Property ID: 6574316347
3774 Mil Stream Ct, Greenacres, FL, 33463
Greenacres, FL
Money Down: $71,976
CoC Return: -0.72%
Monthly Cash Flow: $-43
Est. Final ARV: $324,808
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,980
Closing Costs
$11,996
Total Down
$71,976
Investment Snapshot
Purchase Price
$299,900
Money Down
$71,976
Cash-on-Cash Return
-0.72%
Rent
$2,317
Monthly Cash Flow
$-43
Annual Cash Flow
$-516
Debt Service / Mo
$1,596
Property Tax / Mo
$437
Insurance / Mo
$95
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,317
Payment Standard
$2,600
Rent
$2,317
Insurance
$95
Property Tax
$437
Management
$232
Utilities Allowance
$283
NOI (Monthly)
$1,553
Debt Service
$1,596
Cash Flow After Debt
$-43
Quality Score: 55.80%
Confidence: 91.00%
Moderate inspection risk. Property shows livable systems and functioning kitchen appliances but has multiple cosmetic and safety deficiencies (boarded/covered bedroom access, no visible smoke/CO detectors, ceiling staining, visible extension cords) that will likely cause an initial Housing Choice Voucher/NSPIRE inspection to fail without corrective work. Expect 30–60 days of repairs (paint/patch/replace ceiling panels, restore/repair egress, install detectors, address any electrical/GFCI needs, verify HVAC/plumbing) to reach passable condition.
Section 8 Payment Standard
$2,600
Utility Allowance Total
$283
Guaranteed Section 8 Rent (PS - Utilities)
$2,317
Property Management
$232
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$299,900
Beds
3
Baths
2
Living Area
1,225 sqft
Lot Size
—
Year Built
1981
Days on Market
97
Capital Outlay
$71,976
Debt Service
$1,596
Property Tax / Mo
$437
Insurance / Mo
$95
Property Description
Great opportunity to own a villa in Greenacres! This 3 bedroom, 2 bath open concept villa has tile throughout and is ready for a new owner to make it their own! Low HOA dues make this even more desirable! Currently rented on a month to month basis. Come and see it today!
Utility Allowances
Electricity (A/C)
$64
Selected based on the property having electric central air conditioning, using the '3br' value from the 'Electricity (A/C)' schedule line.
Electricity (L&A,H,WH,C)
$97
Selected as property details specify electric heating, an electric water heater, and an electric range. This allowance covers lighting, appliances, heating, water heating, and cooking for a 3-bedroom unit.
Sewer (Lake Worth)
$67
The property has public sewer. The 'Lake Worth' schedule was chosen because the property's city is Greenacres, which is geographically and contextually closer to Lake Worth than Boynton Beach. The 3-bedroom rate was used.
Water (Lake Worth)
$55
The property uses public water. The 'Lake Worth' schedule was chosen because the property's city is Greenacres, which is geographically and contextually closer to Lake Worth. The 3-bedroom rate was used.
Trash (Boynton)
$0
Property details indicate that trash removal is included in the HOA fees. Therefore, the direct utility allowance for the tenant is $0.
Source References
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,145
DP3 Annual Estimate$1,145
DP1 Monthly Equivalent$95
DP3 Monthly Equivalent$95
Replacement Value$265,147
Basis1,225 sqft / 1981
Nearby Houses
Photo unavailable
3770 Mil Stream Ct
off_market · 0.01 mi
Price: $2,350
3 bd / 2 ba · 1,102 sqft
Latest sale: $240,000 on Oct 22, 2024
Latest rent: $2,495 on Oct 29, 2024
Photo unavailable
3768 Mil Stream Ct
sold · 0.02 mi
Price: $166,000
2 bd / 2 ba · 1,102 sqft
Latest sale: $166,000 on Jun 19, 2018
Latest rent: $1,450 on May 19, 2019
Photo unavailable
3795 Mil Stream Ct
sold · 0.03 mi
Price: $242,500
3 bd / 2 ba · 1,225 sqft
Latest sale: $242,500
Latest rent: —
Photo unavailable
3785 Mil Stream Ct
sold · 0.04 mi
Price: $212,000
2 bd / 2 ba · 1,102 sqft
Latest sale: $212,000
Latest rent: —
Photo unavailable
3789 Mil Stream Ct
sold · 0.05 mi
Price: $297,000
3 bd / 2 ba · 1,102 sqft
Latest sale: $297,000
Latest rent: —
Photo unavailable
3782 Mil Pond Ct
sold · 0.07 mi
Price: $160,000
3 bd / 2 ba · 1,225 sqft
Latest sale: $160,000
Latest rent: —
Photo unavailable
3763 Mil Stream Ct
sold · 0.07 mi
Price: $295,000
2 bd / 2 ba · 1,102 sqft
Latest sale: $295,000
Latest rent: —
Photo unavailable
3752 Mil Stream Ct
sold · 0.07 mi
Price: $317,500
3 bd / 2 ba · 1,225 sqft
Latest sale: $317,500
Latest rent: —
Photo unavailable
3764 Mil Pond Ct
sold · 0.08 mi
Price: $300,000
3 bd / 2 ba · 1,225 sqft
Latest sale: $300,000
Latest rent: —
Photo unavailable
3750 Mil Stream Ct
sold · 0.08 mi
Price: $325,000
3 bd / 2 ba · 1,225 sqft
Latest sale: $325,000 on Apr 12, 2024
Latest rent: —
Photo unavailable
3755 Mil Stream Ct
sold · 0.08 mi
Price: $295,000
2 bd / 3 ba · 1,445 sqft
Latest sale: $295,000 on Dec 01, 2025
Latest rent: —
Photo unavailable
3766 Mil Pond Ct
sold · 0.09 mi
Price: $300,000
3 bd / 2 ba · 1,102 sqft
Latest sale: $300,000 on Nov 02, 2023
Latest rent: —
Photo unavailable
3760 Mil Pond Ct
sold · 0.09 mi
Price: $76,500
3 bd / 2 ba · 1,225 sqft
Latest sale: $76,500 on Feb 26, 2016
Latest rent: —
Photo unavailable
3758 Mil Pond Ct Unit 3758
sold · 0.10 mi
Price: $177,000
3 bd / 2 ba · 1,225 sqft
Latest sale: $177,000 on Jul 30, 2019
Latest rent: —
Photo unavailable
3750 Mil Pond Ct Unit 3750
sold · 0.12 mi
Price: $299,950
2 bd / 2 ba · 1,183 sqft
Latest sale: $299,950
Latest rent: —
Properties Used for Comps
Photo unavailable
3740 Mil Lake Cir, Greenacres, FL, 33463
sold
Price: $313,000
Rent: —
3 bd / 2 ba · 1,176 sqft
Sale Date: Jun 03, 2025
Distance: 0.15 mi
View listing
Photo unavailable
3779 Mil Pond Ct, Greenacres, FL, 33463
sold
Price: $333,000
Rent: —
3 bd / 2 ba · 1,225 sqft
Sale Date: Sep 19, 2025
Distance: 0.11 mi
View listing
Photo unavailable
3751 Mil Pond Ct, Greenacres, FL, 33463
sold
Price: $322,500
Rent: —
3 bd / 2 ba · 1,225 sqft
Sale Date: Jan 31, 2025
Distance: 0.13 mi
View listing
Photo unavailable
3752 Mil Stream Ct, Greenacres, FL, 33463
sold
Price: $317,500
Rent: —
3 bd / 2 ba · 1,225 sqft
Sale Date: May 14, 2024
Distance: 0.07 mi
View listing
Photo unavailable
3750 Mil Stream Ct, Greenacres, FL, 33463
sold
Price: $325,000
Rent: —
3 bd / 2 ba · 1,225 sqft
Sale Date: Apr 12, 2024
Distance: 0.08 mi
View listing
Risk and Criteria Detail
Red Flags
- success
- Boarded/plywood covering a bedroom doorway or exterior access (egress hazard).
- No visible smoke detectors or CO alarms in provided photos.
- Ceiling staining/discolored ceiling panels suggesting past or active water intrusion.
- Potential electrical hazards: visible extension/temporary cords and clutter near outlets.
- No visible HVAC equipment/thermostat in photos (in Florida, lack of cooling is a high risk).
Assumptions
- Property is occupied (listing notes month-to-month tenancy) and photos show tenant belongings.
- Central HVAC and water heater are present in the unit but not visible in photos; their operational status is unknown.
- Electrical panel is present and intact though not shown; exposed cords in photos indicate potential localized electrical issues but not necessarily panel hazards.
- No active roof collapse is present; ceiling discoloration likely indicates past or minor leak rather than full structural failure.
- Smoke and CO alarms are not present or not visible in photos and should be treated as absent until confirmed.
- Bathroom and kitchen plumbing fixtures are functional based on visible fixtures, but hot water availability is unverified.
- Interior cleanliness/clutter is tenant-related and will need remediation for inspection but is remediable.
- Boarded/plywood covering shown in a bedroom photo is assumed to affect egress (door or window) and requires repair for code compliance.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $5,088 | $265,147 | $233,534 |
| 2023 | $4,391 | $256,133 | $212,304 |
| 2022 | $3,943 | $200,333 | $175,458 |
| 2021 | $3,557 | $159,507 | $159,507 |
| 2020 | $624 | $143,197 | $40,282 |
| 2019 | $606 | $135,536 | $39,376 |
| 2018 | $526 | $104,804 | $38,642 |
| 2017 | $404 | $105,909 | $37,847 |
| 2016 | $392 | $74,248 | $37,069 |
| 2015 | $392 | $59,830 | $36,811 |
| 2014 | $384 | $54,484 | $36,519 |
| 2013 | $370 | $38,485 | $35,979 |
| 2012 | $358 | $35,378 | $35,378 |
| 2011 | $373 | $35,847 | $35,847 |
| 2010 | $553 | $44,174 | $44,174 |
| 2008 | $1,320 | $96,362 | $96,362 |
| 2007 | $1,526 | $154,537 | $101,150 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-11 | Listed | $299,900 |
| 2026-03-11 | Listing removed | $0 |
| 2026-03-02 | Price Changed | $299,900 |
| 2025-03-13 | Price Changed | $279,900 |
| 2025-02-19 | Listed | $289,900 |
| 2021-08-02 | Listing removed | $0 |
| 2021-05-29 | Listed | $225,000 |
| 2000-05-18 | Sold | $63,900 |
| 1998-08-01 | Sold | $1,387,000 |
| 1988-09-06 | Sold | $1,911,500 |
| 1988-07-01 | Sold | $1,911,500 |
Photo Gallery
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"Association Fee Frequency: Monthly",
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"text": [
"Annual Tax Amount: 4743",
"Source Listing Status: Active",
"County: Palm Beach",
"Directions: Military Trail north of Lake Worth Road to Bowman, west to Mil Stream Court, south to property",
"Tax Year: 2024",
"Source Property Type: Residential",
"Area: 5720",
"List Development Name: Mil-Lake Estates",
"MLS Area Minor: PB19",
"Source Neighborhood: MIL-LAKE ESTATES 1",
"Parcel Number: 18424424220010071",
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"Zoning: RM-2(c",
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"parent_category": "Listing"
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"Year Built: 1981",
"Building Area Source: Public Records",
"Building Area Total: 1357",
"Construction Materials: CBS",
"Direction Faces: West",
"Entry Level: 1",
"Entry Location: Entry Level Living Area Y",
"Living Area Source: Public Records",
"Property Age: 45",
"Property Condition: Resale",
"Roof: Composition, Shingle",
"Levels or Stories: 1",
"Building Total Stories: 1",
"Structure Type: Villa",
"Total Area Sqft: 1357"
],
"category": "Building and Construction",
"parent_category": "Features"
},
{
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"Sewer: Public Sewer",
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"Sewer Available",
"Water Available",
"Water Source: Public"
],
"category": "Utilities",
"parent_category": "Features"
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],
"location": {
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"county_needed_for_uniq": false
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"additional_photos": [
"https://ap.rdcpix.com/4003743878decfe9d2fc929e5f60b41al-m3405866489s-w1280.jpg",
"https://ap.rdcpix.com/4003743878decfe9d2fc929e5f60b41al-m1415675541s-w1280.jpg",
"https://ap.rdcpix.com/4003743878decfe9d2fc929e5f60b41al-m166790134s-w1280.jpg",
"https://ap.rdcpix.com/4003743878decfe9d2fc929e5f60b41al-m3506933078s-w1280.jpg",
"https://ap.rdcpix.com/4003743878decfe9d2fc929e5f60b41al-m1669827192s-w1280.jpg",
"https://ap.rdcpix.com/4003743878decfe9d2fc929e5f60b41al-m4037210095s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 95.42,
"monthly_cash_flow": 1553.16,
"property_tax_rate": 0.0091,
"_utility_allowance": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL080/sources/payment/wp-content_uploads_Palm-Beach-Co-FL-PH-UP-UAs-LIPH-1-1-2026.raster.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected based on the property having electric central air conditioning, using the '3br' value from the 'Electricity (A/C)' schedule line.",
"utility": "Electricity (A/C)",
"allowance": 64
},
{
"note": "Selected as property details specify electric heating, an electric water heater, and an electric range. This allowance covers lighting, appliances, heating, water heating, and cooking for a 3-bedroom unit.",
"utility": "Electricity (L&A,H,WH,C)",
"allowance": 97
},
{
"note": "The property has public sewer. The 'Lake Worth' schedule was chosen because the property's city is Greenacres, which is geographically and contextually closer to Lake Worth than Boynton Beach. The 3-bedroom rate was used.",
"utility": "Sewer (Lake Worth)",
"allowance": 67
},
{
"note": "The property uses public water. The 'Lake Worth' schedule was chosen because the property's city is Greenacres, which is geographically and contextually closer to Lake Worth. The 3-bedroom rate was used.",
"utility": "Water (Lake Worth)",
"allowance": 55
},
{
"note": "Property details indicate that trash removal is included in the HOA fees. Therefore, the direct utility allowance for the tenant is $0.",
"utility": "Trash (Boynton)",
"allowance": 0
}
],
"cash_on_cash_return": 0.31,
"down_payment_amount": 59980.0,
"property_tax_annual": 5240.64,
"property_tax_monthly": 436.72,
"property_tax_increase": 0.03,
"utility_allowance_total": 283.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL080/sources/payment/wp-content_uploads_2025-Payment-Standards.raster.pdf",
"https://www.pbcha.org/wp-content/uploads/2025-Payment-Standards.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": -516.36,
"property_management_monthly": 231.7,
"monthly_cash_flow_after_debt": -43.03,
"cash_on_cash_return_after_debt": -0.01
},
"section8_assessment": {
"runs": [
{
"summary": "Moderate inspection risk. Property shows livable systems and functioning kitchen appliances but has multiple cosmetic and safety deficiencies (boarded/covered bedroom access, no visible smoke/CO detectors, ceiling staining, visible extension cords) that will likely cause an initial Housing Choice Voucher/NSPIRE inspection to fail without corrective work. Expect 30–60 days of repairs (paint/patch/replace ceiling panels, restore/repair egress, install detectors, address any electrical/GFCI needs, verify HVAC/plumbing) to reach passable condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior visible wear and deferred cosmetic maintenance: multiple walls with holes/peeling paint, patched/boarded opening in a bedroom, damaged trim, stained/discolored drop-ceiling panels in the kitchen, and general clutter. Tile floors appear intact. Major appliances (stove, refrigerator) visible but dated. These are mostly repair/finish items and reachable within a moderate scope of work (patch/paint, replace ceiling panels, replace trim/doors), so moderate repairs expected."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE / Code Risks",
"score": 45.0,
"rationale": "Several NSPIRE safety items not visible or appear non-compliant from photos: no visible smoke detectors or CO alarm, bedroom doorway appears boarded/covered (egress concern), extension cords and exposed cords near baseboards/power use visible, kitchen fluorescent panels discolored and possibly have degraded covers, bathroom ventilation present but GFCI presence in bath/kitchen cannot be confirmed. No immediate visible collapsed structure, but egress and detector deficiencies are inspection-level risks that will likely require correction before passing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 50.0,
"rationale": "Major systems not clearly shown. Refrigerator and electric range appear operational (power present). No HVAC equipment, thermostat, electrical panel, or water heater are visible in photos. Ceiling stains and discolored ceiling panels suggest prior water intrusion that could indicate roof/plumbing issues. Given age (1981) and visible clues, assume systems are serviceable but may require inspection/maintenance; uncertainty on HVAC/water heater ages reduces score."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior stucco and trim appear intact from the single front photo; fence and gated side yard present. Trees are very close to the building which can impact roots/drainage. Artificial turf/ground covering and clutter in the front yard present trip/cleanliness concerns but no obvious structural foundation failures or active standing water visible. Overall mostly cosmetic/site cleanup required."
}
],
"red_flags": [
"Boarded/plywood covering a bedroom doorway or exterior access (egress hazard).",
"No visible smoke detectors or CO alarms in provided photos.",
"Ceiling staining/discolored ceiling panels suggesting past or active water intrusion.",
"Potential electrical hazards: visible extension/temporary cords and clutter near outlets.",
"No visible HVAC equipment/thermostat in photos (in Florida, lack of cooling is a high risk)."
],
"confidence": 0.6,
"assumptions": [
"Property is occupied (listing notes month-to-month tenancy) and photos show tenant belongings.",
"Central HVAC and water heater are present in the unit but not visible in photos; their operational status is unknown.",
"Electrical panel is present and intact though not shown; exposed cords in photos indicate potential localized electrical issues but not necessarily panel hazards.",
"No active roof collapse is present; ceiling discoloration likely indicates past or minor leak rather than full structural failure.",
"Smoke and CO alarms are not present or not visible in photos and should be treated as absent until confirmed.",
"Bathroom and kitchen plumbing fixtures are functional based on visible fixtures, but hot water availability is unverified.",
"Interior cleanliness/clutter is tenant-related and will need remediation for inspection but is remediable.",
"Boarded/plywood covering shown in a bedroom photo is assumed to affect egress (door or window) and requires repair for code compliance."
],
"overall_score": 55.0,
"rubric_version": "ns-purchase-v1"
},
{
"summary": "Moderate risk for an initial Housing Choice Voucher/NSPIRE inspection. The unit is largely livable but shows noticeable cosmetic damage, interior clutter, stained ceiling panels suggesting past water intrusion, and a potentially boarded/covered door that could affect bedroom egress. Smoke/CO detectors and GFCI locations are not visible and must be verified/installed. Major systems are not shown and should be confirmed (AC, hot water, electrical panel). With 2–6 weeks of focused work (install detectors, clear/repair egress, patch ceilings, repair wall damage, clean, verify/repair minor mechanical items), the property could pass inspection. Current condition places it in the 'moderate repairs' category (likely 30–60 days to pass).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows significant cosmetic wear: scuffed/damaged walls, patched areas, dark paint hiding damage, and general clutter. Tile floors appear intact. Kitchen cabinets and ceiling light panels are aged and some ceiling panels are stained/discolored. Appliances (range and refrigerator) are present, which reduces penalty for missing equipment. Exterior shows weathered trim and groundcover/turf that is worn. Overall primarily cosmetic and moderate deferred maintenance; repair and cleaning work expected but no obvious heavy structural remediation visible in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Photos do not show any smoke detectors or CO alarms (none visible in living areas or bedrooms) — a common NSPIRE fail if missing. One image shows a door covered with plywood which could indicate a blocked egress or noncompliant exterior access for a bedroom and must be clarified. Ceiling panels in the kitchen are stained/discolored (possible prior water intrusion). Extension cords and clutter create trip/electrical hazards in living areas. No obvious exposed high-voltage wiring visible, and bathroom has a vent but GFCI outlets are not visible in kitchen/bath photos. Given these items, there is moderate risk for initial inspection failures until detectors, egress, and trip/hazard issues are addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Major systems (HVAC, water heater, electrical panel) are not shown in provided photos. Presence of ceiling vents and lived-in condition suggests a functioning HVAC system, but no equipment verification. Stained ceiling panels above kitchen indicate possible past or intermittent water intrusion which could affect ceiling, insulation or electrical fixtures. Appliances appear present and the range is electric (reduces gas-safety concerns). Without visible equipment or service records, rate conservatively as moderate risk — likely functional but requires verification (AC, water heater, electrical panel condition, hot water)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior shows intact stucco and fencing, but wood trim/soffit appears weathered and could use maintenance. Front yard is cluttered and artificial turf shows wear; a tree is very close to the building which could present long-term root or roof/trim issues. Porch has a single small step without a handrail (low height but could be noted). No standing water or visible major foundation or roof sagging evident in photos. Overall site is serviceable but needs clean-up and minor repairs."
}
],
"red_flags": [
"Plywood-covered/boarded door visible inside a bedroom — potential blocked egress or noncompliant exit.",
"Stained and missing/discolored ceiling light panels over kitchen — possible water intrusion above kitchen and potential ceiling/electrical issue.",
"No visible smoke detectors or CO alarms in photos — NSPIRE fail if not present and properly located.",
"Extension cords and clutter running along floors create trip and possible electrical hazards.",
"Interior wall damage and patched areas across living spaces that may hide deeper issues; visible neglect could indicate deferred maintenance elsewhere."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC likely exists but was not photographed; assumed present due to region and listing not indicating lack of cooling.",
"No smoke detectors or CO alarms are present in areas pictured because none are visible in photos; assume they are missing or not properly located until confirmed.",
"Boarded plywood on an interior/bedroom door photo represents either an exterior door or window covering; assumed to be a potential egress obstruction that must be clarified/removed or repaired.",
"Electrical panel, water heater, and furnace/AC equipment are present elsewhere in the unit but their condition is unknown from photos; assumed serviceable until inspection confirms otherwise.",
"Stained/discolored ceiling panels in the kitchen indicate either old fluorescent fixtures or possible prior water intrusion; assumed to be at least cosmetic but may require further investigation for leaks/mold.",
"Appliances pictured (refrigerator, range) are functional or repairable; absence of dishwasher or microwave not considered a major fail."
],
"overall_score": 59.0,
"rubric_version": "1.0"
},
{
"summary": "Moderate repairs required. Property is tenant-occupied and has functioning major appliances but shows visible interior damage, a boarded opening that likely blocks bedroom egress, and no visible smoke/CO detectors. Systems are unverified from photos (HVAC, water heater, electrical panel), so inspection risk is moderate. Likely 30–60 days of correction (repairs, verification of systems, installation of required alarms, and egress remediation) needed to pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 55.0,
"rationale": "Interior shows widespread cosmetic wear: scuffed/damaged drywall, patched areas, dark paint hiding damage, and clutter. Tile flooring appears intact. Kitchen and major appliances (range, refrigerator) are present but dated; ceiling fluorescent panels in kitchen are aged. One exterior window/trim and some wood trim show weathering. Missing minor finishes (trim, touch-up paint) and a boarded interior/exterior door reduce readiness but are mostly repair/cosmetic rather than structural. Overall moderate repairs and cleaning required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 45.0,
"rationale": "Multiple safety risks visible or reasonably inferred: a bedroom/room shows a plywood-covered opening (possible blocked egress), no smoke detectors or CO alarms are visible in photos, and bathroom/kitchen GFCI protection is not verifiable. There are areas of wall/ceiling damage and possible staining (potential moisture risk). Exterior pathway has clutter and trip hazards. No obvious active collapse or standing water, but the boarded egress and missing verifiable alarms are likely inspection failures without remediation."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 55.0,
"rationale": "Photos do not show HVAC equipment, water heater, or electrical panel; tenant-occupied status suggests systems are functioning, but no proof of operational HVAC or hot water. Kitchen appliances present and appear connected. Ceiling and roof edges visible in exterior image show age but no obvious active leaks. Because condition is unknown but no clear catastrophic damage is seen, rate as moderate — functional now but requires verification (HVAC service, water heater, electrical panel check, GFCI verification)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and yard condition",
"score": 65.0,
"rationale": "Exterior stucco/siding and roofline appear intact with weathered trim but no visible foundation cracks or roof sag. Small front yard is cluttered and artificial turf is worn. Trees grow close to the structure (root/trim risk). Fence and gate appear serviceable. Overall minor exterior maintenance and cleanup required but no major structural exterior defects visible in photos."
}
],
"red_flags": [
"Boarded/blocked egress in at least one bedroom/room (plywood covering) — major NSPIRE egress issue",
"No visible smoke detectors or carbon monoxide alarms in photos — likely fail without installation",
"Potential electrical hazards or missing safety devices (GFCI unverified in kitchen/bath; outlets/covers unclear)",
"Interior wall/ceiling damage and staining indicating possible prior moisture events (requires further inspection for active leaks or mold)"
],
"confidence": 0.65,
"assumptions": [
"Listing statement 'currently rented on a month to month basis' is accurate and indicates recent rental activity.",
"Central HVAC and water heater are present but not visible in photos; their operational status is unknown and must be verified.",
"The plywood-covered opening in one bedroom/room is functioning as an exterior door or window and currently obstructs/limits proper egress.",
"No smoke detectors or carbon monoxide alarms are installed or visible in provided photos (they may exist but not captured); absence in photos treated as 'not verified'.",
"No obvious roof leaks or foundation movement were visible in photos; assume none active but recommend verification (attic/roof inspection).",
"Electrical panel location and GFCI protection in kitchen/bath are not shown; assume likely present but require verification and possible updates.",
"Interior odors, mold testing, plumbing water temperature, and appliance functionality were not verified from photos and require on-site checks."
],
"overall_score": 59.0,
"rubric_version": "NSPIRE-v1-photo-assessment-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3774 Mil Stream Ct, Greenacres, FL, 33463",
"aggregate": {
"summary": "Moderate inspection risk. Property shows livable systems and functioning kitchen appliances but has multiple cosmetic and safety deficiencies (boarded/covered bedroom access, no visible smoke/CO detectors, ceiling staining, visible extension cords) that will likely cause an initial Housing Choice Voucher/NSPIRE inspection to fail without corrective work. Expect 30–60 days of repairs (paint/patch/replace ceiling panels, restore/repair egress, install detectors, address any electrical/GFCI needs, verify HVAC/plumbing) to reach passable condition.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 60.0,
"rationale": "Interior visible wear and deferred cosmetic maintenance: multiple walls with holes/peeling paint, patched/boarded opening in a bedroom, damaged trim, stained/discolored drop-ceiling panels in the kitchen, and general clutter. Tile floors appear intact. Major appliances (stove, refrigerator) visible but dated. These are mostly repair/finish items and reachable within a moderate scope of work (patch/paint, replace ceiling panels, replace trim/doors), so moderate repairs expected."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior stucco and trim appear intact from the single front photo; fence and gated side yard present. Trees are very close to the building which can impact roots/drainage. Artificial turf/ground covering and clutter in the front yard present trip/cleanliness concerns but no obvious structural foundation failures or active standing water visible. Overall mostly cosmetic/site cleanup required."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE / Code Risks",
"score": 46.7,
"rationale": "Several NSPIRE safety items not visible or appear non-compliant from photos: no visible smoke detectors or CO alarm, bedroom doorway appears boarded/covered (egress concern), extension cords and exposed cords near baseboards/power use visible, kitchen fluorescent panels discolored and possibly have degraded covers, bathroom ventilation present but GFCI presence in bath/kitchen cannot be confirmed. No immediate visible collapsed structure, but egress and detector deficiencies are inspection-level risks that will likely require correction before passing."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 53.3,
"rationale": "Major systems not clearly shown. Refrigerator and electric range appear operational (power present). No HVAC equipment, thermostat, electrical panel, or water heater are visible in photos. Ceiling stains and discolored ceiling panels suggest prior water intrusion that could indicate roof/plumbing issues. Given age (1981) and visible clues, assume systems are serviceable but may require inspection/maintenance; uncertainty on HVAC/water heater ages reduces score."
}
],
"red_flags": [
"Boarded/plywood covering a bedroom doorway or exterior access (egress hazard).",
"No visible smoke detectors or CO alarms in provided photos.",
"Ceiling staining/discolored ceiling panels suggesting past or active water intrusion.",
"Potential electrical hazards: visible extension/temporary cords and clutter near outlets.",
"No visible HVAC equipment/thermostat in photos (in Florida, lack of cooling is a high risk)."
],
"confidence": 0.91,
"assumptions": [
"Property is occupied (listing notes month-to-month tenancy) and photos show tenant belongings.",
"Central HVAC and water heater are present in the unit but not visible in photos; their operational status is unknown.",
"Electrical panel is present and intact though not shown; exposed cords in photos indicate potential localized electrical issues but not necessarily panel hazards.",
"No active roof collapse is present; ceiling discoloration likely indicates past or minor leak rather than full structural failure.",
"Smoke and CO alarms are not present or not visible in photos and should be treated as absent until confirmed.",
"Bathroom and kitchen plumbing fixtures are functional based on visible fixtures, but hot water availability is unverified.",
"Interior cleanliness/clutter is tenant-related and will need remediation for inspection but is remediable.",
"Boarded/plywood covering shown in a bedroom photo is assumed to affect egress (door or window) and requires repair for code compliance."
],
"score_method": "mean_of_criteria",
"overall_score": 55.8,
"rubric_version": "ns-purchase-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6574316347"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.