Property ID: 7177670110
321 Amapola Cir, Terrytown, LA, 70056
Terrytown, LA
Money Down: $46,800
CoC Return: 5.48%
Monthly Cash Flow: $214
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$39,000
Closing Costs
$7,800
Total Down
$46,800
Investment Snapshot
Purchase Price
$195,000
Money Down
$46,800
Cash-on-Cash Return
5.48%
Rent
$1,696
Monthly Cash Flow
$214
Annual Cash Flow
$2,566
Debt Service / Mo
$1,038
Property Tax / Mo
$150
Insurance / Mo
$125
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$125
Property Tax
$150
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,252
Debt Service
$1,038
Cash Flow After Debt
$214
Quality Score: 72.00%
Confidence: 95.00%
This 3-bed, 2.5-bath single-family home appears largely rent-ready for Section 8/NSPIRE with mostly cosmetic repairs and standard inspector checklist items remaining. Major structure and systems show no visible catastrophic issues in photos. Likely to pass an initial HCV inspection after adding/ verifying required smoke and CO detectors, addressing any missing GFCI outlets, a professional cleaning (or carpet replacement if required), and a quick verification of HVAC, hot water, and electrical panel operation. The solar panel lease is transferable but should be disclosed to tenants/inspection as it can affect utility arrangements.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$195,000
Beds
3
Baths
2.5
Living Area
1,602 sqft
Lot Size
—
Year Built
1965
Days on Market
212
Capital Outlay
$46,800
Debt Service
$1,038
Property Tax / Mo
$150
Insurance / Mo
$125
Property Description
There is 15yrs left on the lease agreement of solar panels. The lease fee is $ 69.00 per month & is transferable. Sellers electric bill is approximately $15.00 per month in the winter & approximately $150.00 in the summer. Property is also eligible for Rural Development.
Utility Allowances
Cooking
$12
The property is specified to have 'Gas: Natural' and includes a Range/Oven, indicating natural gas is used for cooking.
Heating
$70
The property has 'Central' heating and 'Gas: Natural' is available, making it the selected heating fuel.
Other Electric
$67
This covers general electricity for lights and appliances. As the property has 'Central' cooling and no separate cooling allowance is provided, it is included here.
Sewer
$46
The property details explicitly state 'Sewer: City'.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family home and is inferred from the presence of other city services like public water and sewer.
Water
$43
The property details explicitly state 'Water Source: Public'.
Water Heating
$24
Natural gas is available for heating and cooking, making it the most probable and selected fuel for water heating.
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$1,498
DP3 Annual Estimate$1,498
DP1 Monthly Equivalent$125
DP3 Monthly Equivalent$125
Replacement Value$91,700
Basis1,602 sqft / 1965
Nearby Houses
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222 Adonis Way
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312 Appletree Ln
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Price: $290,000
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2122 N Butterfly Cir
for_sale · 0.15 mi
Price: $229,000
4 bd / 2 ba · 1,225 sqft
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Photo unavailable
2130 N Butterfly Cir
for_sale · 0.17 mi
Price: $179,000
2 bd / 1 ba · 1,188 sqft
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Photo unavailable
300 Terry Pkwy Apt B
off_market · 0.22 mi
Price: $149,000
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203 Holmes Blvd
for_sale · 0.24 mi
Price: $307,900
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Latest sale: —
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3271 Rio Grande St Lots 4 & 5
for_sale · 0.24 mi
Price: $19,995
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
412 Terry Pkwy
sold · 0.25 mi
Price: $229,000
3 bd / 2 ba · 1,647 sqft
Latest sale: —
Latest rent: —
Photo unavailable
419 Blossom St
off_market · 0.25 mi
Price: $279,000
4 bd / 3 ba · 1,700 sqft
Latest sale: —
Latest rent: —
Photo unavailable
347 Cherry Blossom Ln
sold · 0.25 mi
Price: $125,000
3 bd / 1 ba · 1,175 sqft
Latest sale: —
Latest rent: —
Photo unavailable
423 Bruce Ave
for_sale · 0.28 mi
Price: $209,900
3 bd / 2 ba · 1,501 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3205 Potomac St
for_sale · 0.29 mi
Price: $389,000
4 bd / 3 ba · 2,010 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3200 Potomac St
for_sale · 0.32 mi
Price: $318,000
3 bd / 3 ba · 1,785 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1820 Cedarwood Ave
for_sale · 0.33 mi
Price: $79,000
3 bd / 2 ba · 972 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 is present and operational (vents visible but condenser/furnace not photographed).
- There is functioning hot water and operational plumbing (no visible leaks in photos).
- Bedrooms' windows meet egress requirements (double-hung windows visible and assumed adequate).
- No major hidden foundation or structural issues exist beyond what is visible; photos show level walls and no sagging ceilings.
- Smoke and carbon monoxide detectors, GFCI outlets, and electrical panel were not visible in photos and therefore assumed missing or unverified and require confirmation/installation.
- Solar panel lease (15 years remaining) is transferable as listed; the electrical interconnection and any inspector concerns about solar equipment condition are assumed manageable but should be confirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,746 | $131,300 | $13,130 |
| 2024 | $1,741 | $131,300 | $13,130 |
| 2023 | $1,669 | $127,700 | $12,770 |
| 2022 | $1,627 | $127,700 | $12,770 |
| 2021 | $1,533 | $127,700 | $12,770 |
| 2020 | $1,522 | $127,700 | $12,770 |
| 2019 | $1,561 | $127,700 | $12,770 |
| 2018 | $1,458 | $127,700 | $12,770 |
| 2017 | $1,398 | $127,700 | $12,770 |
| 2016 | $1,370 | $127,700 | $12,770 |
| 2015 | $1,489 | $135,500 | $13,550 |
| 2014 | $1,471 | $135,500 | $13,550 |
| 2013 | $1,421 | $135,500 | $13,550 |
| 2012 | $1,421 | $135,500 | $13,550 |
| 2011 | $1,405 | $133,800 | $13,380 |
| 2010 | $1,370 | $133,800 | $13,380 |
| 2009 | $641 | $62,600 | $6,260 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-10 | Price Changed | $195,000 |
| 2025-12-19 | Price Changed | $209,000 |
| 2025-11-12 | Price Changed | $215,000 |
| 2025-09-09 | Listed | $225,000 |
| 2016-01-12 | Sold | $0 |
| 2016-01-12 | Listing removed | $125,000 |
| 2015-10-25 | Listed | $125,000 |
| 2015-10-16 | Listing removed | $125,000 |
| 2015-06-10 | Listed | $125,000 |
| 2015-06-01 | Listing removed | $125,000 |
| 2015-05-12 | Price Changed | $130,000 |
| 2015-01-21 | Listed | $135,000 |
Photo Gallery
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"down_payment_amount": 39000.0,
"property_tax_annual": 1798.38,
"property_tax_monthly": 149.87,
"property_tax_increase": 0.03,
"utility_allowance_total": 287.0,
"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": 2565.96,
"property_management_monthly": 169.6,
"monthly_cash_flow_after_debt": 213.83,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 2.5-bath single-family home appears largely rent-ready for Section 8/NSPIRE with mostly cosmetic repairs and standard inspector checklist items remaining. Major structure and systems show no visible catastrophic issues in photos. Likely to pass an initial HCV inspection after adding/ verifying required smoke and CO detectors, addressing any missing GFCI outlets, a professional cleaning (or carpet replacement if required), and a quick verification of HVAC, hot water, and electrical panel operation. The solar panel lease is transferable but should be disclosed to tenants/inspection as it can affect utility arrangements.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show a generally well-maintained home with cosmetic wear only: stained/soiled carpeting in living areas and bedrooms, scuffed kitchen cabinet faces, minor paint touch-ups, and a slightly misaligned ceiling access panel. Appliances (stove and refrigerator) are present in photos. No evidence of collapsed ceilings, exposed subfloor, or major water damage. These are mostly easy-to-fix or turn-key cleaning/ cosmetic items; carpet replacement or professional cleaning and cabinet touch-ups expected before move-in."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No visible life-threatening hazards in photos: stairs have a handrail, windows present in bedrooms for likely egress, no visible exposed live wiring, ceilings intact, plumbing fixtures present and appear functional. Missing/unknown items: smoke detectors and carbon monoxide detector not visible in photos (likely required), GFCI presence in kitchen/bath is not shown, electrical panel not photographed. No visible mold or active leaks. Score reduced to reflect unknown/uncertain safety items that an inspector commonly requires (detectors, GFCI outlets) and some cleanliness/stain issues."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Photos show supply/return vents indicating central HVAC; no outdoor condenser or furnace photographed to verify operational status. Water heater and electrical panel are not shown. Roof appears intact with solar panels installed under a 15-year lease (listing notes lease transferable); shingles show normal aging but no visible sagging or leaks. Plumbing fixtures and faucets visible and appear in good condition. Score assumes functional systems but penalizes for lack of visual confirmation and the solar lease complexity."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Front yard, walkways, driveway and fencing appear in good repair and well-maintained. Brick and siding look intact, foundation perimeter shows no obvious major cracks in photos. Roof has solar array in place; no evidence of standing water or major drainage issues visible from exterior photos. Minor wear on shingles but no visible roof failure. Overall low site risk."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (vents visible but condenser/furnace not photographed).",
"There is functioning hot water and operational plumbing (no visible leaks in photos).",
"Bedrooms' windows meet egress requirements (double-hung windows visible and assumed adequate).",
"No major hidden foundation or structural issues exist beyond what is visible; photos show level walls and no sagging ceilings.",
"Smoke and carbon monoxide detectors, GFCI outlets, and electrical panel were not visible in photos and therefore assumed missing or unverified and require confirmation/installation.",
"Solar panel lease (15 years remaining) is transferable as listed; the electrical interconnection and any inspector concerns about solar equipment condition are assumed manageable but should be confirmed."
],
"overall_score": 73.0,
"rubric_version": "ns-2026-03-27-v1"
},
{
"summary": "Overall this 3BR/2.5BA single family appears mostly rent‑ready for a Housing Choice Voucher initial inspection with minor repairs. Primary near‑term items to address: install/verify smoke detectors (and CO detectors if required locally), add missing outlet/cover/plate, clean or replace stained carpets, verify and document HVAC/water heater/electrical panel function and GFCI protection in kitchen/baths. With those corrective items (and confirmation of egress dimensions), this property is likely to pass an initial HCV/NSPIRE inspection within 7–30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 72.0,
"rationale": "Interior is largely intact with recent paint and functioning doors/windows visible. Cosmetic deferred maintenance: stained/soiled carpet in living areas and bedrooms, scuffed kitchen cabinets, minor ceiling seam/patch visible, few trim scuffs and missing outlet/cover in photos. Appliances (stove, microwave, refrigerator) are present. These are mostly cosmetic/tenant-ready repairs and would not be major capital replacements."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards observed (no collapsed ceilings, severe mold, standing water, or exposed major wiring). Handrail present at stairs. However, smoke detectors and carbon monoxide detectors are not visible in any photos (requirement risk). Some outlet/cover and small ceiling access/patch areas need attention. Bedroom window egress appears likely but sizes cannot be confirmed from photos. Missing/uncertain detectors and a few minor finish hazards lower the score."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 68.0,
"rationale": "Supply/return vents visible indicating central HVAC is present; no obvious evidence of no heating. Kitchen appliances and bathroom fixtures are present and appear functional. Roof shows solar panels and no visible sagging or active leaks from exterior photos, but shingles look aged. Electrical panel, water heater, and outside A/C condensing unit are not shown so their condition is assumed serviceable. Given limited visibility, assign moderate score for likely functional systems but recommend verification of A/C, water heater, electrical panel, and GFCI protection at wet areas."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior brick/siding and yard are well maintained; sidewalks and driveway are intact with no visible trip hazards. Garage and fenced yard present. Roof has solar array (leased) — panels appear mounted and roof shows normal wear for age but no obvious large failures. Overall low exterior/site risk."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos — failure risk for NSPIRE if absent.",
"Stained and worn carpeting in main living areas and bedrooms (trip/allergen concern; could hide damage).",
"Missing or damaged outlet/cover and small ceiling access/patch visible — minor but should be corrected prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide detectors are visible in photos; assume they are not present or not documented and will need verification/installation.",
"HVAC exists and is operational (supply/return vents visible), but the condenser, water heater, and electrical panel were not photographed and are assumed serviceable until verified.",
"Bedroom windows provide required egress based on typical double‑hung window sizing shown, but dimensions were not measured and should be confirmed.",
"Solar array is leased (listing note); lease does not affect HUD inspection pass/fail but may affect utility responsibilities — assumed transferable as listed.",
"No active roof leaks or foundation movement are visible in photos; assume none unless interior signs or seller disclosures indicate otherwise.",
"Smoke/CO detector, deadbolt presence, and GFCI protections are unknown because not pictured and assumed missing for scoring conservatism."
],
"overall_score": 71.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This 3-bed, 2.5-bath single-family appears generally sound and likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after addressing a few minor items. Primary work to reach compliance: verify/install smoke and CO detectors per local code, confirm/upgrade GFCI protection in kitchen/bath as needed, secure/repair the loose ceiling access, and perform cleaning or carpet replacement where stained. Mechanical and structural issues are not apparent from photos. Expect rent‑ready within ~30 days for a typical landlord/contractor timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall interior and exterior appear maintained with only minor deferred items visible: stained/soiled carpeting in main living areas, a misaligned/loose ceiling access panel in living room, scuffed kitchen cabinets and minor cosmetic wear. Major appliances (stove, microwave, refrigerator) are present in photos. No visible collapsed ceilings, open subfloor, or large areas of missing finishes. These are mostly cosmetic or small repair items (cleaning, carpet replacement or cleaning, patch/repair ceiling access) that are straightforward and not capital‑intensive."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards in photos (no exposed wiring, no standing water, no visible major structural failures). However, smoke and CO detectors are not visible in the interior photos (likely required), GFCI protection at kitchen/bath outlets cannot be confirmed, and deadbolt presence on main entry not shown. Bedroom windows appear standard double‑hung (egress probable but not confirmed). The visible kitchen has a mounted fire extinguisher (positive). Because several NSPIRE-required items are unverified from photos, score reduced to reflect inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Central HVAC registers/vents are visible indicating forced air present. Kitchen appliances are shown and appear functional. No water intrusion or active leaks visible. Roof has solar panels and shingles appear intact from photos though roof age is unknown; solar lease exists which indicates recent system work but also adds an ownership/maintenance variable. Electrical panel, water heater and condition of HVAC operation are not shown; absence of evidence lowers confidence but no visible signs of system failure."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior facade, lawn, driveway and walkways are in good visible condition; fence at rear looks serviceable. No visible foundation displacement, major siding damage or drainage pooling. Roof-mounted solar array is present; roof shows normal wear but no visible sagging or large missing areas. Curbside steps/walkways appear intact and safe."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — potential immediate NSPIRE fail if absent.",
"Loose/misaligned ceiling access panel in living room — could indicate attic access or unsecured opening that must be repaired.",
"Stained/soiled carpeting in living areas — not an immediate safety failure but affects habitability and may require replacement/cleaning.",
"Solar panel lease on roof (15 years remaining) — administrative/maintenance responsibility may complicate landlord obligations and should be reviewed prior to leasing."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational (vent registers visible) though full operational status not confirmed.",
"Hot water and plumbing fixtures are functioning (no leaks or damage visible in photos).",
"Electrical service and panel are intact and safe; no exposed high-risk wiring observed in photos but panel not shown.",
"Bedroom windows provide required egress (double‑hung windows appear of typical size for bedrooms).",
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be missing or unverified and should be confirmed/installed.",
"Solar panels are leased and the lease is transferable per listing; assume panels are professionally installed and not currently causing visible roof failure but may require documentation for landlord/tenant responsibilities."
],
"overall_score": 72.0,
"rubric_version": "ns-preset-2026-03-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "321 Amapola Cir, Terrytown, LA, 70056",
"aggregate": {
"summary": "This 3-bed, 2.5-bath single-family home appears largely rent-ready for Section 8/NSPIRE with mostly cosmetic repairs and standard inspector checklist items remaining. Major structure and systems show no visible catastrophic issues in photos. Likely to pass an initial HCV inspection after adding/ verifying required smoke and CO detectors, addressing any missing GFCI outlets, a professional cleaning (or carpet replacement if required), and a quick verification of HVAC, hot water, and electrical panel operation. The solar panel lease is transferable but should be disclosed to tenants/inspection as it can affect utility arrangements.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 74.0,
"rationale": "Exterior and interior photos show a generally well-maintained home with cosmetic wear only: stained/soiled carpeting in living areas and bedrooms, scuffed kitchen cabinet faces, minor paint touch-ups, and a slightly misaligned ceiling access panel. Appliances (stove and refrigerator) are present in photos. No evidence of collapsed ceilings, exposed subfloor, or major water damage. These are mostly easy-to-fix or turn-key cleaning/ cosmetic items; carpet replacement or professional cleaning and cabinet touch-ups expected before move-in."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Front yard, walkways, driveway and fencing appear in good repair and well-maintained. Brick and siding look intact, foundation perimeter shows no obvious major cracks in photos. Roof has solar array in place; no evidence of standing water or major drainage issues visible from exterior photos. Minor wear on shingles but no visible roof failure. Overall low site risk."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 66.7,
"rationale": "No visible life-threatening hazards in photos: stairs have a handrail, windows present in bedrooms for likely egress, no visible exposed live wiring, ceilings intact, plumbing fixtures present and appear functional. Missing/unknown items: smoke detectors and carbon monoxide detector not visible in photos (likely required), GFCI presence in kitchen/bath is not shown, electrical panel not photographed. No visible mold or active leaks. Score reduced to reflect unknown/uncertain safety items that an inspector commonly requires (detectors, GFCI outlets) and some cleanliness/stain issues."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 69.3,
"rationale": "Photos show supply/return vents indicating central HVAC; no outdoor condenser or furnace photographed to verify operational status. Water heater and electrical panel are not shown. Roof appears intact with solar panels installed under a 15-year lease (listing notes lease transferable); shingles show normal aging but no visible sagging or leaks. Plumbing fixtures and faucets visible and appear in good condition. Score assumes functional systems but penalizes for lack of visual confirmation and the solar lease complexity."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Central HVAC is present and operational (vents visible but condenser/furnace not photographed).",
"There is functioning hot water and operational plumbing (no visible leaks in photos).",
"Bedrooms' windows meet egress requirements (double-hung windows visible and assumed adequate).",
"No major hidden foundation or structural issues exist beyond what is visible; photos show level walls and no sagging ceilings.",
"Smoke and carbon monoxide detectors, GFCI outlets, and electrical panel were not visible in photos and therefore assumed missing or unverified and require confirmation/installation.",
"Solar panel lease (15 years remaining) is transferable as listed; the electrical interconnection and any inspector concerns about solar equipment condition are assumed manageable but should be confirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 72.0,
"rubric_version": "ns-2026-03-27-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7177670110"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.