Property ID: 5811285353
5320 NE 9th Ave, Deerfield Beach, FL, 33064
Deerfield Beach, FL
Money Down: $67,176
CoC Return: 14.74%
Monthly Cash Flow: $825
Est. Final ARV: $373,225
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$55,980
Closing Costs
$11,196
Total Down
$67,176
Investment Snapshot
Purchase Price
$279,900
Money Down
$67,176
Cash-on-Cash Return
14.74%
Rent
$2,910
Monthly Cash Flow
$825
Annual Cash Flow
$9,905
Debt Service / Mo
$1,490
Property Tax / Mo
$222
Insurance / Mo
$82
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,910
Payment Standard
$3,160
Rent
$2,910
Insurance
$82
Property Tax
$222
Management
$291
Utilities Allowance
$250
NOI (Monthly)
$2,315
Debt Service
$1,490
Cash Flow After Debt
$825
Quality Score: 51.50%
Confidence: 90.00%
This 3/1 property has solid potential but currently presents moderate inspection risk. Cosmetic condition is average-to-poor but fixable; however the photos show an electrical/service area with exposed wiring and damaged enclosure that is an inspection-level safety hazard and must be remedied before a successful HCV/NSPIRE inspection. Missing/unstated items likely include smoke/CO detectors and kitchen appliances. With targeted corrections (professional electrical repair, installation of code-compliant smoke/CO/GFCI devices, minor exterior and finish repairs, cleanup) the property could pass, but in its present photographed condition it is unlikely to pass an initial voucher inspection.
Section 8 Payment Standard
$3,160
Utility Allowance Total
$250
Guaranteed Section 8 Rent (PS - Utilities)
$2,910
Property Management
$291
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$279,900
Beds
3
Baths
1
Living Area
1,056 sqft
Lot Size
6,098 sqft
Year Built
1972
Days on Market
86
Capital Outlay
$67,176
Debt Service
$1,490
Property Tax / Mo
$222
Insurance / Mo
$82
Property Description
3 Bed / 1 Bath home with tons of potential! Good Roof. Plumbing has been updated to PVC. Needs some TLC-perfect for investors or first-time buyers looking to add value. Priced to sell fast. Great location just minutes from the beach, shopping, and dining. Don't miss this opportunity! Easy to Show. Multiple Offer Received. Please submit Highest & Best by Friday 3/27. Cash only, Sold as-is.
Utility Allowances
air_conditioning
$32
The property is a single-family home in Florida, making air conditioning a standard utility. The allowance is a fixed amount based on the bedroom count from the schedule.
cooking
$12
The property has electricity available, but no specific cooking fuel is mentioned. Electric was chosen as the most common and logical option over natural gas or propane.
heating
$5
The property is listed as having heating, but the fuel type is not specified. Electric was selected as it is the most common system in the region for homes without gas service.
natural_gas_base_charge
$0
As cooking and heating are assumed to be electric and no other gas appliances are mentioned, the natural gas base charge is not applicable.
other_electric
$37
This is a standard fixed allowance for general electricity usage, such as lighting and small appliances, based on the number of bedrooms.
range_microwave
$4
The property information does not state that a microwave is provided. Per the rules, an allowance for a tenant-owned microwave is included.
refrigerator
$5
The property information does not state that a refrigerator is provided. Per the rules, an allowance for a tenant-owned refrigerator is included.
sewer
$51
The property details explicitly state it uses 'Public Sewer'. The allowance is a fixed amount from the schedule for a 3-bedroom unit.
trash_collection
$25
Trash collection is a standard service for single-family homes and has a fixed allowance on the schedule.
water
$44
The property details explicitly state the 'Water Source: Public'. The allowance is a fixed amount from the schedule for a 3-bedroom unit.
water_heating
$35
The fuel for water heating is not specified. Electric was assumed as it is the most common and consistent with the absence of gas service in the property details.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$987
DP3 Annual Estimate$987
DP1 Monthly Equivalent$82
DP3 Monthly Equivalent$82
Replacement Value$301,690
Basis1,056 sqft / 1972
Nearby Houses
Photo unavailable
5310 NE 9th Ave
sold · 0.01 mi
Price: $264,000
3 bd / 1 ba · 1,056 sqft
Latest sale: $264,000
Latest rent: —
Photo unavailable
5321 NE 9th Ter
sold · 0.02 mi
Price: $360,000
3 bd / 1 ba · 1,056 sqft
Latest sale: $360,000
Latest rent: —
Photo unavailable
5331 NE 9th Ter
sold · 0.02 mi
Price: $338,000
3 bd / 2 ba · 1,056 sqft
Latest sale: $338,000
Latest rent: —
Photo unavailable
5301 NE 9th Ter
sold · 0.03 mi
Price: $367,000
3 bd / 2 ba · 1,206 sqft
Latest sale: $367,000
Latest rent: —
Photo unavailable
5311 NE 9th Ave
off_market · 0.03 mi
Price: $345,000
3 bd / 1 ba · 1,056 sqft
Latest sale: $72,000
Latest rent: —
Photo unavailable
5321 NE 9th Ave
sold · 0.04 mi
Price: $398,000
3 bd / 3 ba · 1,716 sqft
Latest sale: $398,000
Latest rent: —
Photo unavailable
910 NE 52nd Ct
sold · 0.06 mi
Price: $318,000
4 bd / 3 ba · 1,218 sqft
Latest sale: $318,000
Latest rent: —
Photo unavailable
930 NE 52nd Ct
for_sale · 0.07 mi
Price: $350,000
4 bd / 3 ba · 1,422 sqft
Latest sale: $98,000
Latest rent: —
Photo unavailable
5321 NE 10th Ave
sold · 0.07 mi
Price: $470,000
4 bd / 3 ba · 1,646 sqft
Latest sale: $470,000
Latest rent: —
Photo unavailable
861 NE 52nd St
sold · 0.08 mi
Price: $310,000
4 bd / 2 ba · 1,399 sqft
Latest sale: $310,000
Latest rent: —
Photo unavailable
960 NE 52nd Ct
sold · 0.09 mi
Price: $148,000
2 bd / 1 ba · 848 sqft
Latest sale: $148,000
Latest rent: —
Photo unavailable
521 SW 15th St
sold · 0.10 mi
Price: $329,900
3 bd / 2 ba · 1,413 sqft
Latest sale: $329,900
Latest rent: —
Photo unavailable
600 SW 14th Pl
sold · 0.10 mi
Price: $450,000
3 bd / 2 ba · 1,166 sqft
Latest sale: $450,000
Latest rent: —
Photo unavailable
831 NE 52nd St
sold · 0.10 mi
Price: $180,000
3 bd / 2 ba · 1,201 sqft
Latest sale: $180,000
Latest rent: —
Photo unavailable
620 SW 14th Pl
sold · 0.11 mi
Price: $257,500
3 bd / 3 ba · 1,066 sqft
Latest sale: $257,500
Latest rent: —
Photo unavailable
821 NE 52nd St
sold · 0.11 mi
Price: $433,000
5 bd / 3 ba · 1,813 sqft
Latest sale: $433,000
Latest rent: —
Photo unavailable
1480 SW 5th Ave
for_sale · 0.13 mi
Price: $509,000
3 bd / 2 ba · 1,344 sqft
Latest sale: $82,000 on Dec 15, 2015
Latest rent: —
Properties Used for Comps
Photo unavailable
806 NE 52nd St, Deerfield Beach, FL, 33064
sold
Price: $392,000
Rent: —
3 bd / 2 ba · 1,201 sqft
Sale Date: Apr 22, 2024
Distance: 0.14 mi
View listing
Photo unavailable
Deerfield Beach, FL, 33441
sold
Price: $420,000
Rent: —
3 bd / 2 ba · 1,207 sqft
Sale Date: Mar 19, 2025
Distance: 0.18 mi
View listing
Photo unavailable
600 SW 14th Pl, Deerfield Beach, FL, 33441
sold
Price: $450,000
Rent: —
3 bd / 2 ba · 1,166 sqft
Sale Date: Nov 03, 2025
Distance: 0.10 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- Electrical hazards: exposed wiring and damaged electrical/service enclosure visible in interior photo (immediate safety/code issue).
- No visible smoke/CO detectors in interior photos (required for occupancy and inspection).
- Makeshift/poorly-sealed duct/vent and damaged base areas near mechanicals suggesting water intrusion or previous repair – potential mold/hidden damage risk.
- Sliding glass/back door threshold and rear patio area show damage and debris that could create trip hazards and require repair.
Assumptions
- Listing 'plumbing updated to PVC' is accurate and major plumbing lines are replaced, but hot water/heater function is unverified.
- An exterior AC condenser visible in photos indicates a functional central A/C system, though operation and heating function are not verified.
- No smoke or CO detectors are present unless hidden from provided interior photos; they would need to be installed to meet NSPIRE.
- Kitchen appliances (stove/fridge) are not shown and may be missing; absence reduces attractiveness but is not by itself an inspection fatality unless unsafe connections exist.
- Jalousie/louvered windows are assumed typical for this region; egress compliance cannot be confirmed from photos.
- The roof is assumed serviceable based on listing text and photos (no visible sag or open areas), but detailed roof condition was not inspected from the images.
- Electrical/service condition assessment is based on the provided photo showing exposed wiring and a compromised enclosure; underlying damage may be more extensive.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-22 | Listed | $279,900 |
| 2016-10-06 | Listing removed | $1,450 |
| 2016-09-28 | Listed for rent | $1,450 |
| 2012-09-25 | Listing removed | $1,250 |
| 2012-09-10 | Listed for rent | $1,250 |
Photo Gallery
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{
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{
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{
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"Kitchen appliances (stove/fridge) are not shown and may be missing; absence reduces attractiveness but is not by itself an inspection fatality unless unsafe connections exist.",
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"The roof is assumed serviceable based on listing text and photos (no visible sag or open areas), but detailed roof condition was not inspected from the images.",
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},
{
"summary": "Moderate overall readiness. Property has solid basic envelope and plumbing updates per listing, and appears rentable after cosmetic repairs and cleanup. However there are significant safety/code risks (exposed electrical wiring/panel condition and no visible smoke/CO detectors, plus potential bedroom egress concerns with jalousie windows) that are likely to cause an initial HCV/NSPIRE inspection failure until corrected. With prioritized electrical repairs, installation of required alarms, and minor exterior/interior fixes the unit could be made passable in ~30–60 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 65.0,
"rationale": "Interior and exterior show cosmetic deferred maintenance: worn exterior paint, patched/stained concrete at rear, torn sliding screen, baseboard and trim damage, dirty tile floors and minor surface cracks. No obvious collapsed ceilings or major structural damage in photos. Kitchen appliances are not shown (likely missing) and will require installation. These are mostly cosmetic and moderate repair items that are easy-to-fix or capital-only."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 35.0,
"rationale": "Photos show several safety/code risks: exposed wiring and an electrical service/component in an interior closet/space with open access and missing proper enclosure (electrical hazard). No visible smoke detectors or CO alarm in living areas/bedrooms in photos (required). Jalousie/louver windows are present in bedrooms and may not provide compliant emergency egress sizes/operation. Sliding rear door screen is torn and door security appears substandard. These are inspection-fail items until corrected (exposed wiring and missing detectors are particularly high risk)."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (roof, HVAC, plumbing, electrical)",
"score": 45.0,
"rationale": "Listing states 'Good Roof' and 'plumbing updated to PVC' — assume plumbing lines are recently replaced. Photos show exterior AC condenser and duct/return penetrations into the house, indicating central HVAC presence, but the interior duct/air handler area looks unfinished with questionable installation. The electrical equipment visible appears old and improperly enclosed, creating a system-level concern. Water heater is not visible. Given mixed indicators (roof/plumbing good per listing, but electrical/duct work needs correction), assign moderate-low rating."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Block/stucco single-story exterior appears intact with an intact roofline; yard is overgrown/patchy, scattered debris at the rear patio, driveway staining and minor concrete cracking. Chain-link fence exists on the side yard. No visible standing water, large foundation cracks or collapsed elements in photos. Site cleanup, paint and minor concrete repairs needed, but overall envelope appears serviceable."
}
],
"red_flags": [
"Exposed electrical wiring / improperly enclosed electrical equipment (interior) - electrical hazard",
"No visible smoke detectors or CO alarms in photos (required for NSPIRE) - inspection fail risk",
"Bedroom windows are jalousie/louver type and may not meet emergency egress requirements",
"Interior mechanical/air handler area with duct penetrations and missing finishes; potential fire/safety concern",
"Rear sliding door screen/threshold torn and rear patio area has debris — security and trip hazard until cleared"
],
"confidence": 0.6,
"assumptions": [
"Listing statement that the roof is 'good' and plumbing has been updated to PVC is accurate and reflects recent work.",
"There is a central HVAC system present (visible condenser and ductwork), but its operational status is unknown from photos; assumed likely present but maintenance/repair may be needed.",
"No kitchen appliances (stove/fridge) are visible in photos and should be assumed not included; missing appliances reduce condition score moderately but are not treated as safety failures.",
"No smoke or carbon monoxide detectors were observed in photos; assume none are installed or they are not in required locations.",
"No evidence of major foundation movement, roof leaks or collapsed ceilings was visible in provided photos; assume these major structural failures are absent unless discovered on-site.",
"Electrical equipment shown (open/wires) represents a real code/safety issue rather than a misleading angle; scored as an exposed electrical hazard based on visible wiring and incomplete enclosure."
],
"overall_score": 52.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment_2026-03"
},
{
"summary": "Moderate repair property with a mix of cosmetic and systems issues. The home shows intact structure and roof, updated PVC plumbing, and presence of cooling, which are positive. However, visible exposed electrical wiring and an unfinished/unsafe electrical/service area plus no visible smoke detectors are likely to cause an initial Housing Choice Voucher (NSPIRE) inspection to fail. Expect 30–60 days of corrective work (licensed electrical remediation, installation of required detectors, door/threshold and sliding door repairs, minor exterior and interior finish work, and installation of any missing kitchen appliances) before the unit is rent-ready for Section 8.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior and exterior show moderate deferred maintenance but mostly cosmetic. Tile floors appear intact though dirty; walls and ceilings are generally intact and freshly painted in areas. Exterior paint/stucco has patches and cracking. Sliding glass door/threshold and some exterior concrete slabs show damage/debris that will need repair. Kitchen appliances are not shown (likely missing) — missing fridge/stove reduce readiness moderately but are not inspection-fail items. Utility/closet finishes are damaged and require patching. Overall repairs appear to be cosmetic and mid-level (painting, door/sliding repair, trim/baseboard, possible appliance installation) rather than full structural rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 35.0,
"rationale": "Visible safety risks that likely cause an initial NSPIRE failure: exposed electrical wiring and an older service/breaker assembly visible in the utility/closet with unprotected conductors and poor termination/covering. No smoke detectors or carbon monoxide alarms are visible in photos (required). Sliding glass door bottom and threshold appear damaged and could be a trip/egress hazard. Jalousie windows are present; bedroom egress adequacy cannot be confirmed from photos. No visible GFCI outlets in kitchen/bath photos. While no active water intrusion, ceiling collapse, or standing water was observed, the exposed electrical and lack of visible smoke detectors are significant safety/code items that must be corrected before passing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 50.0,
"rationale": "Listing states roof is 'good' and photos show an intact shingle roof with no obvious sagging. Plumbing reportedly updated to PVC (positive). An exterior AC condenser and interior ducting are visible which indicates cooling is present, but the mechanical/air handler area is unfinished and wiring/duct connections look improvised. The electrical service/panel is old and has exposed wiring and questionable terminations — this is a systems-level concern. Water heater and hot water functionality are not visible in photos. Overall systems appear present but the electrical installation and unfinished mechanical compartment create moderate risk and will need licensed repairs/inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Large yard with chain-link on the side and generally level ground. No standing water visible. Driveway is stained and cracked; front landscaping is neglected. Rear patio/slab has debris and missing concrete edges. Exterior stucco has patched areas and some cracking but no obvious foundation displacement or major wall bowing in photos. Fencing and access appear functional. Overall the site is serviceable but needs cleanup, minor concrete/step repairs, and exterior patching/paint."
}
],
"red_flags": [
"Exposed electrical wiring / unsafe electrical terminations visible in utility/service area (electrical hazard)",
"No visible smoke detectors or CO alarms (NSPIRE requirement)",
"Unfinished/unsafe electrical/air-handler closet with damaged finishes and exposed components",
"Damaged sliding glass door threshold and rear slab creating a trip/egress hazard"
],
"confidence": 0.75,
"assumptions": [
"Listing statement that 'roof is good' is accurate and no active roof leaks are present (no visible roof defects in photos).",
"Plumbing updated to PVC as stated in the listing; no visible interior plumbing leaks in photos.",
"Appliances (stove/refrigerator) are not present in photos and should be assumed missing or not guaranteed; missing appliances reduce readiness but are not a safety failure.",
"No smoke detectors or CO alarms were visible in any photo; assume none or not code-compliant until proven otherwise.",
"Bedrooms’ egress adequacy cannot be confirmed from photos; assume at least one egress route exists (sliding door/back exit) but bedroom windows may be small jalousie style which could require verification.",
"The electrical service/panel visible in photos is representative of the main electrical condition and contains exposed wiring requiring licensed repair.",
"No interior mold or active water intrusion was visible from photos; assume none severe but advise in-person check during remediation."
],
"overall_score": 54.0,
"rubric_version": "2026-03-hcv-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5320 NE 9th Ave, Deerfield Beach, FL, 33064",
"aggregate": {
"summary": "This 3/1 property has solid potential but currently presents moderate inspection risk. Cosmetic condition is average-to-poor but fixable; however the photos show an electrical/service area with exposed wiring and damaged enclosure that is an inspection-level safety hazard and must be remedied before a successful HCV/NSPIRE inspection. Missing/unstated items likely include smoke/CO detectors and kitchen appliances. With targeted corrections (professional electrical repair, installation of code-compliant smoke/CO/GFCI devices, minor exterior and finish repairs, cleanup) the property could pass, but in its present photographed condition it is unlikely to pass an initial voucher inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 61.7,
"rationale": "Interior and exterior show general deferred maintenance and cosmetic needs but no catastrophic collapse. Tile floors appear intact, walls and ceilings recently painted white but trim/baseboard damage and missing finishes visible. Exterior paint is worn with small surface cracks. Kitchen and major appliances are not shown; listing is 'sold as-is' which commonly means appliances may be missing. Overall repair needs are moderate (TLC, patching, trim, cleaning, possible appliance installs)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, drainage, walkways",
"score": 63.3,
"rationale": "Exterior block walls and roof appear generally intact with no visible major structural settlement. Front walkway and driveway exist but show staining/aged surface. Yard is overgrown in spots and has debris; back patio/door area shows deterioration and missing trim/clean-up needed. Chain link fence visible along side yard. Drainage slope and foundation visible cracks appear minor in photos. Overall the site needs cleanup and minor repairs but no immediate structural failure is apparent."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 38.3,
"rationale": "Photos show at least one clear electrical hazard near the service/air handler area (exposed wiring, damaged enclosure) which is an immediate code/safety concern. No smoke or CO detectors are visible in interior photos. Several outlets do not show GFCI protection (kitchen/bath photos absent). Bedroom windows are jalousie style; egress compliance is unknown from photos. Sliding door threshold looks damaged/dirty. No obvious active roof sagging, standing water, or collapsed ceilings were seen. These items create moderate-to-high inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major systems (electrical, HVAC, plumbing, roof, water)",
"score": 43.3,
"rationale": "Listing states plumbing updated to PVC and photos show an exterior condenser (indicative of central AC), and listing claims a 'good roof' with visually intact shingles. However, the electrical/service area in one photo shows exposed wiring and a damaged panel/connection area that is likely a failing safety/code item. Water heater and hot water were not shown. Duct/ventwork appears makeshift in photos. Because of the electrical defects and unknown status of hot water/heating, systems score is low until electrical work and system verification are completed."
}
],
"red_flags": [
"Electrical hazards: exposed wiring and damaged electrical/service enclosure visible in interior photo (immediate safety/code issue).",
"No visible smoke/CO detectors in interior photos (required for occupancy and inspection).",
"Makeshift/poorly-sealed duct/vent and damaged base areas near mechanicals suggesting water intrusion or previous repair – potential mold/hidden damage risk.",
"Sliding glass/back door threshold and rear patio area show damage and debris that could create trip hazards and require repair."
],
"confidence": 0.9,
"assumptions": [
"Listing 'plumbing updated to PVC' is accurate and major plumbing lines are replaced, but hot water/heater function is unverified.",
"An exterior AC condenser visible in photos indicates a functional central A/C system, though operation and heating function are not verified.",
"No smoke or CO detectors are present unless hidden from provided interior photos; they would need to be installed to meet NSPIRE.",
"Kitchen appliances (stove/fridge) are not shown and may be missing; absence reduces attractiveness but is not by itself an inspection fatality unless unsafe connections exist.",
"Jalousie/louvered windows are assumed typical for this region; egress compliance cannot be confirmed from photos.",
"The roof is assumed serviceable based on listing text and photos (no visible sag or open areas), but detailed roof condition was not inspected from the images.",
"Electrical/service condition assessment is based on the provided photo showing exposed wiring and a compromised enclosure; underlying damage may be more extensive."
],
"score_method": "mean_of_criteria",
"overall_score": 51.5,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5811285353"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.