Property ID: 6443811719
5323 22nd St W, Bradenton, FL, 34207
Bradenton, FL
Money Down: $66,720
CoC Return: 1.74%
Monthly Cash Flow: $97
Est. Final ARV: $324,627
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$55,600
Closing Costs
$11,120
Total Down
$66,720
Investment Snapshot
Purchase Price
$278,000
Money Down
$66,720
Cash-on-Cash Return
1.74%
Rent
$2,091
Monthly Cash Flow
$97
Annual Cash Flow
$1,161
Debt Service / Mo
$1,480
Property Tax / Mo
$199
Insurance / Mo
$106
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,091
Payment Standard
$2,399
Rent
$2,091
Insurance
$106
Property Tax
$199
Management
$209
Utilities Allowance
$308
NOI (Monthly)
$1,576
Debt Service
$1,480
Cash Flow After Debt
$97
Quality Score: 67.90%
Confidence: 89.00%
Overall this 3BR/2BA single‑family appears mostly rent‑ready with cosmetic updates and functioning appliances evident. Primary inspection risks are safety/egress and basic system verifications: a boarded/covered window (possible egress failure), at least one missing outlet cover (electrical hazard), and no visible smoke/CO detectors in photos. Major systems (HVAC, roof, plumbing) look intact from images but require on‑site verification (AC operation, water heater, electrical panel). With correction of the boarded window, installation/verification of required alarms, replacement of missing outlet covers and a quick service check of HVAC and water heater, the property would likely pass an initial HCV/NSPIRE inspection. Estimated time to pass after addressing visible items: 1–4 weeks.
Section 8 Payment Standard
$2,399
Utility Allowance Total
$308
Guaranteed Section 8 Rent (PS - Utilities)
$2,091
Property Management
$209
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$278,000
Beds
3
Baths
2
Living Area
1,365 sqft
Lot Size
10,019 sqft
Year Built
1965
Days on Market
95
Capital Outlay
$66,720
Debt Service
$1,480
Property Tax / Mo
$199
Insurance / Mo
$106
Property Description
One or more photo(s) has been virtually staged. Best Priced 3-bedroom 2-bathroom in Bayshore Gardens area without HOA Fees. The property is on a dead-end street. Conveniently located near the intersection of 53rd Ave W and 14th St W and is less than 9 miles to the Beach. Great home for investors, first-time home buyers, or a move-in-ready property that you can update at your own pace. Good-sized open back yard ready for your landscaping touch.
Utility Allowances
Heating (Electric)
$18
Property details list 'Ductless' heating, which is an electric system. The 'electric' option was chosen over 'electric_heat_pump'.
Cooking (Electric)
$14
Property has an electric range. The 'electric' option was selected as the most appropriate fuel type.
Water Heater (Electric)
$42
Property details explicitly list an 'Electric Water Heater'.
Air Conditioning
$29
Property includes 'Wall/Window Unit(s)' for cooling.
Other Electric
$50
Standard allowance for lighting, outlets, and small appliances.
Water
$47
Property is connected to public water, inferred from the public sewer connection.
Sewer
$75
Property details explicitly state 'Public Sewer'.
Trash Collection
$21
Standard assumed utility for a single-family residence.
Refrigerator
$6
The tenant pays for the electricity to run the refrigerator. This allowance covers that cost.
Range / Microwave
$6
The tenant pays for the electricity to run the microwave. This allowance covers that cost.
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$1,276
DP3 Annual Estimate$1,276
DP1 Monthly Equivalent$106
DP3 Monthly Equivalent$106
Replacement Value$97,668
Basis1,365 sqft / 1965
Nearby Houses
Photo unavailable
5315 22nd St W
sold · 0.03 mi
Price: $146,500
2 bd / 2 ba · 1,210 sqft
Latest sale: $146,500
Latest rent: —
Photo unavailable
5322 21st St W
sold · 0.04 mi
Price: $223,000
3 bd / 2 ba · 1,951 sqft
Latest sale: $223,000
Latest rent: —
Photo unavailable
2209 54th Avenue Dr W Unit A
sold · 0.05 mi
Price: $340,000
— bd / — ba · 1,512 sqft
Latest sale: $340,000
Latest rent: —
Photo unavailable
2211 54th Avenue Dr W
sold · 0.06 mi
Price: $145,000
3 bd / 2 ba · 1,572 sqft
Latest sale: $145,000
Latest rent: —
Photo unavailable
5403 21st St W
sold · 0.06 mi
Price: $365,000
3 bd / 2 ba · 1,280 sqft
Latest sale: $365,000
Latest rent: —
Photo unavailable
2118 53rd Ave W
for_sale · 0.08 mi
Price: $349,000
3 bd / 1 ba · 1,060 sqft
Latest sale: $147,000
Latest rent: —
Photo unavailable
2114 53rd Ave W
sold · 0.09 mi
Price: $375,000
4 bd / 2 ba · 1,508 sqft
Latest sale: $375,000
Latest rent: —
Properties Used for Comps
Photo unavailable
5440 18th Ct W, Bradenton, FL, 34207
sold
Price: $289,500
Rent: —
3 bd / 2 ba · 1,406 sqft
Sale Date: Dec 05, 2024
Distance: 0.16 mi
View listing
Photo unavailable
5524 20th St W, Bradenton, FL, 34207
sold
Price: $325,000
Rent: —
3 bd / 2 ba · 1,588 sqft
Sale Date: Aug 27, 2025
Distance: 0.24 mi
View listing
Photo unavailable
2319 55th Ave W, Bradenton, FL, 34207
sold
Price: $355,000
Rent: —
3 bd / 2 ba · 1,112 sqft
Sale Date: Nov 22, 2024
Distance: 0.19 mi
View listing
Photo unavailable
2411 55th Ave W, Bradenton, FL, 34207
sold
Price: $299,000
Rent: —
3 bd / 2 ba · 1,350 sqft
Sale Date: Sep 19, 2025
Distance: 0.23 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- Boarded/covered living-room window — potential bedroom/egress failure (must be repaired/replaced before inspection).
- Missing outlet cover (visible in bedroom photo) — exposed electrical hazard that must be corrected.
- No visible smoke detectors or CO alarms in photos — required devices must be installed/verified.
- Key systems not shown: water heater and main electrical panel not visible — require on-site verification.
Assumptions
- Central HVAC is present and operable (supply vents visible); full functional test not available in photos.
- Kitchen appliances shown (stove, microwave, dishwasher, refrigerator) will be left with the unit and are operable; stove still has factory film indicating recent installation.
- Boarded/covered window shown in some photos reflects an actual covered or damaged window and is not a virtual staging artifact.
- Smoke detectors and CO alarms are not present (not visible in photos) and therefore must be considered absent until verified.
- Electrical panel, water heater and plumbing shutoffs are present but not visible; their condition is unknown and assumed serviceable until inspected.
- No recent rental history available (rental_history_last_5y missing) and therefore rental history not used in scoring.
- Virtual staging is used in at least one photo (listing note); staged furnishings do not indicate system condition.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,321 | $143,568 | $135,353 |
| 2024 | $2,257 | $143,568 | $135,353 |
| 2023 | $2,256 | $162,524 | $111,862 |
| 2022 | $2,000 | $136,441 | $101,523 |
| 2021 | $963 | $105,212 | $92,294 |
| 2020 | $1,555 | $87,019 | $83,904 |
| 2019 | $1,475 | $84,538 | $76,276 |
| 2018 | $1,421 | $84,600 | $84,600 |
| 2017 | $604 | $63,038 | $63,038 |
| 2016 | $615 | $60,819 | $60,819 |
| 2015 | $1,055 | $55,506 | $55,506 |
| 2014 | $969 | $49,844 | $49,844 |
| 2013 | $895 | $45,728 | $45,728 |
| 2012 | $890 | $45,539 | $45,539 |
| 2011 | $1,123 | $58,832 | $58,832 |
| 2010 | $667 | $65,429 | $65,429 |
| 2009 | $795 | $81,111 | $78,927 |
| 2008 | $778 | $100,542 | $78,848 |
| 2007 | $972 | $115,218 | $76,551 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-13 | Listed | $278,000 |
| 2010-07-23 | Sold | $40,101 |
| 2010-06-30 | Listed | $40,000 |
| 2008-11-08 | Listing removed | $100,000 |
| 2008-04-09 | Listed | $100,000 |
| 2002-08-19 | Sold | $95,500 |
| 2001-03-21 | Sold | $60,000 |
| 2000-02-04 | Sold | $50,000 |
| 1980-04-01 | Sold | $45,000 |
Photo Gallery
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"https://ap.rdcpix.com/f0ffcc6e964a27eed652c27143f6ce82l-m722456160s-w1280.jpg",
"https://ap.rdcpix.com/f0ffcc6e964a27eed652c27143f6ce82l-m325073278s-w1280.jpg",
"https://ap.rdcpix.com/f0ffcc6e964a27eed652c27143f6ce82l-m2049812593s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 106.33,
"monthly_cash_flow": 1576.35,
"property_tax_rate": 0.008199999999999999,
"_utility_allowance": {
"sources": [
"https://sarasotahousing.org/documents/section8/UtilityAllowancesManateeCounty2026.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property details list 'Ductless' heating, which is an electric system. The 'electric' option was chosen over 'electric_heat_pump'.",
"utility": "Heating (Electric)",
"allowance": 18
},
{
"note": "Property has an electric range. The 'electric' option was selected as the most appropriate fuel type.",
"utility": "Cooking (Electric)",
"allowance": 14
},
{
"note": "Property details explicitly list an 'Electric Water Heater'.",
"utility": "Water Heater (Electric)",
"allowance": 42
},
{
"note": "Property includes 'Wall/Window Unit(s)' for cooling.",
"utility": "Air Conditioning",
"allowance": 29
},
{
"note": "Standard allowance for lighting, outlets, and small appliances.",
"utility": "Other Electric",
"allowance": 50
},
{
"note": "Property is connected to public water, inferred from the public sewer connection.",
"utility": "Water",
"allowance": 47
},
{
"note": "Property details explicitly state 'Public Sewer'.",
"utility": "Sewer",
"allowance": 75
},
{
"note": "Standard assumed utility for a single-family residence.",
"utility": "Trash Collection",
"allowance": 21
},
{
"note": "The tenant pays for the electricity to run the refrigerator. This allowance covers that cost.",
"utility": "Refrigerator",
"allowance": 6
},
{
"note": "The tenant pays for the electricity to run the microwave. This allowance covers that cost.",
"utility": "Range / Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 55600.0,
"property_tax_annual": 2390.63,
"property_tax_monthly": 199.22,
"property_tax_increase": 0.03,
"utility_allowance_total": 308.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://sarasotahousing.org/documents/section8/PaymentStandardsAllCounty20260212.pdf",
"https://sarasotahousing.org/documents/section8/landlords/HCVnewsletterAugust2025.pdf"
],
"effective_date": "2026-04-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 1160.58,
"property_management_monthly": 209.1,
"monthly_cash_flow_after_debt": 96.71,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/2BA single‑family appears mostly rent‑ready with cosmetic updates and functioning appliances evident. Primary inspection risks are safety/egress and basic system verifications: a boarded/covered window (possible egress failure), at least one missing outlet cover (electrical hazard), and no visible smoke/CO detectors in photos. Major systems (HVAC, roof, plumbing) look intact from images but require on‑site verification (AC operation, water heater, electrical panel). With correction of the boarded window, installation/verification of required alarms, replacement of missing outlet covers and a quick service check of HVAC and water heater, the property would likely pass an initial HCV/NSPIRE inspection. Estimated time to pass after addressing visible items: 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears mostly updated with new-ish kitchen appliances (stove, microwave, dishwasher present) and renovated bathrooms. Flooring shows scuffs and wear in living areas and baseboard/trim has chips; some paint touch-ups needed. One window appears boarded/covered in living room photos (staged image) which is a repair/replace item. Minor items visible: missing outlet cover in a bedroom image and scuffed wood trim at kitchen base. These are mostly cosmetic or small fixes and would not require major rehab; they reduce score moderately."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No life‑threatening structural issues visible (no sagging, collapsed ceilings or standing water). However there are several safety/NSPIRE concerns apparent or not-verifiable from photos: at least one window appears boarded/covered which may fail bedroom egress requirements until replaced; at least one outlet cover is missing (electrical hazard); smoke detectors and carbon monoxide alarms are not visible in any photos (required and would need verification/installation); GFCI status in kitchen/baths cannot be confirmed. Because of the boarded window and visible electrical hazard, this is a moderate inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Central HVAC supply vents are visible indicating a forced-air system present, which supports operability but actual functional status is unverified. Roof appears intact from ground-level exterior photo with no visible sagging or major staining; no active leaks visible inside. Water heater, electrical panel and main service not shown in photos and must be verified. Plumbing fixtures (kitchen sink, bathroom fixtures) appear functional in photos. Overall, likely functional but several key system verifications (AC function, water heater, electrical panel, hot water) are pending, so score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, level yard and driveway look serviceable; property sits on dead-end street. Exterior walls and roofline show normal age-related wear and some discoloration/paint wear but no obvious foundation movement or major envelope failure from photos. Drainage, gutters/downspouts and potential termite/infestation evidence are not clearly visible and should be checked, but no immediate severe exterior hazards are visible."
}
],
"red_flags": [
"Boarded/covered living-room window — potential bedroom/egress failure (must be repaired/replaced before inspection).",
"Missing outlet cover (visible in bedroom photo) — exposed electrical hazard that must be corrected.",
"No visible smoke detectors or CO alarms in photos — required devices must be installed/verified.",
"Key systems not shown: water heater and main electrical panel not visible — require on-site verification."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operable (supply vents visible); full functional test not available in photos.",
"Kitchen appliances shown (stove, microwave, dishwasher, refrigerator) will be left with the unit and are operable; stove still has factory film indicating recent installation.",
"Boarded/covered window shown in some photos reflects an actual covered or damaged window and is not a virtual staging artifact.",
"Smoke detectors and CO alarms are not present (not visible in photos) and therefore must be considered absent until verified.",
"Electrical panel, water heater and plumbing shutoffs are present but not visible; their condition is unknown and assumed serviceable until inspected.",
"No recent rental history available (rental_history_last_5y missing) and therefore rental history not used in scoring.",
"Virtual staging is used in at least one photo (listing note); staged furnishings do not indicate system condition."
],
"overall_score": 65.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed/2-bath single-family appears mildly deferred but largely rent-ready with mostly cosmetic updates and functioning appliances visible. Main inspection risks are code items that are either not shown or small in the photos: missing outlet cover/electrical hazard, no visible smoke/CO detectors, and unverified GFCI protection and mechanical equipment. With installation of required detectors, covers, possible GFCI outlets, and verification/service of HVAC and water heater, the unit is likely to pass an initial Section 8/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears updated with recent finishes: renovated kitchen and bathrooms, functioning appliances present (stove, microwave, dishwasher, refrigerator). Flooring shows wear and scuffs on wood floors and tile transitions; some baseboard scuffs. Minor cosmetic touch-ups likely (paint, floor refinishing/spot replacement). One visible missing outlet cover (easy repair). Overall looks move-in-ready with mostly cosmetic deferred maintenance; missing or worn finishes rather than major structural damage."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (inspector will require appropriately located smoke detectors and CO if fuel-burning appliances present). One exposed electrical outlet without a cover is visible (electrical hazard). GFCI protection for kitchen & bathrooms is not clearly visible and likely absent in an older home — may require installation. Entry doors' deadbolt presence not confirmed in photos. Bedroom egress windows appear present in most rooms but one bedroom window looks small/high (needs field verification). No visible active leaks, severe mold, or structural ceiling/floor failure in photos. These are fixable but are inspection risks that need verification and minor repairs/installation."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 65.0,
"rationale": "Ceiling vents visible in living areas indicating central HVAC exists (no equipment photos to confirm condition or age). Kitchen appliances are present and appear new or recently replaced. Water heater, electrical panel, and HVAC equipment are not photographed — condition unknown. No signs of current roof leaks or interior water staining on ceilings in photos. Plumbing fixtures appear functional in bathrooms and kitchen. Recommend pre-inspection service/verification of HVAC operation, water heater, and electrical panel; likely service/verification-only rather than major replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior shows an intact roofline and painted masonry/siding; yard is open and level with no visible standing water or major drainage issues in photos. Driveway and front yard are serviceable; some exterior paint wear and minor staining noted but no visible foundation cracking or major envelope failure. Small flat-roofed addition/entry area visible that should be checked at roof penetrations/flashings during inspection, but no obvious active leaks or structural sagging are visible from provided images."
}
],
"red_flags": [
"Electrical hazards - visible missing outlet cover (exposed outlet)",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE requires properly located alarms)"
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational (ceiling vents visible); actual HVAC unit not photographed.",
"Water heater and electrical panel exist on site but were not photographed; assume serviceable unless proven otherwise.",
"No active roof leaks or interior water damage exist — interior ceilings show no staining in photos.",
"Smoke detectors and carbon monoxide detectors are not visible in photos and will need to be installed if not present.",
"Deadbolt on primary exterior door is not clearly visible in photos; assume it may need verification or installation prior to inspection.",
"GFCI protection in kitchen and bathrooms is not visible and may be missing; assume installation likely required.",
"Bedroom egress windows are assumed to meet minimum egress requirements but at least one bedroom window appears small and should be verified in-person."
],
"overall_score": 69.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Likely to pass an initial HCV/NSPIRE inspection after addressing a set of minor safety and cosmetic items. House appears structurally sound in photos, with updated kitchen and bath, intact exterior, and evidence of central HVAC vents. Primary pre-inspection actions: install/verify smoke and CO alarms, install/verify GFCI protection at required locations, replace missing outlet cover(s), confirm deadbolt on entry, and confirm HVAC, water heater, and electrical panel operation. Expect minor repairs and verification items; likely rent-ready within ~30 days after those items are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show mostly finished, recently painted walls, updated kitchen cabinetry and appliances (stove, microwave, dishwasher) and renovated bath tile. Visible wear includes scuffs/surface scratches on hardwood floors in living, some baseboard scuffs, and at least one missing outlet cover noted in a bedroom photo. No large areas of damaged drywall or exposed subfloor visible. Missing or cosmetic items (outlet cover, touch-up paint, refinishing of floors) are moderate, quick fixes. Presence of appliances mitigates score reduction — missing major appliances is not an issue here."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE-related)",
"score": 65.0,
"rationale": "No smoke detectors or CO alarms are visible in photos (required); GFCI outlets near kitchen sink are not clearly shown; one interior outlet cover is missing (electrical hazard until corrected). Bedroom windows appear to provide egress based on photos, but exact sizes/clearances not verified. Entry door hardware visible but deadbolt presence not confirmed. No obvious active water stains, mold, or collapsed ceilings seen. Overall there are some code-risk items that are typically quick to remediate (install detectors, install GFCI or verify existing, replace outlet cover), but they must be addressed before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 65.0,
"rationale": "Photos show central air supply/return vents (ceiling) indicating central HVAC likely present; condition and operation not documented in listing. Bathrooms and kitchen fixtures look intact and functional; water heater and electrical panel are not shown. Roof appears intact from ground-level exterior photo with no visible sagging or active leaks, but roof age and condition are unknown for a 1965 house and should be verified. No visible major plumbing failures or severe electrical hazards in photos, but missing/outlet cover and unverified GFCI and smoke/CO reduce score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior photos show a level lot with a large open lawn, driveway in place, and intact siding/block walls. No standing water or obvious drainage issues visible. Some exterior cosmetic staining/discoloration on the front block and modest landscaping needed. Yard and walkways appear safe and usable. No visible foundation cracks, major roof failure, or collapsed elements in provided exterior images."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (required for pass).",
"Missing outlet cover / exposed electrical receptacle in at least one interior photo (electrical hazard until corrected).",
"GFCI protection near kitchen/bath outlets not clearly evident — must be verified/installed."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists and is operational (supply/return vents visible in ceilings); operation not verified in photos.",
"Kitchen appliances shown (stove, microwave, dishwasher, refrigerator) are present and functional; listing photos imply appliance presence.",
"No active roof leaks or major foundation movement are present because no stains, sagging, or cracking visible in provided photos; roof condition beyond visible surface not verified.",
"Bedroom windows provide adequate egress based on visible size, but exact sill heights and net clear opening not measured.",
"Deadbolt presence on exterior door is not visible; assume may be missing and should be confirmed/installed.",
"No visible severe mold, pest infestation, or active water intrusion in photos; hidden issues could exist but none obvious.",
"Rental history is missing and therefore excluded from overall score calculation per instructions."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5323 22nd St W, Bradenton, FL, 34207",
"aggregate": {
"summary": "Overall this 3BR/2BA single‑family appears mostly rent‑ready with cosmetic updates and functioning appliances evident. Primary inspection risks are safety/egress and basic system verifications: a boarded/covered window (possible egress failure), at least one missing outlet cover (electrical hazard), and no visible smoke/CO detectors in photos. Major systems (HVAC, roof, plumbing) look intact from images but require on‑site verification (AC operation, water heater, electrical panel). With correction of the boarded window, installation/verification of required alarms, replacement of missing outlet covers and a quick service check of HVAC and water heater, the property would likely pass an initial HCV/NSPIRE inspection. Estimated time to pass after addressing visible items: 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Interior appears mostly updated with new-ish kitchen appliances (stove, microwave, dishwasher present) and renovated bathrooms. Flooring shows scuffs and wear in living areas and baseboard/trim has chips; some paint touch-ups needed. One window appears boarded/covered in living room photos (staged image) which is a repair/replace item. Minor items visible: missing outlet cover in a bedroom image and scuffed wood trim at kitchen base. These are mostly cosmetic or small fixes and would not require major rehab; they reduce score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Large, level yard and driveway look serviceable; property sits on dead-end street. Exterior walls and roofline show normal age-related wear and some discoloration/paint wear but no obvious foundation movement or major envelope failure from photos. Drainage, gutters/downspouts and potential termite/infestation evidence are not clearly visible and should be checked, but no immediate severe exterior hazards are visible."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No life‑threatening structural issues visible (no sagging, collapsed ceilings or standing water). However there are several safety/NSPIRE concerns apparent or not-verifiable from photos: at least one window appears boarded/covered which may fail bedroom egress requirements until replaced; at least one outlet cover is missing (electrical hazard); smoke detectors and carbon monoxide alarms are not visible in any photos (required and would need verification/installation); GFCI status in kitchen/baths cannot be confirmed. Because of the boarded window and visible electrical hazard, this is a moderate inspection risk until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Central HVAC supply vents are visible indicating a forced-air system present, which supports operability but actual functional status is unverified. Roof appears intact from ground-level exterior photo with no visible sagging or major staining; no active leaks visible inside. Water heater, electrical panel and main service not shown in photos and must be verified. Plumbing fixtures (kitchen sink, bathroom fixtures) appear functional in photos. Overall, likely functional but several key system verifications (AC function, water heater, electrical panel, hot water) are pending, so score is moderate."
}
],
"red_flags": [
"Boarded/covered living-room window — potential bedroom/egress failure (must be repaired/replaced before inspection).",
"Missing outlet cover (visible in bedroom photo) — exposed electrical hazard that must be corrected.",
"No visible smoke detectors or CO alarms in photos — required devices must be installed/verified.",
"Key systems not shown: water heater and main electrical panel not visible — require on-site verification."
],
"confidence": 0.89,
"assumptions": [
"Central HVAC is present and operable (supply vents visible); full functional test not available in photos.",
"Kitchen appliances shown (stove, microwave, dishwasher, refrigerator) will be left with the unit and are operable; stove still has factory film indicating recent installation.",
"Boarded/covered window shown in some photos reflects an actual covered or damaged window and is not a virtual staging artifact.",
"Smoke detectors and CO alarms are not present (not visible in photos) and therefore must be considered absent until verified.",
"Electrical panel, water heater and plumbing shutoffs are present but not visible; their condition is unknown and assumed serviceable until inspected.",
"No recent rental history available (rental_history_last_5y missing) and therefore rental history not used in scoring.",
"Virtual staging is used in at least one photo (listing note); staged furnishings do not indicate system condition."
],
"score_method": "mean_of_criteria",
"overall_score": 67.9,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6443811719"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.