Property ID: 7167699651
1805 28th Ave N, Hueytown, AL, 35023
Hueytown, AL
Money Down: $26,376
CoC Return: 10.32%
Monthly Cash Flow: $227
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
10.32%
Rent
$1,038
Monthly Cash Flow
$227
Annual Cash Flow
$2,723
Debt Service / Mo
$585
Property Tax / Mo
$52
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,038
Payment Standard
$1,408
Rent
$1,038
Insurance
$70
Property Tax
$52
Management
$104
Utilities Allowance
$370
NOI (Monthly)
$812
Debt Service
$585
Cash Flow After Debt
$227
Quality Score: 76.60%
Confidence: 94.00%
This 1955 single-family appears close to Section 8 / NSPIRE ready. Major systems and envelope show positive signs (new metal roof, intact siding, functional interior finishes, appliances visible). The most likely inspection failures are missing/not-visible smoke and CO detectors and missing GFCI protection in kitchen/bath — all corrective items that are inexpensive and quick. Unknowns are HVAC operation, electrical panel condition and water‑heater status (not shown), which should be confirmed prior to move-in. With installation of required detectors, verification of HVAC and panel, and a quick GFCI retrofit if needed, the property should pass an initial HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$370
Guaranteed Section 8 Rent (PS - Utilities)
$1,038
Property Management
$104
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
2
Baths
1
Living Area
1,200 sqft
Lot Size
9,148 sqft
Year Built
1955
Days on Market
32
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$52
Insurance / Mo
$70
Property Description
2 bedrooms and HUGE Den that could be a 3rd bedroom. New Metal Roof. Modern Kitchen
Utility Allowances
Heating
$31
Property details state 'Forced Air' heating and a 'Gas' water heater, indicating natural gas fuel. Spire is the primary gas provider for Hueytown.
Cooling
$18
Property details explicitly state 'Electric (COOL)'. Alabama Power is the primary and more expensive electric provider option for the area.
Cooking
$17
Property details list 'Cooktop-Electric'. The Alabama Power rate was selected, consistent with the provider for other electric utilities.
Water Heating
$29
Property details explicitly state 'Water Heaters: Gas (WTRHTR)'. The Spire rate was selected, consistent with the provider for heating.
Other Electric (Lights & Appliances)
$56
Standard allowance for general electric use. The Alabama Power rate was selected as the most applicable and more expensive option.
Water
$60
Property details state 'Public Water'. Hueytown is within the Bessemer utility service area, making 'Water: Bessemer' the most relevant choice.
Sewer
$125
Property details state 'Sewer: Connected'. The schedule provides a fixed amount for county sewer services.
Trash Collection
$20
Standard allowance for a single-family home. The 'Jefferson City' rate was chosen as a proxy for Hueytown's municipal service, which is not explicitly listed in the schedule.
Tenant-Owned Refrigerator
$8
A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Tenant-Owned Range/Microwave
$6
A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
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$692
DP3 Annual Estimate$992
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$83
Replacement Value$82,900
Basis1,200 sqft / 1955
Nearby Houses
Photo unavailable
1801 28th Ave N
sold · 0.01 mi
Price: $110,000
2 bd / 1 ba · 840 sqft
Latest sale: $110,000 on Mar 04, 2022
Latest rent: —
Photo unavailable
1809 28th Ave N
sold · 0.02 mi
Price: $145,000
3 bd / 2 ba · 1,176 sqft
Latest sale: $145,000
Latest rent: —
Photo unavailable
1729 28th Ave N
sold · 0.05 mi
Price: $50,000
2 bd / 2 ba · 1,155 sqft
Latest sale: $50,000 on Mar 29, 2018
Latest rent: —
Photo unavailable
1802 28th Ave N
sold · 0.05 mi
Price: $225,000
4 bd / 2 ba · 1,818 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
1814 27th Ave N
off_market · 0.06 mi
Price: $1,125
3 bd / 1 ba
Latest sale: $131,000 on Feb 03, 2023
Latest rent: $1,225 on Jul 09, 2025
Photo unavailable
1817 N 29th Ave
for_sale · 0.08 mi
Price: $265,000
4 bd / 2 ba · 3,057 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1719 28th Ave N
sold · 0.09 mi
Price: $130,900
3 bd / 2 ba · 1,218 sqft
Latest sale: $130,900 on Jan 25, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in photos (NSPIRE requires functioning smoke alarms on each level and sleeping areas).
- No visible carbon monoxide alarm (required where fuel‑burning appliances are present or per local code).
- No clearly identified GFCI receptacles in kitchen or bathroom in photos (could be a fail).
- Electrical panel, HVAC equipment and water heater locations/conditions not shown — unknowns that must be verified before inspection.
Assumptions
- New metal roof referenced in listing is correctly installed and covers entire primary roof sections visible in photos.
- Central heating/cooling system exists and is connected (floor registers visible) and is assumed operational unless proven otherwise.
- Appliances pictured (stove and refrigerator) are included and functional; sinks, toilet and tub are operational since no leaks or stains are visible.
- Smoke detectors, carbon monoxide alarms and GFCI outlets are not present or not visible in provided photos; inspector would likely require verification/installation.
- No hidden active roof leaks, major foundation movement, or severe mold are present because interior photos show dry, intact finishes (if any of these exist, scores would drop significantly).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $608 | $109,700 | $10,980 |
| 2023 | $550 | $100,300 | $10,040 |
| 2022 | $457 | $85,000 | $8,500 |
| 2021 | $360 | $68,800 | $6,880 |
| 2020 | $415 | $78,000 | $6,820 |
| 2019 | $350 | $67,100 | $6,720 |
| 2018 | $325 | $62,900 | $6,300 |
| 2017 | $325 | $62,900 | $6,300 |
| 2016 | $325 | $62,900 | $6,300 |
| 2015 | $383 | $72,500 | $7,260 |
| 2013 | $381 | $71,400 | $7,140 |
| 2012 | $381 | $71,400 | $7,140 |
| 2011 | $387 | $72,500 | $7,250 |
| 2010 | $387 | $72,500 | $7,250 |
| 2009 | $387 | $72,500 | $7,250 |
| 2008 | $397 | $74,100 | $7,410 |
| 2007 | $390 | $72,900 | $7,290 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-15 | Listed | $109,900 |
| 2015-04-24 | Sold | $64,000 |
| 2015-03-10 | Sold | $64,100 |
| 2015-01-07 | Relisted | $69,900 |
| 2014-12-23 | Listing removed | $69,900 |
| 2014-08-03 | Price Changed | $69,900 |
| 2014-01-11 | Listed | $79,900 |
| 2006-09-28 | Sold | $80,000 |
| 2006-04-22 | Listed | $82,900 |
Photo Gallery
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"price": 64100,
"listing": null,
"event_name": "Sold",
"price_sqft": 61.16412213740458,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-19.77%"
},
{
"date": "2015-01-07",
"price": 69900,
"listing": {
"status": "sold",
"list_date": "2014-01-11T07:00:00Z",
"list_price": 69900,
"listing_id": "577546979",
"last_update_date": "2015-03-26T22:16:25Z",
"last_status_change_date": "2015-03-06T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "584495",
"price_change_percentage": null
},
{
"date": "2014-12-23",
"price": 69900,
"listing": {
"status": "sold",
"list_date": "2014-01-11T07:00:00Z",
"list_price": 69900,
"listing_id": "577546979",
"last_update_date": "2015-03-26T22:16:25Z",
"last_status_change_date": "2015-03-06T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "346 days",
"source_listing_id": "584495",
"price_change_percentage": null
},
{
"date": "2014-08-03",
"price": 69900,
"listing": {
"status": "sold",
"list_date": "2014-01-11T07:00:00Z",
"list_price": 69900,
"listing_id": "577546979",
"last_update_date": "2015-03-26T22:16:25Z",
"last_status_change_date": "2015-03-06T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -10000,
"days_after_listed": null,
"source_listing_id": "584495",
"price_change_percentage": null
},
{
"date": "2014-01-11",
"price": 79900,
"listing": {
"status": "sold",
"list_date": "2014-01-11T07:00:00Z",
"list_price": 69900,
"listing_id": "577546979",
"last_update_date": "2015-03-26T22:16:25Z",
"last_status_change_date": "2015-03-06T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "584495",
"price_change_percentage": "-$100"
},
{
"date": "2006-09-28",
"price": 80000,
"listing": {
"status": "sold",
"list_date": "2006-04-22T07:00:00Z",
"list_price": 82900,
"listing_id": "542267423",
"last_update_date": "2006-09-29T03:33:08Z",
"last_status_change_date": "2006-09-28T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -2900,
"days_after_listed": "159 days",
"source_listing_id": "297064",
"price_change_percentage": "-3.50%"
},
{
"date": "2006-04-22",
"price": 82900,
"listing": {
"status": "sold",
"list_date": "2006-04-22T07:00:00Z",
"list_price": 82900,
"listing_id": "542267423",
"last_update_date": "2006-09-29T03:33:08Z",
"last_status_change_date": "2006-09-28T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "297064",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7167699651",
"generated_at": "2026-02-16T01:50:37.760585Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 76.6
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/6820e5a4591380a291e121c0cba9cfdcl-b4166279051s-w1280.jpg",
"rent_price": 1038.0,
"loan_amount": 87920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1805-28th-Ave-N_Bessemer_AL_35023_M71676-99651",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 109900.0,
"loan_term_years": 30,
"annual_cash_flow": 9742.16,
"mortgage_monthly": 584.93,
"payment_standard": 1408.0,
"total_amount_out": 21980.0,
"additional_photos": [
"https://ap.rdcpix.com/6820e5a4591380a291e121c0cba9cfdcl-b1471740247s-w1280.jpg",
"https://ap.rdcpix.com/6820e5a4591380a291e121c0cba9cfdcl-b957778010s-w1280.jpg",
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"https://ap.rdcpix.com/6820e5a4591380a291e121c0cba9cfdcl-b691282556s-w1280.jpg",
"https://ap.rdcpix.com/6820e5a4591380a291e121c0cba9cfdcl-b620527530s-w1280.jpg",
"https://ap.rdcpix.com/6820e5a4591380a291e121c0cba9cfdcl-b2656690499s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 70.17,
"monthly_cash_flow": 811.85,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property details state 'Forced Air' heating and a 'Gas' water heater, indicating natural gas fuel. Spire is the primary gas provider for Hueytown.",
"utility": "Heating",
"allowance": 31
},
{
"note": "Property details explicitly state 'Electric (COOL)'. Alabama Power is the primary and more expensive electric provider option for the area.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Property details list 'Cooktop-Electric'. The Alabama Power rate was selected, consistent with the provider for other electric utilities.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Property details explicitly state 'Water Heaters: Gas (WTRHTR)'. The Spire rate was selected, consistent with the provider for heating.",
"utility": "Water Heating",
"allowance": 29
},
{
"note": "Standard allowance for general electric use. The Alabama Power rate was selected as the most applicable and more expensive option.",
"utility": "Other Electric (Lights & Appliances)",
"allowance": 56
},
{
"note": "Property details state 'Public Water'. Hueytown is within the Bessemer utility service area, making 'Water: Bessemer' the most relevant choice.",
"utility": "Water",
"allowance": 60
},
{
"note": "Property details state 'Sewer: Connected'. The schedule provides a fixed amount for county sewer services.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Standard allowance for a single-family home. The 'Jefferson City' rate was chosen as a proxy for Hueytown's municipal service, which is not explicitly listed in the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Tenant-Owned Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.",
"utility": "Tenant-Owned Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 21980.0,
"property_tax_annual": 626.24,
"property_tax_monthly": 52.19,
"property_tax_increase": 0.03,
"utility_allowance_total": 370.0,
"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": 2722.95,
"property_management_monthly": 103.8,
"monthly_cash_flow_after_debt": 226.91,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "This 1955 single-family appears close to Section 8 / NSPIRE ready. Major systems and envelope show positive signs (new metal roof, intact siding, functional interior finishes, appliances visible). The most likely inspection failures are missing/not-visible smoke and CO detectors and missing GFCI protection in kitchen/bath — all corrective items that are inexpensive and quick. Unknowns are HVAC operation, electrical panel condition and water‑heater status (not shown), which should be confirmed prior to move-in. With installation of required detectors, verification of HVAC and panel, and a quick GFCI retrofit if needed, the property should pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show generally well-maintained wood floors, painted walls, intact trim and cabinetry. Kitchen and bathroom are older but appear functional; appliances (stove and refrigerator) are visible in photos. Minor cosmetic wear on floors and cabinetry is present but no evident deferred-maintenance (peeling paint, collapsed surfaces). Missing/older finishes are easy-to-fix cosmetic items rather than structural defects."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No immediate life‑threatening hazards visible (no sagging ceilings, visible water intrusion, or exposed wiring). Porch has railings. However, smoke detectors and carbon monoxide alarms are not visible in photos (NSPIRE requires working smoke detectors on each level and in/near sleeping areas), and GFCI receptacles are not clearly present in kitchen or bathroom photos. Door appears to have secure locks (knob and secondary lock visible). These missing/unknown items create moderate inspection risk that are typically fast fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states a new metal roof (photo corroborates) which reduces roofing risk. Floor vents are visible in rooms suggesting central HVAC ducting exists; no exterior condenser or furnace is shown in photos so operational status is assumed but not confirmed. Kitchen and bath plumbing fixtures appear intact; no visible active leaks or water damage. Electrical panel and water heater are not shown; absence of visible hazards is positive but unknown system ages lower the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding, porch, awnings and driveway appear serviceable; new metal roof noted. Walkway has minor cracking and landscaping is slightly overgrown but not a safety hazard. No evidence of standing water, major foundation cracking, or infestation visible in photos. Overall the envelope and site look sound with routine maintenance needed."
}
],
"red_flags": [
"No visible smoke detectors in photos (NSPIRE requires functioning smoke alarms on each level and sleeping areas).",
"No visible carbon monoxide alarm (required where fuel‑burning appliances are present or per local code).",
"No clearly identified GFCI receptacles in kitchen or bathroom in photos (could be a fail).",
"Electrical panel, HVAC equipment and water heater locations/conditions not shown — unknowns that must be verified before inspection."
],
"confidence": 0.7,
"assumptions": [
"New metal roof referenced in listing is correctly installed and covers entire primary roof sections visible in photos.",
"Central heating/cooling system exists and is connected (floor registers visible) and is assumed operational unless proven otherwise.",
"Appliances pictured (stove and refrigerator) are included and functional; sinks, toilet and tub are operational since no leaks or stains are visible.",
"Smoke detectors, carbon monoxide alarms and GFCI outlets are not present or not visible in provided photos; inspector would likely require verification/installation.",
"No hidden active roof leaks, major foundation movement, or severe mold are present because interior photos show dry, intact finishes (if any of these exist, scores would drop significantly)."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this 2-bed single-family property appears well-maintained and largely turnkey for Section 8/HCV occupancy. Strengths: new metal roof, clean interior, functioning kitchen appliances, adequate bedroom egress, intact exterior. Primary inspection risks that should be corrected before voucher inspection are installation/verification of smoke detectors and required CO alarm(s), verification/installation of GFCI protection in bathroom/kitchen if missing, and documentation that heating, hot water and electrical panel are serviceable. With those minor items addressed (and routine cosmetic touch-ups) the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears clean and maintained: solid hardwood in bedrooms/living, updated LVP in den, painted walls, functioning kitchen cabinets and counters. Kitchen appliances (refrigerator and range) are shown. Bathroom finishes are older but functional. Minor cosmetic wear on floors and cabinetry and some scuffing visible; these are easy-to-fix, capital-only items that would not block inspection."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "No visible smoke detectors or CO alarms in photos (inspection requirement). Entry door shows two locks (knob + apparent deadbolt). Bedrooms have egress windows. No exposed wiring, visible broken handrails, collapsed ceilings, or obvious leaks/mold in photos. GFCI protection at bathroom/kitchen outlets is not clearly visible in images; older home finishes suggest GFCI may be missing. These missing/undocumented items create moderate inspection risk but are fixable prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing notes a new metal roof (photo corroborates) — reduces roof/leak risk. Floor registers visible indicating forced-air heating/AC likely present (HVAC not pictured directly). Kitchen and bathroom plumbing fixtures appear functional; no visible active leaks. Electrical panel not shown but outlet covers present and outlets appear intact. Water heater and electrical panel locations not visible; assumed operational based on maintained interior. Overall systems appear serviceable but some items are undocumented in photos (panel, hot water, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior shows new/metal roof, intact siding, covered front porch with railing, paved driveway and concrete walkway. Yard is modest and requires routine maintenance (leaf litter, plant trimming). Foundation/perimeter appears intact from photos with no visible major settlement or large cracks. No standing water, major grading issues, or obvious infestation evidence visible in provided images."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos — inspector will likely require properly located and working units.",
"GFCI protection at kitchen counters / bathroom outlets not evident in photos and may be missing (NSPIRE/GFCI requirement)."
],
"confidence": 0.7,
"assumptions": [
"New metal roof is as-stated in listing and photos; therefore roof leak risk is low.",
"Central forced-air HVAC is present and operational (inferred from visible floor registers), though the equipment itself is not photographed.",
"Water heater and electrical panel exist and are functional; neither was photographed so their condition is assumed serviceable based on overall property condition.",
"Kitchen appliances shown (refrigerator and range) are in working order; no gas leak or unsafe connection visible.",
"No visible mold, active leaks, or structural movement in provided photos; absence of these issues assumed throughout.",
"Smoke detectors, CO alarms, and GFCI outlets are not visible in photos and therefore treated as unknown/missing for scoring purposes."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 2-bed single-family (possible 3rd room) appears in good move-in condition with a new metal roof and generally well-maintained interior. Visible systems and finishes look serviceable; kitchen appliances are present and living spaces show only cosmetic wear. The most likely inspection issues are missing/uncertain smoke and CO detectors and uncertain GFCI protection in kitchen/bath. Major structural or life-safety failures are not evident in the photos. With quick fixes (install/verify detectors, add/confirm GFCIs, address minor floor/paint touch-ups, verify HVAC/water heater operation) the property should be Section 8 / HCV inspection-ready within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.0,
"rationale": "Interior rooms appear clean and maintained: intact plaster/drywall, trim and crown moulding in place, generally sound hardwood floors with normal wear and some scratches/refinishing needed. Kitchen and bath are older but functional-looking; appliances (stove, refrigerator) are shown in photos. No large areas of missing finish or collapsed surfaces visible. Cosmetic bathroom tile and cabinetry are dated but serviceable. Minor repairs/refresh (repaint, floor repairs, replace worn fixtures) would bring to turnkey."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no standing water, stairs/porch have railings, windows in bedrooms appear large enough for egress. Electrical outlet and switch covers are present in photos and no exposed wiring is visible. Entry door shows knob and appears to have a deadbolt. However smoke detectors and carbon monoxide alarms are not visible in any interior photos (likely required). Bathroom and kitchen GFCI protection cannot be confirmed from images — the bathroom outlet visible appears to be a standard receptacle. Because detectors and GFCIs are commonly required for a passing inspection, correction may be needed. No visible mold, major leaks, or peeling lead-risk paint observed in photos, but property built 1955 poses potential lead-paint risk that should be tested/managed."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 72.0,
"rationale": "Listing states new metal roof and exterior photos corroborate a metal roof in good condition — strong positive. Interior shows floor registers (floor vent) and a thermostat-looking device in photos suggesting a functioning forced-air HVAC system; however no HVAC equipment or water heater is pictured so full operability is an assumption. Kitchen sink, bathroom sink and tub/shower appear intact with working fixtures visible; stove and refrigerator present. Electrical panel not shown; visible switches/outlets appear normal. Given visible evidence the major systems are likely functional but remain partially unverified."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 82.0,
"rationale": "Exterior siding appears intact and was photographed in good condition; new metal roof stated and visible. Porch has railings and awnings; front walk and driveway are serviceable though yard maintenance is needed. No signs of foundation settlement, major cracking, sagging rooflines, or drainage/standing water visible in photos. Overall exterior shows typical wear for a mid-century single-family but no serious envelope failures visible."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in interior photos — required for safety and likely required for passing inspection.",
"GFCI protection in bathroom/kitchen could not be confirmed from photos; bathroom outlet appears to be a standard receptacle (potential code fail).",
"HVAC and water heater operation not documented in photos — these are critical systems that must be verified prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"New metal roof is as-stated in the listing and visible in the exterior photo.",
"A forced-air HVAC system is present and functioning (floor registers visible), though no HVAC equipment was photographed.",
"Water heater exists and is operational though not pictured.",
"Stove and refrigerator shown in photos are included and operational.",
"No smoke detectors or carbon monoxide alarms were present in photographed rooms; assume they are not installed or not in required locations until verified.",
"Electrical panel condition, service size, and ground-fault protection (GFCI) were not shown and are assumed typical but must be confirmed.",
"No active roof leaks, major hidden mold, or unseen foundation movement are present based on lack of visual indicators in photos (this is an assumption; an in-person inspection could reveal otherwise).",
"Because the house was built in 1955, lead-paint risk exists until tested, but no peeling/chipping paint was visible in photos."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1805 28th Ave N, Hueytown, AL, 35023",
"aggregate": {
"summary": "This 1955 single-family appears close to Section 8 / NSPIRE ready. Major systems and envelope show positive signs (new metal roof, intact siding, functional interior finishes, appliances visible). The most likely inspection failures are missing/not-visible smoke and CO detectors and missing GFCI protection in kitchen/bath — all corrective items that are inexpensive and quick. Unknowns are HVAC operation, electrical panel condition and water‑heater status (not shown), which should be confirmed prior to move-in. With installation of required detectors, verification of HVAC and panel, and a quick GFCI retrofit if needed, the property should pass an initial HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.7,
"rationale": "Interior photos show generally well-maintained wood floors, painted walls, intact trim and cabinetry. Kitchen and bathroom are older but appear functional; appliances (stove and refrigerator) are visible in photos. Minor cosmetic wear on floors and cabinetry is present but no evident deferred-maintenance (peeling paint, collapsed surfaces). Missing/older finishes are easy-to-fix cosmetic items rather than structural defects."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.7,
"rationale": "Exterior siding, porch, awnings and driveway appear serviceable; new metal roof noted. Walkway has minor cracking and landscaping is slightly overgrown but not a safety hazard. No evidence of standing water, major foundation cracking, or infestation visible in photos. Overall the envelope and site look sound with routine maintenance needed."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 68.3,
"rationale": "No immediate life‑threatening hazards visible (no sagging ceilings, visible water intrusion, or exposed wiring). Porch has railings. However, smoke detectors and carbon monoxide alarms are not visible in photos (NSPIRE requires working smoke detectors on each level and in/near sleeping areas), and GFCI receptacles are not clearly present in kitchen or bathroom photos. Door appears to have secure locks (knob and secondary lock visible). These missing/unknown items create moderate inspection risk that are typically fast fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 74.0,
"rationale": "Listing states a new metal roof (photo corroborates) which reduces roofing risk. Floor vents are visible in rooms suggesting central HVAC ducting exists; no exterior condenser or furnace is shown in photos so operational status is assumed but not confirmed. Kitchen and bath plumbing fixtures appear intact; no visible active leaks or water damage. Electrical panel and water heater are not shown; absence of visible hazards is positive but unknown system ages lower the score slightly."
}
],
"red_flags": [
"No visible smoke detectors in photos (NSPIRE requires functioning smoke alarms on each level and sleeping areas).",
"No visible carbon monoxide alarm (required where fuel‑burning appliances are present or per local code).",
"No clearly identified GFCI receptacles in kitchen or bathroom in photos (could be a fail).",
"Electrical panel, HVAC equipment and water heater locations/conditions not shown — unknowns that must be verified before inspection."
],
"confidence": 0.94,
"assumptions": [
"New metal roof referenced in listing is correctly installed and covers entire primary roof sections visible in photos.",
"Central heating/cooling system exists and is connected (floor registers visible) and is assumed operational unless proven otherwise.",
"Appliances pictured (stove and refrigerator) are included and functional; sinks, toilet and tub are operational since no leaks or stains are visible.",
"Smoke detectors, carbon monoxide alarms and GFCI outlets are not present or not visible in provided photos; inspector would likely require verification/installation.",
"No hidden active roof leaks, major foundation movement, or severe mold are present because interior photos show dry, intact finishes (if any of these exist, scores would drop significantly)."
],
"score_method": "mean_of_criteria",
"overall_score": 76.6,
"rubric_version": "nsPIRE-v1.0-2026-02",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7167699651"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.