Property ID: 6532488733
4714 NW 44th St, Tamarac, FL, 33319
Tamarac, FL
Money Down: $69,576
CoC Return: 3.15%
Monthly Cash Flow: $182
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$57,980
Closing Costs
$11,596
Total Down
$69,576
Investment Snapshot
Purchase Price
$289,900
Money Down
$69,576
Cash-on-Cash Return
3.15%
Rent
$2,451
Monthly Cash Flow
$182
Annual Cash Flow
$2,189
Debt Service / Mo
$1,543
Property Tax / Mo
$418
Insurance / Mo
$63
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,451
Payment Standard
$2,640
Rent
$2,451
Insurance
$63
Property Tax
$418
Management
$245
Utilities Allowance
$189
NOI (Monthly)
$1,725
Debt Service
$1,543
Cash Flow After Debt
$182
Quality Score: 83.60%
Confidence: 95.00%
This 2BR/1BA single-family home presents as well-maintained and likely to pass an initial HCV/NSPIRE inspection with minimal repairs. Interior finishes, appliances, and exterior envelope appear in good condition and recent system replacements (AC, water heater) are stated. The most likely inspection issues are code items that can be fixed quickly on-site: additional smoke/CO detectors in required locations and GFCI protection at kitchen/bath outlets if missing. No visible structural, roof, or major mechanical failures were observed.
Section 8 Payment Standard
$2,640
Utility Allowance Total
$189
Guaranteed Section 8 Rent (PS - Utilities)
$2,451
Property Management
$245
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$289,900
Beds
2
Baths
1
Living Area
806 sqft
Lot Size
—
Year Built
1969
Days on Market
97
Capital Outlay
$69,576
Debt Service
$1,543
Property Tax / Mo
$418
Insurance / Mo
$63
Property Description
Updated and very well maintained 2br 1 bath with a garage. Impact windows, new AC and water heater. Large covered back patio. Low HOA fee covers lawn maintenance and sprinklers with a community pool and clubhouse. Close to Mainlands Park with it's scenic, mile long walking, biking & jogging path. 55+ community.
Utility Allowances
Air Conditioning
$25
Property has electric central air conditioning. Using the fixed allowance for a 2BR unit.
Cooking
$11
Property is equipped with an electric range. Selected the 'electric' fuel option for a 2BR unit.
Heating
$4
Property is equipped with electric central heating. Selected the 'electric' fuel option for a 2BR unit.
Natural Gas Base Charge
$0
The property's appliances are electric; no natural gas service is required.
Other Electric
$32
General electricity for lighting and small appliances. Using the fixed allowance for a 2BR unit.
Range/Microwave
$0
A microwave is provided with the unit, so there is no tenant utility cost.
Refrigerator
$0
A refrigerator is provided with the unit, so there is no tenant utility cost.
Sewer
$38
Property is connected to the public sewer system. Using the fixed allowance for a 2BR unit.
Trash Collection
$25
Standard municipal service for a single-family home, assumed to be the tenant's responsibility. Using the fixed allowance for a 2BR unit.
Water
$32
Property is connected to the public water supply. Using the fixed allowance for a 2BR unit.
Water Heating
$22
Property is equipped with an electric water heater. Selected the 'electric' fuel option for a 2BR unit.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2025
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$754
DP3 Annual Estimate$754
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$63
Replacement Value$218,990
Basis806 sqft / 1969
Nearby Houses
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4999 NW 43rd Ct
sold · 0.02 mi
Price: $313,000
2 bd / 2 ba · 1,086 sqft
Latest sale: $313,000
Latest rent: —
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4983 NW 43rd Ct
sold · 0.02 mi
Price: $247,300
2 bd / 2 ba · 1,284 sqft
Latest sale: $247,300
Latest rent: —
Photo unavailable
4717 NW 44th St
sold · 0.02 mi
Price: $270,000
2 bd / 2 ba · 1,122 sqft
Latest sale: $270,000
Latest rent: —
Photo unavailable
4721 NW 44th St
sold · 0.04 mi
Price: $279,000
2 bd / 1 ba · 1,268 sqft
Latest sale: $279,000
Latest rent: —
Photo unavailable
4723 NW 44th St
sold · 0.05 mi
Price: $295,000
2 bd / 2 ba · 1,579 sqft
Latest sale: $295,000
Latest rent: —
Photo unavailable
4705 NW 44th St
sold · 0.05 mi
Price: $335,000
2 bd / 2 ba · 1,382 sqft
Latest sale: $335,000
Latest rent: —
Photo unavailable
5065 NW 43rd Ct
sold · 0.05 mi
Price: $360,000
2 bd / 2 ba · 1,365 sqft
Latest sale: $360,000
Latest rent: —
Photo unavailable
5065 NW 43rd Ct
sold · 0.05 mi
Price: $360,000
2 bd / 2 ba · 1,365 sqft
Latest sale: $360,000
Latest rent: —
Photo unavailable
4715 NW 44th Ct
sold · 0.05 mi
Price: $310,000
2 bd / 1 ba · 1,201 sqft
Latest sale: $310,000
Latest rent: —
Photo unavailable
5051 43rd
sold · 0.06 mi
Price: $247,000
2 bd / 2 ba · 1,405 sqft
Latest sale: $247,000
Latest rent: —
Photo unavailable
4401 NW 48th Ave
sold · 0.06 mi
Price: $305,000
2 bd / 2 ba · 1,377 sqft
Latest sale: $305,000
Latest rent: —
Photo unavailable
4403 NW 48th Ave
sold · 0.06 mi
Price: $360,000
2 bd / 3 ba · 1,121 sqft
Latest sale: $360,000
Latest rent: —
Photo unavailable
4405 NW 48th Ave
sold · 0.07 mi
Price: $309,900
2 bd / 2 ba · 1,318 sqft
Latest sale: $309,900
Latest rent: —
Photo unavailable
4701 NW 44th St
for_sale · 0.07 mi
Price: $375,000
2 bd / 2 ba · 1,579 sqft
Latest sale: $285,000
Latest rent: —
Photo unavailable
4700 NW 44th Ct
sold · 0.08 mi
Price: $305,000
2 bd / 2 ba
Latest sale: $305,000
Latest rent: —
Photo unavailable
4705 NW 44th Ct
for_sale · 0.08 mi
Price: $260,000
2 bd / 1 ba · 1,102 sqft
Latest sale: $285,000 on Apr 18, 2024
Latest rent: —
Photo unavailable
4900 NW 43rd Ct
sold · 0.08 mi
Price: $337,000
2 bd / 2 ba · 1,372 sqft
Latest sale: $337,000
Latest rent: —
Photo unavailable
4299 NW 50th Ter
sold · 0.08 mi
Price: $355,000
2 bd / 2 ba · 1,843 sqft
Latest sale: $355,000
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No carbon monoxide alarm visibly present (attached garage noted) — CO alarm absence can cause inspection issues.
- GFCI protection at kitchen counters/bath not visibly confirmed — missing GFCI can fail inspection.
- Smoke detector placement in/near bedrooms not verifiable from photos — inadequate placement could fail inspection.
Assumptions
- Listing claim of new AC and new water heater is accurate and both systems are operational.
- Appliances shown (refrigerator and range) are functional; washer/dryer not required for inspection and may not be provided.
- Impact windows noted in listing are intact and operational; glazing and locks are functional.
- No concealed plumbing leaks, major electrical hazards, or active mold infestations exist beyond what is visible in photos.
- Smoke detector visible is operational; additional detectors/CO alarms may exist but were not visible in provided photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $4,866 | $232,800 | $174,330 |
| 2024 | $4,719 | $232,800 | $174,330 |
| 2023 | $4,642 | $224,350 | $164,490 |
| 2022 | $4,408 | $191,450 | $159,700 |
| 2021 | $4,332 | $155,050 | $155,050 |
| 2020 | $4,451 | $166,410 | $160,720 |
| 2019 | $3,115 | $151,560 | $151,560 |
| 2018 | $2,641 | $112,250 | $78,470 |
| 2017 | $2,507 | $104,970 | $104,970 |
| 2016 | $2,448 | $103,810 | $103,810 |
| 2015 | $2,284 | $98,860 | $58,970 |
| 2014 | $2,038 | $73,760 | $53,610 |
| 2013 | $1,784 | $48,740 | $48,740 |
| 2012 | $1,731 | $51,360 | $51,360 |
| 2011 | $1,555 | $57,180 | $57,180 |
| 2010 | $1,564 | $60,200 | $60,200 |
| 2008 | $2,646 | $87,570 | $87,570 |
| 2007 | $3,314 | $153,370 | $153,370 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-11 | Listed | $289,900 |
| 2026-03-05 | Relisted | $289,900 |
| 2026-02-05 | Listing removed | $289,900 |
| 2025-12-29 | Price Changed | $289,900 |
| 2025-11-01 | Price Changed | $294,900 |
| 2025-07-10 | Price Changed | $299,900 |
| 2025-06-03 | Price Changed | $319,900 |
| 2025-04-19 | Listed | $324,900 |
| 1998-07-07 | Sold | $45,000 |
Photo Gallery
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"land": null,
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}
},
{
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"total": 60200,
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"assessment": {
"land": null,
"total": 60200,
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}
},
{
"tax": 2646,
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"market": {
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"total": 87570,
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"assessment": {
"land": null,
"total": 87570,
"building": null
}
},
{
"tax": 3314,
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"total": 153370,
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"assessment": {
"land": null,
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}
}
],
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{
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{
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{
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}
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"sources": [
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],
"effective_date": "2025-01-01"
},
"utility_allowances": [
{
"note": "Property has electric central air conditioning. Using the fixed allowance for a 2BR unit.",
"utility": "Air Conditioning",
"allowance": 25
},
{
"note": "Property is equipped with an electric range. Selected the 'electric' fuel option for a 2BR unit.",
"utility": "Cooking",
"allowance": 11
},
{
"note": "Property is equipped with electric central heating. Selected the 'electric' fuel option for a 2BR unit.",
"utility": "Heating",
"allowance": 4
},
{
"note": "The property's appliances are electric; no natural gas service is required.",
"utility": "Natural Gas Base Charge",
"allowance": 0
},
{
"note": "General electricity for lighting and small appliances. Using the fixed allowance for a 2BR unit.",
"utility": "Other Electric",
"allowance": 32
},
{
"note": "A microwave is provided with the unit, so there is no tenant utility cost.",
"utility": "Range/Microwave",
"allowance": 0
},
{
"note": "A refrigerator is provided with the unit, so there is no tenant utility cost.",
"utility": "Refrigerator",
"allowance": 0
},
{
"note": "Property is connected to the public sewer system. Using the fixed allowance for a 2BR unit.",
"utility": "Sewer",
"allowance": 38
},
{
"note": "Standard municipal service for a single-family home, assumed to be the tenant's responsibility. Using the fixed allowance for a 2BR unit.",
"utility": "Trash Collection",
"allowance": 25
},
{
"note": "Property is connected to the public water supply. Using the fixed allowance for a 2BR unit.",
"utility": "Water",
"allowance": 32
},
{
"note": "Property is equipped with an electric water heater. Selected the 'electric' fuel option for a 2BR unit.",
"utility": "Water Heating",
"allowance": 22
}
],
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"down_payment_amount": 57980.0,
"property_tax_annual": 5011.98,
"property_tax_monthly": 417.67,
"property_tax_increase": 0.03,
"utility_allowance_total": 189.0,
"property_management_rate": 0.1,
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},
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"property_management_monthly": 245.1,
"monthly_cash_flow_after_debt": 182.43,
"cash_on_cash_return_after_debt": 0.04
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"section8_assessment": {
"runs": [
{
"summary": "This 2BR/1BA single-family home presents as well-maintained and likely to pass an initial HCV/NSPIRE inspection with minimal repairs. Interior finishes, appliances, and exterior envelope appear in good condition and recent system replacements (AC, water heater) are stated. The most likely inspection issues are code items that can be fixed quickly on-site: additional smoke/CO detectors in required locations and GFCI protection at kitchen/bath outlets if missing. No visible structural, roof, or major mechanical failures were observed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 86.0,
"rationale": "Photos and listing show a well-maintained, recently updated interior: fresh paint, intact walls, laminate and tile flooring in good condition, functioning ceiling fans, kitchen cabinets and counters in good shape, refrigerator and range present. Exterior shows tidy landscaping and intact siding/brick. No visible water stains, peeling paint, or damaged flooring. Missing appliance risk is low (both fridge and stove visible). Most issues would be cosmetic or small repairs (touch-up paint, threshold/trim adjustments)."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 78.0,
"rationale": "Visible smoke detector in main living area. Entry door appears secure with modern lock. No exposed wiring, loose handrails, visible mold, or active water intrusion in photos. Bedrooms show egress windows. Potential NSPIRE concerns: no carbon monoxide alarm is visible (garage attached), and GFCI protection at kitchen counters is not visibly confirmed. Smoke detector placement in bedrooms/outside sleeping areas is not clearly shown. These are likely fixable quickly (install CO alarm, add GFCI outlet/protection, add/relocate smoke detectors), but they are common inspection items that could cause a conditional fail if absent."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 82.0,
"rationale": "Listing states new AC and new water heater; ceiling vents and registers visible that indicate central HVAC. Kitchen appliances present and appear operational. Roof appears intact with no visible sagging or active leaks. Electrical panel and water heater location/condition are not shown; plumbing and hot water operation not verifiable from photos. Given visible condition and listing claims, major systems appear recently serviced and functional, but final verification of electrical panel, water heater installation, and HVAC operation would be required."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 88.0,
"rationale": "Exterior shows a clean, even driveway and walkway, maintained lawn (HOA-maintained), intact garage and front door, and what listing calls impact windows. No visible foundation cracks, standing water, or roof failure from photos. Landscaping and curb appeal are good. The covered back patio is noted in listing (visible through kitchen window) and appears serviceable. Minor exterior maintenance (trim/caulking) might be needed but nothing significant is evident."
}
],
"red_flags": [
"No carbon monoxide alarm visibly present (attached garage noted) — CO alarm absence can cause inspection issues.",
"GFCI protection at kitchen counters/bath not visibly confirmed — missing GFCI can fail inspection.",
"Smoke detector placement in/near bedrooms not verifiable from photos — inadequate placement could fail inspection."
],
"confidence": 0.7,
"assumptions": [
"Listing claim of new AC and new water heater is accurate and both systems are operational.",
"Appliances shown (refrigerator and range) are functional; washer/dryer not required for inspection and may not be provided.",
"Impact windows noted in listing are intact and operational; glazing and locks are functional.",
"No concealed plumbing leaks, major electrical hazards, or active mold infestations exist beyond what is visible in photos.",
"Smoke detector visible is operational; additional detectors/CO alarms may exist but were not visible in provided photos."
],
"overall_score": 83.0,
"rubric_version": "2026-03-hud-nspire-v1"
},
{
"summary": "Overall the property appears turnkey and likely to pass an initial Housing Choice Voucher (Section 8/NSPIRE) inspection with minimal work. Interior and exterior photos show good cosmetic condition, functioning appliances, impact windows, and evidence of recent mechanical upgrades (listing states new AC and water heater). Key items that should be verified or installed (if missing) prior to inspection: CO alarm (if required by local code or if gas appliances present), GFCI protection in kitchen/bath areas, and verification of electrical panel labeling/condition. No visible major structural, roof, or life‑threatening hazards were observed in provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Property appears well maintained and recently updated. Interior photos show fresh paint, intact drywall, new-ish laminate and tile floors, functioning ceiling fans and light fixtures, and kitchen cabinets/countertops in good condition. Appliances (refrigerator and range) are present in photos. Exterior shows intact siding/brickwork and a sound driveway. No visible cosmetic deferred maintenance beyond minor baseboard scuffs and standard wear. Missing items: bathroom photos not provided but listing states 1 bath. Overall looks turnkey with only minor cosmetic/finish items likely needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 80.0,
"rationale": "Visible safety items are favorable: smoke detector present on ceiling in living area, windows appear intact (listing states impact windows), entry door appears secure, no exposed wiring visible, and no visible water stains or mold in photos. French doors and bedroom windows visible for egress. Carbon monoxide detector is not visible in photos (may not be required if no gas appliances); GFCI outlets near sink are not clearly visible in photos. Electrical panel is not shown. Working plumbing and hot water are asserted by listing (new water heater) but cannot be fully verified visually. Because several required items (CO detection/GFCI/electrical panel) are not visible, a small risk remains but no immediate life‑threatening hazards are observed."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 80.0,
"rationale": "Listing states new AC and new water heater; ceiling vents and thermostat are visible which supports functional HVAC. Kitchen plumbing and fixtures appear in good order; range and refrigerator are present. Roof shingles appear intact from the provided exterior photo with no visible sagging or leaks. Electrical service/panel and water heater location/installation are not shown so final verification needed. Overall likely good but missing direct photos of mechanical room/panel reduces score slightly."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show a clean, level driveway, maintained lawn (HOA covers lawn), intact roofline, garage door, and covered back patio visible from kitchen window. Landscaping is trimmed with no visible drainage pooling near foundation. No obvious foundation cracks, sagging, standing water, or evidence of infestation in the images. Impact windows stated in listing increase durability in this market. Overall exterior/site condition appears good and well maintained."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement that AC and water heater are new is accurate and systems are operational.",
"No gas furnace or gas cooking appliance is present (photos show electric range); if gas exists, CO detector may be required.",
"Electrical panel, circuit labeling, and condition are serviceable though not shown in photos.",
"Bathroom(s) function normally and have working plumbing and hot water (bathroom photos not provided).",
"Windows shown meet bedroom egress requirements (sizes appear adequate in photos).",
"No hidden roof leaks, major mold, or concealed structural issues exist since no visual evidence of these was present; such issues cannot be ruled out without interior attic/ceiling and exterior close-up inspection."
],
"overall_score": 83.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "This 2BR/1BA single-family home appears largely turnkey for Section 8 / HCV tenancy. Photos and listing show a well-maintained interior and exterior, impact windows, new AC and water heater (per listing), working kitchen appliances, and tidy grounds. The most important NSPIRE-related unknowns from photos are GFCI protection in kitchen/bath, carbon monoxide detector presence (if required), and the electrical panel condition/location. These unverified items lower the safety rating slightly but do not indicate visible failures. Overall likelihood of passing an initial HCV inspection is high with minimal, quick fixes if the unverified items are addressed or confirmed prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Interior and exterior photos show a recently refreshed unit: clean paint, intact cabinetry, new-looking laminate and tile flooring, functioning ceiling fans and light fixtures, intact windows and doors, and installed appliances (refrigerator and electric range visible). No obvious cosmetic deferred maintenance or damage visible. Missing appliance risk is low because stove and fridge are present. Minor finish work (trim touch-up, small scuff repair) may be needed but nothing that would prevent rental."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 78.0,
"rationale": "No active life-threatening hazards visible: no water stains, mold, collapsed ceilings, or exposed wiring. A smoke detector device is visible in one interior photo. Entry door appears secure and there is a lockset (possible deadbolt). Bedroom windows appear to provide egress-sized openings but exact clear opening dimensions cannot be confirmed from photos. GFCI protection for kitchen/bath outlets and presence of carbon monoxide alarm (if required) cannot be verified from images. Electrical panel location and condition not shown. Because several NSPIRE-required items are unverified (GFCI, CO, exact egress dimensions, panel), a modest reduction is applied despite the generally clean, safe appearance."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 84.0,
"rationale": "Listing states new AC and new water heater; ceiling HVAC vents are visible and appear intact. Kitchen plumbing fixtures (double sink, faucet) appear functional with no visible leaks. Roof shingles and gutters visible from front appear in reasonable condition with no sagging or visible active leaks. Electrical system condition and panel not shown; stove appears to be electric. Given visible new HVAC/water heater and no signs of system distress, systems score is strong but reduced slightly because panel and water heater fuel type cannot be independently confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 90.0,
"rationale": "Exterior brick/façade, driveway, and landscaping are tidy and well-maintained. Driveway is even; front steps/entry are level with no visible trip hazards. Foundation looks level at the visible perimeter and there are no visible significant cracks or settlement. The property is in an HOA that maintains lawn/sprinklers (listing stated), lowering site maintenance risk. No visible pest infestation or standing water observed in the photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that AC and water heater are new is accurate and units are operational.",
"Stove shown is electric and kitchen does not have visible gas appliances (no gas hazards observed).",
"Smoke detector observed in photos is functional; additional smoke detectors may be present but not shown.",
"Bedroom windows provide code-compliant egress openings (sill heights and clear opening sizes not measured in photos).",
"No active roof leaks or significant hidden water intrusion beyond what is visible in photos.",
"Electrical panel and circuit integrity are serviceable though not visible in photos.",
"No severe mold, pest infestation, or concealed structural damage exists beyond visible surfaces; photos show clean surfaces.",
"HOA-maintained exterior reduces exterior upkeep risk as stated in listing."
],
"overall_score": 85.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4714 NW 44th St, Tamarac, FL, 33319",
"aggregate": {
"summary": "This 2BR/1BA single-family home presents as well-maintained and likely to pass an initial HCV/NSPIRE inspection with minimal repairs. Interior finishes, appliances, and exterior envelope appear in good condition and recent system replacements (AC, water heater) are stated. The most likely inspection issues are code items that can be fixed quickly on-site: additional smoke/CO detectors in required locations and GFCI protection at kitchen/bath outlets if missing. No visible structural, roof, or major mechanical failures were observed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 86.3,
"rationale": "Photos and listing show a well-maintained, recently updated interior: fresh paint, intact walls, laminate and tile flooring in good condition, functioning ceiling fans, kitchen cabinets and counters in good shape, refrigerator and range present. Exterior shows tidy landscaping and intact siding/brick. No visible water stains, peeling paint, or damaged flooring. Missing appliance risk is low (both fridge and stove visible). Most issues would be cosmetic or small repairs (touch-up paint, threshold/trim adjustments)."
},
{
"key": "exterior_site",
"label": "Exterior / Site Condition",
"score": 87.7,
"rationale": "Exterior shows a clean, even driveway and walkway, maintained lawn (HOA-maintained), intact garage and front door, and what listing calls impact windows. No visible foundation cracks, standing water, or roof failure from photos. Landscaping and curb appeal are good. The covered back patio is noted in listing (visible through kitchen window) and appears serviceable. Minor exterior maintenance (trim/caulking) might be needed but nothing significant is evident."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 78.7,
"rationale": "Visible smoke detector in main living area. Entry door appears secure with modern lock. No exposed wiring, loose handrails, visible mold, or active water intrusion in photos. Bedrooms show egress windows. Potential NSPIRE concerns: no carbon monoxide alarm is visible (garage attached), and GFCI protection at kitchen counters is not visibly confirmed. Smoke detector placement in bedrooms/outside sleeping areas is not clearly shown. These are likely fixable quickly (install CO alarm, add GFCI outlet/protection, add/relocate smoke detectors), but they are common inspection items that could cause a conditional fail if absent."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 82.0,
"rationale": "Listing states new AC and new water heater; ceiling vents and registers visible that indicate central HVAC. Kitchen appliances present and appear operational. Roof appears intact with no visible sagging or active leaks. Electrical panel and water heater location/condition are not shown; plumbing and hot water operation not verifiable from photos. Given visible condition and listing claims, major systems appear recently serviced and functional, but final verification of electrical panel, water heater installation, and HVAC operation would be required."
}
],
"red_flags": [
"No carbon monoxide alarm visibly present (attached garage noted) — CO alarm absence can cause inspection issues.",
"GFCI protection at kitchen counters/bath not visibly confirmed — missing GFCI can fail inspection.",
"Smoke detector placement in/near bedrooms not verifiable from photos — inadequate placement could fail inspection."
],
"confidence": 0.95,
"assumptions": [
"Listing claim of new AC and new water heater is accurate and both systems are operational.",
"Appliances shown (refrigerator and range) are functional; washer/dryer not required for inspection and may not be provided.",
"Impact windows noted in listing are intact and operational; glazing and locks are functional.",
"No concealed plumbing leaks, major electrical hazards, or active mold infestations exist beyond what is visible in photos.",
"Smoke detector visible is operational; additional detectors/CO alarms may exist but were not visible in provided photos."
],
"score_method": "mean_of_criteria",
"overall_score": 83.6,
"rubric_version": "2026-03-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6532488733"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.