Property ID: 6847755274

4075 Macks Rd, Century, FL, 32535

Century, FL

For Sale Mar 27, 2026 07:57 PM UTC Realtor Street View Rent Zestimate
Money Down: $52,560 CoC Return: 3.88% Monthly Cash Flow: $170
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$43,800
Closing Costs
$8,760
Total Down
$52,560
Primary property image

Investment Snapshot

Purchase Price
$219,000
Money Down
$52,560
Cash-on-Cash Return
3.88%
Rent
$1,651
Monthly Cash Flow
$170
Annual Cash Flow
$2,040
Debt Service / Mo
$1,166
Property Tax / Mo
$64
Insurance / Mo
$86

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,651
Payment Standard
$1,933
Rent
$1,651
Insurance
$86
Property Tax
$64
Management
$165
Utilities Allowance
$282
NOI (Monthly)
$1,336
Debt Service
$1,166
Cash Flow After Debt
$170

Quality Score: 81.60%

Confidence: 91.00%

Overall this single-family home appears largely turnkey for a Section 8 / HCV initial inspection. The interior and exterior show recent renovations and system updates (roof, HVAC, water heater per listing), clean finishes, functioning kitchen appliances, and safe-looking entry/egress. The main inspection risks are absence of visible smoke/CO detectors and lack of photographic evidence of GFCI protection and the electrical panel. The wood-burning fireplace insert requires verification of proper venting/clearances or decommissioning. With installation/confirmation of required alarms, verification of GFCI outlets/panel, and a quick systems check, this property should pass an initial NSPIRE inspection and be rent-ready within 1–4 weeks.

Section 8 Payment Standard
$1,933
Utility Allowance Total
$282
Guaranteed Section 8 Rent (PS - Utilities)
$1,651
Property Management
$165

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$219,000
Beds
3
Baths
1
Living Area
1,104 sqft
Lot Size
36,155 sqft
Year Built
1962
Days on Market
104
Capital Outlay
$52,560
Debt Service
$1,166
Property Tax / Mo
$64
Insurance / Mo
$86

Property Description

Charming and thoughtfully updated, this beautifully renovated brick home offers the perfect blend of comfort and convenience. Upgrades include: Energy Efficient Windows/ 2018 Roof / 4T HVAC, 2024/ Elec Water heater, 2025/ plus much more. Situated on nearly an acre of serene countryside just 10 minutes from downtown Atmore, this compact residence features modern finishes throughout and a detached garage for added storage and flexibility. Nestled in the peaceful community of Bratt, FL, you'll enjoy tranquil views and a quiet rural atmosphere while being only 5 minutes from local elementary and high schools. Truly move-in ready, this home is ideal for anyone seeking a harmonious lifestyle close to amenities. Don't miss your chance-make your move today! ALL SQ. FOOTAGE AND DIMENSIONS ARE APPROXIMATE AND IS THE BUYER'S RESPONSIBILITY TO VERIFY

Utility Allowances

air_conditioning
$49
The property includes a Heat Pump for cooling, which is an electric air conditioning system.
cooking
$13
Selected 'electric' because the property includes a 'Self Cleaning Oven', implying an electric range is provided.
heating
$31
Selected 'electric' as the property details specify a 'Heat Pump' for heating.
monthly_electric_fee
$11
Standard monthly service fee for properties with an active electric utility account.
monthly_gas_fee
$0
The property's major appliances (heating, cooking, water heater) are electric, so no gas service is required.
other_electric
$70
Standard allowance for general household electricity usage such as lighting and plug-in appliances.
range_tenant_supplied
$0
Allowance is zero because the property provides a 'Self Cleaning Oven'.
refrigerator_tenant_supplied
$12
A refrigerator is not explicitly listed as a provided appliance in the property details, so it is treated as tenant-supplied per instructions.
sewer
$64
Inferred based on the property having a 'Public' water source and no mention of a septic system.
trash_collection
$32
Standard allowance for municipal trash collection service for a single-family detached property.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$1,032
DP3 Annual Estimate$1,032
DP1 Monthly Equivalent$86
DP3 Monthly Equivalent$86
Replacement Value$131,384
Basis1,104 sqft / 1962

Nearby Houses

Nearby house 1
Photo unavailable

3991 Macks Rd

sold · 0.19 mi
Price: $183,000
3 bd / 2 ba · 1,380 sqft
Latest sale: $183,000
Latest rent: —
Nearby house 2
Photo unavailable

4010 Wyndham Rd

for_sale · 0.26 mi
Price: $211,000
3 bd / 1 ba · 1,025 sqft
Latest sale: $165,000
Latest rent: —
Nearby house 3
Photo unavailable

4899 Highway 168

sold · 0.28 mi
Price: $349,999
4 bd / 3 ba · 2,746 sqft
Latest sale: $349,999
Latest rent: —
Nearby house 4
Photo unavailable

6921 N Highway 99

sold · 0.31 mi
Price: $95,000
3 bd / 1 ba · 1,721 sqft
Latest sale: $95,000
Latest rent: —
Nearby house 5
Photo unavailable

4889 Highway 168

for_sale · 0.35 mi
Price: $434,000
5 bd / 3 ba · 2,463 sqft
Latest sale: $3,600
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • No visible smoke detectors or carbon-monoxide alarms in photos — required for inspection and life-safety compliance.
  • Wood-burning fireplace insert present — requires verification of proper venting, clearances, and safe operation (possible fail if not compliant).
  • GFCI protection in kitchen/bath not evidenced in photos — must be verified/installed where required.

Assumptions

  • Listing is accurate: roof replaced 2018, HVAC replaced 2024, electric water heater replaced 2025, and windows upgraded.
  • Kitchen appliances shown (electric range, microwave, fridge) will remain with the unit as appliances are visible in photos and typical for a move-in ready listing.
  • No active roof leaks, hidden water damage, or major foundation movement exist because interior ceilings and walls show no visible staining, sagging, or cracks in provided photos.
  • Electrical panel, water heater, and exterior garage condition are functional and accessible though not pictured—scored based on listing claims and lack of visible distress.
  • Fireplace insert may be decorative or functional; assume it requires verification of safe installation/venting prior to tenant use.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $749 $142,784 $79,407
2023 $585 $126,655 $74,923
2022 $580 $114,975 $72,741
2021 $588 $90,716 $70,623
2020 $582 $80,930 $69,648
2019 $578 $75,763 $68,083
2018 $582 $71,333 $66,814
2017 $585 $65,440 $65,440
2016 $1,065 $64,493 $64,493
2015 $1,006 $61,176 $61,176
2014 $938 $59,423 $59,423
2013 $533 $29,364 $29,364
2012 $552 $30,258 $30,258
2011 $570 $31,632 $31,632
2010 $604 $33,990 $33,990
2009 $626 $35,411 $35,411
2008 $668 $38,500 $38,500
2007 $768 $42,120 $42,120

Sale History

DateEventPrice
2026-03-04 Listed $219,000
2026-03-04 Listed $219,000
2025-06-17 Sold $184,900
2025-04-07 Listed $194,900
2016-10-03 Sold $74,900
2016-08-13 Listing removed $79,900
2016-08-13 Listing removed $79,900
2016-07-15 Listed $79,900
2016-07-12 Listed $79,900
2013-06-27 Sold $55,000
2005-03-30 Sold $49,100
2001-10-25 Sold $40,000

Photo Gallery

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          {
            "date": "2025-06-17",
            "price": 184900,
            "listing": {
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              "list_date": "2025-04-07T02:20:40Z",
              "list_price": 194900,
              "listing_id": "2980263024",
              "last_update_date": "2025-06-17T22:16:28Z",
              "last_status_change_date": "2025-06-17T22:17:33Z"
            },
            "event_name": "Sold",
            "price_sqft": 167.481884057971,
            "source_name": "Pensacola",
            "price_change": -10000,
            "days_after_listed": "71 days",
            "source_listing_id": "662068",
            "price_change_percentage": "-5.13%"
          },
          {
            "date": "2025-04-07",
            "price": 194900,
            "listing": {
              "status": "sold",
              "list_date": "2025-04-07T02:20:40Z",
              "list_price": 194900,
              "listing_id": "2980263024",
              "last_update_date": "2025-06-17T22:16:28Z",
              "last_status_change_date": "2025-06-17T22:17:33Z"
            },
            "event_name": "Listed",
            "price_sqft": 176.53985507246378,
            "source_name": "Pensacola",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "662068",
            "price_change_percentage": "+160.21%"
          },
          {
            "date": "2016-10-03",
            "price": 74900,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 67.84420289855072,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": "-6.26%"
          },
          {
            "date": "2016-08-13",
            "price": 79900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-07-15T07:00:00Z",
              "list_price": 79900,
              "listing_id": "617691554",
              "last_update_date": "2016-07-21T04:07:20Z",
              "last_status_change_date": "2016-07-15T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 72.3731884057971,
            "source_name": "BaldwinREALTORS",
            "price_change": 0,
            "days_after_listed": "29 days",
            "source_listing_id": "242171",
            "price_change_percentage": null
          },
          {
            "date": "2016-08-13",
            "price": 79900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-07-12T07:00:00Z",
              "list_price": 79900,
              "listing_id": "617696646",
              "last_update_date": "2016-07-21T04:08:00Z",
              "last_status_change_date": "2016-07-12T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 72.3731884057971,
            "source_name": "Pensacola",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "502993",
            "price_change_percentage": null
          },
          {
            "date": "2016-07-15",
            "price": 79900,
            "listing": {
              "status": "off_market",
              "list_date": "2016-07-15T07:00:00Z",
              "list_price": 79900,
              "listing_id": "617691554",
              "last_update_date": "2016-07-21T04:07:20Z",
              "last_status_change_date": "2016-07-15T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 72.3731884057971,
            "source_name": "BaldwinREALTORS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "242171",
            "price_change_percentage": null
          },
          {
            "date": "2016-07-12",
            "price": 79900,
            "listing": {
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              "list_date": "2016-07-12T07:00:00Z",
              "list_price": 79900,
              "listing_id": "617696646",
              "last_update_date": "2016-07-21T04:08:00Z",
              "last_status_change_date": "2016-07-12T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": 72.3731884057971,
            "source_name": "Pensacola",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "502993",
            "price_change_percentage": "+45.27%"
          },
          {
            "date": "2013-06-27",
            "price": 55000,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 49.81884057971015,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
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          {
            "date": "2005-03-30",
            "price": 49100,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 44.47463768115942,
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            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
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          {
            "date": "2001-10-25",
            "price": 40000,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 36.231884057971016,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
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        ],
        "building_permits_history": [
          {
            "project_name": "Shingles",
            "permit_status": "Issued",
            "permit_type_of_work": "Building/residential/roof/na",
            "permit_effective_date": "Jul 28, 2017",
            "permit_project_type_1": "Residential",
            "permit_project_type_2": "Roofing",
            "permit_project_type_3": null
          },
          {
            "project_name": null,
            "permit_status": "Canceled",
            "permit_type_of_work": "Building/residential/alteration/na",
            "permit_effective_date": "Mar 10, 2006",
            "permit_project_type_1": "Doors and windows",
            "permit_project_type_2": "Residential",
            "permit_project_type_3": null
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        ]
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    },
    "rmn_listing_attribution": false
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  "property_id": "6847755274",
  "generated_at": "2026-03-27T19:57:22.793239Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 81.6
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  "utility_allowance": {
    "zip_code": "32535",
    "home_photo": "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m808605977s-w1280.jpg",
    "rent_price": 1651.0,
    "loan_amount": 175200.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/4075-Macks-Rd_Century_FL_32535_M68477-55274",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 219000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 16027.33,
    "mortgage_monthly": 1165.61,
    "payment_standard": 1933.0,
    "total_amount_out": 43800.0,
    "additional_photos": [
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      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m3805415811s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m738709394s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m4104364317s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m1189894232s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m167668025s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m2075521044s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m148189252s-w1280.jpg",
      "https://ap.rdcpix.com/ad6a57f759b410aef3df4e9c91c3ed99l-m48400893s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 86.0,
    "monthly_cash_flow": 1335.61,
    "property_tax_rate": 0.0063,
    "_utility_allowance": {
      "sources": [
        "/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf",
        "/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf"
      ],
      "effective_date": "2025-08-01"
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    "utility_allowances": [
      {
        "note": "The property includes a Heat Pump for cooling, which is an electric air conditioning system.",
        "utility": "air_conditioning",
        "allowance": 49
      },
      {
        "note": "Selected 'electric' because the property includes a 'Self Cleaning Oven', implying an electric range is provided.",
        "utility": "cooking",
        "allowance": 13
      },
      {
        "note": "Selected 'electric' as the property details specify a 'Heat Pump' for heating.",
        "utility": "heating",
        "allowance": 31
      },
      {
        "note": "Standard monthly service fee for properties with an active electric utility account.",
        "utility": "monthly_electric_fee",
        "allowance": 11
      },
      {
        "note": "The property's major appliances (heating, cooking, water heater) are electric, so no gas service is required.",
        "utility": "monthly_gas_fee",
        "allowance": 0
      },
      {
        "note": "Standard allowance for general household electricity usage such as lighting and plug-in appliances.",
        "utility": "other_electric",
        "allowance": 70
      },
      {
        "note": "Allowance is zero because the property provides a 'Self Cleaning Oven'.",
        "utility": "range_tenant_supplied",
        "allowance": 0
      },
      {
        "note": "A refrigerator is not explicitly listed as a provided appliance in the property details, so it is treated as tenant-supplied per instructions.",
        "utility": "refrigerator_tenant_supplied",
        "allowance": 12
      },
      {
        "note": "Inferred based on the property having a 'Public' water source and no mention of a septic system.",
        "utility": "sewer",
        "allowance": 64
      },
      {
        "note": "Standard allowance for municipal trash collection service for a single-family detached property.",
        "utility": "trash_collection",
        "allowance": 32
      }
    ],
    "cash_on_cash_return": 0.37,
    "down_payment_amount": 43800.0,
    "property_tax_annual": 771.47,
    "property_tax_monthly": 64.29,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 282.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/payment/DocumentCenter_View_27843_08012025-Utility-Allowance-Schedule-.raster.pdf",
        "/Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/FL092/sources/utility/DocumentCenter_View_2218_Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.raster.pdf",
        "https://www.cityofpensacola.com/DocumentCenter/View/27843",
        "https://www.pensacolahousing.org/DocumentCenter/View/2218/Chapter-9---Utility-Estimate-Schedule-and-Payment-Standards-PDF.pdf",
        "https://www.pensacolahousing.org/DocumentCenter/View/26772/08012024-Utility-Allowance-Schedule.pdf",
        "https://www.pensacolahousing.org/DocumentCenter/View/27324/Updated-Payment-Standard-Utility-Allowance-Schedule-MF.pdf",
        "https://www.pensacolahousing.org/DocumentCenter/View/27843/08012025-Utility-Allowance-Schedule-.pdf"
      ],
      "effective_date": "2025-08-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": 2040.01,
    "property_management_monthly": 165.1,
    "monthly_cash_flow_after_debt": 170.0,
    "cash_on_cash_return_after_debt": 0.05
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  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall this single-family home appears largely turnkey for a Section 8 / HCV initial inspection. The interior and exterior show recent renovations and system updates (roof, HVAC, water heater per listing), clean finishes, functioning kitchen appliances, and safe-looking entry/egress. The main inspection risks are absence of visible smoke/CO detectors and lack of photographic evidence of GFCI protection and the electrical panel. The wood-burning fireplace insert requires verification of proper venting/clearances or decommissioning. With installation/confirmation of required alarms, verification of GFCI outlets/panel, and a quick systems check, this property should pass an initial NSPIRE inspection and be rent-ready within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 85.0,
            "rationale": "Photos and listing show a recently renovated interior with fresh paint, new-looking flooring, updated kitchen cabinets/counter, and functioning appliances (stove/microwave/fridge visible). Exterior brick is painted and in good visible condition. No major cosmetic damage, holes, or collapsed surfaces observed. Minor items that could require quick repairs before move-in: confirm and install any missing outlet covers (one outlet area near fireplace shows cords), small threshold/step finishing at front stoop, and verify cabinets/drawers operate smoothly. Missing washer/dryer not penalized heavily. Overall appears move-in ready with only minor, easy-to-fix items."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance",
            "score": 70.0,
            "rationale": "Many visible safety items look acceptable: entry door appears to have a keypad/deadbolt, bedrooms show windows that appear large enough for emergency egress, handrails are present on the front steps, and there are no visible trip hazards in photographed rooms. However, no smoke detectors or carbon-monoxide alarms are visible in the provided photos (required for Section 8/NSPIRE); GFCI outlets in kitchen/bath are not clearly identified in images; the property contains a wood-burning fireplace insert which requires verification of proper venting/clearances and safe operation. Electrical panel and wiring condition are not shown. Because required alarms and GFCI verification are missing from visual evidence, there is a moderate inspection risk until those items are confirmed/installed."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
            "score": 85.0,
            "rationale": "Listing states recent system upgrades: 2018 roof, HVAC replaced 2024, electric water heater 2025, and energy-efficient windows. Photographs show supply/return HVAC vents and no visible signs of water damage or active leaks inside. Kitchen appliances appear modern and electric (reduces gas appliance venting concerns). Electrical panel and water heater are not pictured so condition is inferred from listing and lack of visible system distress. Given the reported recent replacements and clean interior, major systems likely in good working order but should be verified by service records or a quick contractor check."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 80.0,
            "rationale": "Exterior brick walls and painted finish appear sound; roof looks intact from provided front elevation photo; foundation vents visible (crawlspace present) and ground slopes flat away from house with no obvious standing water. Front porch has handrails and steps which appear serviceable. Property sits on nearly an acre with clear yard and no visible debris or infestation. Detached garage is mentioned but not photographed in detail; recommended to inspect garage roof and doors. Overall, exterior/site presents low to moderate risk with routine maintenance likely sufficient."
          }
        ],
        "red_flags": [
          "No visible smoke detectors or carbon-monoxide alarms in photos — required for inspection and life-safety compliance.",
          "Wood-burning fireplace insert present — requires verification of proper venting, clearances, and safe operation (possible fail if not compliant).",
          "GFCI protection in kitchen/bath not evidenced in photos — must be verified/installed where required."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Listing is accurate: roof replaced 2018, HVAC replaced 2024, electric water heater replaced 2025, and windows upgraded.",
          "Kitchen appliances shown (electric range, microwave, fridge) will remain with the unit as appliances are visible in photos and typical for a move-in ready listing.",
          "No active roof leaks, hidden water damage, or major foundation movement exist because interior ceilings and walls show no visible staining, sagging, or cracks in provided photos.",
          "Electrical panel, water heater, and exterior garage condition are functional and accessible though not pictured—scored based on listing claims and lack of visible distress.",
          "Fireplace insert may be decorative or functional; assume it requires verification of safe installation/venting prior to tenant use."
        ],
        "overall_score": 80.0,
        "rubric_version": "nsPIRE-v1.0-2026"
      },
      {
        "summary": "Overall the property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection after addressing a small number of verification and safety items. Interior finishes, kitchen appliances, roof and mechanicals (per listing) are recent and in good visual condition. Primary items to verify/repair before a voucher inspection: presence and placement of working smoke detectors and CO alarms, GFCI protection at kitchen sink, confirmation of electrical panel condition, and inspection/clearance or decommissioning documentation for the fireplace insert. These are mostly quick/low-cost fixes; no major structural or life-safety failures are evident from the provided photos and listing.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Photos and listing show a recently renovated interior with new-looking finishes, painted brick exterior, intact flooring, functioning kitchen appliances (range, microwave, refrigerator visible), and an attractive entry/porch. No visible peeling paint, significant drywall damage, or collapsed surfaces. Easy-to-fix items likely: verify or replace outlet covers, minor touch-up painting, and any missing small fixtures. Missing appliances are not an issue here because major kitchen appliances are present. Overall cosmetic condition appears very good and turnkey."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance (NSPIRE risk)",
            "score": 70.0,
            "rationale": "No smoke detectors or CO alarms are visible in the photographed rooms (living/dining/kitchen/bedroom); NSPIRE requires smoke detectors in hallways/bedrooms and CO alarms where fuel-burning appliances or attached garages are present. GFCI outlets near the sink are not visible in photos (kitchen countertop outlets not clearly GFCI). The entry door shows a keypad/deadbolt (positive). No exposed wiring, major trip hazards, or collapsed ceilings are visible. The fireplace contains an insert that should be inspected/verified as capped or operable with proper venting. Bedroom windows appear to provide egress but dimensions are not verifiable from photos. These unknowns lower the safety score; most items are relatively easy to correct (install/verify detectors, add GFCI) but must be fixed before inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, plumbing, electrical, roof)",
            "score": 80.0,
            "rationale": "Listing reports roof replaced in 2018, HVAC replaced 2024, and electric water heater 2025 — if accurate these are recent and reduce inspection risk. Photographs show ceiling HVAC vents and a tidy kitchen plumbing area with no visible leaks. Electrical panel was not photographed so main service condition is unknown; visible outlets and fixtures appear intact. No evidence of active water intrusion or roof sagging from exterior images. Reasonable to infer systems are in good condition but lack of direct photos of the electrical panel and water heater require verification."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Exterior brick (painted) and roof appear in good condition with even rooflines and no visible sagging. Porch steps have handrails, and the yard is flat and clear; detached garage provides additional storage. Crawlspace vents visible indicating foundation ventilation; no large foundation cracks, standing water, or severe site neglect observed in photos. Rural lot nearly an acre — drainage patterns not fully observable but no obvious site hazards were photographed."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Listing statements are accurate: roof 2018, HVAC replaced 2024, electric water heater replaced 2025.",
          "Bedrooms have code-compliant egress windows based on visible window size, but exact dimensions were not measured.",
          "No smoke detectors or carbon monoxide detectors were visible in photos; assume they may be missing or not photographed and should be verified and/or installed.",
          "GFCI-protected outlets near the kitchen sink were not visible; assume they may be missing until verified.",
          "Electrical panel and water heater locations were not photographed; assume service exists and is typical for a 1962 home with recent upgrades but require verification.",
          "Fireplace contains an insert — assume it may be a wood-burning or decorative insert and should be inspected/verified for safe operation or permanently disabled.",
          "No evidence of severe hidden issues (foundation movement, roof failure, active leaks) in photos; absence of evidence does not guarantee absence of problems."
        ],
        "overall_score": 80.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "This home is essentially turnkey for a Housing Choice Voucher (Section 8) inspection. Renovations and recent system replacements (roof 2018, HVAC 2024, water heater 2025) plus clean interior finishes and present appliances indicate a high likelihood of passing an initial NSPIRE inspection after routine verifications. Expect only minor, quick items to confirm/repair before inspection: install/verify smoke and CO detectors as required, confirm GFCI protection in kitchen/bath, and verify fireplace/insert compliance if it will remain operable. No structural or life-safety failures were observed in the provided photos and listing data.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 88.0,
            "rationale": "Photos and listing show a recent, well-executed renovation: new-looking flooring, painted brick exterior, updated kitchen with modern appliances present, finished trim and crown molding, and no visible drywall or flooring damage. Cosmetic condition appears excellent; only minor wear/finish touch-ups likely. Missing or older small items (no visible damage to cabinets or countertops) do not materially reduce readiness. Presence of a wood-burning fireplace/insert may require verification of intact flue/clearances but appears cosmetically finished."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 78.0,
            "rationale": "No obvious life-threatening hazards in photos: ceilings intact, visible outlets have covers, stairs/porch have handrails, bedroom windows appear to provide egress, front entry shows a secure locking device. However required safety items are not visible in photos: smoke detectors and carbon monoxide alarms are not shown (could be present but not visible) and GFCI outlets in kitchen/bath are not clearly visible. The fireplace/insert needs verification for proper venting and clearance. No exposed wiring or severe water intrusion apparent. Score reduced to reflect unconfirmed but required code items (smoke/CO/GFCI) and need to verify fireplace safety."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Roof, Plumbing, Electrical)",
            "score": 86.0,
            "rationale": "Listing states 2018 roof, 4T HVAC 2024, and electric water heater 2025; photos show ceiling HVAC vents and a modern kitchen with working appliances, supporting those claims. No visible roof sagging, active leaks, or plumbing damage. Electrical appears serviceable (cover plates, working fixtures), but the main panel condition and presence of required GFCI/AFCI protection cannot be confirmed from photos. Overall systems appear recently updated and in good condition, pending verification of electrical protections and demonstration that HVAC and water heater are operational."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 84.0,
            "rationale": "Exterior brick appears recently painted and in good condition; roof slope looks uniform and gutters are present. Property sits on nearly an acre with flat yard and clear walkways; front steps have handrails. Crawlspace/ventilation openings visible and look intact. Detached garage exists (photos not shown) which is a positive; condition of garage and site drainage patterns beyond the immediate front yard are not documented. No signs of major foundation movement or standing water in photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.75,
        "assumptions": [
          "Listing statements about roof (2018), HVAC (2024), and electric water heater (2025) are accurate and systems are operational.",
          "All shown appliances (stove, microwave, refrigerator) will be left with the unit and are functional.",
          "Smoke detectors and carbon monoxide alarms are not visible in photos; scoring assumes they may be missing or require relocation/updating to current code unless verified.",
          "GFCI protection for kitchen and bathroom outlets is not visible in photos and thus assumed unconfirmed; score reflects this uncertainty.",
          "Electrical panel condition, AFCI protection, and grounding cannot be confirmed from photos and were assumed typical for a renovated house unless inspection reveals otherwise.",
          "Detached garage condition, crawlspace access, and drainage around the rear and sides are not shown and assumed adequate based on visible yard condition.",
          "Fireplace/insert is assumed to be decorative or functioning but requires verification of a safe venting/flue and clearance before approval if intended for use."
        ],
        "overall_score": 84.0,
        "rubric_version": "nsprite-v1.0-2026"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "4075 Macks Rd, Century, FL, 32535",
    "aggregate": {
      "summary": "Overall this single-family home appears largely turnkey for a Section 8 / HCV initial inspection. The interior and exterior show recent renovations and system updates (roof, HVAC, water heater per listing), clean finishes, functioning kitchen appliances, and safe-looking entry/egress. The main inspection risks are absence of visible smoke/CO detectors and lack of photographic evidence of GFCI protection and the electrical panel. The wood-burning fireplace insert requires verification of proper venting/clearances or decommissioning. With installation/confirmation of required alarms, verification of GFCI outlets/panel, and a quick systems check, this property should pass an initial NSPIRE inspection and be rent-ready within 1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition / Repairs",
          "score": 86.0,
          "rationale": "Photos and listing show a recently renovated interior with fresh paint, new-looking flooring, updated kitchen cabinets/counter, and functioning appliances (stove/microwave/fridge visible). Exterior brick is painted and in good visible condition. No major cosmetic damage, holes, or collapsed surfaces observed. Minor items that could require quick repairs before move-in: confirm and install any missing outlet covers (one outlet area near fireplace shows cords), small threshold/step finishing at front stoop, and verify cabinets/drawers operate smoothly. Missing washer/dryer not penalized heavily. Overall appears move-in ready with only minor, easy-to-fix items."
        },
        {
          "key": "exterior_site",
          "label": "Exterior / Site Condition",
          "score": 83.0,
          "rationale": "Exterior brick walls and painted finish appear sound; roof looks intact from provided front elevation photo; foundation vents visible (crawlspace present) and ground slopes flat away from house with no obvious standing water. Front porch has handrails and steps which appear serviceable. Property sits on nearly an acre with clear yard and no visible debris or infestation. Detached garage is mentioned but not photographed in detail; recommended to inspect garage roof and doors. Overall, exterior/site presents low to moderate risk with routine maintenance likely sufficient."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance",
          "score": 72.7,
          "rationale": "Many visible safety items look acceptable: entry door appears to have a keypad/deadbolt, bedrooms show windows that appear large enough for emergency egress, handrails are present on the front steps, and there are no visible trip hazards in photographed rooms. However, no smoke detectors or carbon-monoxide alarms are visible in the provided photos (required for Section 8/NSPIRE); GFCI outlets in kitchen/bath are not clearly identified in images; the property contains a wood-burning fireplace insert which requires verification of proper venting/clearances and safe operation. Electrical panel and wiring condition are not shown. Because required alarms and GFCI verification are missing from visual evidence, there is a moderate inspection risk until those items are confirmed/installed."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
          "score": 83.7,
          "rationale": "Listing states recent system upgrades: 2018 roof, HVAC replaced 2024, electric water heater 2025, and energy-efficient windows. Photographs show supply/return HVAC vents and no visible signs of water damage or active leaks inside. Kitchen appliances appear modern and electric (reduces gas appliance venting concerns). Electrical panel and water heater are not pictured so condition is inferred from listing and lack of visible system distress. Given the reported recent replacements and clean interior, major systems likely in good working order but should be verified by service records or a quick contractor check."
        }
      ],
      "red_flags": [
        "No visible smoke detectors or carbon-monoxide alarms in photos — required for inspection and life-safety compliance.",
        "Wood-burning fireplace insert present — requires verification of proper venting, clearances, and safe operation (possible fail if not compliant).",
        "GFCI protection in kitchen/bath not evidenced in photos — must be verified/installed where required."
      ],
      "confidence": 0.91,
      "assumptions": [
        "Listing is accurate: roof replaced 2018, HVAC replaced 2024, electric water heater replaced 2025, and windows upgraded.",
        "Kitchen appliances shown (electric range, microwave, fridge) will remain with the unit as appliances are visible in photos and typical for a move-in ready listing.",
        "No active roof leaks, hidden water damage, or major foundation movement exist because interior ceilings and walls show no visible staining, sagging, or cracks in provided photos.",
        "Electrical panel, water heater, and exterior garage condition are functional and accessible though not pictured—scored based on listing claims and lack of visible distress.",
        "Fireplace insert may be decorative or functional; assume it requires verification of safe installation/venting prior to tenant use."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 81.6,
      "rubric_version": "nsPIRE-v1.0-2026",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "6847755274"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.