handrail, and the listing mentions a private pool but no photos of required pool barriers/gates — this is a significant potential safety/code issue. Visible TV cable runs are loose but non-lethal. No signs of active water intrusion, mold, or collapsed ceilings."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Roof shingles appear intact from exterior photos with no visible sag or stains. HVAC supply/return vents are visible indicating central HVAC is present. Upstairs laundry noted in listing. Water heater, electrical panel, and HVAC equipment are not shown so their condition is assumed functional but unverified. No visible plumbing leaks or water stains; fireplace appears to be gas/vented or decorative (photo shows flame). Given home age (1991) expect mid-life mechanical systems; no obvious failures visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Siding, trim and windows appear in good condition; paint and trim are intact. Driveway has surface cracks and staining; landscaping is maintained though low-level retaining wall blocks are uneven. Two-car garage present and looks serviceable. The property backs to woods (good drainage likely) but the presence of a private pool (per listing) raises a site safety requirement (fencing/gate) that isn't documented in photos."
}
],
"red_flags": [
"Private pool mentioned in listing with no photos of pool barrier/gate — potential life-safety and code failure if not properly fenced and gated.",
"No carbon monoxide detector visible in photos (required where fuel-burning appliances or attached garages are present).",
"Exterior front steps have no handrail — potential code/safety violation.",
"No photographic evidence of GFCI-protected receptacles in kitchen/bath (risk for electrical code noncompliance if absent)."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that kitchen has new stainless appliances is accurate; photos do not show full kitchen but appliances are presumed present.",
"Private pool exists (mentioned in listing) but no photos provided of the pool area or any fencing; assumption is that required pool barrier/gate may be missing or undocumented.",
"Central HVAC is present and vents visible; assumed operational but equipment age/condition not verified without mechanical photos/service records.",
"Water heater and electrical panel are present and functional but not shown; no evidence of active leaks or electrical hazards in photos.",
"No major structural or foundation movement exists because exterior photos show level walls and no visible severe cracks — however a full inspection is required to confirm."
],
"overall_score": 71.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall this 1991-built single-family home appears in good cosmetic and functional condition from the photos and listing. It is likely to pass an initial HCV/NSPIRE inspection after addressing a small list of minor items (trim/baseboard repairs, securing loose flooring/thresholds, sealing driveway cracks) and confirming/adding safety devices. The principal outstanding verification items that could block approval are pool barrier compliance (private pool mentioned but no fence shown), presence of required CO detector(s) and GFCI protection in kitchen/baths, and verification the HVAC, water heater and electrical panel are operational and code-compliant. If those items are confirmed or corrected, property is likely rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained house with updated kitchen appliances (listing), intact siding, solid brick front steps, and generally clean interior finishes. Visible minor issues: scuffed/peeling baseboard/trim near the fireplace and a few scuffed wall areas and minor driveway/sidewalk cracking. No evidence of collapsed ceilings, exposed subfloor, or extensive drywall damage. Missing major appliances are not a factor (listing states new stainless appliances). These are easy cosmetic/maintenance items and can be fixed quickly."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risks",
"score": 65.0,
"rationale": "A working smoke detector is visible in the foyer (positive). Entry door has locks; a security storm door is present. No visible exposed wiring or collapsed stairs. Unknown or not shown: CO detector(s), GFCI-protected receptacles (kitchen/baths not pictured), electrical panel condition, and the gas/fireplace venting/permits. The listing mentions a private pool but no photos of a pool barrier or pool fencing were provided — lack of a four-sided pool barrier or self-closing gate would be a serious NSPIRE safety deficiency. Because the pool presence/fencing and some required detectors/outlet protection cannot be confirmed, assign moderate risk pending verification or remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Plumbing, Electrical)",
"score": 75.0,
"rationale": "Roof shingles appear intact with no visible sagging or active leaks in interior photos (no ceiling stains). HVAC supply/return vents are visible in living areas, indicating central HVAC is present (operation not verified). No visible plumbing leaks or water-stains in photos. Water heater, electrical panel, and furnace locations are not shown so their condition is assumed but unverified. Overall systems appear serviceable from photos, but verification of HVAC operation, hot water, water heater, and electrical panel labeling is recommended."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site Condition",
"score": 80.0,
"rationale": "Exterior siding, windows, and front brick steps/stoop look in good condition. Driveway has surface cracking and some staining but is functional. Landscaping is tidy; small decorative retaining stones are slightly displaced but not structural. The listing indicates a backyard deck and private pool, which increase inspection requirements (deck rail and pool barrier). No signs of standing water, major foundation cracks, or exterior structural distress visible in provided photos."
}
],
"red_flags": [
"Private pool mentioned in listing but no photos of pool or pool barrier provided — lack of a compliant pool fence/access control would be a major NSPIRE safety failure.",
"No visible carbon monoxide detector(s) in photos; required where fuel-burning appliances or attached garage are present (presence unverified).",
"GFCI protection in kitchen/bathrooms not visible/verified — common inspection deficiency.",
"Major system locations (electrical panel, water heater, furnace/AC unit) not shown/verified; any defects there would be high-risk if present."
],
"confidence": 0.65,
"assumptions": [
"The property listing statement is accurate: kitchen has new stainless appliances (so missing stove/refrigerator is not expected).",
"There is a private pool on the property as stated in the listing; no photos of the pool or its barrier were provided. I assume pool fencing/barrier status is unknown.",
"Central HVAC is present and vents shown are functional; operation and age were not verified in photos.",
"Bedrooms, including upstairs primary, have egress windows typical of this construction (bedroom window condition not visible in provided photos).",
"Water heater and electrical panel exist and are serviceable but their condition and labeling were not visible.",
"No active roof leaks or concealed water damage exist because interior ceilings show no stains in photos; this is an observation-based assumption and should be confirmed in person."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "7422 Autumn Trail Dr, Charlotte, NC, 28213",
"aggregate": {
"summary": "Overall the property appears to be in good, mostly move-in ready condition with minor cosmetic repairs and routine verification/servicing needed for systems. The biggest inspection risks are items not shown in photos: pool safety (fencing/gates), presence of CO detectors and GFCI outlets, and verification of gas fireplace/water heater/HVAC operation. Addressing those items and small finish repairs should make the house likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Deferred Maintenance",
"score": 80.3,
"rationale": "Interior and exterior in generally good cosmetic condition based on photos: fresh paint, updated flooring, clean trim and cabinetry visible. Minor deferred items visible include scuffed/peeling baseboard paint near fireplace, small gaps/finish issues at floor transitions, driveway staining and hairline cracking, and some landscape bed maintenance. Listing states updated stainless appliances (reduces penalty for missing appliances). No major visible structural defects or collapsed surfaces in photos."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 76.7,
"rationale": "Siding, trim, windows and garage door are in good visual condition. Roof plane looks intact. Yard is maintained and driveway is serviceable though has staining and hairline cracking. Stone bed edging and front steps are intact. The listing mentions a private pool and deck; pool safety features (fencing, self-latching gates, pool cover) are not shown and are important for inspection and tenant safety — this reduces the exterior score pending confirmation."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "A hardwired/ceiling smoke detector is visible in the foyer which is positive; interior stair railing is present. Large windows provide likely bedroom egress. Entry door has a security/secondary screen door and standard deadbolt appears present. No obvious exposed wiring or active water intrusion stains observed. Unknown or not shown: carbon monoxide detector(s), GFCI protection in kitchen/baths, condition/venting of gas fireplace, and whether the private pool has compliant fencing/gates — an unfenced pool would be an immediate safety/code concern. Exterior front steps lack a handrail (three brick steps) which may be a minor code issue in some jurisdictions."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 71.7,
"rationale": "Roof shingles appear intact and even from photos with no visible sag or large patches. HVAC supply vents visible in rooms indicate central HVAC present, but operational status is unknown. Listing indicates updated kitchen appliances; water heater, electrical panel, and drain/water heater condition are not shown. Gas fireplace appears to be a manufactured gas insert — will require verification of safe installation/venting and service. No visible signs of plumbing leaks or ceiling water stains in pictured areas."
}
],
"red_flags": [
"Private pool mentioned in listing but no photos of pool fencing or self-closing/latching gates — potential immediate safety/code failure if not compliant.",
"No visible carbon monoxide detector shown; required if fuel-burning appliances or attached garage are present (needs verification).",
"GFCI protection for kitchen and bathrooms not shown/verified — may lead to minor fail if absent.",
"Gas fireplace present (flame visible) — requires verification of safe venting and recent servicing; improperly installed or vented gas appliances are inspection concerns."
],
"confidence": 0.88,
"assumptions": [
"Kitchen appliances are present and functional as stated in the listing (new stainless appliances).",
"Central HVAC exists and is operable (vents are visible), but no operational tests or service records were provided.",
"A private pool exists in the backyard (per listing) but no pool photos were provided; pool safety features (fence/gate) are unknown.",
"Electrical panel, water heater and CO detector locations were not photographed; assume typical installation but these need verification during inspection.",
"No visible major foundation settlement, roof sag, or active leaks based on available exterior and interior photos.",
"Fireplace is a gas insert or decorative gas appliance (visible flame in photos) and will require inspection/certification for safe operation."
],
"score_method": "mean_of_criteria",
"overall_score": 73.7,
"rubric_version": "nsPIRE-v1.0-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5245369029"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.