Property ID: 7067774771
404 Federal Dr, Avondale, LA, 70094
Avondale, LA
Money Down: $36,000
CoC Return: 26.55%
Monthly Cash Flow: $797
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$30,000
Closing Costs
$6,000
Total Down
$36,000
Investment Snapshot
Purchase Price
$150,000
Money Down
$36,000
Cash-on-Cash Return
26.55%
Rent
$2,012
Monthly Cash Flow
$797
Annual Cash Flow
$9,559
Debt Service / Mo
$798
Property Tax / Mo
$112
Insurance / Mo
$103
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,012
Payment Standard
$2,328
Rent
$2,012
Insurance
$103
Property Tax
$112
Management
$201
Utilities Allowance
$316
NOI (Monthly)
$1,595
Debt Service
$798
Cash Flow After Debt
$797
Quality Score: 76.20%
Confidence: 50.00%
Overall the property appears in good, mostly move-in condition with recent cosmetic updates, functioning kitchen range, intact bathrooms, and a maintained exterior and fenced yard. Primary inspection risks are confirmatory items not visible in photos: presence/operation of water heater, electrical panel condition, GFCI outlets, carbon monoxide alarm (if required), and a secure deadbolt on the entry. These are likely easy-to-fix or quick-verification items. Based on images and listing, the home is likely to pass an initial HCV/NSPIRE inspection after addressing any missing alarms/outlet protections and confirming mechanical systems — estimated rent-ready with minor touch-ups within 1–4 weeks.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$316
Guaranteed Section 8 Rent (PS - Utilities)
$2,012
Property Management
$201
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$150,000
Beds
4
Baths
2
Living Area
1,327 sqft
Lot Size
5,040 sqft
Year Built
—
Days on Market
44
Capital Outlay
$36,000
Debt Service
$798
Property Tax / Mo
$112
Insurance / Mo
$103
Property Description
Charming 4-bedroom, 2-bath single-family home offering approximately 1,400 square feet of living space at an incredible value. This well-maintained brick home features a functional floor plan with spacious living areas, tile flooring throughout the main spaces, and updated wood flooring in the bedrooms. The kitchen offers ample cabinet storage, generous counter space, and an open flow into the dining area perfect for everyday living and entertaining. Neutral paint tones throughout create a bright and inviting atmosphere. Step outside to a large, fully fenced backyard with a covered patio ideal for gatherings, grilling, or relaxing outdoors. Additional storage shed included. Conveniently located in Avondale with easy access to major roadways, shopping, and local amenities.
Utility Allowances
Heating
$88
Selected 'electric_heat_pump' as the property has central cooling, making a heat pump a likely system.
Cooking
$19
Selected 'electric' as the fuel type was not specified. Electric was chosen as it is the more expensive option compared to natural gas.
Water Heating
$57
Selected 'electric' as the water heater type was not specified, chosen for consistency with other inferred electric systems.
Other Electric
$77
Standard allowance for lighting, outlets, and other miscellaneous electric uses for a 4-bedroom unit.
Water
$50
Property information explicitly states the water source is 'Public'.
Sewer
$0
Property information explicitly states the sewer system is 'Septic', so no public sewer allowance is provided.
Trash Collection
$25
Standard allowance for municipal trash collection service.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,241
DP3 Annual Estimate$1,241
DP1 Monthly Equivalent$103
DP3 Monthly Equivalent$103
Replacement Value$74,800
Basis1,327 sqft / 1980
Nearby Houses
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413 Capitol Dr
for_sale · 0.14 mi
Price: $175,000
4 bd / 2 ba · 1,143 sqft
Latest sale: —
Latest rent: —
Photo unavailable
218 Mission Ct Lot 58
for_sale · 0.14 mi
Price: $40,000
— bd / — ba · 5,500 sqft
Latest sale: —
Latest rent: —
Photo unavailable
228 Chapel Ln
off_market · 0.14 mi
Price: $1,490
4 bd / 2 ba · 1,450 sqft
Latest sale: — on Aug 06, 2025
Latest rent: $1,550 on Oct 09, 2025
Photo unavailable
224 Priest St
off_market · 0.19 mi
Price: $255,000
3 bd / 2 ba · 1,271 sqft
Latest sale: —
Latest rent: —
Photo unavailable
321 Travis Dr
for_sale · 0.21 mi
Price: $199,000
3 bd / 2 ba · 1,236 sqft
Latest sale: —
Latest rent: —
Photo unavailable
305 Layman St
for_sale · 0.22 mi
Price: $175,000
4 bd / 2 ba · 1,357 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Central HVAC exists and is operational (ceiling vents present); full service history unknown.
- Water heater is present and functioning though not visible in photos.
- Range/hood unit is present and appears operable; refrigerator is not present in photos and likely not included.
- Smoke detector shown is functional; additional detectors and CO alarm(s) may need installation to meet local code/NSPIRE.
- No concealed major foundation or roof issues exist beyond what is visible; photos show no sagging or large cracks.
- Covered patio and storage shed mentioned in listing exist though not photographed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,310 | $99,800 | $9,980 |
| 2024 | $1,306 | $99,800 | $9,980 |
| 2023 | $1,368 | $99,800 | $9,980 |
| 2022 | $1,335 | $99,800 | $9,980 |
| 2021 | $1,262 | $99,800 | $9,980 |
| 2020 | $1,253 | $99,800 | $9,980 |
| 2019 | $821 | $63,300 | $6,330 |
| 2018 | $768 | $63,300 | $6,330 |
| 2017 | $741 | $63,300 | $6,330 |
| 2016 | $728 | $63,300 | $6,330 |
| 2015 | $770 | $66,000 | $6,600 |
| 2014 | $1,006 | $87,200 | $8,720 |
| 2013 | $1,005 | $87,200 | $8,720 |
| 2012 | $140 | $87,200 | $8,720 |
| 2011 | $151 | $88,000 | $8,800 |
| 2010 | $1,000 | $88,000 | $8,800 |
| 2009 | $951 | $88,000 | $8,800 |
| 2008 | $950 | — | $8,800 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-24 | Listed | $150,000 |
| 2026-01-14 | Listing removed | $0 |
| 2025-08-11 | Listed | $180,000 |
| 2025-07-05 | Listing removed | $0 |
| 2025-06-08 | Price Changed | $185,000 |
| 2025-05-22 | Price Changed | $195,000 |
| 2025-01-03 | Listed | $197,000 |
| 2019-12-16 | Sold | $0 |
| 2019-12-13 | Listing removed | $0 |
| 2019-10-04 | Listing removed | $0 |
| 2019-09-03 | Listed for rent | $1,200 |
| 2018-12-18 | Listing removed | $0 |
| 2018-12-17 | Listing removed | $1,200 |
| 2018-10-24 | Listed for rent | $1,200 |
| 2017-11-10 | Listing removed | $1,200 |
| 2017-09-29 | Listed for rent | $1,200 |
| 2016-03-07 | Listing removed | $1,250 |
| 2016-01-29 | Listing removed | $110,000 |
| 2016-01-29 | Listed for rent | $1,250 |
| 2015-12-04 | Price Changed | $110,000 |
| 2015-08-25 | Listed | $119,500 |
| 2014-12-03 | Listing removed | $28,000 |
| 2014-11-06 | Listed | $28,000 |
| 2014-10-14 | Sold | $0 |
| 2006-10-19 | Sold | $0 |
Photo Gallery
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"Bedroom 3 Dimensions: 11' x 10.5'",
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"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m918648496s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m1618426504s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m1412946725s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m1010816742s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m462391660s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m2261507997s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m3041899983s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m1799419443s-w1280.jpg",
"https://ap.rdcpix.com/a0ddf7d25b54c6c3171ed7f5968f01a2l-m1939384267s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 103.42,
"monthly_cash_flow": 1594.94,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'electric_heat_pump' as the property has central cooling, making a heat pump a likely system.",
"utility": "Heating",
"allowance": 88
},
{
"note": "Selected 'electric' as the fuel type was not specified. Electric was chosen as it is the more expensive option compared to natural gas.",
"utility": "Cooking",
"allowance": 19
},
{
"note": "Selected 'electric' as the water heater type was not specified, chosen for consistency with other inferred electric systems.",
"utility": "Water Heating",
"allowance": 57
},
{
"note": "Standard allowance for lighting, outlets, and other miscellaneous electric uses for a 4-bedroom unit.",
"utility": "Other Electric",
"allowance": 77
},
{
"note": "Property information explicitly states the water source is 'Public'.",
"utility": "Water",
"allowance": 50
},
{
"note": "Property information explicitly states the sewer system is 'Septic', so no public sewer allowance is provided.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Standard allowance for municipal trash collection service.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.64,
"down_payment_amount": 30000.0,
"property_tax_annual": 1349.3,
"property_tax_monthly": 112.44,
"property_tax_increase": 0.03,
"utility_allowance_total": 316.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 9558.94,
"property_management_monthly": 201.2,
"monthly_cash_flow_after_debt": 796.58,
"cash_on_cash_return_after_debt": 0.32
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears in good, mostly move-in condition with recent cosmetic updates, functioning kitchen range, intact bathrooms, and a maintained exterior and fenced yard. Primary inspection risks are confirmatory items not visible in photos: presence/operation of water heater, electrical panel condition, GFCI outlets, carbon monoxide alarm (if required), and a secure deadbolt on the entry. These are likely easy-to-fix or quick-verification items. Based on images and listing, the home is likely to pass an initial HCV/NSPIRE inspection after addressing any missing alarms/outlet protections and confirming mechanical systems — estimated rent-ready with minor touch-ups within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 80.0,
"rationale": "Interior and exterior photos show recently painted walls, intact tile and wood-look flooring, updated cabinetry and functioning fixtures. Minor cosmetic wear visible (driveway staining, small baseboard/scuff marks). Kitchen has range/hood but no refrigerator shown — missing fridge reduces score moderately. No visible collapsed ceilings, large drywall damage, or severe deferred maintenance."
},
{
"key": "safety_code",
"label": "Life-safety and NSPIRE code risk",
"score": 75.0,
"rationale": "A ceiling-mounted smoke detector is visible in living/kitchen area and windows appear in each bedroom for egress. No exposed wiring or obvious trip hazards seen. Bathrooms and kitchens have standard fixtures. Missing/unclear items: carbon monoxide alarm not visible, GFCI protection at kitchen/bath outlets not confirmed, entry door deadbolt not visible. No evidence of active water intrusion, severe mold, or structural sagging in provided photos."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Ceiling vents and a ceiling access panel suggest central HVAC present; roof appears shingled with no visible sagging or large missing sections. Plumbing fixtures and hot-water-appearing systems (bathtub, sinks) look functional in photos. Critical system items not visible/confirmed: electrical panel condition, age/operation of HVAC, water heater, and drainage grading. Because these cannot be verified from photos, score is conservative but not low."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site safety",
"score": 80.0,
"rationale": "Brick exterior and siding look intact; yard is maintained and fully fenced per listing/side gate visible. Driveway has surface staining and hairline cracks but no major settlement. No visible foundation stepping or major exterior deterioration. Covered patio and storage shed are listed but not pictured; presence assumed per listing."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational (ceiling vents present); full service history unknown.",
"Water heater is present and functioning though not visible in photos.",
"Range/hood unit is present and appears operable; refrigerator is not present in photos and likely not included.",
"Smoke detector shown is functional; additional detectors and CO alarm(s) may need installation to meet local code/NSPIRE.",
"No concealed major foundation or roof issues exist beyond what is visible; photos show no sagging or large cracks.",
"Covered patio and storage shed mentioned in listing exist though not photographed."
],
"overall_score": 76.0,
"rubric_version": "ns-pf-v1.0-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [
"Error code: 429 - {'error': {'message': 'You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs: https://platform.openai.com/docs/guides/error-codes/api-errors.', 'type': 'insufficient_quota', 'param': None, 'code': 'insufficient_quota'}}",
"Error code: 429 - {'error': {'message': 'You exceeded your current quota, please check your plan and billing details. For more information on this error, read the docs: https://platform.openai.com/docs/guides/error-codes/api-errors.', 'type': 'insufficient_quota', 'param': None, 'code': 'insufficient_quota'}}"
],
"address": "404 Federal Dr, Avondale, LA, 70094",
"aggregate": {
"summary": "Overall the property appears in good, mostly move-in condition with recent cosmetic updates, functioning kitchen range, intact bathrooms, and a maintained exterior and fenced yard. Primary inspection risks are confirmatory items not visible in photos: presence/operation of water heater, electrical panel condition, GFCI outlets, carbon monoxide alarm (if required), and a secure deadbolt on the entry. These are likely easy-to-fix or quick-verification items. Based on images and listing, the home is likely to pass an initial HCV/NSPIRE inspection after addressing any missing alarms/outlet protections and confirming mechanical systems — estimated rent-ready with minor touch-ups within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 80.0,
"rationale": "Interior and exterior photos show recently painted walls, intact tile and wood-look flooring, updated cabinetry and functioning fixtures. Minor cosmetic wear visible (driveway staining, small baseboard/scuff marks). Kitchen has range/hood but no refrigerator shown — missing fridge reduces score moderately. No visible collapsed ceilings, large drywall damage, or severe deferred maintenance."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site safety",
"score": 80.0,
"rationale": "Brick exterior and siding look intact; yard is maintained and fully fenced per listing/side gate visible. Driveway has surface staining and hairline cracks but no major settlement. No visible foundation stepping or major exterior deterioration. Covered patio and storage shed are listed but not pictured; presence assumed per listing."
},
{
"key": "safety_code",
"label": "Life-safety and NSPIRE code risk",
"score": 75.0,
"rationale": "A ceiling-mounted smoke detector is visible in living/kitchen area and windows appear in each bedroom for egress. No exposed wiring or obvious trip hazards seen. Bathrooms and kitchens have standard fixtures. Missing/unclear items: carbon monoxide alarm not visible, GFCI protection at kitchen/bath outlets not confirmed, entry door deadbolt not visible. No evidence of active water intrusion, severe mold, or structural sagging in provided photos."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 70.0,
"rationale": "Ceiling vents and a ceiling access panel suggest central HVAC present; roof appears shingled with no visible sagging or large missing sections. Plumbing fixtures and hot-water-appearing systems (bathtub, sinks) look functional in photos. Critical system items not visible/confirmed: electrical panel condition, age/operation of HVAC, water heater, and drainage grading. Because these cannot be verified from photos, score is conservative but not low."
}
],
"red_flags": [],
"confidence": 0.5,
"assumptions": [
"Central HVAC exists and is operational (ceiling vents present); full service history unknown.",
"Water heater is present and functioning though not visible in photos.",
"Range/hood unit is present and appears operable; refrigerator is not present in photos and likely not included.",
"Smoke detector shown is functional; additional detectors and CO alarm(s) may need installation to meet local code/NSPIRE.",
"No concealed major foundation or roof issues exist beyond what is visible; photos show no sagging or large cracks.",
"Covered patio and storage shed mentioned in listing exist though not photographed."
],
"score_method": "mean_of_criteria",
"overall_score": 76.2,
"rubric_version": "ns-pf-v1.0-2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7067774771"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.