Property ID: 6150028826
4215 Dinglewood Ave, Charlotte, NC, 28205
Charlotte, NC
Money Down: $46,800
CoC Return: 1.41%
Monthly Cash Flow: $55
Est. Final ARV: $258,859
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$39,000
Closing Costs
$7,800
Total Down
$46,800
Investment Snapshot
Purchase Price
$195,000
Money Down
$46,800
Cash-on-Cash Return
1.41%
Rent
$1,478
Monthly Cash Flow
$55
Annual Cash Flow
$661
Debt Service / Mo
$1,038
Property Tax / Mo
$168
Insurance / Mo
$69
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,478
Payment Standard
$1,778
Rent
$1,478
Insurance
$69
Property Tax
$168
Management
$148
Utilities Allowance
$300
NOI (Monthly)
$1,093
Debt Service
$1,038
Cash Flow After Debt
$55
Quality Score: 31.00%
Confidence: 93.00%
Property shows multiple safety and condition issues and will likely fail an initial HCV/NSPIRE inspection in current condition. Major items: water-damaged interior ceilings, rotted rear deck and unsafe stairs/railings, exterior electrical boxes and wiring needing evaluation, overgrown site and siding/porch deterioration. Substantial repairs or full renovation (possible new construction as listing suggests) are recommended before seeking Section 8 tenancy.
Section 8 Payment Standard
$1,778
Utility Allowance Total
$300
Guaranteed Section 8 Rent (PS - Utilities)
$1,478
Property Management
$148
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$195,000
Beds
2
Baths
1
Living Area
1,096 sqft
Lot Size
14,549 sqft
Year Built
1952
Days on Market
30
Capital Outlay
$46,800
Debt Service
$1,038
Property Tax / Mo
$168
Insurance / Mo
$69
Property Description
Incredible investment opportunity in a prime location! No HOA. Exceptional opportunity for investors, builders, or buyers looking for a new project. This quaint one story home sits on a long lot approximately 250' deep and is need of someone with a creative eye. The home needs a substantial amount of work and highest and best use is likely new construction. Sale is subject to a 10 day upset bid period. Please contact your agent for more information about the sale process.
Utility Allowances
Air Conditioning
$16
Included as it is a standard feature for single-family homes in this climate, although not explicitly mentioned in the property data.
Cooking
$9
Selected 'Electric' option as property details explicitly list an 'Electric Oven' and 'Electric Range'.
Gas Service Fee
$11
Included because heating and water heating were assumed to be Natural Gas.
Heating
$71
Selected 'Natural Gas' as the fuel type was not specified; this is a common fuel and represents a more conservative (higher) allowance.
Other Electric
$65
Standard allowance for general electricity (lights, outlets, etc.) for a home of this size.
Sewer
$76
Property details explicitly state the property is connected to 'Public Sewer'.
Water
$24
Property details state the water source is 'City'.
Water Heating
$28
Selected 'Natural Gas' as the fuel type was not specified; this choice is consistent with the heating fuel assumption and is the more expensive option compared to electric.
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$749
DP3 Annual Estimate$913
DP1 Monthly Equivalent$62
DP3 Monthly Equivalent$76
Replacement Value$122,500
Basis1,096 sqft / 1952
Nearby Houses
Photo unavailable
4223 Dinglewood Ave
sold · 0.02 mi
Price: $275,000
2 bd / 1 ba · 712 sqft
Latest sale: $275,000
Latest rent: —
Photo unavailable
1019 Trembeth Dr
sold · 0.02 mi
Price: $565,000
3 bd / 3 ba · 1,736 sqft
Latest sale: $565,000
Latest rent: —
Photo unavailable
4131 Dinglewood Ave
sold · 0.05 mi
Price: $165,000
3 bd / 1 ba · 1,024 sqft
Latest sale: $165,000
Latest rent: —
Photo unavailable
4210 Dinglewood Ave Unit 15
for_sale · 0.05 mi
Price: $195,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4204 Dinglewood Ave
sold · 0.06 mi
Price: $194,990
3 bd / 1 ba · 1,075 sqft
Latest sale: $194,990
Latest rent: —
Photo unavailable
4125 Dinglewood Ave
sold · 0.07 mi
Price: $73,000
2 bd / 1 ba · 800 sqft
Latest sale: $73,000
Latest rent: —
Photo unavailable
4239 Dinglewood Ave
sold · 0.07 mi
Price: $227,000
3 bd / 1 ba · 900 sqft
Latest sale: $227,000
Latest rent: —
Photo unavailable
4233 The Plaza St
sold · 0.08 mi
Price: $254,150
3 bd / 3 ba · 1,612 sqft
Latest sale: $254,150
Latest rent: —
Properties Used for Comps
Photo unavailable
4036 Dinglewood Ave, Charlotte, NC, 28205
sold
Price: $265,000
Rent: —
2 bd / 1 ba · 1,122 sqft
Sale Date: Sep 26, 2025
Distance: 0.18 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- Evidence of water intrusion / interior ceiling damage (risk of ceiling failure and mold)
- Rotted rear deck with missing/broken stair treads and unsafe or missing guardrails
- Electrical hazards: rusted exterior panels, surface-mounted wiring and vegetation contacting cables
- Roof flashing/chimney wear with likely leak paths (chimney flashing shows deterioration)
- No visible smoke/CO detectors and unknown operational heating/cooling system
Assumptions
- Photos are representative of the whole property and recent (listing indicates 2026 watermark); interior mechanical rooms (HVAC/water heater) are not shown.
- No smoke or CO detectors were visible in the interior photos; assume none are present or not up-to-code until verified.
- Ceiling peeling/staining indicates prior or active water intrusion; roof flashing near chimney likely a source though no active leak was photographed.
- No outdoor A/C condenser is visible in exterior pictures; assume HVAC may be absent, non-operational, or located out of frame.
- Electrical service is present (meter and boxes visible) but surface rust, multiple exposed cables, and vine intrusion indicate probable need for electrician remediation rather than full replacement.
- Property was built in 1952; assume presence of lead-based paint risk on painted surfaces unless documentation to the contrary is provided.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,957 | $232,500 | $232,500 |
| 2024 | $1,914 | $232,500 | $232,500 |
| 2023 | $1,844 | $232,500 | $232,500 |
| 2022 | $1,981 | $192,300 | $192,300 |
| 2021 | $1,970 | $192,300 | $192,300 |
| 2020 | $1,962 | $192,300 | $192,300 |
| 2019 | $1,019 | $192,300 | $192,300 |
| 2018 | $326 | $44,300 | $44,300 |
| 2017 | $349 | $44,300 | $44,300 |
| 2016 | $340 | $44,300 | $44,300 |
| 2015 | $328 | $44,300 | $44,300 |
| 2014 | $433 | $44,300 | $44,300 |
| 2013 | $804 | $57,800 | $57,800 |
| 2012 | $772 | $58,600 | $58,600 |
| 2011 | $794 | $58,600 | $58,600 |
| 2010 | $1,082 | $78,800 | $78,800 |
| 2009 | $1,082 | $78,800 | $78,800 |
| 2008 | $1,082 | $78,800 | $78,800 |
| 2007 | $1,079 | $78,800 | $78,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-13 | Listed | $195,000 |
Photo Gallery
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"utility": "Gas Service Fee",
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"summary": "Property shows multiple safety and condition issues and will likely fail an initial HCV/NSPIRE inspection in current condition. Major items: water-damaged interior ceilings, rotted rear deck and unsafe stairs/railings, exterior electrical boxes and wiring needing evaluation, overgrown site and siding/porch deterioration. Substantial repairs or full renovation (possible new construction as listing suggests) are recommended before seeking Section 8 tenancy.",
"criteria": [
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"score": 30.0,
"rationale": "Listing and photos show significant deferred maintenance: stained/peeling interior ceilings (water damage), soiled/stained carpets, damaged trim and window treatments, clutter and debris, and a rotted exterior deck with missing/broken stair treads and loose railings. Screen porch is in poor condition with a damaged door and torn screens. Listing explicitly states 'needs a substantial amount of work' and 'highest and best use is likely new construction.' Missing or non-functional appliances were not shown; absence of appliances modestly reduces readiness but is not the primary concern. These combined items point to substantial cosmetic and repair scope."
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{
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 30.0,
"rationale": "Several safety risks visible or reasonably inferred: interior ceiling peeling/staining consistent with past/active water intrusion (risk of mold and compromised ceiling), exterior deck stairs/railings are unsafe (trip/fall and missing guardrail in places), exterior electrical meter and junction boxes show rust and multiple surface-mounted cables and vegetation encroachment (potential electrical hazard). No smoke or CO detectors are visible in photos. Window egress for bedrooms not clearly confirmed. Gas meter present and appears intact but vegetation around it is uncontrolled. These items raise moderate-to-high NSPIRE compliance risk until inspected and remediated."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 35.0,
"rationale": "Major systems are not documented in photos. Roof covering appears aged but intact; chimney flashing shows wear and potential leak points near the chimney where interior ceiling shows staining. No exterior HVAC condenser is visible in photos (could be elsewhere or missing) and no water heater/boiler/location shown. Exterior electrical meter and panels are present but show surface rust and vines on wiring which requires electrician evaluation. Gas meter is present. Because systems are undocumented but exterior evidence suggests age and deferred maintenance, score reflects probable need for mechanical servicing/repair rather than complete failure."
},
{
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"label": "Exterior & site condition",
"score": 40.0,
"rationale": "Yard is overgrown, fence and siding have vegetation and staining, and there is debris in the yard. The large rear deck is weathered and has rotted boards and unsafe stairs/railings that require removal or replacement. Siding appears aged and has climbing vines; some trim and shutters are damaged. Foundation visible at the perimeter looks generally intact in photos (no obvious large foundation cracks) but the property shows clear neglect and will need cleanup and repairs to be tenant-safe and attractive."
}
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"Rotted rear deck with missing/broken stair treads and unsafe or missing guardrails",
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"Roof flashing/chimney wear with likely leak paths (chimney flashing shows deterioration)",
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"confidence": 0.6,
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"Ceiling peeling/staining indicates prior or active water intrusion; roof flashing near chimney likely a source though no active leak was photographed.",
"No outdoor A/C condenser is visible in exterior pictures; assume HVAC may be absent, non-operational, or located out of frame.",
"Electrical service is present (meter and boxes visible) but surface rust, multiple exposed cables, and vine intrusion indicate probable need for electrician remediation rather than full replacement.",
"Property was built in 1952; assume presence of lead-based paint risk on painted surfaces unless documentation to the contrary is provided."
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"rubric_version": "nsPIRE-2024-v1"
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"label": "Visible condition & repairs",
"score": 30.0,
"rationale": "Interior shows widespread cosmetic and medium-severity deferred maintenance: heavily stained/damaged carpet, peeling/failed ceiling finishes (multiple rooms), debris and likely water-damaged finishes. Screened porch and screen door are broken; interior trim and finishes are worn. Rear deck has missing/rotten treads and deteriorated rail/paint. Listing explicitly states the home ‘needs a substantial amount of work’ and likely best as new construction. Missing/unknown kitchen appliances not visible in photos; treated as moderate issue. Overall substantial rehab required to make unit rentable."
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"score": 25.0,
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"score": 30.0,
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"score": 40.0,
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}
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"Extensive interior damage and debris that may conceal additional hazards (mold risk)"
],
"confidence": 0.6,
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"No smoke or carbon monoxide detectors are present or properly located unless hidden from photos; absence in images treated as missing.",
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"Interior electrical panel, plumbing fixtures, water heater and actual functioning of utilities were not shown; evaluated based on exterior meters and visible conduit/boxes.",
"Kitchen and appliances are not shown; assumed possibly missing or in poor condition given listing wording and overall condition.",
"Ceiling paint peeling is assumed to represent active or past water intrusion (roof or plumbing) rather than only cosmetic failure.",
"No evidence of severe foundation movement or collapsed ceilings; photos did not show obvious structural sagging but interior access is limited.",
"Listing statement that the home needs substantial work and 'highest and best use is likely new construction' was used to inform overall condition expectations."
],
"overall_score": 30.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "Property is not turnkey and would likely fail an initial Housing Choice Voucher (NSPIRE) inspection without significant repairs. Major issues visible or inferable: interior ceiling water damage (possible active leak), deteriorated screened porch and rear deck with unsafe stairs, aged roof and questionable chimney flashing, rusted electrical meter/panel with loose exterior wiring, absence of visible HVAC equipment, missing visible smoke/CO detectors, and substantial cosmetic and systems work. Expect 60–120+ days and multiple trades (roofing, electrical, HVAC, carpentry, plumbing, mold remediation/PAINT) to reach compliance for Section 8 leasing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 30.0,
"rationale": "Photos and listing indicate substantial deferred maintenance: interior shows multiple areas of peeling ceiling plaster/paint (water damage), stained/soiled carpeting, general debris, and likely required full cosmetic replacement. Exterior screened porch and rear deck have visible rot, missing/failed treads and decking, and deteriorated railings; front entry trim and shutters are worn. Listing explicitly states the home 'needs a substantial amount of work' and 'highest and best use is likely new construction.' Missing or inoperable interior finishes and significant deck repairs reduce turnkey readiness. Missing appliances were not shown but would be moderate impact; primary reduction is for structural finish repairs and deck/porch replacement."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE-related)",
"score": 25.0,
"rationale": "Multiple NSPIRE safety risks visible or reasonably inferred: peeling and water-damaged ceilings suggest active or recent roof/water intrusion (risk of mold and unsafe ceilings), no smoke/CO detectors visible in photos (likely fail on initial inspection), rear deck stair treads are broken/exposed creating trip/fall hazard and guardrail condition is poor, electrical meter/panel boxes are rusted with vines/cables nearby (possible electrical hazard) and exterior wiring appears loosely installed. Gas meter is installed at grade near vegetation. Given the visible conditions, the unit is at high risk of failing a Section 8 initial inspection unless these safety items are corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof/HVAC/electrical/plumbing)",
"score": 30.0,
"rationale": "Roof appears aged with questionable flashing at the chimney (visible metal work and discoloration) and shingles appear worn — combined with interior ceiling degradation this suggests at minimum roof maintenance/repair and possible leak remediation. No exterior A/C condenser or HVAC equipment is visible in the photos; heating system is not shown (risk of missing or nonfunctional HVAC). Electrical service meter/panels are present but show rust and vegetation intrusion; visible wiring to the meter is not neatly secured. Plumbing fixtures, water heater, and drain conditions were not photographed. Overall mechanical condition is unknown but signs point to at least moderate system repairs and further testing/repairs required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 35.0,
"rationale": "Exterior siding is aged and covered in vine growth; paint and trim are deteriorated. Screened porch and rear deck show rot and failing components; rear yard is overgrown with debris and loose materials (cinder blocks, hoses) that are trip hazards. Walkway at front is present but covered in leaves; driveway/patio concrete shows typical wear. Foundation visible as brick perimeter appears intact in photos without obvious large cracks, but vegetation close to foundation could affect drainage. Overall the site is repairable but needs vegetation clearing, deck replacement/repair, and exterior trim/siding work."
}
],
"red_flags": [
"Evidence of water intrusion / peeling ceilings consistent with active or recent roof leaks",
"Unsafe/rotten rear deck stairs and deteriorated porch screening (trip/fall hazard, guardrail risk)",
"Electrical hazards: rusted/aged meter and exterior panels with loose wiring and vegetation intrusion",
"No visible smoke/CO detectors in interior photos (NSPIRE fail if truly absent)",
"No visible heating/cooling equipment (potential lack of safe, functional heating system)",
"Significant exterior vegetation growth contacting structure (moisture/infestation risk)"
],
"confidence": 0.6,
"assumptions": [
"No interior mechanical systems (HVAC, water heater) are visible in photos; assume HVAC presence/function is unknown and may be nonfunctional or absent.",
"Smoke and carbon monoxide detectors are not visible in the supplied interior photos; assume they are missing or not properly located.",
"Water staining and peeling ceiling indicate active or prior roof/leak issues; assume at least some remediation of roof, ceiling, and potential mold is required.",
"Electrical meter/panel shown is representative of the service condition; assume interior electrical panel exists but requires inspection and likely repairs.",
"Appliances (stove, refrigerator, washer/dryer) are not shown; assume they may be missing or in unknown condition — missing appliances reduce readiness moderately but are not primary safety fails.",
"No rental history in last 5 years; rental_history_activity excluded from scoring."
],
"overall_score": 30.0,
"rubric_version": "2026-03-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4215 Dinglewood Ave, Charlotte, NC, 28205",
"aggregate": {
"summary": "Property shows multiple safety and condition issues and will likely fail an initial HCV/NSPIRE inspection in current condition. Major items: water-damaged interior ceilings, rotted rear deck and unsafe stairs/railings, exterior electrical boxes and wiring needing evaluation, overgrown site and siding/porch deterioration. Substantial repairs or full renovation (possible new construction as listing suggests) are recommended before seeking Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 30.0,
"rationale": "Listing and photos show significant deferred maintenance: stained/peeling interior ceilings (water damage), soiled/stained carpets, damaged trim and window treatments, clutter and debris, and a rotted exterior deck with missing/broken stair treads and loose railings. Screen porch is in poor condition with a damaged door and torn screens. Listing explicitly states 'needs a substantial amount of work' and 'highest and best use is likely new construction.' Missing or non-functional appliances were not shown; absence of appliances modestly reduces readiness but is not the primary concern. These combined items point to substantial cosmetic and repair scope."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 38.3,
"rationale": "Yard is overgrown, fence and siding have vegetation and staining, and there is debris in the yard. The large rear deck is weathered and has rotted boards and unsafe stairs/railings that require removal or replacement. Siding appears aged and has climbing vines; some trim and shutters are damaged. Foundation visible at the perimeter looks generally intact in photos (no obvious large foundation cracks) but the property shows clear neglect and will need cleanup and repairs to be tenant-safe and attractive."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 26.7,
"rationale": "Several safety risks visible or reasonably inferred: interior ceiling peeling/staining consistent with past/active water intrusion (risk of mold and compromised ceiling), exterior deck stairs/railings are unsafe (trip/fall and missing guardrail in places), exterior electrical meter and junction boxes show rust and multiple surface-mounted cables and vegetation encroachment (potential electrical hazard). No smoke or CO detectors are visible in photos. Window egress for bedrooms not clearly confirmed. Gas meter present and appears intact but vegetation around it is uncontrolled. These items raise moderate-to-high NSPIRE compliance risk until inspected and remediated."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 31.7,
"rationale": "Major systems are not documented in photos. Roof covering appears aged but intact; chimney flashing shows wear and potential leak points near the chimney where interior ceiling shows staining. No exterior HVAC condenser is visible in photos (could be elsewhere or missing) and no water heater/boiler/location shown. Exterior electrical meter and panels are present but show surface rust and vines on wiring which requires electrician evaluation. Gas meter is present. Because systems are undocumented but exterior evidence suggests age and deferred maintenance, score reflects probable need for mechanical servicing/repair rather than complete failure."
}
],
"red_flags": [
"Evidence of water intrusion / interior ceiling damage (risk of ceiling failure and mold)",
"Rotted rear deck with missing/broken stair treads and unsafe or missing guardrails",
"Electrical hazards: rusted exterior panels, surface-mounted wiring and vegetation contacting cables",
"Roof flashing/chimney wear with likely leak paths (chimney flashing shows deterioration)",
"No visible smoke/CO detectors and unknown operational heating/cooling system"
],
"confidence": 0.93,
"assumptions": [
"Photos are representative of the whole property and recent (listing indicates 2026 watermark); interior mechanical rooms (HVAC/water heater) are not shown.",
"No smoke or CO detectors were visible in the interior photos; assume none are present or not up-to-code until verified.",
"Ceiling peeling/staining indicates prior or active water intrusion; roof flashing near chimney likely a source though no active leak was photographed.",
"No outdoor A/C condenser is visible in exterior pictures; assume HVAC may be absent, non-operational, or located out of frame.",
"Electrical service is present (meter and boxes visible) but surface rust, multiple exposed cables, and vine intrusion indicate probable need for electrician remediation rather than full replacement.",
"Property was built in 1952; assume presence of lead-based paint risk on painted surfaces unless documentation to the contrary is provided."
],
"score_method": "mean_of_criteria",
"overall_score": 31.0,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6150028826"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.