Property ID: 5757026996

11150 Highway 97, Walnut Hill, FL, 32568

Walnut Hill, FL

For Sale Mar 27, 2026 07:56 PM UTC Realtor Street View Rent Zestimate
Money Down: $33,360 CoC Return: 17.44% Monthly Cash Flow: $485
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$27,800
Closing Costs
$5,560
Total Down
$33,360
Primary property image

Investment Snapshot

Purchase Price
$139,000
Money Down
$33,360
Cash-on-Cash Return
17.44%
Rent
$1,576
Monthly Cash Flow
$485
Annual Cash Flow
$5,817
Debt Service / Mo
$740
Property Tax / Mo
$114
Insurance / Mo
$80

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,576
Payment Standard
$1,933
Rent
$1,576
Insurance
$80
Property Tax
$114
Management
$158
Utilities Allowance
$357
NOI (Monthly)
$1,225
Debt Service
$740
Cash Flow After Debt
$485

Quality Score: 55.40%

Confidence: 88.00%

Moderate-risk fixer-upper. The new roof is a strong positive and the building is structurally intact in photos, but there are several moderate inspection risks: exposed wiring, kitchen plywood subfloor/unfinished flooring, an older wall heater with no visible CO alarm, missing/removed refrigerator, and unknown condition of water heater and electrical panel. Expect 30–60 days of repairs including electrical corrections (cover plates, secure wiring, possible panel servicing), finish carpentry/flooring in kitchen, installation/verification of CO and smoke detectors, and minor exterior/porch repairs before passing an initial HCV/NSPIRE inspection.

Section 8 Payment Standard
$1,933
Utility Allowance Total
$357
Guaranteed Section 8 Rent (PS - Utilities)
$1,576
Property Management
$158

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$139,000
Beds
3
Baths
2
Living Area
1,024 sqft
Lot Size
33,541 sqft
Year Built
1950
Days on Market
169
Capital Outlay
$33,360
Debt Service
$740
Property Tax / Mo
$114
Insurance / Mo
$80

Property Description

Davisville, FL - NEW PRICE! NEW ROOF + OWNER FINANCING AVAILABLE. Zoned RMU: Ideal for Home or Business Use. A brand-new roof (Dec. 2025) sets the stage for this 3-bedroom, 2-bath fixer-upper on an oversized 0.77-acre lot just south of the Piggly Wiggly Shopping Center in Davisville. Whether you're looking for a renovation project, a value investment, or a property that can serve both home and business needs, this one checks the boxes. Zoned RMU - Mixed Residential Use, the property allows residential living with select business uses, offering flexibility rarely found. Buyer to verify all information during due diligence..

Utility Allowances

air_conditioning
$49
Selected the 3-bedroom allowance for a single-family home. Property description lists 'Wall/Window Unit(s)' for cooling.
cooking
$13
Selected the 'electric' option based on images showing an electric stove. Chosen the 3-bedroom allowance.
heating
$31
Selected the 'electric' option as property details list 'Heating Features: Wall/Window Unit(s)', which is typically electric. Chosen the 3-bedroom allowance.
monthly_electric_fee
$11
Standard monthly electric service fee for a 3-bedroom unit, as electric service is required.
monthly_gas_fee
$13
Standard monthly gas service fee for a 3-bedroom unit. Included because the property has a gas water heater.
other_electric
$70
Standard allowance for lights and general electrical appliances for a 3-bedroom unit.
range_tenant_supplied
$11
The property's 'Appliances' list does not explicitly include a range or oven. Per the rules, this is treated as a tenant-supplied appliance.
refrigerator_tenant_supplied
$0
The property's 'Appliances' list explicitly includes 'Refrigerator', so it is owner-provided. The tenant allowance is $0.
sewer
$64
Inferred as a required public utility since the water source is 'Public'. Selected the 3-bedroom allowance.
trash_collection
$32
Standard utility for a single-family residence. The allowance is a fixed rate for all bedroom sizes.
water
$40
The property description specifies 'Water Source: Public'. Selected the 3-bedroom allowance.
water_heater
$23
Selected the 'natural_gas' option as property details specifically list 'Gas Water Heater'. Chosen the 3-bedroom allowance.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$957
DP3 Annual Estimate$957
DP1 Monthly Equivalent$80
DP3 Monthly Equivalent$80
Replacement Value$76,283
Basis1,024 sqft / 1950

Nearby Houses

Nearby house 1
Photo unavailable

01 Highway 97

sold · 0.01 mi
Price: $55,000
— bd / — ba
Latest sale: $55,000
Latest rent: —
Nearby house 2
Photo unavailable

10900 Highway 97

sold · 0.37 mi
Price: $62,000
— bd / — ba
Latest sale: $62,000
Latest rent: —
Nearby house 3
Photo unavailable

10981 Highway 97

sold · 0.37 mi
Price: $82,000
— bd / — ba
Latest sale: $82,000
Latest rent: —
Nearby house 4
Photo unavailable

6151 Meadows Rd

sold · 0.37 mi
Price: $159,000
2 bd / 2 ba · 1,780 sqft
Latest sale: $159,000
Latest rent: —
Nearby house 5
Photo unavailable

10965 Highway 97

sold · 0.40 mi
Price: $159,000
3 bd / 2 ba · 1,242 sqft
Latest sale: $159,000
Latest rent: —
Nearby house 6
Photo unavailable

10971 Highway 97

sold · 0.41 mi
Price: $145,000
3 bd / 2 ba · 1,401 sqft
Latest sale: $145,000
Latest rent: —
Nearby house 7
Photo unavailable

6201 Meadows Rd

sold · 0.43 mi
Price: $245,000
3 bd / 2 ba · 1,456 sqft
Latest sale: $245,000
Latest rent: —
Nearby house 8
Photo unavailable

10961 Highway 97

for_sale · 0.44 mi
Price: $60,000
— bd / — ba
Latest sale: $59,000
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Exposed electrical wiring at baseboard/near floor (electrical hazard).
  • Kitchen area shows exposed plywood subfloor (trip hazard / unfinished floor).
  • No visible carbon monoxide alarm despite an older wall heater and on-site propane tank (CO safety risk).
  • Refrigerator appears removed or inoperable; some kitchen appliances/storage condition uncertain.
  • Unknown condition/location of main electrical panel and water heater (critical systems unverified).

Assumptions

  • Listing statement 'brand-new roof (Dec. 2025)' is accurate and roof is in good condition.
  • Wall-mounted heater seen in living areas is a fuel-fired unit (likely gas) rather than central HVAC; its operability is unknown.
  • Water heater, main electrical panel and bathroom fixtures are present on site but were not photographed; their condition is unknown.
  • Bedrooms and bathrooms (not photographed) meet minimum egress and function but may need cosmetic repairs.
  • Kitchen plywood is temporary/unfinished subfloor and not evidence of collapsed subfloor; there is no visible active water intrusion in photos.
  • No evidence of major foundation movement, roof sagging or collapsing ceilings in provided photos; such issues would be called out if visible.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $1,329 $86,111 $79,747
2023 $1,161 $84,370 $74,179
2022 $1,052 $72,015 $67,436
2021 $979 $62,283 $61,306
2020 $884 $55,733 $55,733
2019 $848 $52,650 $52,650
2018 $826 $50,039 $50,039
2017 $791 $46,531 $46,531
2016 $813 $47,216 $47,216
2015 $768 $45,166 $45,166
2014 $709 $43,569 $43,569
2013 $699 $40,272 $40,272
2012 $134 $38,520 $28,713
2011 $116 $41,498 $27,877
2010 $105 $43,054 $43,054
2009 $94 $44,610 $44,610
2008 $93 $51,379 $51,379
2007 $82 $50,740 $25,940

Sale History

DateEventPrice
2026-02-13 Price Changed $139,000
2026-02-13 Price Changed $139,000
2025-12-29 Listed $149,900
2025-12-23 Listed $149,900
2025-08-22 Sold $69,900
2025-08-06 Listed $69,900
2012-09-10 Sold $59,000
2012-08-10 Listing removed $59,900
2012-06-27 Price Changed $59,900
2012-04-17 Relisted $69,900
2012-04-13 Listing removed $76,900
2011-04-18 Relisted $76,900
2011-04-13 Listing removed $89,900
2010-07-16 Relisted $89,900
2010-07-12 Listing removed $89,900
2010-07-11 Price Changed $89,900
2009-10-15 Listed $129,900

Photo Gallery

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      },
      {
        "note": "Standard monthly gas service fee for a 3-bedroom unit. Included because the property has a gas water heater.",
        "utility": "monthly_gas_fee",
        "allowance": 13
      },
      {
        "note": "Standard allowance for lights and general electrical appliances for a 3-bedroom unit.",
        "utility": "other_electric",
        "allowance": 70
      },
      {
        "note": "The property's 'Appliances' list does not explicitly include a range or oven. Per the rules, this is treated as a tenant-supplied appliance.",
        "utility": "range_tenant_supplied",
        "allowance": 11
      },
      {
        "note": "The property's 'Appliances' list explicitly includes 'Refrigerator', so it is owner-provided. The tenant allowance is $0.",
        "utility": "refrigerator_tenant_supplied",
        "allowance": 0
      },
      {
        "note": "Inferred as a required public utility since the water source is 'Public'. Selected the 3-bedroom allowance.",
        "utility": "sewer",
        "allowance": 64
      },
      {
        "note": "Standard utility for a single-family residence. The allowance is a fixed rate for all bedroom sizes.",
        "utility": "trash_collection",
        "allowance": 32
      },
      {
        "note": "The property description specifies 'Water Source: Public'. Selected the 3-bedroom allowance.",
        "utility": "water",
        "allowance": 40
      },
      {
        "note": "Selected the 'natural_gas' option as property details specifically list 'Gas Water Heater'. Chosen the 3-bedroom allowance.",
        "utility": "water_heater",
        "allowance": 23
      }
    ],
    "cash_on_cash_return": 0.53,
    "down_payment_amount": 27800.0,
    "property_tax_annual": 1368.87,
    "property_tax_monthly": 114.07,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 357.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "/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"
      ],
      "effective_date": "2025-08-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": 5817.13,
    "property_management_monthly": 157.6,
    "monthly_cash_flow_after_debt": 484.76,
    "cash_on_cash_return_after_debt": 0.21
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Moderate-risk fixer-upper. The new roof is a strong positive and the building is structurally intact in photos, but there are several moderate inspection risks: exposed wiring, kitchen plywood subfloor/unfinished flooring, an older wall heater with no visible CO alarm, missing/removed refrigerator, and unknown condition of water heater and electrical panel. Expect 30–60 days of repairs including electrical corrections (cover plates, secure wiring, possible panel servicing), finish carpentry/flooring in kitchen, installation/verification of CO and smoke detectors, and minor exterior/porch repairs before passing an initial HCV/NSPIRE inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 60.0,
            "rationale": "Property is a visible fixer-upper but not catastrophic. Interior shows intact wood floors and painted walls; several cosmetic issues (chipped paint, worn trim). Kitchen floor is plywood/subfloor in place of finished floor and needs new flooring. Exterior paint and porch ceiling fan blades are damaged. Some appliances missing or displaced (refrigerator appears removed/pulled apart); stove and dishwasher present but age unknown. Overall repair scope is moderate — cosmetic + finish trades and some carpentry and appliance replacement, not full structural rehab."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 50.0,
            "rationale": "Mixed compliance signals on visible safety items. Smoke detectors are visible in multiple interior photos (positive). There is exposed wiring at floor level in one living-room photo (green wire), and some outlets/cover conditions are inconsistent — presents an electrical hazard risk. No carbon-monoxide alarm visible despite a wall-mounted gas-style heater (and a propane tank visible on the lot) — CO protection may be required. Entry door hardware appears old and I cannot confirm a deadbolt. Windows appear intact and egress likely adequate but bedrooms/baths not photographed. Missing GFCI in kitchen/bath not confirmed but likely given age. These issues create moderate NSPIRE risk until electrical and CO/GFCI/locking hardware are verified."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 55.0,
            "rationale": "Listing notes a brand-new roof (Dec 2025) — roof condition likely good. No central HVAC unit is visible; heating appears to be via an older wall-mounted gas/electric heater (seen in multiple photos) and ceiling fans; condition and operability unknown. Water heater and main electrical panel are not shown. Kitchen appliances include an electric range and dishwasher; refrigerator appears removed or nonfunctional. Plumbing fixtures visible at the kitchen sink look intact but water supply, hot water availability, drains and water heater condition are unverified. Given the new roof but unknowns on HVAC, water heater and electrical panel, score reflects fair systems with key unknowns."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior envelope looks intact: siding and trim appear serviceable and a recent roof replacement is stated. Front porch structure and decorative columns appear stable though paint/finish is worn; porch has short steps with a small handrail but no full guardrail (low-rise). Yard is large (0.77 acre) and somewhat overgrown but no visible standing water or major drainage issues in photos. Garage/carport is open and concrete floor present. Overall exterior readiness is decent but landscaping and minor cleanup required."
          }
        ],
        "red_flags": [
          "Exposed electrical wiring at baseboard/near floor (electrical hazard).",
          "Kitchen area shows exposed plywood subfloor (trip hazard / unfinished floor).",
          "No visible carbon monoxide alarm despite an older wall heater and on-site propane tank (CO safety risk).",
          "Refrigerator appears removed or inoperable; some kitchen appliances/storage condition uncertain.",
          "Unknown condition/location of main electrical panel and water heater (critical systems unverified)."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Listing statement 'brand-new roof (Dec. 2025)' is accurate and roof is in good condition.",
          "Wall-mounted heater seen in living areas is a fuel-fired unit (likely gas) rather than central HVAC; its operability is unknown.",
          "Water heater, main electrical panel and bathroom fixtures are present on site but were not photographed; their condition is unknown.",
          "Bedrooms and bathrooms (not photographed) meet minimum egress and function but may need cosmetic repairs.",
          "Kitchen plywood is temporary/unfinished subfloor and not evidence of collapsed subfloor; there is no visible active water intrusion in photos.",
          "No evidence of major foundation movement, roof sagging or collapsing ceilings in provided photos; such issues would be called out if visible."
        ],
        "overall_score": 58.0,
        "rubric_version": "ns-patch-2026-03"
      },
      {
        "summary": "Moderate-risk fixer-upper likely to pass Section 8/HCV initial inspection after 30–60 days of targeted repairs. Strengths: new roof (Dec 2025), intact structure, appliances present (range, dishwasher), visible smoke detectors. Primary issues: exposed/temporary kitchen subfloor (trip hazard), possible missing GFCI at kitchen sink, older wall heater (operation/venting unknown), incomplete porch handrail/step condition, and items that cannot be verified from photos (water heater, electrical panel, central AC). Recommend verify utilities, install/confirm CO detector if gas/propane present, add GFCI at kitchen, secure/repair flooring, test heater and electrical panel, and address porch handrail/garage door before leasing to voucher holder.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 60.0,
            "rationale": "Interior shell is intact but clearly a 'fixer-upper' — hardwoods in decent shape outside kitchen, but plywood subfloor/temporary flooring in kitchen, scuffed trim, peeling paint on door, missing/re-positioned refrigerator, and general cosmetic deferred maintenance. Kitchen cabinets and counters are aged but serviceable; appliances (range, dishwasher) present though fridge may be missing. These are primarily moderate, easy-to-fix and cosmetic issues; not structural. Score reduced for exposed subfloor and overall deferred maintenance that will require moderate work before rent-ready."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 55.0,
            "rationale": "Positive: visible smoke detectors in living/kitchen area. No obvious active roof leaks or collapsed ceilings; egress windows appear present in bedrooms from photos. Concerns: no visible GFCI at sink (kitchen outlet appears standard), older wall-mounted heater (age/clearances unknown), plywood in kitchen creates trip hazard/exposed subfloor, porch step/handrail configuration partially non-compliant (handrail is minimal), and some exterior cable/wiring routed around porch column. Carbon monoxide alarm not visible (important if gas/propane appliances present). These issues are correctable but raise inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 50.0,
            "rationale": "Roof reported new (Dec 2025) — positive for near-term roof integrity. Visible heating is an older wall unit (likely gas or electric) — presence meets basic heating requirement but age/operation unknown. No central HVAC evident (no duct returns or condenser visible) — in many jurisdictions AC is expected in Florida markets though HUD HQS focuses on heating; lack of central cooling could be a local issue. Plumbing fixtures (kitchen sink) appear present but water heater location and condition not shown. Electrical panel not shown; visible outlets exist. Because several major systems cannot be confirmed from photos (AC, water heater, electrical panel) and the wall heater is older, score reduced to reflect uncertainty and need for system tests/repairs."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site",
            "score": 60.0,
            "rationale": "Exterior siding and porch appear serviceable; large lot and new roof are positives. Garage opening appears without a closing door (or door left open) which could be a security/weather concern. Yard is overgrown in places and there is a visible above-ground propane tank on the lot (indicates gas usage and need for proper clearances). Pathways/driveway show wear; concrete porch has small steps and limited guardrail. No visible major foundation cracks or sagging in photos. Overall manageable exterior items but some cleanup and minor repairs needed."
          }
        ],
        "red_flags": [
          "Exposed subfloor/temporary plywood in kitchen creating trip hazards and potential failed HQS item (exposed subfloor listed as a major issue).",
          "Potential electrical hazards: no visible GFCI at kitchen sink and older wall heater with unknown condition/clearances.",
          "Porch/entry step and railing may be non-compliant / unsafe (partial or missing handrail and low guardrail).",
          "Propane tank visible on-site — requires verification of safe connections and proper venting for gas appliances.",
          "Missing or unconfirmed carbon monoxide alarm (important if gas/propane appliances/heater are used)."
        ],
        "confidence": 0.55,
        "assumptions": [
          "Listing statement that roof was replaced Dec 2025 is accurate and the roof is in good condition.",
          "Utilities (water, electric, gas/propane) are available to the property but not tested in photos.",
          "Wall-mounted heater is the primary heating source and is operational or repairable; no central HVAC unit is present or visible.",
          "Water heater exists on property and supplies hot water, although not pictured; seller/owner will verify operation.",
          "Electrical service and panel are present and intact inside the structure but were not shown; no visible major exposed live wiring inside living spaces besides minor exterior wiring noted.",
          "No significant concealed structural damage (foundation movement, major rot) exists beyond what is visible in provided photos; photos show no clear sagging or collapsed ceilings.",
          "Plywood in the kitchen is a temporary/repair condition (exposed subfloor) rather than an intentional finished floor."
        ],
        "overall_score": 56.0,
        "rubric_version": "2026-03-NSPIRE-v1"
      },
      {
        "summary": "Moderate risk for NSPIRE/HCV initial inspection. The property has a number of repair and safety items that will likely require correction before passing: exposed kitchen subfloor, missing/insufficient porch handrail, lack of visible CO detector and possible missing GFCI protection, and unsecured garage/entry. A recent/new roof (per listing) is a strong positive. Expect moderate repairs and 30–60 days of work (electrical checks, flooring, handrails, CO/GFCI installation, appliance verification, basic exterior cleanup and securing) before the unit is reliably rent-ready under Section 8 standards.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 55.0,
            "rationale": "Interior and exterior are generally intact but show clear deferred maintenance: kitchen has exposed plywood subfloor, cabinet/counter surfaces are worn, baseboard/door trim paint chipping, front door hardware and storm door wear, garage appears open/missing a door or not secured, and porch steps/approach are worn. Floors and walls are largely salvageable (hardwood present) but visible cosmetic and capital repairs are required. Missing or moved refrigerator seen in photos reduces readiness but is not catastrophic."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 45.0,
            "rationale": "Some required safety items visible (ceiling smoke detectors shown in photos). However there are several inspection risks: kitchen subfloor exposed (trip hazard/unfinished), front porch steps lack a proper continuous handrail, potential lead-paint risk (home built 1950 with chipping paint at door thresholds), no visible carbon-monoxide detector (fuel-burning wall heater and apparent propane tanks on site), and GFCI protection at kitchen counters is not visible. Electrical panel and wiring condition are not shown. These issues create moderate NSPIRE failure risk until corrected."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 50.0,
            "rationale": "Listing states a new roof (Dec 2025) which is a major positive for system integrity (assumed installed/recent). Heating appears to be an older wall gas/propane heater visible in photos — presence is good but age and operational condition unknown. No central HVAC/air handler shown (typical for older homes) and no water heater or mechanical room photographed. Kitchen appliances (stove, dishwasher) are present but condition/function not verified. Electrical panel, plumbing fixtures, hot water supply and drainage not shown; unknowns lower the score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 60.0,
            "rationale": "Exterior siding and paint appear in fair condition; porch and foundation appear visually stable with no sagging. Yard is overgrown and walkways/driveway show wear and irregular surfaces. Large propane tanks are present on the lot (visible) which requires verification of safe installation and clearances. The attached garage area appears open or missing a door which affects security and weather protection. No visible major foundation cracks, sagging rooflines, collapsed elements or standing water observed."
          }
        ],
        "red_flags": [
          "Exposed kitchen subfloor/unfinished floorboards (trip hazard / exposed subfloor - NSPIRE major red flag)",
          "Front porch/entry steps lack a proper continuous handrail (unsafe stairs/handrail deficiency)",
          "No visible carbon monoxide detector while fuel-burning heater and large propane tanks are on-site (CO detector required where applicable)",
          "Potential missing GFCI protection at kitchen counter plumbing/sink (common NSPIRE fail if absent)",
          "Garage appears unsecured or missing a garage door (security/weather issue for habitable unit)"
        ],
        "confidence": 0.7,
        "assumptions": [
          "New roof noted in listing (Dec 2025) is completed and in good condition; assessor relied on seller statement where roof interior shows no visible leaks.",
          "Smoke detectors shown in photos are functional but batteries and placement (hallways/each sleeping room) need verification; no carbon-monoxide detector visible so assume one is not installed.",
          "Kitchen stove, dishwasher and sink are present but operational status is unknown; refrigerator appears present but moved—assume landlord may supply or replace appliances.",
          "Wall-mounted heater is the primary heating source; condition and safe operation are unknown and should be tested/serviced.",
          "Electrical panel condition and presence of GFCI outlets at kitchen/bath are not visible; assume older property likely lacks modern GFCI protection unless remedied.",
          "Bedrooms likely have operable windows but exact egress compliance and emergency escape dimensions were not measured; assume typical double-hung windows are adequate but must be confirmed.",
          "No evidence of severe mold, active roof leaks, collapsed ceilings, or major foundation movement in provided photos; hidden issues remain possible given age (1950) and visible deferred maintenance.",
          "Lead-based paint risk is possible due to age of home; paint condition appears chipped in areas (door thresholds) requiring testing/abatement per HUD if disturbed."
        ],
        "overall_score": 52.0,
        "rubric_version": "2026-03-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "11150 Highway 97, Walnut Hill, FL, 32568",
    "aggregate": {
      "summary": "Moderate-risk fixer-upper. The new roof is a strong positive and the building is structurally intact in photos, but there are several moderate inspection risks: exposed wiring, kitchen plywood subfloor/unfinished flooring, an older wall heater with no visible CO alarm, missing/removed refrigerator, and unknown condition of water heater and electrical panel. Expect 30–60 days of repairs including electrical corrections (cover plates, secure wiring, possible panel servicing), finish carpentry/flooring in kitchen, installation/verification of CO and smoke detectors, and minor exterior/porch repairs before passing an initial HCV/NSPIRE inspection.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 58.3,
          "rationale": "Property is a visible fixer-upper but not catastrophic. Interior shows intact wood floors and painted walls; several cosmetic issues (chipped paint, worn trim). Kitchen floor is plywood/subfloor in place of finished floor and needs new flooring. Exterior paint and porch ceiling fan blades are damaged. Some appliances missing or displaced (refrigerator appears removed/pulled apart); stove and dishwasher present but age unknown. Overall repair scope is moderate — cosmetic + finish trades and some carpentry and appliance replacement, not full structural rehab."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 63.3,
          "rationale": "Exterior envelope looks intact: siding and trim appear serviceable and a recent roof replacement is stated. Front porch structure and decorative columns appear stable though paint/finish is worn; porch has short steps with a small handrail but no full guardrail (low-rise). Yard is large (0.77 acre) and somewhat overgrown but no visible standing water or major drainage issues in photos. Garage/carport is open and concrete floor present. Overall exterior readiness is decent but landscaping and minor cleanup required."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance Risk",
          "score": 50.0,
          "rationale": "Mixed compliance signals on visible safety items. Smoke detectors are visible in multiple interior photos (positive). There is exposed wiring at floor level in one living-room photo (green wire), and some outlets/cover conditions are inconsistent — presents an electrical hazard risk. No carbon-monoxide alarm visible despite a wall-mounted gas-style heater (and a propane tank visible on the lot) — CO protection may be required. Entry door hardware appears old and I cannot confirm a deadbolt. Windows appear intact and egress likely adequate but bedrooms/baths not photographed. Missing GFCI in kitchen/bath not confirmed but likely given age. These issues create moderate NSPIRE risk until electrical and CO/GFCI/locking hardware are verified."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical Condition",
          "score": 51.7,
          "rationale": "Listing notes a brand-new roof (Dec 2025) — roof condition likely good. No central HVAC unit is visible; heating appears to be via an older wall-mounted gas/electric heater (seen in multiple photos) and ceiling fans; condition and operability unknown. Water heater and main electrical panel are not shown. Kitchen appliances include an electric range and dishwasher; refrigerator appears removed or nonfunctional. Plumbing fixtures visible at the kitchen sink look intact but water supply, hot water availability, drains and water heater condition are unverified. Given the new roof but unknowns on HVAC, water heater and electrical panel, score reflects fair systems with key unknowns."
        }
      ],
      "red_flags": [
        "Exposed electrical wiring at baseboard/near floor (electrical hazard).",
        "Kitchen area shows exposed plywood subfloor (trip hazard / unfinished floor).",
        "No visible carbon monoxide alarm despite an older wall heater and on-site propane tank (CO safety risk).",
        "Refrigerator appears removed or inoperable; some kitchen appliances/storage condition uncertain.",
        "Unknown condition/location of main electrical panel and water heater (critical systems unverified)."
      ],
      "confidence": 0.88,
      "assumptions": [
        "Listing statement 'brand-new roof (Dec. 2025)' is accurate and roof is in good condition.",
        "Wall-mounted heater seen in living areas is a fuel-fired unit (likely gas) rather than central HVAC; its operability is unknown.",
        "Water heater, main electrical panel and bathroom fixtures are present on site but were not photographed; their condition is unknown.",
        "Bedrooms and bathrooms (not photographed) meet minimum egress and function but may need cosmetic repairs.",
        "Kitchen plywood is temporary/unfinished subfloor and not evidence of collapsed subfloor; there is no visible active water intrusion in photos.",
        "No evidence of major foundation movement, roof sagging or collapsing ceilings in provided photos; such issues would be called out if visible."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 55.4,
      "rubric_version": "ns-patch-2026-03",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "5757026996"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.