Property ID: 5818559640
3216 Lasalle St, Charlotte, NC, 28216
Charlotte, NC
Money Down: $59,520
CoC Return: 4.62%
Monthly Cash Flow: $229
Est. Final ARV: $283,639
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$49,600
Closing Costs
$9,920
Total Down
$59,520
Investment Snapshot
Purchase Price
$247,999
Money Down
$59,520
Cash-on-Cash Return
4.62%
Rent
$1,981
Monthly Cash Flow
$229
Annual Cash Flow
$2,747
Debt Service / Mo
$1,320
Property Tax / Mo
$159
Insurance / Mo
$75
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,981
Payment Standard
$2,277
Rent
$1,981
Insurance
$75
Property Tax
$159
Management
$198
Utilities Allowance
$296
NOI (Monthly)
$1,549
Debt Service
$1,320
Cash Flow After Debt
$229
Quality Score: 80.40%
Confidence: 92.00%
This 3BR/1.5BA single-family home appears largely turnkey for Section 8 / HCV occupancy. The interior and exterior show recent updates and no visible structural or life‑safety failures. The main inspection risks are missing/undocumented smoke and CO detectors and uncertain GFCI protection and service equipment locations (furnace/water heater/electrical panel not pictured). These are typically quick fixes (install detectors, verify/upgrade GFCI circuits) and should make the unit pass NSPIRE if addressed. Expect minor repairs and paperwork verification; likely rent-ready within 2–4 weeks if detectors/GFCI are installed/confirmed.
Section 8 Payment Standard
$2,277
Utility Allowance Total
$296
Guaranteed Section 8 Rent (PS - Utilities)
$1,981
Property Management
$198
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$247,999
Beds
3
Baths
1.5
Living Area
1,055 sqft
Lot Size
7,841 sqft
Year Built
2004
Days on Market
138
Capital Outlay
$59,520
Debt Service
$1,320
Property Tax / Mo
$159
Insurance / Mo
$75
Property Description
Owner-occupants only! MOVE-IN READY! Cute 3 BR/1.5 Uptown bungalow with a large front porch and new landscaping. Upgraded interior with trendy fixtures, laminate flooring, fresh paint, and new doors! Open floor plan with galley kitchen, stainless steel appliances, and lots of natural light shining in. Located at the end of a street with no through traffic, the home has a peaceful cul-de-sac feel. Neat porch off of primary bedroom to take in the wooded back yard. New gutters installed and features a backyard shed for additional storage. Habitat for Humanity has first right to buy the home (they have declined prior to listing) and it is deed-restricted to owner-occupants only until 2030 (no investors can buy it until then). Great, move-in ready affordable home opportunity for owner-occupants in a high potential Charlotte growth area- must see!
Utility Allowances
air_conditioning
$25
Selected based on the property having 'Central Air' and the schedule's fixed rate for a 3-bedroom unit.
cooking
$12
Selected the 'electric' option as the property lists 'Electric Oven'. The allowance is for a 3-bedroom unit.
heating
$29
Selected the 'electric_heat_pump' option based on the property description listing 'Electric, Heat Pump' for heating. The allowance is for a 3-bedroom unit.
other_electric
$79
A standard allowance for general electricity (lighting, outlets) is applied for a 3-bedroom unit.
sewer
$89
Selected based on the property having 'Public Sewer'. The allowance is the fixed rate for a 3-bedroom unit.
water
$32
Selected based on the property having 'Water Source: City'. The allowance is the fixed rate for a 3-bedroom unit.
water_heating
$30
Selected the 'electric' option as the property lists an 'Electric Water Heater'. The allowance is for a 3-bedroom unit.
Source References
Payment Standard Source
Effective Date:
Jul 01, 2025
Utility Allowance Source
Effective Date:
Feb 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$784
DP3 Annual Estimate$1,009
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$84
Replacement Value$187,800
Basis1,055 sqft / 2004
Nearby Houses
Photo unavailable
3208 Lasalle St
for_sale · 0.04 mi
Price: $265,000
3 bd / 2 ba · 1,066 sqft
Latest sale: $272,500 on Oct 30, 2025
Latest rent: $1,050 on May 25, 2018
Photo unavailable
3033 Melita Ave
sold · 0.05 mi
Price: $280,000
3 bd / 3 ba · 1,520 sqft
Latest sale: $280,000
Latest rent: —
Photo unavailable
3029 Melita
off_market · 0.06 mi
Price: $1,400
3 bd / 2 ba · 936 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3017 Melita Ave
for_sale · 0.08 mi
Price: $139,900
— bd / — ba
Latest sale: $10,000
Latest rent: —
Photo unavailable
3124 Lasalle St
sold · 0.08 mi
Price: $84,400
4 bd / 2 ba · 1,261 sqft
Latest sale: $84,400 on Sep 25, 2017
Latest rent: —
Photo unavailable
3024 Melita Ave
sold · 0.09 mi
Price: $205,000
3 bd / 2 ba · 1,203 sqft
Latest sale: $205,000
Latest rent: —
Properties Used for Comps
Photo unavailable
3208 Lasalle St, Charlotte, NC, 28216
for_sale
Price: $272,500
Rent: —
3 bd / 2 ba · 1,066 sqft
Sale Date: Oct 30, 2025
Distance: 0.04 mi
View listing
Photo unavailable
2939 Lasalle St, Charlotte, NC, 28216
sold
Price: $279,900
Rent: —
3 bd / 1 ba · 1,000 sqft
Sale Date: Jul 30, 2025
Distance: 0.26 mi
View listing
Photo unavailable
3015 Lasalle St, Charlotte, NC, 28216
sold
Price: $290,000
Rent: —
3 bd / 2 ba · 1,070 sqft
Sale Date: Jul 31, 2025
Distance: 0.22 mi
View listing
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are representative of the entire unit; renovations are consistent throughout.
- There is a functioning central HVAC system (floor vents visible) though the mechanical unit is not pictured.
- Hot water system and electrical panel are present and operational but not shown in provided photos.
- Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not shown and need confirmation.
- Kitchen and bathroom plumbing functions (hot water, drains) are operational as no staining or water damage is visible.
- No interior hidden mold, active leaks, or structural issues exist beyond what is visible in photos; if such issues are present, score would drop significantly.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,856 | $219,300 | $219,300 |
| 2024 | $1,814 | $219,300 | $219,300 |
| 2023 | $1,747 | $219,300 | $219,300 |
| 2022 | $1,264 | $118,000 | $118,000 |
| 2021 | $1,253 | $118,000 | $118,000 |
| 2020 | $1,245 | $118,000 | $118,000 |
| 2019 | $1,230 | $118,000 | $118,000 |
| 2018 | $816 | $56,600 | $56,600 |
| 2017 | $795 | $56,600 | $56,600 |
| 2016 | $786 | $56,600 | $56,600 |
| 2015 | $774 | $56,600 | $56,600 |
| 2014 | $881 | $54,000 | $54,000 |
| 2013 | $881 | $63,800 | $63,800 |
| 2012 | $846 | $64,300 | $64,300 |
| 2011 | $866 | $64,300 | $64,300 |
| 2010 | $1,183 | $86,600 | $86,600 |
| 2009 | $1,183 | $86,600 | $86,600 |
| 2008 | $1,183 | $86,600 | $86,600 |
| 2007 | $1,180 | $86,600 | $86,600 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-23 | Price Changed | $247,999 |
| 2026-01-20 | Price Changed | $249,900 |
| 2025-11-25 | Listed | $255,000 |
| 2023-05-11 | Sold | $215,000 |
| 2005-03-21 | Sold | $72,000 |
Photo Gallery
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{
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{
"date": "2026-01-20",
"price": 249900,
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"list_price": 247999,
"listing_id": "2988994870",
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{
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"list_price": 247999,
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{
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"note": "Selected based on the property having 'Central Air' and the schedule's fixed rate for a 3-bedroom unit.",
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"allowance": 25
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{
"note": "Selected the 'electric' option as the property lists 'Electric Oven'. The allowance is for a 3-bedroom unit.",
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"allowance": 12
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{
"note": "Selected the 'electric_heat_pump' option based on the property description listing 'Electric, Heat Pump' for heating. The allowance is for a 3-bedroom unit.",
"utility": "heating",
"allowance": 29
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{
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"allowance": 79
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{
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"utility": "sewer",
"allowance": 89
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{
"note": "Selected based on the property having 'Water Source: City'. The allowance is the fixed rate for a 3-bedroom unit.",
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"allowance": 32
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{
"note": "Selected the 'electric' option as the property lists an 'Electric Water Heater'. The allowance is for a 3-bedroom unit.",
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"allowance": 30
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"runs": [
{
"summary": "This 3BR/1.5BA single-family home appears largely turnkey for Section 8 / HCV occupancy. The interior and exterior show recent updates and no visible structural or life‑safety failures. The main inspection risks are missing/undocumented smoke and CO detectors and uncertain GFCI protection and service equipment locations (furnace/water heater/electrical panel not pictured). These are typically quick fixes (install detectors, verify/upgrade GFCI circuits) and should make the unit pass NSPIRE if addressed. Expect minor repairs and paperwork verification; likely rent-ready within 2–4 weeks if detectors/GFCI are installed/confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: fresh paint, new laminate flooring, updated kitchen counters/cabinets, updated bathroom, working-looking appliances (fridge and range visible). No visible significant cosmetic damage, staining, or missing fixtures. Minor finish work likely (trim/threshold at room transitions visible) but nothing structural. Missing laundry equipment not shown but not required for pass; overall condition is move-in ready with only small cosmetic/fixture touch-ups likely."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards in photos: no exposed wiring, no visible water intrusion, ceilings intact, windows appear operable for egress, entry door appears secure and has both knob and an upper lock. However critical detector devices (smoke/carbon monoxide) are not visible in photos and GFCI protection at kitchen and bathroom outlets is not clearly evident. Handrails/guardrail concerns not observed (front porch low). Because detectors and GFCI are required and not shown, this raises a moderate NSPIRE risk that likely can be corrected quickly if missing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 75.0,
"rationale": "No visible signs of roof failure, sagging, or foundation movement from available exterior photo; new gutters reported. Floor vents visible indicating forced air HVAC supply (unit not pictured) and interior finishes look uniformly conditioned. Plumbing fixtures appear new/operational (bathroom and kitchen). Electrical panel not shown; outlets have covers. Because key service equipment (furnace/AC unit, water heater, electrical panel) are not visible, score is moderate-high based on lack of negative indicators but some uncertainty remains."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding and trim appear intact, driveway and front steps in good condition, yard is sloped gently and clean, backyard wooded with a shed present. New gutters noted in listing. No visible standing water, severe erosion, infestation signs, or major exterior deterioration. Small uncovered porch steps but height appears low; no missing guardrail issues observed."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Photos are representative of the entire unit; renovations are consistent throughout.",
"There is a functioning central HVAC system (floor vents visible) though the mechanical unit is not pictured.",
"Hot water system and electrical panel are present and operational but not shown in provided photos.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not shown and need confirmation.",
"Kitchen and bathroom plumbing functions (hot water, drains) are operational as no staining or water damage is visible.",
"No interior hidden mold, active leaks, or structural issues exist beyond what is visible in photos; if such issues are present, score would drop significantly."
],
"overall_score": 78.0,
"rubric_version": "nsplore-2025-v1"
},
{
"summary": "This 3BR/1.5BA single-family home appears move-in ready and would likely pass an initial HCV/NSPIRE inspection after routine verification. Interior renovations are recent and in good cosmetic condition; kitchen and bath appear updated and appliances are present. The main unknowns required for inspection are functioning smoke and carbon monoxide detectors, GFCI protection at kitchen/bath outlets, and visible evidence of the electrical panel/water heater/HVAC equipment. No visible structural or life‑threatening deficiencies were observed. With verification/installation of detectors and confirmation of GFCI/panel condition, the property should be turnkey for Section 8 tenancy within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new/like-new laminate flooring, fresh paint, new cabinet hardware and countertops, updated bathroom, and visible refrigerator and range. Cosmetic transitions (floor threshold strip visible) and some decorative finishes (painted accent wall at pass-through) are minor. No visible water stains, damaged drywall, or exposed subfloor. Missing/old items: none obvious. Overall only minor cosmetic or small finish work would be expected before move-in. Missing appliances would normally be moderate deduction but listing shows stainless fridge and visible range, so score remains high."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "No obvious life‑safety hazards in photos: ceilings intact, interior doors present, bedrooms have windows (egress likely adequate but sizes not measured in photos), no visible exposed wiring, and doors show locking hardware (deadbolt visible on rear/kitchen door). Items not visible on photos: smoke alarms and carbon monoxide alarms (not shown), electrical panel condition, and GFCI protection for kitchen outlets. Bathroom appears standard tub/shower with proper fixture; no visible active leaks or severe mold. To reach full compliance an inspector would verify functioning smoke/CO detectors in required locations and confirm GFCI protection at counters. Because these items are not visible but there are no negative indicators, moderate uncertainty reduces the score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 78.0,
"rationale": "Evidence of a forced‑air system (floor vents and thermostat visible) and modern finishes suggest HVAC is present and likely functional. No water heater, electrical panel, or HVAC equipment pictured so condition must be assumed from overall property condition and recent renovation. Roof is not clearly visible but listing notes new gutters and exterior photos show no sagging/roofline issues. Plumbing fixtures appear updated and in good cosmetic condition. Lack of photos of major equipment and panel is a risk but nothing in the images points to system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "Exterior siding and trim appear intact and recently maintained; new gutters reported in listing. Concrete driveway and porch are sound with no visible major cracks or settlement. Yard is sloped toward wooded area but no standing water visible. A backyard shed is present for storage. Foundation skirting visible and looks consistent with grade; no visible settlement, large foundation cracks, or collapsed elements. Overall curb appeal is good and exterior deferred maintenance is minimal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are installed and operational though not visible in photos; if missing, they would need to be installed.",
"Kitchen and bathroom outlets have required GFCI protection or can be upgraded easily if not present.",
"Central HVAC exists and is operational (floor vents and thermostat visible); no heating absence.",
"Water heater and electrical panel are present and in working order (not pictured).",
"Windows in bedrooms meet egress size requirements typical for code; no small, non‑egress basement windows are used as sleeping rooms.",
"No hidden active roof leaks, significant mold, or plumbing leaks exist beyond what is visible in photos; recent renovations reduce likelihood of these issues.",
"No unsafe stairs, broken handrails, or foundation movement exist beyond what is visible.",
"Appliances shown (refrigerator and range) are included and functional as advertised in listing."
],
"overall_score": 81.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This 3BR/1.5BA single-family home appears largely turnkey for Section 8 tenancy based on provided photos and listing text. Interior renovations (floors, paint, kitchen, bath) are recent and condition is good. Main inspection risks are lack of photo documentation for NSPIRE-critical items: smoke and CO detectors, GFCI outlets, electrical panel, and confirmation that HVAC/water heater are operational. If those items are present/verified and detectors/GFCIs installed where required, the property is very likely to pass an initial HCV/NSPIRE inspection with only minor repairs or documentation required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 88.0,
"rationale": "Interior photos show a recent, cosmetic renovation: fresh paint, new laminate flooring, updated kitchen cabinets/counters, modern bathroom fixtures and a clean tub surround. Appliances visible include a refrigerator and an electric range (edge visible) so missing-appliance risk is low. No visible water stains, peeling paint, or damaged drywall. Minor finish items (trim/door paint touch-ups, threshold transition strip visible) are cosmetic and easy to fix. Overall appears move-in ready with only minor cosmetic/finish work."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life‑threatening hazards in photos: ceilings are intact, floors level, no visible mold or major water intrusion, handrails/guardrail issues not present in shown areas, entry door has both knob and deadbolt. However critical safety items are not visible in photos: smoke detectors and carbon monoxide detectors are not shown, and GFCI protection at kitchen counter outlets cannot be confirmed. Electrical panel and service are not pictured. Bedroom egress appears likely (standard windows visible) but not measured. Because absence/lack of visible detectors/GFCI would cause an NSPIRE fail, a moderate deduction is applied until those items are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof, water heater)",
"score": 78.0,
"rationale": "Floor registers and ceiling fan indicate a central HVAC system (not pictured) — presence likely but operation not verified. Plumbing fixtures (kitchen sink, bathroom sink, tub/shower, toilet) appear new and intact. No visible leaks or water stains in interior photos. New gutters are noted in listing which reduces roof runoff concern; roof surface not shown. Water heater and electrical panel are not shown, so their condition is unknown. Given updated interior and no visible system failures, systems appear functional but need on-site verification (HVAC running, water heater temperature, breaker labeling)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard",
"score": 86.0,
"rationale": "Front exterior shows intact vinyl siding, new gutters, a concrete driveway in good condition and a small covered porch with steps. A backyard shed is present. No visible major foundation cracks, significant grading issues or standing water in provided exterior photo. Yard is wooded but does not appear overgrown or hazardous. Some minor staining and normal wear on driveway and yard expected for age; overall exterior appears well maintained."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide detectors visible in photos (potential NSPIRE fail if not installed).",
"GFCI protection at kitchen counter outlets not verifiable from photos (possible code/inspection issue).",
"Electrical panel and water heater not shown — condition and labeling unverified; on-site verification required."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC system is present and operational (inferred from floor registers and ceiling fan); not explicitly shown running in photos.",
"Water heater and electrical service/panel are present and code-compliant but not pictured.",
"Kitchen contains a functional range/stove (edge visible) and refrigerator (clearly pictured).",
"Windows used as bedrooms provide code egress dimensions (not measured in photos).",
"No concealed active leaks, major mold, or structural foundation movement exist beyond what is visible; listing notes new gutters which reduces obvious roof/runoff risk.",
"Listing statements (new gutters, fresh paint, new doors, move-in ready) are accurate."
],
"overall_score": 82.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3216 Lasalle St, Charlotte, NC, 28216",
"aggregate": {
"summary": "This 3BR/1.5BA single-family home appears largely turnkey for Section 8 / HCV occupancy. The interior and exterior show recent updates and no visible structural or life‑safety failures. The main inspection risks are missing/undocumented smoke and CO detectors and uncertain GFCI protection and service equipment locations (furnace/water heater/electrical panel not pictured). These are typically quick fixes (install detectors, verify/upgrade GFCI circuits) and should make the unit pass NSPIRE if addressed. Expect minor repairs and paperwork verification; likely rent-ready within 2–4 weeks if detectors/GFCI are installed/confirmed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 86.0,
"rationale": "Interior appears recently renovated: fresh paint, new laminate flooring, updated kitchen counters/cabinets, updated bathroom, working-looking appliances (fridge and range visible). No visible significant cosmetic damage, staining, or missing fixtures. Minor finish work likely (trim/threshold at room transitions visible) but nothing structural. Missing laundry equipment not shown but not required for pass; overall condition is move-in ready with only small cosmetic/fixture touch-ups likely."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 84.7,
"rationale": "Exterior siding and trim appear intact, driveway and front steps in good condition, yard is sloped gently and clean, backyard wooded with a shed present. New gutters noted in listing. No visible standing water, severe erosion, infestation signs, or major exterior deterioration. Small uncovered porch steps but height appears low; no missing guardrail issues observed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 73.3,
"rationale": "No obvious life‑threatening hazards in photos: no exposed wiring, no visible water intrusion, ceilings intact, windows appear operable for egress, entry door appears secure and has both knob and an upper lock. However critical detector devices (smoke/carbon monoxide) are not visible in photos and GFCI protection at kitchen and bathroom outlets is not clearly evident. Handrails/guardrail concerns not observed (front porch low). Because detectors and GFCI are required and not shown, this raises a moderate NSPIRE risk that likely can be corrected quickly if missing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 77.0,
"rationale": "No visible signs of roof failure, sagging, or foundation movement from available exterior photo; new gutters reported. Floor vents visible indicating forced air HVAC supply (unit not pictured) and interior finishes look uniformly conditioned. Plumbing fixtures appear new/operational (bathroom and kitchen). Electrical panel not shown; outlets have covers. Because key service equipment (furnace/AC unit, water heater, electrical panel) are not visible, score is moderate-high based on lack of negative indicators but some uncertainty remains."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Photos are representative of the entire unit; renovations are consistent throughout.",
"There is a functioning central HVAC system (floor vents visible) though the mechanical unit is not pictured.",
"Hot water system and electrical panel are present and operational but not shown in provided photos.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be missing or not shown and need confirmation.",
"Kitchen and bathroom plumbing functions (hot water, drains) are operational as no staining or water damage is visible.",
"No interior hidden mold, active leaks, or structural issues exist beyond what is visible in photos; if such issues are present, score would drop significantly."
],
"score_method": "mean_of_criteria",
"overall_score": 80.4,
"rubric_version": "nsplore-2025-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "5818559640"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.