Property ID: 7185420570
4732 Terrace S, 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
$1,596
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$39,900
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: 62.40%
Confidence: 85.00%
Overall this 3BR/1BA bungalow presents as cosmetically updated inside with functioning appliances visible and an intact exterior roofline and foundation. Primary NSPIRE risks are uncertainty about smoke/CO detector placement, lack of visible HVAC/furnace and water heater, and absence of a handrail at the front steps. No catastrophic structural failures are evident from photos. Likely a passable HCV inspection after a short checklist of safety items (install/verify detectors, add handrail if required, verify HVAC/plumbing/electrical) and minor exterior repairs; allow up to 2–4 weeks for verification and fixes, more if major system components are deficient.
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
$39,900
Beds
3
Baths
1
Living Area
1,125 sqft
Lot Size
6,970 sqft
Year Built
1920
Days on Market
160
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
This one is a must see at this price. Don't let it get away. LR, DR, Kitchen, 3 bedrooms, 1 full bath.
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$583
DP3 Annual Estimate$867
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$72
Replacement Value$63,600
Basis1,125 sqft / 1920
Nearby Houses
Photo unavailable
4736 Terrace S
sold · 0.01 mi
Price: $18,000
2 bd / 1 ba · 1,314 sqft
Latest sale: $18,000
Latest rent: —
Photo unavailable
4728 Terrace S
for_sale · 0.01 mi
Price: $29,900
3 bd / 2 ba · 1,276 sqft
Latest sale: $618,500
Latest rent: —
Photo unavailable
4733 Court S
sold · 0.03 mi
Price: $51,250
3 bd / 1 ba · 1,104 sqft
Latest sale: $51,250
Latest rent: —
Photo unavailable
4729 Court S
for_sale · 0.03 mi
Price: $46,900
3 bd / 1 ba · 1,148 sqft
Latest sale: $40,000
Latest rent: —
Photo unavailable
4731 Terrace S
off_market · 0.04 mi
Price: $9,000
— bd / — ba
Latest sale: $5,700
Latest rent: —
Photo unavailable
4731 Terrace S Lot 8
sold · 0.04 mi
Price: $5,700
— bd / — ba
Latest sale: $5,700
Latest rent: —
Photo unavailable
4745 Court S
off_market · 0.04 mi
Price: $1,150
3 bd / 2 ba · 1,478 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
4712 Terrace S
sold · 0.05 mi
Price: $50,000
3 bd / 2 ba · 1,264 sqft
Latest sale: $50,000
Latest rent: —
Photo unavailable
4800 Terrace S
sold · 0.05 mi
Price: $40,000
3 bd / 2 ba · 1,200 sqft
Latest sale: $40,000
Latest rent: —
Photo unavailable
4717 Terrace S
sold · 0.05 mi
Price: $105,000
3 bd / 1 ba · 1,332 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
4801 Court S
off_market · 0.06 mi
Price: $89,000
3 bd / 2 ba · 1,269 sqft
Latest sale: $87,450
Latest rent: —
Photo unavailable
4732 Avenue T
sold · 0.07 mi
Price: $49,900
3 bd / 1 ba · 1,380 sqft
Latest sale: $49,900
Latest rent: —
Photo unavailable
4704 Avenue T
sold · 0.09 mi
Price: $42,000
3 bd / 1 ba · 1,112 sqft
Latest sale: $42,000
Latest rent: —
Photo unavailable
4700 Avenue T
sold · 0.10 mi
Price: $71,050
4 bd / 2 ba · 2,663 sqft
Latest sale: $71,050
Latest rent: —
Photo unavailable
4721 Avenue T
sold · 0.10 mi
Price: $31,750
3 bd / 1 ba · 1,020 sqft
Latest sale: $31,750
Latest rent: —
Photo unavailable
4717 Avenue T
sold · 0.11 mi
Price: $42,000
2 bd / 1 ba · 1,022 sqft
Latest sale: $42,000
Latest rent: —
Photo unavailable
4832 Terrace S
sold · 0.12 mi
Price: $60,000
3 bd / 1 ba · 1,388 sqft
Latest sale: $60,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible heating system (furnace/AC unit) or water heater in photos — confirm operational heating and hot water prior to tenancy.
- Smoke/CO detectors not clearly observed or verified in required locations — could cause immediate NSPIRE failure.
- Front entry steps lack a handrail (unsafe stairs) which may be cited depending on local code and riser configuration.
Assumptions
- Appliances shown in kitchen photos (refrigerator and electric range) are present at move-in and operational; if not, treating them as missing will require replacement but not an NSPIRE safety fail by itself.
- Floor vents visible indicate a central or forced-air system is present; however the actual HVAC unit and water heater condition are unknown and should be verified on-site.
- No visible signs of active roof leaks, severe mold, or structural sagging in provided photos; assume none present unless an interior inspection reveals otherwise.
- Smoke and carbon monoxide detectors are not clearly visible in photos; assume detectors may be missing or not properly located and will require installation or verification.
- Bedroom egress windows are assumed to be standard-sized but their exact compliance with egress dimensions has not been verified from photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| No tax history available. | |||
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-02 | Price Changed | $39,900 |
| 2025-10-24 | Price Changed | $49,900 |
| 2025-09-09 | Listed | $59,900 |
| 2024-10-14 | Listing removed | $0 |
| 2024-09-09 | Listed for rent | $925 |
| 2022-07-12 | Sold | $62,000 |
| 2022-03-08 | Listing removed | $0 |
| 2022-03-04 | Listed for rent | $850 |
| 2022-02-25 | Listing removed | $0 |
| 2022-02-21 | Listed | $72,000 |
| 2018-10-20 | Listing removed | $695 |
| 2018-09-11 | Listed for rent | $695 |
| 2016-07-19 | Listing removed | $700 |
| 2016-06-22 | Listed for rent | $700 |
| 2015-09-15 | Listing removed | $700 |
| 2015-09-11 | Price Changed for rent | $700 |
| 2015-08-13 | Listed for rent | $750 |
| 2015-06-15 | Sold | $12,500 |
| 2015-04-21 | Relisted | $12,500 |
| 2015-04-14 | Listing removed | $12,500 |
| 2015-02-27 | Listed | $12,500 |
| 2010-07-05 | Listing removed | $5,600 |
| 2010-06-24 | Relisted | $5,600 |
| 2010-05-24 | Listing removed | $7,000 |
| 2010-04-23 | Listed | $7,000 |
Photo Gallery
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"parent_category": "Interior"
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{
"text": [
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"parent_category": "Interior"
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"parent_category": "Interior"
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"category": "Heating and Cooling",
"parent_category": "Interior"
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"category": "Interior Features",
"parent_category": "Interior"
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{
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"Lot Size Square Feet: 6970"
],
"category": "Land Info",
"parent_category": "Exterior"
},
{
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],
"category": "Garage and Parking",
"parent_category": "Exterior"
},
{
"text": [
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"High School: JACKSON-OLIN",
"Middle School: GREEN ACRES"
],
"category": "School Information",
"parent_category": "Community"
},
{
"text": [
"Source Listing Status: Active",
"County: Jefferson",
"Directions: From 5 Points West going West on Bessemer Rd, turn left onto Terrace S, house on right.",
"Source Property Type: RESIDENTIAL",
"Area: Ensley, Fairfield, Midfield, West End",
"Source Neighborhood: CENTRAL PARK",
"Parcel Number: 29-00-08-2-013-017.000",
"Subdivision: CENTRAL PARK",
"Property Subtype: Single Family"
],
"category": "Other Property Info",
"parent_category": "Listing"
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{
"text": [
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"Year Built: 1920",
"Construction Materials: Siding-Wood",
"Foundation Details: Crawl Space",
"Levels: 1-Story",
"Living Area Source: Per Tax Report",
"Property Age: 106",
"Levels or Stories: 1-Story",
"Total Area Main: 1125",
"Total Area Upper: 0",
"Year Built Details: Existing"
],
"category": "Building and Construction",
"parent_category": "Features"
},
{
"text": [
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"Water Source: Public Water"
],
"category": "Utilities",
"parent_category": "Features"
}
],
"location": {
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"fips_code": "01073",
"state_code": "AL"
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"address": {
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"line": "4732 Terrace S",
"unit": null,
"state": "Alabama",
"country": "USA",
"coordinate": {
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"state_code": "AL",
"postal_code": "35208",
"street_name": "Terrace",
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},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "88 days",
"source_listing_id": "110245",
"price_change_percentage": null
},
{
"date": "2002-08-07",
"price": 19900,
"listing": {
"status": "off_market",
"list_date": "2002-08-07T07:00:00Z",
"list_price": 19900,
"listing_id": "542060543",
"last_update_date": "2002-11-04T13:00:00Z",
"last_status_change_date": "2002-11-03T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "110245",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7185420570",
"generated_at": "2026-02-16T02:25:06.014024Z",
"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": 62.4
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3BR/1BA bungalow presents as cosmetically updated inside with functioning appliances visible and an intact exterior roofline and foundation. Primary NSPIRE risks are uncertainty about smoke/CO detector placement, lack of visible HVAC/furnace and water heater, and absence of a handrail at the front steps. No catastrophic structural failures are evident from photos. Likely a passable HCV inspection after a short checklist of safety items (install/verify detectors, add handrail if required, verify HVAC/plumbing/electrical) and minor exterior repairs; allow up to 2–4 weeks for verification and fixes, more if major system components are deficient.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior photos show recently painted walls, intact baseboards, hardwood floors in fair-to-good condition and built-in shelving. Kitchen has refrigerator and electric range present; cabinets are older but serviceable. Exterior shows intact porch and roofline with some worn siding and uneven lawn. No large areas of collapsed finishes or exposed subfloor observed. Issues appear mostly cosmetic and medium-effort repairs (exterior siding patches, possible fascia/porch touch-up, some cabinet work)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No obvious active life-threatening hazards in photos (no collapsed ceilings, no standing water, no visible major mold). However smoke/CO detectors are not clearly visible in most interior images (one small round device may be a detector but location/coverage is uncertain). Front entry steps lack a visible handrail and could be cited depending on riser count/municipal code. Bedroom egress windows are not explicitly shown; windows appear typical but not confirmed compliant. GFCI outlets, electrical panel location, and plumbing/hot-water function are not visible. These unknowns create moderate NSPIRE risk that can usually be remedied quickly if systems are present."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 60.0,
"rationale": "Roof appears intact from front photos with no visible sag or active leak staining. Interior floor vent(s) suggest forced-air or central heating/AC but no furnace/HVAC unit or water heater is visible in photos. Electrical panel and water heater condition unknown. Kitchen appliances shown (stove and refrigerator) indicate some functioning circuits. Given age (1920) there is moderate uncertainty about the condition/age of major systems; no visible catastrophic system failures, but verification and likely minor servicing/updates will be needed."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 65.0,
"rationale": "Exterior lot and envelope are generally intact: bungalow form with brick foundation and siding. Yard is somewhat overgrown and there are small areas of siding and trim wear at the rear/side. Foundation vents/openings exist; no obvious major foundation cracks or sagging visible. Driveway exists and appears usable. Landscaping and walkways require basic cleanup, and minor exterior repairs (siding, porch trim, possible crawlspace vent screening) are recommended but not structural."
}
],
"red_flags": [
"No visible heating system (furnace/AC unit) or water heater in photos — confirm operational heating and hot water prior to tenancy.",
"Smoke/CO detectors not clearly observed or verified in required locations — could cause immediate NSPIRE failure.",
"Front entry steps lack a handrail (unsafe stairs) which may be cited depending on local code and riser configuration."
],
"confidence": 0.6,
"assumptions": [
"Appliances shown in kitchen photos (refrigerator and electric range) are present at move-in and operational; if not, treating them as missing will require replacement but not an NSPIRE safety fail by itself.",
"Floor vents visible indicate a central or forced-air system is present; however the actual HVAC unit and water heater condition are unknown and should be verified on-site.",
"No visible signs of active roof leaks, severe mold, or structural sagging in provided photos; assume none present unless an interior inspection reveals otherwise.",
"Smoke and carbon monoxide detectors are not clearly visible in photos; assume detectors may be missing or not properly located and will require installation or verification.",
"Bedroom egress windows are assumed to be standard-sized but their exact compliance with egress dimensions has not been verified from photos."
],
"overall_score": 64.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 3-bed/1-bath, 1920 bungalow appears mostly cosmetically updated inside with working kitchen appliances visible and intact finishes. The property shows moderate exterior deferred maintenance (weathered siding/rear area and an uncovered foundation opening). Major unknowns that affect NSPIRE readiness are verification of a working heating system, operational smoke and CO detectors, presence of GFCI protection, and condition of major systems (water heater, HVAC, electrical panel). With targeted checks and minor exterior repairs and safety-device installations, this property is likely rent-ready within ~30 days. If heating or major system replacements are required, time and cost will increase significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show fresh paint, intact baseboards, finished floors and present kitchen appliances (refrigerator and electric range) — these are cosmetic/minor repair items. Cabinets are older but serviceable. Exterior photos show areas of weathered siding and a small rear addition that looks rough and will need patching/finish work. No visible collapsed ceilings, large holes or exposed subfloor. Missing appliances are not a major issue here because a refrigerator and range are visible. Overall condition appears mostly cosmetic with some exterior repair work needed."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 65.0,
"rationale": "No obvious electrical hazards, exposed wiring, or active water intrusion visible in the photos. A round ceiling/wall device visible in one living area (likely a smoke alarm) but existence and battery/wiring status of smoke detectors and any required CO alarms are not confirmed. GFCI outlets and the electrical panel are not shown. Windows appear present in bedrooms (egress likely adequate based on photos) but bedroom-by-bedroom egress not verifiable. Entry door appears intact; deadbolt not visible. Porch steps lack a visible handrail but riser count is small. Moderate NSPIRE risk because life-safety items (smoke/CO, GFCI, panel, heating source) need verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 55.0,
"rationale": "Rooflines appear intact in exterior photos with no obvious sagging or missing shingles, but close-up condition and age are unknown. No heating equipment (furnace, wall unit, or registers) is apparent in the interior photos — heating presence/operation must be confirmed. Water heater, HVAC, and electrical panel are not shown. Kitchen plumbing appears intact (sink and appliances present) but hot water and water heater condition unknown. Given the house age (1920) and lack of visible systems, there is moderate risk that at least one major system may need servicing or replacement."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Front yard, walkway and driveway look serviceable. Front porch and columns appear intact. Some exterior siding and trim (rear/side) look weathered or incomplete and will need repair; there is an uncovered foundation/crawl opening visible in one photo that should be secured/vented properly. Vegetation near the house will require trimming. No standing water or clear infestation evidence in photos. Overall, the site is functional but needs modest exterior work and crawlspace/foundation sealing."
}
],
"red_flags": [
"No visible heating system shown in photos — heating presence and operation must be verified (major fail if absent).",
"Uncovered/open foundation/crawlspace access visible in photos — needs proper screening/repair to meet code and pest control."
],
"confidence": 0.6,
"assumptions": [
"Kitchen refrigerator and electric range shown in photos are present and functional.",
"The round device visible on an interior wall is assumed to be a smoke alarm but its operational status is unconfirmed.",
"No visible HVAC equipment in photos; assume either window units or a central system exists but requires verification.",
"No interior photos of bathroom; assume plumbing fixtures exist and are operational until proven otherwise.",
"Roof shows no obvious failures in photos; assume no active leaks absent further evidence.",
"Electrical panel location and GFCI protection are not shown and must be verified during inspection.",
"Bedroom egress is assumed adequate based on window size in photos but exact compliance must be confirmed on-site."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE_v1.0"
},
{
"summary": "Moderate repair property. Interior is cosmetically in fair condition and includes basic appliances, but exterior siding/trim and foundation/crawlspace access show deferred maintenance. Safety risks include loose/visible wiring at a wall unit, lack of handrails on exterior steps, and an open foundation/crawlspace vent. Major building systems (HVAC, water heater, electrical panel) are not shown and should be verified. Likely a 30–60 day scope of repairs/verification to reach a high probability of passing an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 65.0,
"rationale": "Interior appears recently painted with intact flooring and trim in photos; kitchen appliances (stove, refrigerator) are present though cabinets/show some wear and a hood or trim piece appears missing. Exterior shows patched or mismatched siding at rear and some trim/porch wear. Overall cosmetic and finish work needed plus some exterior carpentry/patching. Missing minor items (cabinet doors, trim) and exterior repairs reduce score but no catastrophic visible failure."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "One smoke/CO-looking device is visible on an interior wall (good sign) but full detector placement and CO coverage not confirmed. Windows in bedrooms appear adequate for egress in photos. Visible loose cords at a wall-mounted unit and exposed crawlspace/foundation opening at rear present safety/pest risks. Exterior steps appear to lack handrails. GFCI presence in kitchen/bath, electrical panel condition, and plumbing/hot water operation are not visible and therefore assumed but unconfirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 50.0,
"rationale": "Roof line and shingles appear intact from front photos (no obvious sagging or major failures). No mechanical equipment (furnace/AC condensing unit, water heater, or electrical panel) is shown. Floor register visible indicating some forced-air or ducted system possibly present, but operability unverified. Plumbing fixtures and hot water not pictured. Given age (1920) systems should be verified; moderate risk until inspected."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 60.0,
"rationale": "Front yard and driveway look serviceable; porch and columns appear intact. Rear elevation shows siding in poor/unfinished condition, exposed foundation vent/opening and possible missing skirting which risks pests/water intrusion. Landscaping overgrowth near the house is minor but should be cleared. No visible standing water or collapsed elements."
}
],
"red_flags": [
"Potential electrical hazard: loose/exposed cords and wiring visible at wall-mounted unit",
"Missing/unsafe exterior handrails on porch/steps (trip/fall hazard)",
"Open or large foundation/crawlspace vent/opening at rear - pest and moisture entry risk",
"Exterior siding/trim damage and patching on rear elevation indicating possible water intrusion",
"Built 1920 — potential lead-based paint risk requiring disclosure and possible mitigation"
],
"confidence": 0.65,
"assumptions": [
"Listing photos represent the complete set of marketing photos; no additional interior images were provided.",
"Kitchen appliances (electric stove and refrigerator) shown are included and operable, but operation was not verified.",
"There is at least one working smoke detector (visible device), but full NSPIRE placement (hallways, each sleeping area) is unconfirmed.",
"Heating/AC likely exists (floor register visible) but operability and age are unknown.",
"Water heater and electrical panel exist but were not visible in photos and their condition is unknown.",
"No active roof leaks, major foundation movement, collapsed ceilings, or standing water are present—none visible in supplied photos.",
"Because the home was built in 1920, assume lead-based paint risk and required disclosures unless proven otherwise."
],
"overall_score": 58.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4732 Terrace S, Birmingham, AL, 35208",
"aggregate": {
"summary": "Overall this 3BR/1BA bungalow presents as cosmetically updated inside with functioning appliances visible and an intact exterior roofline and foundation. Primary NSPIRE risks are uncertainty about smoke/CO detector placement, lack of visible HVAC/furnace and water heater, and absence of a handrail at the front steps. No catastrophic structural failures are evident from photos. Likely a passable HCV inspection after a short checklist of safety items (install/verify detectors, add handrail if required, verify HVAC/plumbing/electrical) and minor exterior repairs; allow up to 2–4 weeks for verification and fixes, more if major system components are deficient.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 70.0,
"rationale": "Interior photos show recently painted walls, intact baseboards, hardwood floors in fair-to-good condition and built-in shelving. Kitchen has refrigerator and electric range present; cabinets are older but serviceable. Exterior shows intact porch and roofline with some worn siding and uneven lawn. No large areas of collapsed finishes or exposed subfloor observed. Issues appear mostly cosmetic and medium-effort repairs (exterior siding patches, possible fascia/porch touch-up, some cabinet work)."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 61.7,
"rationale": "Exterior lot and envelope are generally intact: bungalow form with brick foundation and siding. Yard is somewhat overgrown and there are small areas of siding and trim wear at the rear/side. Foundation vents/openings exist; no obvious major foundation cracks or sagging visible. Driveway exists and appears usable. Landscaping and walkways require basic cleanup, and minor exterior repairs (siding, porch trim, possible crawlspace vent screening) are recommended but not structural."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 60.0,
"rationale": "No obvious active life-threatening hazards in photos (no collapsed ceilings, no standing water, no visible major mold). However smoke/CO detectors are not clearly visible in most interior images (one small round device may be a detector but location/coverage is uncertain). Front entry steps lack a visible handrail and could be cited depending on riser count/municipal code. Bedroom egress windows are not explicitly shown; windows appear typical but not confirmed compliant. GFCI outlets, electrical panel location, and plumbing/hot-water function are not visible. These unknowns create moderate NSPIRE risk that can usually be remedied quickly if systems are present."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 55.0,
"rationale": "Roof appears intact from front photos with no visible sag or active leak staining. Interior floor vent(s) suggest forced-air or central heating/AC but no furnace/HVAC unit or water heater is visible in photos. Electrical panel and water heater condition unknown. Kitchen appliances shown (stove and refrigerator) indicate some functioning circuits. Given age (1920) there is moderate uncertainty about the condition/age of major systems; no visible catastrophic system failures, but verification and likely minor servicing/updates will be needed."
}
],
"red_flags": [
"No visible heating system (furnace/AC unit) or water heater in photos — confirm operational heating and hot water prior to tenancy.",
"Smoke/CO detectors not clearly observed or verified in required locations — could cause immediate NSPIRE failure.",
"Front entry steps lack a handrail (unsafe stairs) which may be cited depending on local code and riser configuration."
],
"confidence": 0.85,
"assumptions": [
"Appliances shown in kitchen photos (refrigerator and electric range) are present at move-in and operational; if not, treating them as missing will require replacement but not an NSPIRE safety fail by itself.",
"Floor vents visible indicate a central or forced-air system is present; however the actual HVAC unit and water heater condition are unknown and should be verified on-site.",
"No visible signs of active roof leaks, severe mold, or structural sagging in provided photos; assume none present unless an interior inspection reveals otherwise.",
"Smoke and carbon monoxide detectors are not clearly visible in photos; assume detectors may be missing or not properly located and will require installation or verification.",
"Bedroom egress windows are assumed to be standard-sized but their exact compliance with egress dimensions has not been verified from photos."
],
"score_method": "mean_of_criteria",
"overall_score": 62.4,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7185420570"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.