Property ID: 6153584560
2807 48th Avenue Dr W, Bradenton, FL, 34207
Bradenton, FL
Money Down: $38,400
CoC Return: 9.36%
Monthly Cash Flow: $299
Est. Final ARV: $188,710
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$32,000
Closing Costs
$6,400
Total Down
$38,400
Investment Snapshot
Purchase Price
$160,000
Money Down
$38,400
Cash-on-Cash Return
9.36%
Rent
$1,570
Monthly Cash Flow
$299
Annual Cash Flow
$3,594
Debt Service / Mo
$852
Property Tax / Mo
$192
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,570
Payment Standard
$1,837
Rent
$1,570
Insurance
$70
Property Tax
$192
Management
$157
Utilities Allowance
$267
NOI (Monthly)
$1,151
Debt Service
$852
Cash Flow After Debt
$299
Quality Score: 76.70%
Confidence: 94.00%
This 2-bed, 2-bath villa appears largely marketable for Housing Choice Voucher tenancy with mostly cosmetic repairs and a few quick safety/technical fixes. Strengths: updated roof and HVAC (per listing), intact exterior, good flooring replacement, two full baths and major kitchen appliances present. Primary inspection risks: absence of visible smoke/CO detectors and uncertain GFCI/electrical panel verification, and a pending water heater replacement. Addressing detectors, verifying/adding GFCI protection, completing water heater installation and basic cleaning/cabinet touch-ups should allow this unit to pass an initial NSPIRE/HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,837
Utility Allowance Total
$267
Guaranteed Section 8 Rent (PS - Utilities)
$1,570
Property Management
$157
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$160,000
Beds
2
Baths
2
Living Area
896 sqft
Lot Size
—
Year Built
1982
Days on Market
90
Capital Outlay
$38,400
Debt Service
$852
Property Tax / Mo
$192
Insurance / Mo
$70
Property Description
Convient to shopping, restaurants and just 7.5 miles from Bradenton Beach, one of the most beautiful beaches in Florida. This 2 bedroom, 2 bath villa is situated on a pond so you can sit on your back, screened lanai and enjoy the nature. A quaint kitchen features a pass through into your dining area with an open floor plan to the main living area. Sliders open to your back lanai and features extra storage. There is also plenty of storage in the front 2 storage closets off of your carport, which protect you and your vehicle from the elements. This villa is on a dead end circle so there is no through traffic. There are 2 spacious bedrooms, the primary bedroom is also an ensuite with a build-in closet as well as a linen closet. Primary bathroom is sunny with its side window. A feature you get with a villa, unlike most condos. Enjoy full time living in this unit or lease it out. Association includes trash removal, outdoor pest control, grounds maintenance and cable TV. HVAC and roof replaced in 2025! Water heater will be changed out in the next few weeks as well as a washer and dryer added.
Utility Allowances
Heating
$15
Property has central electric heating. 'Electric' was chosen over 'Electric Heat Pump' as it is the more expensive option and the specific type was not detailed.
Cooking
$11
Property is equipped with an electric range for cooking.
Water Heating
$34
The property details explicitly state it has an electric water heater.
Air Conditioning
$25
The property has central air conditioning.
Other Electric
$45
Standard allowance for general electricity usage (lights, outlets, etc.) for a home of this size.
Water
$40
Property is connected to a public water source.
Sewer
$66
Property is connected to a public sewer system.
Trash Collection
$0
Trash collection is included in the HOA fees, which are not a tenant utility expense.
Refrigerator
$0
A refrigerator is provided by the landlord, so no allowance is given for a tenant-provided appliance.
Range / Microwave
$0
A range and microwave are provided by the landlord, so no allowance is given for tenant-provided appliances.
Medical Baseline
$31
Standard baseline allowance for tenants with medical equipment needs.
Source References
Payment Standard Source
Effective Date:
Apr 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$838
DP3 Annual Estimate$838
DP1 Monthly Equivalent$70
DP3 Monthly Equivalent$70
Replacement Value$162,350
Basis896 sqft / 1982
Nearby Houses
Photo unavailable
2814 48th Avenue Dr W
sold
Price: $225,000
2 bd / 2 ba · 1,166 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
4722 27th St W
sold · 0.09 mi
Price: $215,000
3 bd / 2 ba · 1,469 sqft
Latest sale: $215,000
Latest rent: —
Photo unavailable
2626 48th Ave W
sold · 0.09 mi
Price: $169,000
3 bd / 2 ba · 1,201 sqft
Latest sale: $169,000
Latest rent: —
Photo unavailable
4721 27th St W
sold · 0.11 mi
Price: $142,000
4 bd / 2 ba · 2,120 sqft
Latest sale: $142,000
Latest rent: —
Photo unavailable
Address unavailable
sold · 0.11 mi
Price: $376,800
3 bd / 2 ba · 1,896 sqft
Latest sale: $376,800
Latest rent: —
Properties Used for Comps
Photo unavailable
4926 Live Oak Cir, Bradenton, FL, 34207
sold
Price: $237,500
Rent: —
2 bd / 2 ba · 1,042 sqft
Sale Date: May 28, 2024
Distance: 0.19 mi
View listing
Photo unavailable
5012 Live Oak Cir, Bradenton, FL, 34207
sold
Price: $216,500
Rent: —
2 bd / 2 ba · 1,042 sqft
Sale Date: Sep 13, 2024
Distance: 0.19 mi
View listing
Photo unavailable
5044 Live Oak Cir, Bradenton, FL, 34207
sold
Price: $270,000
Rent: —
2 bd / 2 ba · 1,042 sqft
Sale Date: Apr 11, 2024
Distance: 0.19 mi
View listing
Photo unavailable
5068 Red Oak Pl, Bradenton, FL, 34207
sold
Price: $150,000
Rent: —
2 bd / 2 ba · 1,016 sqft
Sale Date: Oct 09, 2025
Distance: 0.24 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors (required) — potential NSPIRE fail until installed/verifed
- No visible carbon monoxide detector (status unknown) — verify requirement and install if needed
- Water heater replacement still pending — must be installed and supply hot water prior to inspection
Assumptions
- Seller/listing statement that roof and HVAC were replaced in 2025 is accurate and systems are functional.
- Water heater is currently old or scheduled for replacement per listing; hot water may be intermittent until replaced.
- No active roof leaks, foundation movement, or hidden structural issues exist beyond what photos show.
- Electrical panel and circuit protection are present and in code condition though panel not photographed; GFCI presence near kitchen and baths is unverified.
- Smoke and carbon monoxide detectors are not visible in photos and are assumed absent or not documented; they will need confirmation/installation.
- No evidence of severe mold, termite or pest infestation is visible in photos; association provides outdoor pest control per listing.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,238 | $162,350 | $111,125 |
| 2024 | $2,268 | $162,350 | $111,125 |
| 2023 | $2,187 | $178,500 | $91,839 |
| 2022 | $1,599 | $98,700 | $83,490 |
| 2021 | $1,387 | $81,000 | $75,900 |
| 2020 | $1,298 | $69,000 | $69,000 |
| 2019 | $1,114 | $59,000 | $56,100 |
| 2018 | $1,012 | $51,000 | $51,000 |
| 2017 | $928 | $48,500 | $48,500 |
| 2016 | $874 | $44,500 | $44,500 |
| 2015 | $859 | $43,000 | $43,000 |
| 2014 | $859 | $43,073 | $43,073 |
| 2013 | $832 | $41,819 | $41,819 |
| 2012 | $837 | $42,241 | $42,241 |
| 2011 | $877 | $44,001 | $44,001 |
| 2010 | $861 | $44,017 | $44,017 |
| 2009 | $1,539 | $86,308 | $86,308 |
| 2008 | $1,742 | $100,358 | $100,358 |
| 2007 | $1,952 | $111,509 | $111,509 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-18 | Listed | $160,000 |
| 2024-01-01 | Listing removed | $225,000 |
| 2023-11-11 | Listing removed | $2,000 |
| 2023-10-30 | Listed for rent | $2,000 |
| 2023-10-26 | Listing removed | $225,000 |
| 2023-10-20 | Price Changed | $225,000 |
| 2023-10-17 | Price Changed | $250,000 |
| 2023-10-06 | Listing removed | $1,850 |
| 2023-09-26 | Price Changed for rent | $1,850 |
| 2023-09-26 | Price Changed | $265,000 |
| 2023-09-04 | Price Changed | $275,000 |
| 2023-08-26 | Listed for rent | $1,950 |
| 2023-08-11 | Listed | $289,000 |
| 2019-11-14 | Sold | $89,000 |
| 1995-07-17 | Sold | $43,000 |
| 1987-05-18 | Sold | $48,900 |
Photo Gallery
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"tax": 1742,
"year": 2008,
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},
"assessment": {
"land": null,
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}
},
{
"tax": 1952,
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"land": 22828,
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},
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"land": null,
"total": 111509,
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}
}
],
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"date": "2026-03-18",
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{
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{
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{
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{
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{
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{
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{
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{
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{
"date": "2023-09-26",
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{
"date": "2023-09-04",
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{
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{
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has central electric heating. 'Electric' was chosen over 'Electric Heat Pump' as it is the more expensive option and the specific type was not detailed.",
"utility": "Heating",
"allowance": 15
},
{
"note": "Property is equipped with an electric range for cooking.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "The property details explicitly state it has an electric water heater.",
"utility": "Water Heating",
"allowance": 34
},
{
"note": "The property has central air conditioning.",
"utility": "Air Conditioning",
"allowance": 25
},
{
"note": "Standard allowance for general electricity usage (lights, outlets, etc.) for a home of this size.",
"utility": "Other Electric",
"allowance": 45
},
{
"note": "Property is connected to a public water source.",
"utility": "Water",
"allowance": 40
},
{
"note": "Property is connected to a public sewer system.",
"utility": "Sewer",
"allowance": 66
},
{
"note": "Trash collection is included in the HOA fees, which are not a tenant utility expense.",
"utility": "Trash Collection",
"allowance": 0
},
{
"note": "A refrigerator is provided by the landlord, so no allowance is given for a tenant-provided appliance.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "A range and microwave are provided by the landlord, so no allowance is given for tenant-provided appliances.",
"utility": "Range / Microwave",
"allowance": 0
},
{
"note": "Standard baseline allowance for tenants with medical equipment needs.",
"utility": "Medical Baseline",
"allowance": 31
}
],
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"down_payment_amount": 32000.0,
"property_tax_annual": 2305.14,
"property_tax_monthly": 192.09,
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"utility_allowance_total": 267.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
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"https://sarasotahousing.org/documents/section8/landlords/HCVnewsletterAugust2025.pdf"
],
"effective_date": "2026-04-01"
},
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"annual_cash_flow_after_debt": 3593.81,
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},
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"runs": [
{
"summary": "This 2-bed, 2-bath villa appears largely marketable for Housing Choice Voucher tenancy with mostly cosmetic repairs and a few quick safety/technical fixes. Strengths: updated roof and HVAC (per listing), intact exterior, good flooring replacement, two full baths and major kitchen appliances present. Primary inspection risks: absence of visible smoke/CO detectors and uncertain GFCI/electrical panel verification, and a pending water heater replacement. Addressing detectors, verifying/adding GFCI protection, completing water heater installation and basic cleaning/cabinet touch-ups should allow this unit to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears clean with recently replaced tile-like flooring; kitchens and baths are present and functional but show cosmetic wear (scuffed cabinet faces, aged countertops, grout/caulk staining in tubs). Major appliances largely present (fridge, microwave, dishwasher, stove) though some units look older and may need service or cleaning. Listing notes water heater will be replaced and washer/dryer added soon. Overall only moderate cosmetic and appliance‐service items visible — repair/cleaning and minor cabinet work expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 65.0,
"rationale": "No visible exposed wiring, no loose/unsafe stairs, entry appears secure and windows for egress appear present. However, no smoke detectors are visible in the photos and no carbon monoxide detector is shown (required where applicable). GFCI protection at sink areas is not clearly documented in images. Bathroom fixtures and tub/shower appear intact but show staining; caulking/grout likely needs remediation. Because detectors and GFCI status are unknown, this raises an NSPIRE inspection risk that can be corrected quickly but must be addressed before tenancy."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electric, Roof)",
"score": 78.0,
"rationale": "Listing states HVAC and roof were replaced in 2025 — if accurate this strongly reduces mechanical risk. Plumbing fixtures are present (two baths) and appear serviceable in photos. Water heater replacement is pending per listing (scheduled) which is an outstanding item; electrical panel is not shown so its condition is assumed intact. Overall systems look recently updated or serviceable but pending water heater and lack of visible panel/GFCI verification prevents a top score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior stucco, roofline and carport appear in good condition; yard is maintained and shows no standing water or severe drainage issues in photos. Driveway has surface staining/age but no major cracking or trip hazards visible. AC condenser sits on a pad near the side — appears installed and typical for the area. No visible foundation movement or structural sagging observed from provided exteriors."
}
],
"red_flags": [
"No visible smoke detectors (required) — potential NSPIRE fail until installed/verifed",
"No visible carbon monoxide detector (status unknown) — verify requirement and install if needed",
"Water heater replacement still pending — must be installed and supply hot water prior to inspection"
],
"confidence": 0.7,
"assumptions": [
"Seller/listing statement that roof and HVAC were replaced in 2025 is accurate and systems are functional.",
"Water heater is currently old or scheduled for replacement per listing; hot water may be intermittent until replaced.",
"No active roof leaks, foundation movement, or hidden structural issues exist beyond what photos show.",
"Electrical panel and circuit protection are present and in code condition though panel not photographed; GFCI presence near kitchen and baths is unverified.",
"Smoke and carbon monoxide detectors are not visible in photos and are assumed absent or not documented; they will need confirmation/installation.",
"No evidence of severe mold, termite or pest infestation is visible in photos; association provides outdoor pest control per listing."
],
"overall_score": 75.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 2-bed/2-bath villa appears largely rent-ready for Section 8 / HCV with recent major system upgrades (roof and HVAC replaced in 2025) and a generally sound exterior and interior. Most issues are cosmetic or routine capital items (cabinet touch-up, recaulk tubs, replace damaged blinds, driveway cleaning). Key verification items before inspection: confirm functioning smoke detectors and CO alarms, verify GFCI protection at kitchen/bath, ensure a keyed deadbolt on the entry door, confirm water heater replacement and provide HVAC/roof warranty or service records. With those verifications and minor fixes completed (likely under 30 days), the unit has a high probability of passing an initial NSPIRE/HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior finishes show normal wear but no severe deferred-maintenance: tile/vinyl flooring appears recently redone and in good condition; cabinets are scuffed and could use repainting or touch-up; bathrooms show dirt/grime, some missing or aged caulking around tubs and base of vanities that should be recaulked; blinds/mini-blinds are damaged and should be replaced; driveway has surface staining and hairline cracking but is functional. Major appliances are present in photos (fridge, microwave, dishwasher, stove) though some appear older; listing states washer/dryer will be added and water heater will be replaced. All observed items are cosmetic or mid-level service items and are easy-to-fix or capital expenditures rather than structural failures."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards are visible (no sagging ceilings, open wiring, or standing water). Bedrooms show windows suitable for egress. Entry doors appear secure but a keyed-deadbolt is not visible in photos (must verify). Smoke/carbon monoxide detectors are not clearly visible in images; at least one round ceiling device visible in kitchen area could be a fan or detector but cannot be confirmed — detectors must be present and functional in required locations. GFCI protection in kitchen and bathrooms is not clearly identifiable in photos; verify GFCI outlets or protected breakers. Minor safety items (recaulking tub, securing closet doors, fixing window blinds) noted. Overall moderate compliance risk pending verification of detectors, deadbolt, and GFCI outlets."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 85.0,
"rationale": "Listing indicates HVAC and roof were replaced in 2025 — major positives for HCV inspections (new roof/HVAC greatly reduce failure risk). An outdoor AC condenser is visible. Water heater is stated to be replaced in coming weeks (must confirm completed prior to inspection). Electrical appears intact with visible switches/outlets; main electrical panel not shown and should be verified as secured and labeled. Plumbing fixtures are present and appear functional though tubs/showers show aged grout/caulk that should be serviced. Overall major systems appear in good condition but require document verification (HVAC service paperwork, water heater installation) and confirmation of electrical panel condition and GFCI protection."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 88.0,
"rationale": "Exterior photo shows a sound stucco envelope, a recently replaced shingle roof, intact gutters, and a screened lanai. The lot appears well maintained with no visible foundation settlement, major cracks, or roof sag. Driveway shows surface wear and staining but no structural failure. Carport and storage closets are present and appear serviceable. No evidence of infestation, standing water, or severe exterior neglect visible in photos. Landscaping is maintained and walkways appear safe."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that HVAC and roof were replaced in 2025 is accurate and the systems are operational; seller will provide service/installation documentation if requested.",
"Water heater replacement and supply of washer/dryer (both stated in listing) will be completed prior to leasing/inspection; assessment assumes water heater will be replaced as advertised.",
"No obvious structural or moisture intrusion issues exist behind finishes (photos show no staining, sagging, or peeling that would indicate active leaks).",
"Smoke detectors, CO alarms, deadbolt lock, and GFCI outlets were not clearly visible in photos; scores assume these items may be missing or unconfirmed and therefore lower the safety score until verified.",
"Electrical panel is intact and compliant though it was not pictured; no visible open wiring observed in pictured areas.",
"Association-provided maintenance (trash, pest control, grounds) noted in listing is current and will continue to support property condition."
],
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-HCV-v1"
},
{
"summary": "This 2-bed/2-bath villa appears largely rent-ready with recent major system upgrades (roof and HVAC replaced 2025) and generally good interior/exterior condition. Most issues are cosmetic or minor (cabinet wear, driveway staining, general cleaning). The main NSPIRE risk areas from photos are lack of clearly visible smoke/carbon-monoxide detectors and no visible deadbolt on the entry — both are common immediate-fix items for an initial Section 8 inspection. Water heater replacement is pending per listing and should be completed prior to inspection. With completion of the water heater install, confirmation/installation of required detectors, and installation/verification of entry hardware, the unit is likely to pass an initial Housing Choice Voucher inspection after minor fixes.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior appears clean and mostly updated cosmetically: new-looking vinyl/tile flooring throughout, painted walls, working light fixtures and ceiling fans. Kitchen and bathroom cabinets show wear and surface dirt but are intact. Appliances are present (refrigerator, microwave, range, dishwasher) — missing or aged appliance condition is moderate but not catastrophic. Minor deferred items visible: scuffed cabinet faces, some baseboard wear, door trim scuffs, driveway staining. No exposed subfloor or collapsed surfaces visible. Overall, easy-to-fix cosmetic items dominate."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: bathrooms and kitchens have intact fixtures, floors are flat with no trip hazards shown, windows appear to provide egress in bedrooms, tub/shower and toilets present. However, smoke/carbon-monoxide detectors are not clearly visible in the photos (round ceiling device in kitchen could be a detector but is not confirmed). Deadbolt presence on the entry door is not shown. GFCI protection near wet areas is not clearly identifiable in photos. No exposed wiring or active leaks observed. Because smoke detectors and secure deadbolt are common immediate inspection items, their unclear presence reduces the safety score moderately."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Listing states HVAC and roof replaced in 2025 and an exterior A/C condenser is visible — strong positive for heating/cooling and roof integrity. Water heater replacement is planned per listing (will be changed out), and washer/dryer will be added. Plumbing fixtures shown appear functional with no visible leaks or severe staining. Electrical panel and service condition are not visible in photos; no exposed wiring observed. Given recent roof/HVAC and pending water heater replacement, major systems appear robust with only minor near-term work expected."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior stucco and roof look intact in photos; landscaping is maintained and grounds appear free of debris. Carport and storage closets present and functional. Driveway has surface staining and hairline cracking but is serviceable. Property backs to a pond — good for setting but increases need to verify drainage and potential moisture intrusion (no active water intrusion observed). Overhead service lines are visible but typical. Overall exterior shows routine maintenance needs only."
}
],
"red_flags": [
"No clearly visible smoke detector(s) in photos — required for NSPIRE/Section 8 inspections.",
"No deadbolt shown on entry door — many HCV inspections require secure entry (deadbolt) or local jurisdiction requirement.",
"Water heater replacement is pending — if not installed and operational before inspection, lack of hot water would fail.",
"Electrical panel and GFCI protection not visible in photos — these must be confirmed functional and compliant at inspection."
],
"confidence": 0.72,
"assumptions": [
"Listing statement that HVAC and roof were replaced in 2025 is accurate and those systems are operational.",
"Water heater replacement will be completed as stated before occupancy/inspection; if not, absence of hot water would be an inspection failure.",
"Appliances shown (range, refrigerator, microwave, dishwasher) are functional; photos show them present though age/operation not verified.",
"No major defects (electrical panel problems, hidden mold, active roof leaks, major foundation movement) exist beyond what is visible in photos; absence of visible distress is used to infer likely condition.",
"Bedroom windows meet local egress size/operation requirements (windows appear typical for bedrooms but sizes not measured).",
"No unsafe or unpermitted work exists behind walls (electrical, plumbing) that would create hidden hazards."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2807 48th Avenue Dr W, Bradenton, FL, 34207",
"aggregate": {
"summary": "This 2-bed, 2-bath villa appears largely marketable for Housing Choice Voucher tenancy with mostly cosmetic repairs and a few quick safety/technical fixes. Strengths: updated roof and HVAC (per listing), intact exterior, good flooring replacement, two full baths and major kitchen appliances present. Primary inspection risks: absence of visible smoke/CO detectors and uncertain GFCI/electrical panel verification, and a pending water heater replacement. Addressing detectors, verifying/adding GFCI protection, completing water heater installation and basic cleaning/cabinet touch-ups should allow this unit to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior appears clean with recently replaced tile-like flooring; kitchens and baths are present and functional but show cosmetic wear (scuffed cabinet faces, aged countertops, grout/caulk staining in tubs). Major appliances largely present (fridge, microwave, dishwasher, stove) though some units look older and may need service or cleaning. Listing notes water heater will be replaced and washer/dryer added soon. Overall only moderate cosmetic and appliance‐service items visible — repair/cleaning and minor cabinet work expected."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.7,
"rationale": "Exterior stucco, roofline and carport appear in good condition; yard is maintained and shows no standing water or severe drainage issues in photos. Driveway has surface staining/age but no major cracking or trip hazards visible. AC condenser sits on a pad near the side — appears installed and typical for the area. No visible foundation movement or structural sagging observed from provided exteriors."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 68.3,
"rationale": "No visible exposed wiring, no loose/unsafe stairs, entry appears secure and windows for egress appear present. However, no smoke detectors are visible in the photos and no carbon monoxide detector is shown (required where applicable). GFCI protection at sink areas is not clearly documented in images. Bathroom fixtures and tub/shower appear intact but show staining; caulking/grout likely needs remediation. Because detectors and GFCI status are unknown, this raises an NSPIRE inspection risk that can be corrected quickly but must be addressed before tenancy."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electric, Roof)",
"score": 81.0,
"rationale": "Listing states HVAC and roof were replaced in 2025 — if accurate this strongly reduces mechanical risk. Plumbing fixtures are present (two baths) and appear serviceable in photos. Water heater replacement is pending per listing (scheduled) which is an outstanding item; electrical panel is not shown so its condition is assumed intact. Overall systems look recently updated or serviceable but pending water heater and lack of visible panel/GFCI verification prevents a top score."
}
],
"red_flags": [
"No visible smoke detectors (required) — potential NSPIRE fail until installed/verifed",
"No visible carbon monoxide detector (status unknown) — verify requirement and install if needed",
"Water heater replacement still pending — must be installed and supply hot water prior to inspection"
],
"confidence": 0.94,
"assumptions": [
"Seller/listing statement that roof and HVAC were replaced in 2025 is accurate and systems are functional.",
"Water heater is currently old or scheduled for replacement per listing; hot water may be intermittent until replaced.",
"No active roof leaks, foundation movement, or hidden structural issues exist beyond what photos show.",
"Electrical panel and circuit protection are present and in code condition though panel not photographed; GFCI presence near kitchen and baths is unverified.",
"Smoke and carbon monoxide detectors are not visible in photos and are assumed absent or not documented; they will need confirmation/installation.",
"No evidence of severe mold, termite or pest infestation is visible in photos; association provides outdoor pest control per listing."
],
"score_method": "mean_of_criteria",
"overall_score": 76.7,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6153584560"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.