Property ID: 7019825243
120 Springdale Ave, Hueytown, AL, 35023
Hueytown, AL
Money Down: $27,480
CoC Return: 6.14%
Monthly Cash Flow: $141
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$22,900
Closing Costs
$4,580
Total Down
$27,480
Investment Snapshot
Purchase Price
$114,500
Money Down
$27,480
Cash-on-Cash Return
6.14%
Rent
$967
Monthly Cash Flow
$141
Annual Cash Flow
$1,688
Debt Service / Mo
$609
Property Tax / Mo
$51
Insurance / Mo
$69
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$967
Payment Standard
$1,408
Rent
$967
Insurance
$69
Property Tax
$51
Management
$97
Utilities Allowance
$441
NOI (Monthly)
$750
Debt Service
$609
Cash Flow After Debt
$141
Quality Score: 78.70%
Confidence: 85.00%
This 2-bed, 1-bath cottage is mostly turnkey for Section 8/HCV tenancy. Photos and listing indicate recent kitchen and bathroom renovations, new bedroom carpet and laminate flooring, a recent HVAC compressor (2025) and a 2014 roof. Major systems appear intact and no life‑threatening hazards are visible. Likely pass with a standard initial NSPIRE/HCV inspection after addressing a few small items commonly required: verify/install functioning smoke detectors (and CO alarms if required), confirm GFCI protection in kitchen/bath or install where required, and clear/repair minor exterior trip hazards and touch-up porch railings. Estimated time to rent-ready: under 30 days if detectors/GFCI work and small exterior fixes are completed.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$441
Guaranteed Section 8 Rent (PS - Utilities)
$967
Property Management
$97
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$114,500
Beds
2
Baths
1
Living Area
999 sqft
Lot Size
7,405 sqft
Year Built
1952
Days on Market
122
Capital Outlay
$27,480
Debt Service
$609
Property Tax / Mo
$51
Insurance / Mo
$69
Property Description
MOVE IN READY & NEW PRICE! Adorable Cottage style home with covered front porch in the heart of Hueytown! Newly remodeled kitchen and bath! Brand new dishwasher, kitchen countertops, farmhouse sink, paint & backsplash. Low maintenance vinyl siding, pretty laminate flooring, new carpet in bedrooms, new HVAC in 2020 and brand new compressor in 2025, roof replaced in 2014, new shower and bathroom vanity. This home is close to interstates, schools, churches, community swimming pool, shopping and more! Perfect for first time home buyers or someone wishing to downsize into a low maintenance home. Only 15 minutes from downtown & UAB!
Utility Allowances
heating
$76
The property has central heating. Electric is chosen as the fuel type to align with the electric stove and water heater. Alabama Power is selected as the most likely provider for Hueytown.
cooling
$18
The property has central cooling, which is electric. Alabama Power is selected as the most likely provider for the area.
water_heating
$46
The property description specifies an electric water heater. Alabama Power is selected as the most likely provider.
cooking
$17
The property description specifies an electric stove. Alabama Power is selected as the most likely provider.
other_electric
$56
This covers general electric usage like lights and outlets. Alabama Power is selected as the most likely provider. The schedule line item implies refrigerator usage is included.
water
$69
The property has public water. Based on its location in Jefferson County, Birmingham Water is a likely provider and the more expensive option among plausible choices.
sewer
$125
The property is connected to public sewer. The allowance is based on the fixed rate provided in the schedule for the unit size.
trash_collection
$20
Trash provider is not specified. 'Jefferson City' is selected as a reasonable default for a property within Jefferson County not explicitly covered by other municipalities in the schedule.
refrigerator
$8
A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned. This allowance is for a tenant-provided appliance.
range_microwave
$6
A microwave is not listed as a provided appliance and is assumed to be tenant-owned. This allowance is for a tenant-provided appliance.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$684
DP3 Annual Estimate$981
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$82
Replacement Value$80,500
Basis999 sqft / 1952
Nearby Houses
Photo unavailable
124 Springdale Ave
sold · 0.02 mi
Price: $95,500
3 bd / 1 ba · 996 sqft
Latest sale: $95,500
Latest rent: —
Photo unavailable
233 Woodland Dr
sold · 0.04 mi
Price: $85,750
3 bd / 1 ba · 1,021 sqft
Latest sale: $85,750
Latest rent: —
Photo unavailable
106 Springdale Ave
sold · 0.08 mi
Price: $55,000
3 bd / 1 ba · 1,338 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
220 Woodland Dr
sold · 0.09 mi
Price: $88,900
4 bd / 2 ba
Latest sale: $88,900
Latest rent: —
Photo unavailable
236 Ridgeway Rd
sold · 0.09 mi
Price: $137,000
3 bd / 2 ba · 1,206 sqft
Latest sale: $137,000
Latest rent: —
Photo unavailable
123 Westbrook Rd
sold · 0.12 mi
Price: $97,500
3 bd / 2 ba · 1,427 sqft
Latest sale: $97,500 on May 04, 2018
Latest rent: $1,240 on Jan 24, 2024
Photo unavailable
102 Oak Ave
sold · 0.12 mi
Price: $104,000
2 bd / 2 ba · 1,316 sqft
Latest sale: $104,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or unverified and will need verification/installation.
- Electrical panel and GFCI protection locations are not photographed; assume electrical system is typical for a 1952 house that has had updates but may require GFCI outlets in kitchen/bath if not already present.
- Water heater is operational; visible venting suggests gas water heater but age/condition not verified.
- Porch railings and stair attachments are secure despite visible paint wear; structural instability is not indicated in photos.
- No active roof leaks or interior water damage exist beyond what is shown (ceilings appear generally sound).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $592 | $109,500 | $10,960 |
| 2023 | $561 | $102,200 | $10,220 |
| 2022 | $532 | $97,400 | $9,740 |
| 2021 | $403 | $75,900 | $7,600 |
| 2020 | $454 | $84,300 | $8,440 |
| 2019 | $390 | $73,800 | $7,380 |
| 2018 | $426 | $79,800 | $7,980 |
| 2017 | $426 | $79,800 | $7,980 |
| 2016 | $426 | $79,800 | $7,980 |
| 2015 | $426 | $79,800 | $7,980 |
| 2013 | $420 | $77,900 | $7,800 |
| 2012 | $429 | $79,400 | $7,940 |
| 2011 | $437 | $80,700 | $8,070 |
| 2010 | $437 | $80,700 | $8,070 |
| 2009 | $437 | $80,700 | $8,070 |
| 2008 | $447 | $82,500 | $8,250 |
| 2007 | $440 | $81,300 | $8,130 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-28 | Price Changed | $114,500 |
| 2025-11-18 | Price Changed | $119,900 |
| 2025-10-24 | Price Changed | $129,900 |
| 2025-10-17 | Listed | $133,500 |
| 2025-10-03 | Listing removed | $0 |
| 2025-03-22 | Listed | $134,900 |
| 2003-11-04 | Sold | $79,900 |
| 2001-10-24 | Sold | $57,500 |
| 1989-03-31 | Sold | $45,016 |
Photo Gallery
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"status": "for_sale",
"list_date": "2025-10-17T02:25:13Z",
"list_price": 114500,
"listing_id": "2987434973",
"last_update_date": "2026-02-16T01:36:12Z",
"last_status_change_date": "2025-10-17T02:25:13Z"
},
"event_name": "Price Changed",
"price_sqft": 120.02002002002003,
"source_name": "GreaterAlabamaMLS",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "21434378",
"price_change_percentage": null
},
{
"date": "2025-10-24",
"price": 129900,
"listing": {
"status": "for_sale",
"list_date": "2025-10-17T02:25:13Z",
"list_price": 114500,
"listing_id": "2987434973",
"last_update_date": "2026-02-16T01:36:12Z",
"last_status_change_date": "2025-10-17T02:25:13Z"
},
"event_name": "Price Changed",
"price_sqft": 130.03003003003002,
"source_name": "GreaterAlabamaMLS",
"price_change": -3600,
"days_after_listed": null,
"source_listing_id": "21434378",
"price_change_percentage": null
},
{
"date": "2025-10-17",
"price": 133500,
"listing": {
"status": "for_sale",
"list_date": "2025-10-17T02:25:13Z",
"list_price": 114500,
"listing_id": "2987434973",
"last_update_date": "2026-02-16T01:36:12Z",
"last_status_change_date": "2025-10-17T02:25:13Z"
},
"event_name": "Listed",
"price_sqft": 133.63363363363362,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21434378",
"price_change_percentage": null
},
{
"date": "2025-10-03",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-03-22T21:21:33Z",
"list_price": 134900,
"listing_id": "2979687349",
"last_update_date": "2025-10-01T00:32:32Z",
"last_status_change_date": "2025-10-03T07:54:30Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "195 days",
"source_listing_id": "21413267",
"price_change_percentage": null
},
{
"date": "2025-03-22",
"price": 134900,
"listing": {
"status": "off_market",
"list_date": "2025-03-22T21:21:33Z",
"list_price": 134900,
"listing_id": "2979687349",
"last_update_date": "2025-10-01T00:32:32Z",
"last_status_change_date": "2025-10-03T07:54:30Z"
},
"event_name": "Listed",
"price_sqft": 135.03503503503504,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21413267",
"price_change_percentage": "+68.84%"
},
{
"date": "2003-11-04",
"price": 79900,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.989989989989986,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "2001-10-24",
"price": 57500,
"listing": null,
"event_name": "Sold",
"price_sqft": 28.77877877877878,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1989-03-31",
"price": 45016,
"listing": null,
"event_name": "Sold",
"price_sqft": 22.53053053053053,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7019825243",
"generated_at": "2026-02-16T01:48:51.199593Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 78.7
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m968109588s-w1280.jpg",
"rent_price": 967.0,
"loan_amount": 91600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/120-Springdale-Ave_Hueytown_AL_35023_M70198-25243",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 114500.0,
"loan_term_years": 30,
"annual_cash_flow": 9001.34,
"mortgage_monthly": 609.42,
"payment_standard": 1408.0,
"total_amount_out": 22900.0,
"additional_photos": [
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m124196590s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m1357353229s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m2094920884s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m3167827668s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m2527133778s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m1296350050s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m4135710442s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m487300144s-w1280.jpg",
"https://ap.rdcpix.com/08a8a4480cf417dba92846b83074dad4l-m2213907884s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 69.38,
"monthly_cash_flow": 750.11,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property has central heating. Electric is chosen as the fuel type to align with the electric stove and water heater. Alabama Power is selected as the most likely provider for Hueytown.",
"utility": "heating",
"allowance": 76
},
{
"note": "The property has central cooling, which is electric. Alabama Power is selected as the most likely provider for the area.",
"utility": "cooling",
"allowance": 18
},
{
"note": "The property description specifies an electric water heater. Alabama Power is selected as the most likely provider.",
"utility": "water_heating",
"allowance": 46
},
{
"note": "The property description specifies an electric stove. Alabama Power is selected as the most likely provider.",
"utility": "cooking",
"allowance": 17
},
{
"note": "This covers general electric usage like lights and outlets. Alabama Power is selected as the most likely provider. The schedule line item implies refrigerator usage is included.",
"utility": "other_electric",
"allowance": 56
},
{
"note": "The property has public water. Based on its location in Jefferson County, Birmingham Water is a likely provider and the more expensive option among plausible choices.",
"utility": "water",
"allowance": 69
},
{
"note": "The property is connected to public sewer. The allowance is based on the fixed rate provided in the schedule for the unit size.",
"utility": "sewer",
"allowance": 125
},
{
"note": "Trash provider is not specified. 'Jefferson City' is selected as a reasonable default for a property within Jefferson County not explicitly covered by other municipalities in the schedule.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance and is assumed to be tenant-owned. This allowance is for a tenant-provided appliance.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance and is assumed to be tenant-owned. This allowance is for a tenant-provided appliance.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.39,
"down_payment_amount": 22900.0,
"property_tax_annual": 609.76,
"property_tax_monthly": 50.81,
"property_tax_increase": 0.03,
"utility_allowance_total": 441.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1688.33,
"property_management_monthly": 96.7,
"monthly_cash_flow_after_debt": 140.69,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "This 2-bed, 1-bath cottage is mostly turnkey for Section 8/HCV tenancy. Photos and listing indicate recent kitchen and bathroom renovations, new bedroom carpet and laminate flooring, a recent HVAC compressor (2025) and a 2014 roof. Major systems appear intact and no life‑threatening hazards are visible. Likely pass with a standard initial NSPIRE/HCV inspection after addressing a few small items commonly required: verify/install functioning smoke detectors (and CO alarms if required), confirm GFCI protection in kitchen/bath or install where required, and clear/repair minor exterior trip hazards and touch-up porch railings. Estimated time to rent-ready: under 30 days if detectors/GFCI work and small exterior fixes are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Interior appears recently updated: new kitchen countertops, new dishwasher, renovated bathroom shower and vanity, fresh paint, new carpet in bedrooms and laminate in living area. No visible damaged drywall, major flooring defects, or collapsed surfaces. Minor deferred items visible: porch stairs and railing need paint/touch-up, small yard cleanup and leaf/debris removal, a few trim/cabinet hardware touch-ups. Missing major appliances are not an issue (stove and dishwasher present). Overall mostly cosmetic and easily fixed items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "No obvious life-threatening hazards in photos: windows appear present in bedrooms (egress likely adequate), entry door has two locks (knob + secondary lock visible), no exposed live wiring or open junctions seen. Plumbing fixtures and hot water heater are present. Potential inspection issues not visible in photos: smoke detectors/carbon monoxide detectors are not shown (likely required), GFCI protection at kitchen outlets not verifiable, electrical panel not photographed. Porch railings and stair risers exist but should be checked for stability. No visible mold, active water intrusion, or major structural cracking. These unknowns reduce the safety score slightly but there are no observed severe hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 85.0,
"rationale": "Listing states HVAC new in 2020 with brand new compressor in 2025 — indicates functional heating/cooling. Roof replaced in 2014 with no visible sagging or active leaks in interior photos. Water heater present (appears correctly vented) and laundry hookups visible. Electrical panel not shown; no visible knob-and-tube or exposed wiring in photos. Given recent HVAC work and renovated bathroom/kitchen, major systems appear serviceable. Unknowns: age/condition of electrical panel and hot-water tank internals, and verification of HVAC operation on inspection."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior vinyl siding looks intact and low-maintenance; porch and railings in place. Foundation appears painted and generally sound with basement/window well present. Driveway and walkway show minor cracking and some trip/vegetation debris near walkway that should be cleared. Yard shows moderate overgrowth/leaf debris but no obvious infestation or standing water. Gutters appear present. Overall exterior is in good condition with routine cleaning/paint and minor walkway repairs recommended."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or unverified and will need verification/installation.",
"Electrical panel and GFCI protection locations are not photographed; assume electrical system is typical for a 1952 house that has had updates but may require GFCI outlets in kitchen/bath if not already present.",
"Water heater is operational; visible venting suggests gas water heater but age/condition not verified.",
"Porch railings and stair attachments are secure despite visible paint wear; structural instability is not indicated in photos.",
"No active roof leaks or interior water damage exist beyond what is shown (ceilings appear generally sound)."
],
"overall_score": 83.0,
"rubric_version": "1.0"
},
{
"summary": "This 2BR/1BA cottage is largely turnkey for a Housing Choice Voucher initial inspection with recent mechanical updates (HVAC compressor 2025), a sound-looking roof (2014), new bathroom fixtures and refreshed interiors. The most likely inspection fails are life-safety device omissions: no visible smoke detectors or carbon monoxide alarm and no clearly visible GFCI protection in kitchen/bath. Other issues are cosmetic or quick repairs (porch step paint, trim touch-ups, removal of vegetation against foundation). If smoke/CO alarms and required GFCI protection are installed and minor exterior/trim items addressed, the property has a high likelihood of passing an initial NSPIRE/HCV inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently renovated: fresh paint, new bathroom shower and vanity, new carpet in bedrooms, laminate/vinyl floors in main areas, kitchen countertops and backsplash updated, dishwasher and stove present. Minor deferred items visible: porch/step paint wear, some trim scuffs and landscaping overgrowth against foundation. No obvious collapsed finishes or widespread water damage. Missing small cosmetic fixes (touch-up paint, front step repaint, minor trim/cabinet hinge adjustment). Missing appliances (washer/dryer) are not an inspection-fail and do not heavily affect score."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Photos show intact ceilings, secure-looking entry door with two locks, handrails on front steps, functioning plumbing fixtures and visible hot water heater. Egress windows appear present in bedrooms. However, no smoke detectors or carbon monoxide alarm are visible in any interior photos (NSPIRE requires smoke detectors on each level and outside sleeping areas; CO alarm required where fuel-burning appliances are present). No GFCI outlets are visible in kitchen/bath photos. There is a loose cable/wire visible near the kitchen counter (likely low-voltage) but no clear exposed high-voltage wiring or missing panel cover observed. These missing/uncertain life-safety devices create a moderate risk of failing an initial HCV inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing)",
"score": 85.0,
"rationale": "Major systems appear serviceable: listing states HVAC installed 2020 with a new compressor in 2025 (recent), roof replaced 2014, and a water heater is present and appears properly installed/vented. Kitchen appliances (electric range, dishwasher) present. No visible active leaks, rust, or signs of system failure in photos. Electrical panel and GFCI status not shown, so score reflects strong visible evidence for mechanical systems but some unknowns remain."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Vinyl siding and gutters look intact, front porch and railing present, driveway and sidewalk largely serviceable. Foundation (painted block) visible with no obvious major cracks or settlement in provided photos. Minor concerns: landscaping/plantings tight against foundation which can drive moisture, small concrete irregularity/possible trip hazard on walk leading to steps, and paint/wear on porch steps that should be addressed for safety and durability."
}
],
"red_flags": [
"No visible smoke detectors on any photographed levels or outside sleeping areas — likely an HCV/NSPIRE fail if absent.",
"No visible carbon monoxide alarm (required where fuel-burning appliances are present) — potential fail.",
"No clearly visible GFCI outlets in kitchen or bathroom — may fail local code/NSPIRE checks.",
"Loose cable/wire in kitchen area (low-voltage) should be secured; any exposed electrical would be a hazard."
],
"confidence": 0.75,
"assumptions": [
"Photos are representative of the whole unit and there are no concealed active leaks, roof leaks, or major mold areas not shown.",
"No smoke detectors or CO alarms were present in the unit (none visible in photos); if they exist they were not photographed.",
"Electrical panel is intact and up to code; no visible exposed high-voltage wiring beyond the low-voltage cable in the kitchen photo.",
"Water heater is operational and properly vented (visible vent/connection in utility area); hot water is available.",
"Windows in bedrooms meet egress size requirements (double-hung windows appear adequate from photos).",
"Kitchen and bathroom fixtures and appliances shown are in working condition unless otherwise noted in listing.",
"No recent pest infestation or structural foundation movement beyond what is visible in exterior photos."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2-bed, 1-bath cottage appears largely turnkey for Section 8 / HCV tenancy: recent interior renovations, functioning kitchen appliances (range and dishwasher), new HVAC compressor (2025), and a present water heater and laundry hookups. Major systems look satisfactory and the exterior envelope is in good condition. The primary inspection risk is missing/unclear life-safety items (smoke and CO alarms, GFCI outlets) and a small amount of minor finish work (securing loose wiring, minor exterior/landscaping cleanup). If smoke/CO detectors and GFCI protection are installed and the minor wiring/finish items are addressed, the property is likely to pass an initial NSPIRE/HCV inspection with minimal work (within 1–2 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Visible Repairs",
"score": 88.0,
"rationale": "Interior appears recently updated: remodeled kitchen and bath, new bathroom vanity and shower, new carpeting in bedrooms, laminate flooring in main areas. Appliances shown include range and dishwasher; refrigerator not shown but missing fridge is not a fatal issue. Cosmetic items minimal (paint, minor landscaping). Exterior paint on stairs/rails is chipped in places but structurally intact. Overall turnkey with only minor cosmetic/finish work likely required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible in the photos and create inspection risk: no smoke detectors are visible in living areas or bedrooms, and no carbon monoxide alarm is visible (water heater appears to be gas). GFCI protection at kitchen counters/near sink is not clearly visible. Entry door shows a separate deadbolt/lock which is good. Bedrooms have windows that appear to provide egress. No obvious exposed live wiring or collapsed ceilings were observed, but a loose cable/wire is visible near the fridge space in the kitchen and should be secured. Because absence of required alarms would cause an automatic fail, this criterion is lowered until detectors/GFCI are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 85.0,
"rationale": "Mechanical evidence is strong: HVAC was reportedly new in 2020 with a brand new compressor in 2025 (listing), vents visible in ceilings. Water heater is present and appears recently installed (tags visible) and laundry hookups and dryer vent are present. Roof replaced in 2014 per listing; no visible active leaks or ceiling stains. Electrical panel not shown, but visible outlets and ceiling fixtures appear intact. Overall systems look serviceable; verify panel labeling and test HVAC and hot water during inspection."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 80.0,
"rationale": "Vinyl siding and covered front porch look in good condition. Porch has a guardrail/handrail and steps with a railing; concrete walk and driveway show typical age-related wear and a couple of small trip/settlement spots and some vegetation encroachment. Foundation vents/windows appear intact. Yard and site show typical minor maintenance needs only."
}
],
"red_flags": [
"No visible smoke detectors in living areas/bedrooms (automatic fail risk under NSPIRE if not present).",
"No visible carbon monoxide detector (required where gas appliances are present).",
"GFCI outlet protection at kitchen counters not clearly visible — potential electrical compliance issue."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and a carbon monoxide alarm are not visible in photos; assume they are not installed or not readily verifiable and will need confirmation or installation.",
"Electrical service/panel is present and in generally good condition (panel not shown); no obvious signs of major electrical hazards were observed in photos.",
"Hot water and plumbing are operational based on presence of a recently installed water heater and intact plumbing fixtures; assume functioning until on-site test.",
"Bedrooms’ windows provide required egress based on size/appearance in photos; assume they meet local egress dimensions but recommend field verification.",
"Roof reported replaced in 2014 (listing) and shows no visible active leaks; assume roof is serviceable but recommend routine inspection for age-related wear.",
"Appliances shown (range, dishwasher) are functional; refrigerator not pictured — assume landlord will supply or tenant will provide; missing fridge is not treated as an automatic fail.",
"Loose cable/wire seen near the kitchen counter is low-risk (likely phone/cable) but will need securing; assume no exposed live wiring behind cabinets."
],
"overall_score": 78.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "120 Springdale Ave, Hueytown, AL, 35023",
"aggregate": {
"summary": "This 2-bed, 1-bath cottage is mostly turnkey for Section 8/HCV tenancy. Photos and listing indicate recent kitchen and bathroom renovations, new bedroom carpet and laminate flooring, a recent HVAC compressor (2025) and a 2014 roof. Major systems appear intact and no life‑threatening hazards are visible. Likely pass with a standard initial NSPIRE/HCV inspection after addressing a few small items commonly required: verify/install functioning smoke detectors (and CO alarms if required), confirm GFCI protection in kitchen/bath or install where required, and clear/repair minor exterior trip hazards and touch-up porch railings. Estimated time to rent-ready: under 30 days if detectors/GFCI work and small exterior fixes are completed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 83.7,
"rationale": "Interior appears recently updated: new kitchen countertops, new dishwasher, renovated bathroom shower and vanity, fresh paint, new carpet in bedrooms and laminate in living area. No visible damaged drywall, major flooring defects, or collapsed surfaces. Minor deferred items visible: porch stairs and railing need paint/touch-up, small yard cleanup and leaf/debris removal, a few trim/cabinet hardware touch-ups. Missing major appliances are not an issue (stove and dishwasher present). Overall mostly cosmetic and easily fixed items."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior vinyl siding looks intact and low-maintenance; porch and railings in place. Foundation appears painted and generally sound with basement/window well present. Driveway and walkway show minor cracking and some trip/vegetation debris near walkway that should be cleared. Yard shows moderate overgrowth/leaf debris but no obvious infestation or standing water. Gutters appear present. Overall exterior is in good condition with routine cleaning/paint and minor walkway repairs recommended."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life-threatening hazards in photos: windows appear present in bedrooms (egress likely adequate), entry door has two locks (knob + secondary lock visible), no exposed live wiring or open junctions seen. Plumbing fixtures and hot water heater are present. Potential inspection issues not visible in photos: smoke detectors/carbon monoxide detectors are not shown (likely required), GFCI protection at kitchen outlets not verifiable, electrical panel not photographed. Porch railings and stair risers exist but should be checked for stability. No visible mold, active water intrusion, or major structural cracking. These unknowns reduce the safety score slightly but there are no observed severe hazards."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 85.0,
"rationale": "Listing states HVAC new in 2020 with brand new compressor in 2025 — indicates functional heating/cooling. Roof replaced in 2014 with no visible sagging or active leaks in interior photos. Water heater present (appears correctly vented) and laundry hookups visible. Electrical panel not shown; no visible knob-and-tube or exposed wiring in photos. Given recent HVAC work and renovated bathroom/kitchen, major systems appear serviceable. Unknowns: age/condition of electrical panel and hot-water tank internals, and verification of HVAC operation on inspection."
}
],
"red_flags": [],
"confidence": 0.85,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or unverified and will need verification/installation.",
"Electrical panel and GFCI protection locations are not photographed; assume electrical system is typical for a 1952 house that has had updates but may require GFCI outlets in kitchen/bath if not already present.",
"Water heater is operational; visible venting suggests gas water heater but age/condition not verified.",
"Porch railings and stair attachments are secure despite visible paint wear; structural instability is not indicated in photos.",
"No active roof leaks or interior water damage exist beyond what is shown (ceilings appear generally sound)."
],
"score_method": "mean_of_criteria",
"overall_score": 78.7,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7019825243"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.