Property ID: 5373001458
341 E Highway 4, Century, FL, 32535
Century, FL
Money Down: $38,160
CoC Return: 12.23%
Monthly Cash Flow: $389
Est. Final ARV: $159,305
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$31,800
Closing Costs
$6,360
Total Down
$38,160
Investment Snapshot
Purchase Price
$159,000
Money Down
$38,160
Cash-on-Cash Return
12.23%
Rent
$1,569
Monthly Cash Flow
$389
Annual Cash Flow
$4,667
Debt Service / Mo
$846
Property Tax / Mo
$81
Insurance / Mo
$96
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,569
Payment Standard
$1,933
Rent
$1,569
Insurance
$96
Property Tax
$81
Management
$157
Utilities Allowance
$364
NOI (Monthly)
$1,235
Debt Service
$846
Cash Flow After Debt
$389
Quality Score: 69.00%
Confidence: 95.00%
This 1976 brick ranch appears to be in generally good, primarily cosmetic condition and likely to pass a Section 8/HCV initial inspection after a short punch list. Main risks are missing/unseen life-safety devices (smoke/CO detectors not visible in photos), unknown condition/verification of HVAC, water heater and electrical panel, and some exterior site cleanup (driveway cracks, debris, trees close to the house). Expect minor-to-moderate pre-inspection work (install/verify detectors, secure loose wiring, clear yard debris, repair/grade driveway areas) that should make the property rent-ready within ~30 days if mechanical systems test functional.
Section 8 Payment Standard
$1,933
Utility Allowance Total
$364
Guaranteed Section 8 Rent (PS - Utilities)
$1,569
Property Management
$157
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$159,000
Beds
3
Baths
2
Living Area
1,232 sqft
Lot Size
43,124 sqft
Year Built
1976
Days on Market
89
Capital Outlay
$38,160
Debt Service
$846
Property Tax / Mo
$81
Insurance / Mo
$96
Property Description
Welcome to your slice of country living in Century! Situated on a spacious 1-acre lot, this property offers the perfect blend of privacy, room to roam, and endless potential. Whether you're looking to create your dream outdoor space, park your boat or RV, or simply enjoy the peace and quiet, this oversized lot gives you the freedom to do it all. The home provides a comfortable layout with plenty of natural light and functional living space, making it ideal for both everyday living and entertaining. With no HOA and plenty of room to expand, garden, or add a workshop, this property is a rare find. Conveniently located with easy access to local amenities while still offering that desirable rural feel, this is an opportunity you don't want to miss!
Utility Allowances
Air Conditioning
$49
Property has Central Air. The allowance is for a 3-bedroom single-family home.
Cooking
$13
Selected 'electric' as property details indicate all-electric systems (water heater) and kitchen photos show an electric stove. The allowance is for a 3-bedroom unit.
Heating
$31
Selected 'electric' as the property has central heat and other appliances are electric, suggesting an electric furnace or heat pump. The allowance is for a 3-bedroom unit.
Monthly Electric Fee
$11
Standard monthly service fee for single-family homes with electric utilities.
Monthly Gas Fee
$0
No gas appliances were identified for the property. All systems are assumed to be electric.
Other Electric
$70
Standard allowance for lighting, outlets, and other general electrical usage in a 3-bedroom home.
Range (Tenant-Supplied)
$11
The property details do not explicitly state that a range/oven is provided by the landlord, so it is assumed to be tenant-supplied.
Refrigerator (Tenant-Supplied)
$12
The property details do not explicitly state that a refrigerator is provided by the landlord, so it is assumed to be tenant-supplied.
Sewer
$64
Inferred based on the property having a public water source. The allowance is for a 3-bedroom home.
Trash Collection
$32
Standard allowance for municipal trash collection for a single-family residence.
Water
$40
The property details explicitly state 'Water Source: Public'. The allowance is for a 3-bedroom home.
Water Heater
$31
Selected 'electric' as the property details explicitly list an 'Electric Water Heater'. The allowance is for a 3-bedroom home.
Source References
Payment Standard Source
Effective Date:
Aug 01, 2025
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_2218_Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.raster.pdf
https://www.cityofpensacola.com/DocumentCenter/View/27843
https://www.pensacolahousing.org/DocumentCenter/View/2218/Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.pdf
https://www.pensacolahousing.org/DocumentCenter/View/26772/08012024-Utility-Allowance-Schedule.pdf
https://www.pensacolahousing.org/DocumentCenter/View/27324/Updated-Payment-Standard-Utility-Allowance-Schedule-MF.pdf
https://www.pensacolahousing.org/DocumentCenter/View/27843/08012025-Utility-Allowance-Schedule-.pdf
Utility Allowance Source
Effective Date:
Aug 01, 2025
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf
/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,152
DP3 Annual Estimate$1,152
DP1 Monthly Equivalent$96
DP3 Monthly Equivalent$96
Replacement Value$128,108
Basis1,232 sqft / 1976
Nearby Houses
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400 E Highway 4
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610 Jim Ln
sold · 0.12 mi
Price: $353,900
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Latest sale: $353,900 on Jan 20, 2022
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631 Jim Ln
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Price: $210,000
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Latest sale: $210,000
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122 E Highway 4
sold · 0.17 mi
Price: $115,000
2 bd / 1 ba · 756 sqft
Latest sale: $115,000 on May 14, 2025
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Photo unavailable
300 Blk E Highway 4
sold · 0.27 mi
Price: $125,000
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631 Campbell Rd
sold · 0.36 mi
Price: $25,000
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Latest sale: $25,000 on Aug 31, 2021
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601 E Hecker Rd
sold · 0.44 mi
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Latest sale: $33,000 on Aug 15, 2024
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Properties Used for Comps
Photo unavailable
820 Fannie Rd, Century, FL, 32535
sold
Price: $205,000
Rent: —
3 bd / 2 ba · 1,064 sqft
Sale Date: Mar 11, 2026
Distance: 0.58 mi
View listing
Photo unavailable
7711 Lodge Dr, Century, FL, 32535
sold
Price: $85,000
Rent: $1,100
3 bd / 1.5 ba · 1,289 sqft
Sale Date: Jan 07, 2025
Distance: 0.72 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon-monoxide alarms shown in interior photos — likely an NSPIRE fail if absent.
- No photographic verification of kitchen/bath fixtures and appliances — could cause inspection deficiencies if missing/nonfunctional.
- Driveway cracking and uneven surfaces present trip hazards requiring repair.
- Large trees and overhanging vegetation close to the house increase risk of roof/gutter damage and falling limbs.
Assumptions
- Central HVAC exists and is connected/operable (inferred from visible ceiling vents/registers); condenser unit not visible in photos.
- Kitchen and major appliances (stove, refrigerator) are not shown — assumed missing or unverified; missing appliances would be an easy-to-fix capital item if absent.
- Water heater and electrical panel are present but were not photographed; assumed operational unless inspection/owner disclosure indicates otherwise.
- Bedrooms and bathrooms (egress windows, GFCI outlets) were not photographed; egress and GFCI compliance are unknown and assumed typical for a renovated ranch but must be verified.
- No evidence of major structural issues (sagging roof, foundation movement, collapsed ceilings) observed in supplied photos.
- Property uses private septic/well or municipal utilities — utility condition unknown and not visible in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $943 | $134,209 | $93,167 |
| 2023 | $765 | $126,436 | $87,905 |
| 2022 | $739 | $114,868 | $85,345 |
| 2021 | $729 | $91,419 | $82,860 |
| 2020 | $712 | $81,716 | $81,716 |
| 2019 | $524 | $75,311 | $58,189 |
| 2018 | $526 | $71,172 | $57,105 |
| 2017 | $528 | $65,410 | $55,931 |
| 2016 | $529 | $64,296 | $54,781 |
| 2015 | $506 | $61,051 | $54,401 |
| 2014 | $474 | $58,794 | $53,970 |
| 2013 | $495 | $53,173 | $53,173 |
| 2012 | $506 | $53,821 | $53,821 |
| 2011 | $523 | $56,346 | $56,346 |
| 2010 | $544 | $59,585 | $59,585 |
| 2009 | $559 | $62,142 | $62,142 |
| 2008 | $553 | $66,084 | $66,084 |
| 2007 | $651 | $68,300 | $59,790 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-19 | Listed | $159,000 |
| 2019-06-21 | Sold | $93,000 |
| 2004-12-29 | Sold | $75,000 |
| 1997-09-04 | Sold | $51,000 |
| 1995-05-02 | Sold | $49,500 |
Photo Gallery
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"land": null,
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{
"tax": 765,
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"land": null,
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{
"tax": 739,
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"land": null,
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{
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"assessment": {
"land": null,
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{
"tax": 712,
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"market": {
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"assessment": {
"land": 4594,
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{
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"assessment": {
"land": null,
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{
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"market": {
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"assessment": {
"land": null,
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{
"tax": 528,
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"assessment": {
"land": null,
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{
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"assessment": {
"land": null,
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{
"tax": 506,
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"assessment": {
"land": null,
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{
"tax": 474,
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"land": null,
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{
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"land": null,
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{
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"land": null,
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{
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{
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"land": null,
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{
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{
"tax": 553,
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"land": null,
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{
"tax": 651,
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{
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{
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"permit_effective_date": "Apr 4, 2016",
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{
"project_name": "Window/door Replacement",
"permit_status": "Issued",
"permit_type_of_work": "Building/residential/alteration/na",
"permit_effective_date": "Feb 25, 2015",
"permit_project_type_1": "Doors and windows",
"permit_project_type_2": "Residential",
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/341-E-Highway-4_Century_FL_32535_M53730-01458",
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"down_payment_rate": 0.2,
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"effective_date": "2025-08-01"
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{
"note": "Property has Central Air. The allowance is for a 3-bedroom single-family home.",
"utility": "Air Conditioning",
"allowance": 49
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{
"note": "Selected 'electric' as property details indicate all-electric systems (water heater) and kitchen photos show an electric stove. The allowance is for a 3-bedroom unit.",
"utility": "Cooking",
"allowance": 13
},
{
"note": "Selected 'electric' as the property has central heat and other appliances are electric, suggesting an electric furnace or heat pump. The allowance is for a 3-bedroom unit.",
"utility": "Heating",
"allowance": 31
},
{
"note": "Standard monthly service fee for single-family homes with electric utilities.",
"utility": "Monthly Electric Fee",
"allowance": 11
},
{
"note": "No gas appliances were identified for the property. All systems are assumed to be electric.",
"utility": "Monthly Gas Fee",
"allowance": 0
},
{
"note": "Standard allowance for lighting, outlets, and other general electrical usage in a 3-bedroom home.",
"utility": "Other Electric",
"allowance": 70
},
{
"note": "The property details do not explicitly state that a range/oven is provided by the landlord, so it is assumed to be tenant-supplied.",
"utility": "Range (Tenant-Supplied)",
"allowance": 11
},
{
"note": "The property details do not explicitly state that a refrigerator is provided by the landlord, so it is assumed to be tenant-supplied.",
"utility": "Refrigerator (Tenant-Supplied)",
"allowance": 12
},
{
"note": "Inferred based on the property having a public water source. The allowance is for a 3-bedroom home.",
"utility": "Sewer",
"allowance": 64
},
{
"note": "Standard allowance for municipal trash collection for a single-family residence.",
"utility": "Trash Collection",
"allowance": 32
},
{
"note": "The property details explicitly state 'Water Source: Public'. The allowance is for a 3-bedroom home.",
"utility": "Water",
"allowance": 40
},
{
"note": "Selected 'electric' as the property details explicitly list an 'Electric Water Heater'. The allowance is for a 3-bedroom home.",
"utility": "Water Heater",
"allowance": 31
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],
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"down_payment_amount": 31800.0,
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"property_tax_monthly": 80.94,
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"annual_cash_flow_after_debt": 4666.73,
"property_management_monthly": 156.9,
"monthly_cash_flow_after_debt": 388.89,
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"section8_assessment": {
"runs": [
{
"summary": "This 1976 brick ranch appears to be in generally good, primarily cosmetic condition and likely to pass a Section 8/HCV initial inspection after a short punch list. Main risks are missing/unseen life-safety devices (smoke/CO detectors not visible in photos), unknown condition/verification of HVAC, water heater and electrical panel, and some exterior site cleanup (driveway cracks, debris, trees close to the house). Expect minor-to-moderate pre-inspection work (install/verify detectors, secure loose wiring, clear yard debris, repair/grade driveway areas) that should make the property rent-ready within ~30 days if mechanical systems test functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior brick shell and front porch appear in good cosmetic condition. Interior living area photos show new/OK laminate flooring, painted walls, functioning ceiling fan and intact ceilings. Observable deferred items are limited to cracked driveway, some yard debris and brush, and exterior site cleanup. No obvious severe interior finish damage or collapsed surfaces visible. Kitchen and bathrooms not shown so missing appliances/fixtures are unknown — absence of appliance photos reduces score moderately per instructions."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No visible smoke detectors or CO alarms in the provided interior photos (likely required and common inspection failure if absent). Living areas and entry show intact ceilings and windows; large windows look operable for natural light/egress but bedrooms not shown so egress not confirmed. No exposed wiring or visible electrical hazards in photos; a loose cable on the living-room floor is visible and should be secured. Entry door appears solid with a deadbolt present. No visible major water intrusion, mold staining, or ceiling sag. GFCI presence in kitchen/bath cannot be confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, roof, electrical)",
"score": 70.0,
"rationale": "Interior ceiling vent and central return suggest a central HVAC system is present; condenser not visible in photos but existence of vents supports presence. Roof appears level with no obvious sag or active leaks visible from exterior photos. No water heater, electrical panel, or plumbing visuals provided so those systems are unknown — assumed functional but unverified. Driveway cracks and trees near structure are noted but do not indicate immediate system failure. Lack of photographic proof of hot water, functioning HVAC, and electrical panel reduces score moderately."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Brick exterior appears sound; windows and shutters intact. The 1-acre lot provides ample space but has trees close to the residence which increases risk for roof and gutter debris and possible root/driveway impacts. Driveway has significant cracking and unevenness (trip hazard). There is yard debris/stacked items (covered pallet/boat) that should be cleared. No visible standing water, major foundation cracks, or obvious pest infestation in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms shown in interior photos — likely an NSPIRE fail if absent.",
"No photographic verification of kitchen/bath fixtures and appliances — could cause inspection deficiencies if missing/nonfunctional.",
"Driveway cracking and uneven surfaces present trip hazards requiring repair.",
"Large trees and overhanging vegetation close to the house increase risk of roof/gutter damage and falling limbs."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC exists and is connected/operable (inferred from visible ceiling vents/registers); condenser unit not visible in photos.",
"Kitchen and major appliances (stove, refrigerator) are not shown — assumed missing or unverified; missing appliances would be an easy-to-fix capital item if absent.",
"Water heater and electrical panel are present but were not photographed; assumed operational unless inspection/owner disclosure indicates otherwise.",
"Bedrooms and bathrooms (egress windows, GFCI outlets) were not photographed; egress and GFCI compliance are unknown and assumed typical for a renovated ranch but must be verified.",
"No evidence of major structural issues (sagging roof, foundation movement, collapsed ceilings) observed in supplied photos.",
"Property uses private septic/well or municipal utilities — utility condition unknown and not visible in photos."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE_v1.0_2026-03"
},
{
"summary": "Overall the property appears structurally sound and cosmetically in good condition for its age with only minor exterior and interior repairs needed. Major systems are present or implied (central HVAC via ceiling vents, intact roof) but not fully documented. The most likely initial Section 8/NSPIRE inspection issues are missing/uncertified smoke & CO detectors, at least one missing outlet cover, and verification of GFCI protection and appliance/hot water operation. With quick fixes (install detectors, replace outlet covers, verify/repair GFCI, address driveway trip hazards, and confirm mechanical servicing) the property should be rent-ready within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Exterior brick veneer and front entry appear in good cosmetic condition. Interior living area photos show recently laid laminate flooring, intact ceiling, functional ceiling fan/light and generally clean surfaces. Observable deferred items are minor: cracked driveway, small yard cleanup, broken/partially detached blind and at least one exposed cable/cover missing near baseboard. No widespread drywall damage, sagging ceilings, or exposed subfloor visible. Kitchen and bathrooms not photographed (appliance presence unknown) — assumed present; missing appliances would be a moderate, not catastrophic, deduction."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No immediate life-threatening hazards visible (no collapsed ceilings, standing water, or structural sagging). Entry door shows a deadbolt. However, smoke and CO detectors are not visible in photos and should be installed/verified — common NSPIRE failure on initial inspections. At least one outlet/cover appears missing which is an electrical safety item. GFCI presence in kitchen/bathrooms cannot be confirmed from photos. Large trees close to the house increase risk of falling limbs and clogged gutters. Electrical panel location and condition, hot water evidence, and bedroom egress windows are unverified. These unknowns and the visible missing outlet cover drive the score to a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 65.0,
"rationale": "Roof shingles appear intact in photos with no visible active leaks or localized sagging. Ceiling supply vents indicate a central HVAC system is present; no condenser or system condition photos were provided. No visible evidence of plumbing leaks or water stains in interior photos. Electrical panel, water heater, and age/operability of HVAC are unknown — reasonable to assume functional but likely older given 1976 build. Because major systems are not documented but show no visible failure, assign a moderate-good score pending verification and service records."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site",
"score": 75.0,
"rationale": "Large 1-acre lot provides good setback and space; brick exterior looks intact with no visible foundation cracking or severe mortar failure. Driveway shows cracking and routine sections of bare soil; yard cleanup and tree maintenance required. Some loose outdoor storage covered with tarp observed. Drainage appears generally acceptable in photos (no standing water visible), but trees close to the foundation and roof increase maintenance needs and risk of debris. Overall exterior is serviceable with minor maintenance."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central HVAC is present and operational (inferred from ceiling supply vent in living room).",
"Hot water system exists and provides hot water; no visible interior water stains or active leaks.",
"Bedrooms have at least minimally sized egress windows typical for a 1976 single-story ranch (not photographed).",
"Kitchen and laundry appliances are likely present though not shown; absence would be a moderate repair item but not a structural failure.",
"Electrical panel exists and is intact but was not photographed; assume no visible open wiring beyond the missing outlet cover seen in living room.",
"No major concealed mold, active roof leaks, or foundation movement are present based on lack of visual signs (staining, sagging, cracks) in provided photos; nevertheless these cannot be fully ruled out without interior inspection."
],
"overall_score": 69.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "Overall the property appears largely sound and cosmetically maintained — a typical 1976 brick ranch with minor exterior and cosmetic repairs likely required. Major structural issues are not evident in the photos. Primary NSPIRE risks to address before an initial voucher inspection: install/verify smoke and CO alarms, confirm GFCI outlets in kitchen/baths, verify functionality of HVAC, water heater and electrical panel, and address driveway/yard debris. With these quick items and confirmation of mechanical systems, the property is likely to pass an HCV inspection after 1–4 weeks of prep work.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Exterior and interior photos show a well-kept brick ranch with intact windows, fresh-looking laminate flooring in main living area and a solid front porch. Observable issues: cracking in the driveway apron, sparse landscaping and yard debris, minor exterior wear. No interior kitchen or bathrooms are shown — appliances and fixtures not visible; missing appliances would be an easy-to-fix / capital item but lower immediate turnkey readiness. Overall mostly cosmetic and minor repairs expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "No visible smoke detectors or CO alarms in the shown living area (required). Front door has a deadbolt. No exposed wiring or obvious electrical hazards in photos; no visible broken stairs/handrails. Bedroom egress cannot be fully confirmed from photos but front windows appear full-size. GFCI presence in kitchen/bath not visible. No active roof leaks or standing water observed. Because detectors and GFCIs are not visible and some egress/CO detector items remain unconfirmed, there is moderate NSPIRE risk that will need quick remediation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Evidence of central HVAC supply vent in living room suggests a central heating/cooling system is present, but no exterior condenser or system condition is shown. Roof shingles appear intact from images but look aged — no obvious major failure or sagging visible. Water heater, electrical panel, plumbing fixtures and drain/waste systems are not shown. Given limited view, assume systems are present but unverified; plan for inspection/possible service on HVAC, water heater and electrical to confirm functionality."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "1-acre lot with ample clearance, no visible foundation settlement or severe siding damage (brick veneer). Trees close to the house could require ongoing maintenance. Driveway shows cracking; yard has some debris and an uncovered stacked pallet/wood area (potential rodent/tenant clean-up). No obvious drainage ponding visible from photos. Overall exterior and site are serviceable with routine maintenance."
}
],
"red_flags": [
"No visible smoke detectors in interior photos (NSPIRE/Section 8 will require functioning smoke alarms in required locations).",
"Potential lead-based paint risk (property built 1976 — pre-1978 construction requires lead hazard disclosure/abatement steps if applicable)."
],
"confidence": 0.7,
"assumptions": [
"Interior kitchen and bathrooms not shown; assume appliances (stove/refrigerator) are not present in photos — may need provision/repair but are capital items rather than immediate safety failures.",
"Central HVAC exists and is operational (inferred from ceiling vent visible) but condenser and service history not shown; assume service/verification required.",
"No smoke detectors or CO alarms are visible in provided interior photo; assume detectors may be missing or need batteries/relocation to meet NSPIRE placement requirements.",
"Electrical panel condition and GFCI presence in kitchen/baths are unknown — assume at least some upgrades or verification will be required.",
"Roof is visually intact from photos but likely original/aged given home age; assume no active leak but recommend roof inspection.",
"No interior signs of severe water damage, mold, foundation movement or sagging ceilings were visible; assume none present but require on-site confirmation.",
"Property built in 1976 — potential lead-based paint hazard for painted surfaces unless confirmed otherwise."
],
"overall_score": 68.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "341 E Highway 4, Century, FL, 32535",
"aggregate": {
"summary": "This 1976 brick ranch appears to be in generally good, primarily cosmetic condition and likely to pass a Section 8/HCV initial inspection after a short punch list. Main risks are missing/unseen life-safety devices (smoke/CO detectors not visible in photos), unknown condition/verification of HVAC, water heater and electrical panel, and some exterior site cleanup (driveway cracks, debris, trees close to the house). Expect minor-to-moderate pre-inspection work (install/verify detectors, secure loose wiring, clear yard debris, repair/grade driveway areas) that should make the property rent-ready within ~30 days if mechanical systems test functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 74.0,
"rationale": "Exterior brick shell and front porch appear in good cosmetic condition. Interior living area photos show new/OK laminate flooring, painted walls, functioning ceiling fan and intact ceilings. Observable deferred items are limited to cracked driveway, some yard debris and brush, and exterior site cleanup. No obvious severe interior finish damage or collapsed surfaces visible. Kitchen and bathrooms not shown so missing appliances/fixtures are unknown — absence of appliance photos reduces score moderately per instructions."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 73.3,
"rationale": "Brick exterior appears sound; windows and shutters intact. The 1-acre lot provides ample space but has trees close to the residence which increases risk for roof and gutter debris and possible root/driveway impacts. Driveway has significant cracking and unevenness (trip hazard). There is yard debris/stacked items (covered pallet/boat) that should be cleared. No visible standing water, major foundation cracks, or obvious pest infestation in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 63.3,
"rationale": "No visible smoke detectors or CO alarms in the provided interior photos (likely required and common inspection failure if absent). Living areas and entry show intact ceilings and windows; large windows look operable for natural light/egress but bedrooms not shown so egress not confirmed. No exposed wiring or visible electrical hazards in photos; a loose cable on the living-room floor is visible and should be secured. Entry door appears solid with a deadbolt present. No visible major water intrusion, mold staining, or ceiling sag. GFCI presence in kitchen/bath cannot be confirmed from photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, roof, electrical)",
"score": 65.0,
"rationale": "Interior ceiling vent and central return suggest a central HVAC system is present; condenser not visible in photos but existence of vents supports presence. Roof appears level with no obvious sag or active leaks visible from exterior photos. No water heater, electrical panel, or plumbing visuals provided so those systems are unknown — assumed functional but unverified. Driveway cracks and trees near structure are noted but do not indicate immediate system failure. Lack of photographic proof of hot water, functioning HVAC, and electrical panel reduces score moderately."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms shown in interior photos — likely an NSPIRE fail if absent.",
"No photographic verification of kitchen/bath fixtures and appliances — could cause inspection deficiencies if missing/nonfunctional.",
"Driveway cracking and uneven surfaces present trip hazards requiring repair.",
"Large trees and overhanging vegetation close to the house increase risk of roof/gutter damage and falling limbs."
],
"confidence": 0.95,
"assumptions": [
"Central HVAC exists and is connected/operable (inferred from visible ceiling vents/registers); condenser unit not visible in photos.",
"Kitchen and major appliances (stove, refrigerator) are not shown — assumed missing or unverified; missing appliances would be an easy-to-fix capital item if absent.",
"Water heater and electrical panel are present but were not photographed; assumed operational unless inspection/owner disclosure indicates otherwise.",
"Bedrooms and bathrooms (egress windows, GFCI outlets) were not photographed; egress and GFCI compliance are unknown and assumed typical for a renovated ranch but must be verified.",
"No evidence of major structural issues (sagging roof, foundation movement, collapsed ceilings) observed in supplied photos.",
"Property uses private septic/well or municipal utilities — utility condition unknown and not visible in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 69.0,
"rubric_version": "nsPIRE_v1.0_2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5373001458"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.