Property ID: 7043190988
1416 47th Street Ensley, Birmingham, AL, 35208
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$4,400
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$110,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 67.50%
Confidence: 95.00%
Overall the property presents as structurally sound and largely turnkey with recent roof and window replacements and intact brick envelope. Major systems (HVAC) appear present and the interior photos show clean finishes. Primary inspection risks are safety items that would likely cause an initial NSPIRE/Section 8 fail: no visible smoke/CO detectors, missing handrails on exterior stairs, and an unguarded elevated deck/pergola. Other issues (driveway cracking, deteriorated detached garage, possible missing appliance verification) are moderate and repairable within a short timeline. With targeted fixes (install/verify smoke & CO alarms, add required handrails and guardrails, secure garage, remediate minor exterior trip hazards), the unit is likely to pass an initial Housing Choice Voucher inspection within 1-4 weeks.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$110,000
Beds
3
Baths
1
Living Area
2,922 sqft
Lot Size
6,970 sqft
Year Built
1926
Days on Market
56
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
This classic brick home is full of character and potential! Featuring 3 spacious bedrooms and a large bathroom, this property offers comfortable living with room to make it your own. The welcoming front porch, detailed brickwork, and vintage charm make it stand out from the rest. Located in a growing area of Birmingham, this home is perfect for investors or buyers looking to renovate and add value. The downstairs features an unfinished basement-ideal for extra storage. Just minutes from downtown Birmingham, UAB, and local shops and restaurants, this property combines convenience with opportunity. Roof 5/2021 Windows 10/2022
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$826
DP3 Annual Estimate$1,140
DP1 Monthly Equivalent$69
DP3 Monthly Equivalent$95
Replacement Value$110,000
Basis2,922 sqft / 1926
Nearby Houses
Photo unavailable
1420 47th Street Ensley
for_sale · 0.02 mi
Price: $154,900
4 bd / 2 ba · 1,526 sqft
Latest sale: $68,000
Latest rent: —
Photo unavailable
1411 46th Street Ensley
sold · 0.03 mi
Price: $145,000
3 bd / 2 ba · 2,785 sqft
Latest sale: $145,000
Latest rent: —
Photo unavailable
1401 46th Street Ensley
sold · 0.04 mi
Price: $67,000
3 bd / 1 ba · 1,089 sqft
Latest sale: $67,000
Latest rent: —
Photo unavailable
1424 47th Street Ensley W
sold · 0.04 mi
Price: $85,000
3 bd / 1 ba · 1,550 sqft
Latest sale: $85,000
Latest rent: —
Photo unavailable
1425 47th Street Ensley
sold · 0.05 mi
Price: $7,760
2 bd / 1 ba
Latest sale: $7,760
Latest rent: —
Photo unavailable
1410 46th Street Ensley
off_market · 0.07 mi
Price: $64,900
2 bd / 1 ba · 1,200 sqft
Latest sale: $57,000
Latest rent: —
Photo unavailable
1412 46th Street Ensley
sold · 0.07 mi
Price: $64,700
3 bd / 1 ba · 1,558 sqft
Latest sale: $64,700
Latest rent: —
Photo unavailable
4716 Avenue N
sold · 0.07 mi
Price: $115,000
3 bd / 2 ba · 1,810 sqft
Latest sale: $115,000
Latest rent: —
Photo unavailable
1420 46th Street Ensley
sold · 0.07 mi
Price: $67,900
3 bd / 3 ba · 1,748 sqft
Latest sale: $67,900
Latest rent: —
Photo unavailable
1424 46th St
sold · 0.07 mi
Price: $70,061
3 bd / 1 ba · 1,074 sqft
Latest sale: $70,061
Latest rent: —
Photo unavailable
1332 47th Street Ensley
sold · 0.08 mi
Price: $137,000
3 bd / 2 ba · 1,083 sqft
Latest sale: $137,000
Latest rent: —
Photo unavailable
4720 Avenue N
sold · 0.08 mi
Price: $79,000
2 bd / 1 ba · 1,176 sqft
Latest sale: $79,000
Latest rent: —
Photo unavailable
1443 46th Street Ensley
sold · 0.08 mi
Price: $85,000
3 bd / 2 ba · 1,229 sqft
Latest sale: $85,000
Latest rent: —
Photo unavailable
4717 Terrace M
sold · 0.08 mi
Price: $66,250
3 bd / 2 ba · 912 sqft
Latest sale: $66,250
Latest rent: —
Photo unavailable
1340 46th Street Ensley
sold · 0.09 mi
Price: $69,900
3 bd / 2 ba · 2,211 sqft
Latest sale: $69,900
Latest rent: —
Photo unavailable
1415 45th Street Ensley
sold · 0.10 mi
Price: $60,000
3 bd / 1 ba · 1,198 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
1332 46th Street Ensley
sold · 0.10 mi
Price: $75,000
3 bd / 2 ba · 1,622 sqft
Latest sale: $75,000
Latest rent: —
Photo unavailable
1437 45th Street Ensley
sold · 0.12 mi
Price: $65,000
3 bd / 2 ba · 1,851 sqft
Latest sale: $65,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Missing handrail on front walkway/street steps (multiple steps) — likely NSPIRE failure
- Missing handrail/guardrail on backyard deck/pergola at elevated drop — likely NSPIRE failure
- No visible smoke detectors or CO alarms in interior photos — required and likely fail if absent
- Detached garage appears open/deteriorated with missing/unstable doors — potential safety and trip/hazard issue
Assumptions
- Listing statement that roof was replaced in 5/2021 and windows in 10/2022 is accurate; photos corroborate new-looking roof and windows.
- Interior kitchen, bathroom, electrical panel, water heater and smoke/CO alarms are not visible in provided photos; their presence and condition are unverified.
- An outdoor AC condenser visible in photos indicates the property has central HVAC (heating likely present), but operation is untested.
- Bedrooms and required egress windows are assumed typical for a 3-bed older bungalow but not individually verified from photos.
- Basement is unfinished per listing and likely used for storage; condition below-grade (moisture, structural) is unverified.
- Detached garage/shed and backyard pergola are included in the site assessment though they may be considered accessory structures and scored accordingly.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2023 | $793 | $119,300 | $11,940 |
| 2022 | $563 | $87,500 | $8,760 |
| 2021 | $563 | $87,500 | $8,760 |
| 2020 | $563 | $87,500 | $8,760 |
| 2019 | $563 | $87,500 | $8,760 |
| 2018 | $472 | $75,000 | $7,500 |
| 2017 | $472 | $75,000 | $7,500 |
| 2016 | $472 | $75,000 | $7,500 |
| 2015 | $472 | $75,000 | $7,500 |
| 2013 | $447 | $73,900 | $7,400 |
| 2012 | $416 | $69,450 | $6,945 |
| 2011 | $423 | $70,600 | $7,060 |
| 2010 | $465 | $76,600 | $7,660 |
| 2009 | $433 | $72,000 | $7,200 |
| 2008 | $445 | $73,700 | $7,370 |
| 2007 | $438 | $72,700 | $7,270 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-22 | Listed | $110,000 |
| 2005-05-03 | Sold | $45,000 |
| 2005-02-18 | Listed | $39,000 |
| 1998-05-08 | Sold | $62,000 |
Photo Gallery
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "256461",
"price_change_percentage": "-37.10%"
},
{
"date": "1998-05-08",
"price": 62000,
"listing": null,
"event_name": "Sold",
"price_sqft": 44.15954415954416,
"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": "7043190988",
"generated_at": "2026-02-16T02:25:06.877642Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.5
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property presents as structurally sound and largely turnkey with recent roof and window replacements and intact brick envelope. Major systems (HVAC) appear present and the interior photos show clean finishes. Primary inspection risks are safety items that would likely cause an initial NSPIRE/Section 8 fail: no visible smoke/CO detectors, missing handrails on exterior stairs, and an unguarded elevated deck/pergola. Other issues (driveway cracking, deteriorated detached garage, possible missing appliance verification) are moderate and repairable within a short timeline. With targeted fixes (install/verify smoke & CO alarms, add required handrails and guardrails, secure garage, remediate minor exterior trip hazards), the unit is likely to pass an initial Housing Choice Voucher inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior brick and recent roof (2021) and windows (2022 per listing) appear in good condition. Interior photos show intact hardwood floors and painted walls with minimal visible cosmetic damage. Driveway has multiple large cracks and the detached garage/shed and backyard pergola look worn and partially open/unfinished. Minor capital repairs likely (driveway, garage doors, deck/porch painting and sealing). Missing interior photos of kitchen/bath limit full assessment; absence of shown appliances reduces score slightly but not heavily penalized."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Significant safety risks visible or not-verifiable: no smoke or CO alarms are visible in photos (likely required), exterior front steps from sidewalk (6 steps) and side/driveway steps have no handrails, and the backyard pergola/deck at the retaining wall lacks a guardrail—these are likely NSPIRE failures. The front porch has a low brick guard but no handrail on the stair run. No exposed high-voltage wiring seen on the house exterior, and windows appear adequate for egress but bedrooms are not pictured to confirm. Plumbing, hot water, and electrical panel/GFCI presence are unverified from photos."
},
{
"key": "systems_mechanical",
"label": "Major building systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Roof and windows are recently replaced (listed 2021 and 2022 respectively) and appear in good shape. An exterior HVAC condenser is visible at the foundation indicating central HVAC likely present. No evidence of active roof leaks or structural sagging in photos. Electrical panel, hot water heater, and plumbing operation are not shown; therefore assumed functional but unverified. Detached garage structure looks degraded and may have electrical or safety issues if connected."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Brick envelope looks solid; foundation shows no obvious major cracks in provided photos. Driveway and concrete apron have multiple large cracks and settlement; the detached garage is partially open and weathered. Yard slopes downward from street — drainage away from structure appears adequate but not fully verifiable. Steps from street to porch lack handrails which is both a safety and site-quality issue. Some site improvements (driveway repairs, garage repair/secure door, guardrail at deck) are needed."
}
],
"red_flags": [
"Missing handrail on front walkway/street steps (multiple steps) — likely NSPIRE failure",
"Missing handrail/guardrail on backyard deck/pergola at elevated drop — likely NSPIRE failure",
"No visible smoke detectors or CO alarms in interior photos — required and likely fail if absent",
"Detached garage appears open/deteriorated with missing/unstable doors — potential safety and trip/hazard issue"
],
"confidence": 0.7,
"assumptions": [
"Listing statement that roof was replaced in 5/2021 and windows in 10/2022 is accurate; photos corroborate new-looking roof and windows.",
"Interior kitchen, bathroom, electrical panel, water heater and smoke/CO alarms are not visible in provided photos; their presence and condition are unverified.",
"An outdoor AC condenser visible in photos indicates the property has central HVAC (heating likely present), but operation is untested.",
"Bedrooms and required egress windows are assumed typical for a 3-bed older bungalow but not individually verified from photos.",
"Basement is unfinished per listing and likely used for storage; condition below-grade (moisture, structural) is unverified.",
"Detached garage/shed and backyard pergola are included in the site assessment though they may be considered accessory structures and scored accordingly."
],
"overall_score": 67.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "This brick bungalow appears structurally sound with recent roof and window replacements and well-presented interior hardwood floors — overall a mostly cosmetic/refinish condition. Primary inspection risks are safety-code items that are not visible or are deficient: missing handrail at front stairs, no visible smoke/CO detectors, and a dilapidated detached garage/covered structure and unguarded elevated deck/retaining-wall area. Major building systems (roof, windows, HVAC condenser visible) look acceptable, but electrical panel, GFCI protection, hot water, and smoke/CO alarms need verification/likely correction before a Section 8 (NSPIRE) initial inspection will pass. With targeted safety fixes (handrail, alarms, repair/remove unsafe outbuilding, add guardrail at raised deck, verify GFCI and panel), the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recently painted walls and refinished hardwood floors and generally clean rooms; cosmetic condition appears good. Exterior brick is intact and roof (2021) and windows (2022) were updated per listing. Observable repair items: peeling paint on porch ceiling, concrete driveway and apron cracks, front entry stairs lack a handrail, and a detached garage/storage structure is in visibly poor condition. Kitchen and appliances are not shown; lack of visible stove/refrigerator in photos reduces readiness slightly but is not a catastrophic issue."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible or are probable concerns: no smoke detectors or CO alarms are visible in interior photos; front entry stairs lack a handrail (likely a fail for exterior stairs with multiple risers); raised outdoor gazebo/wood deck sits on a retaining wall with no visible guardrail - fall hazard; detached garage appears partially open and in disrepair (possible structural / trip hazard). Overhead service lines cross the driveway (visible) but do not appear immediately unsafe. No visible active roof leaks or interior water stains. GFCI and electrical panel location not shown. Because multiple required safety items are missing or unverified, risk of inspection failure is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing indicates roof replaced 5/2021 and windows 10/2022; exterior photos show a recent-looking roof and new windows. A condenser/AC unit is visible beside the house indicating forced-air cooling/heat pump or split system likely exists. Water heater, hot water availability, electrical panel condition and plumbing functionality are not shown. Basement is unfinished (storage) — potential for moisture issues but no visible signs of active water intrusion in provided images. Overall systems look intact but critical items cannot be confirmed from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Brick exterior and foundation appear sound in photos; lot slopes with a long driveway and visible cracking in driveway concrete. Detached garage/carport is in poor condition (weathered wood, open face) and may require repair or demolition. Retaining wall and patio/gazebo area present an unguarded drop in places. Landscaping is minimal but not overgrown; no obvious infestation evidence in photos. Drainage away from foundation is not clearly shown; gutters present on rooflines in photos."
}
],
"red_flags": [
"Front exterior entry stairs missing a handrail (likely an NSPIRE fail).",
"No visible smoke detectors or CO alarms in interior photos (required item).",
"Detached garage/carport structure is dilapidated/open and may be a structural/trip hazard.",
"Unguarded raised deck/gazebo area on retaining wall — fall hazard.",
"Concrete driveway and apron exhibit significant cracking and uneven surfaces (trip hazard)."
],
"confidence": 0.7,
"assumptions": [
"Roof replaced in 05/2021 and windows replaced in 10/2022 per listing are accurate and in good condition as shown in photos.",
"An outdoor condenser unit visible in photos indicates an operational forced-air HVAC system is present; full heating function not verified.",
"Kitchen appliances (stove/fridge) are not shown; assume they may not be present or were removed prior to photos — missing appliances reduce readiness but are not automatic safety fails.",
"Smoke detectors, carbon monoxide alarms, GFCI outlets, electrical panel condition, water heater and hot water operation are not visible in provided photos and are assumed unverified.",
"Basement is unfinished and used for storage per listing; no visible interior water stains or active leaks were seen in photos, so no active flooding assumed.",
"Front entry door is lockable but presence of a deadbolt is not visible and therefore not confirmed.",
"Detached garage structure shown is assumed to be in poor/unsafe condition based on visible open framing and weathering."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This brick bungalow is in generally good, rentable condition with recent roof and window replacements and intact interior finishes. Major building envelope items look sound and a central AC unit is visible. The most likely inspection holds are missing/undocumented smoke and CO detectors, absent handrails at exterior steps/steep paths, deteriorated detached garage structure, and unconfirmed GFCI protection and hot water/electrical panel condition. With the installation of required detectors, repair/installation of handrails, minor concrete/driveway repairs, and basic repairs to the detached garage/door, the property is likely to pass a Housing Choice Voucher (Section 8) inspection within ~30 days. If smoke/CO detectors or a functioning hot water system are absent, those should be corrected immediately before inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior and exterior photos show generally sound surfaces and recent major envelope updates (roof 2021, windows 2022). Hardwood floors are worn but intact and walls appear freshly painted. Cosmetic repairs likely only: floor refinishing/spot-sanding, porch and step paint touch-up, repair/replace garage doors and minor concrete repair at driveway. No evidence of collapsed ceilings, large holes in walls, or exposed subfloor. Missing kitchen/bath photos prevent confirmation of appliances and fixture condition; absence of visible appliances lowers score slightly but is not a fatal issue."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE code risk",
"score": 60.0,
"rationale": "Several safety-related items are not visible or are marginal: no smoke detectors or CO alarms are visible in photos (common automatic fail in inspections if not present/operational). Front exterior steps to the house and walk from sidewalk appear to lack a handrail where riser count/height likely triggers code requirement — this is a likely Section 8 fail until addressed. The porch has a solid brick guardrail which appears intact. No obvious exposed electrical wiring or active roof leaks visible. GFCI receptacles in kitchen/bath cannot be confirmed from photos. Steep cracked driveway and open/deteriorated rear carport present trip/fall and structural safety risk. Plumbing fixtures, hot-water availability, and functioning smoke/CO detectors are unverified and thus reduce the pass-likelihood score."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof/HVAC/electrical/plumbing)",
"score": 70.0,
"rationale": "Roof replaced in 5/2021 and appears in good condition in multiple exterior photos; windows replaced 10/2022. An exterior A/C condenser is visible at the side of the house, indicating central HVAC likely present. No water heater, furnace, electrical panel, or meter photos were provided so their condition is assumed but unconfirmed. No visible signs of active water intrusion, sagging rooflines, or chimney failure. The lack of direct evidence for water heater and electrical panel reduces the score moderately despite strong roof/windows condition."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 65.0,
"rationale": "Brick exterior appears structurally sound and well maintained. Gutters are present. The front yard is sloped and the driveway is cracked with visible large joints; the detached carport/garage is weathered with partial enclosure and aged doors — this structure shows deterioration and possible structural/infestation concern that should be addressed before tenant occupancy. Retaining wall near backyard patio looks intact but older. Driveway slope and lack of guardrails/handrails at transitions create trip/fall risk that may be cited on inspection."
}
],
"red_flags": [
"No visible smoke detectors / CO alarms in interior photos — likely automatic fail if absent or non-functional.",
"Front exterior steps and some yard transitions appear to lack a handrail where riser/height likely requires one — unsafe stairs / missing handrails.",
"Deteriorated / partially open detached garage / carport — potential structural risk and weather/infestation exposure.",
"Cracked, steep driveway and exposed slope with limited guardrail/handrail protection — trip/fall hazard for tenants.",
"Kitchen, bathroom fixtures, water heater and electrical panel not documented in photos — unknowns that can cause inspection failures if defective or missing."
],
"confidence": 0.65,
"assumptions": [
"No interior photos provided of kitchen, bathroom, electrical panel, water heater or bedrooms; their condition is unknown.",
"Listing indicates roof replaced 5/2021 and windows 10/2022 — these dates are accepted and photos corroborate generally good condition.",
"An exterior A/C condenser visible in a side photo is assumed to represent a functioning central HVAC system but operational status is untested.",
"Smoke detectors, CO alarms, GFCI protected outlets, and deadbolt presence are not visible; score reductions assume at least some of these items are missing or undocumented.",
"Basement is unfinished (listed) and may be used for storage; egress and moisture conditions in basement are unknown and assumed to be typical for an older unfinished basement without obvious severe issues in photos."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1416 47th Street Ensley, Birmingham, AL, 35208",
"aggregate": {
"summary": "Overall the property presents as structurally sound and largely turnkey with recent roof and window replacements and intact brick envelope. Major systems (HVAC) appear present and the interior photos show clean finishes. Primary inspection risks are safety items that would likely cause an initial NSPIRE/Section 8 fail: no visible smoke/CO detectors, missing handrails on exterior stairs, and an unguarded elevated deck/pergola. Other issues (driveway cracking, deteriorated detached garage, possible missing appliance verification) are moderate and repairable within a short timeline. With targeted fixes (install/verify smoke & CO alarms, add required handrails and guardrails, secure garage, remediate minor exterior trip hazards), the unit is likely to pass an initial Housing Choice Voucher inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Exterior brick and recent roof (2021) and windows (2022 per listing) appear in good condition. Interior photos show intact hardwood floors and painted walls with minimal visible cosmetic damage. Driveway has multiple large cracks and the detached garage/shed and backyard pergola look worn and partially open/unfinished. Minor capital repairs likely (driveway, garage doors, deck/porch painting and sealing). Missing interior photos of kitchen/bath limit full assessment; absence of shown appliances reduces score slightly but not heavily penalized."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Brick envelope looks solid; foundation shows no obvious major cracks in provided photos. Driveway and concrete apron have multiple large cracks and settlement; the detached garage is partially open and weathered. Yard slopes downward from street — drainage away from structure appears adequate but not fully verifiable. Steps from street to porch lack handrails which is both a safety and site-quality issue. Some site improvements (driveway repairs, garage repair/secure door, guardrail at deck) are needed."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.7,
"rationale": "Significant safety risks visible or not-verifiable: no smoke or CO alarms are visible in photos (likely required), exterior front steps from sidewalk (6 steps) and side/driveway steps have no handrails, and the backyard pergola/deck at the retaining wall lacks a guardrail—these are likely NSPIRE failures. The front porch has a low brick guard but no handrail on the stair run. No exposed high-voltage wiring seen on the house exterior, and windows appear adequate for egress but bedrooms are not pictured to confirm. Plumbing, hot water, and electrical panel/GFCI presence are unverified from photos."
},
{
"key": "systems_mechanical",
"label": "Major building systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Roof and windows are recently replaced (listed 2021 and 2022 respectively) and appear in good shape. An exterior HVAC condenser is visible at the foundation indicating central HVAC likely present. No evidence of active roof leaks or structural sagging in photos. Electrical panel, hot water heater, and plumbing operation are not shown; therefore assumed functional but unverified. Detached garage structure looks degraded and may have electrical or safety issues if connected."
}
],
"red_flags": [
"Missing handrail on front walkway/street steps (multiple steps) — likely NSPIRE failure",
"Missing handrail/guardrail on backyard deck/pergola at elevated drop — likely NSPIRE failure",
"No visible smoke detectors or CO alarms in interior photos — required and likely fail if absent",
"Detached garage appears open/deteriorated with missing/unstable doors — potential safety and trip/hazard issue"
],
"confidence": 0.95,
"assumptions": [
"Listing statement that roof was replaced in 5/2021 and windows in 10/2022 is accurate; photos corroborate new-looking roof and windows.",
"Interior kitchen, bathroom, electrical panel, water heater and smoke/CO alarms are not visible in provided photos; their presence and condition are unverified.",
"An outdoor AC condenser visible in photos indicates the property has central HVAC (heating likely present), but operation is untested.",
"Bedrooms and required egress windows are assumed typical for a 3-bed older bungalow but not individually verified from photos.",
"Basement is unfinished per listing and likely used for storage; condition below-grade (moisture, structural) is unverified.",
"Detached garage/shed and backyard pergola are included in the site assessment though they may be considered accessory structures and scored accordingly."
],
"score_method": "mean_of_criteria",
"overall_score": 67.5,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7043190988"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.