1321 25th Ave N, Hueytown, AL, 35023
Hueytown, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 67.90%
Confidence: 89.00%
Overall the property appears in fair-to-good condition and is likely rent-ready with minor-to-moderate repairs. The main inspection risks are safety-related: missing/uncertain smoke detectors, exposed/temporary wiring (pendant cord/extension), likely lack of GFCI protection at kitchen outlets, and no handrail at the front steps. Appliances and the kitchen look serviceable which reduces turnaround time, and exterior and roof appear stable. Addressing the electrical wiring, installing/confirming smoke/CO detectors, adding GFCI protection where required, and minor cosmetic touch-ups would move this property to a high Section 8 pass likelihood within 1-2 weeks.
Property Fundamentals
Property Description
Welcome to 1321 25th Ave N in Hueytown, a charming 3-bedroom, 1-bath home tucked away in the quiet Forest Glen neighborhood. This inviting property features a simple, functional layout designed for easy living and everyday comfort. Step outside to a fully fenced backyard, perfect for pets, play, or peaceful evenings under the shade of multiple pine trees as well as a mature mulberry tree. Along the side of the home, you'll find blueberry plants ready for harvest. Ideal for homemade jams, jellies, or fresh summer treats. An expanded driveway easily accommodates two or more full-size vehicles, adding everyday convenience. Whether you're searching for the perfect starter home or a smart investment opportunity, this property offers comfort, potential, and a great location in Hueytown.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Exposed/temporary wiring for ceiling lamp and extension cords visible in living area (electrical hazard).
- No visible smoke detectors (required) in living areas/bedrooms — likely inspection failure if absent.
- No visible GFCI protection on kitchen outlets (kitchen outlets appear unprotected in photos).
- Front entry steps lack a handrail (possible code violation depending on riser/height).
Assumptions
- No smoke detectors are present since none are visible in the interior photos; assume none or non-compliant placement until verified.
- Central HVAC exists and is functional because ceiling vents/returns are visible; operation not verified.
- Water heater and hot water supply are present but operation and condition are unknown (not pictured).
- Bedrooms and bathroom(s) meet minimum egress and plumbing requirements but were not photographed—egress windows and bathroom fixtures need verification during inspection.
- Electrical panel is accessible and serviceable since a covered panel box is visible in the living room photo; internal condition not verified.
- Exterior foundation and roof have no major concealed defects; roof appears in reasonable visual condition from front photo only.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $715 | $127,700 | $12,780 |
| 2023 | $681 | $122,200 | $12,220 |
| 2022 | $593 | $107,500 | $10,760 |
| 2021 | $460 | $85,300 | $8,540 |
| 2020 | $397 | $74,900 | $7,500 |
| 2019 | $397 | $74,900 | $7,500 |
| 2018 | $881 | $73,300 | $14,660 |
| 2017 | $933 | $77,700 | $15,540 |
| 2016 | $964 | $80,200 | $16,040 |
| 2015 | $964 | $80,200 | $16,040 |
| 2013 | $965 | $79,100 | $15,820 |
| 2012 | $965 | $79,140 | $15,828 |
| 2011 | $994 | $81,500 | $16,300 |
| 2010 | $994 | $81,500 | $16,300 |
| 2009 | $994 | $81,500 | $16,300 |
| 2008 | $974 | $79,800 | $15,960 |
| 2007 | $1,001 | $82,100 | $16,420 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-18 | Listed | $110,000 |
| 2018-06-29 | Sold | $79,000 |
| 2018-05-21 | Price Changed | $79,900 |
| 2018-03-05 | Price Changed | $84,900 |
| 2018-02-06 | Listed | $89,900 |
| 1996-12-13 | Sold | $58,000 |
| 1984-11-01 | Sold | $42,544 |
Photo Gallery
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}
},
{
"tax": 994,
"year": 2011,
"market": {
"land": 18900,
"total": 81500,
"building": 62600
},
"assessment": {
"land": 3780,
"total": 16300,
"building": 12520
}
},
{
"tax": 994,
"year": 2010,
"market": {
"land": 18900,
"total": 81500,
"building": 62600
},
"assessment": {
"land": 3780,
"total": 16300,
"building": 12520
}
},
{
"tax": 994,
"year": 2009,
"market": {
"land": 18900,
"total": 81500,
"building": 62600
},
"assessment": {
"land": 3780,
"total": 16300,
"building": 12520
}
},
{
"tax": 974,
"year": 2008,
"market": {
"land": 18900,
"total": 79800,
"building": 60900
},
"assessment": {
"land": 3780,
"total": 15960,
"building": 12180
}
},
{
"tax": 1001,
"year": 2007,
"market": {
"land": 18900,
"total": 82100,
"building": 63200
},
"assessment": {
"land": 3780,
"total": 16420,
"building": 12640
}
}
],
"property_history": [
{
"date": "2025-12-18",
"price": 110000,
"listing": {
"status": "for_sale",
"list_date": "2025-12-18T16:09:32Z",
"list_price": 110000,
"listing_id": "2989566839",
"last_update_date": "2026-02-15T01:51:34Z",
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},
{
"date": "2018-06-29",
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"listing": {
"status": "sold",
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"list_price": 79900,
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"last_update_date": "2018-06-29T21:14:02Z",
"last_status_change_date": "2018-10-10T08:32:58Z"
},
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "143 days",
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},
{
"date": "2018-05-21",
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"listing": {
"status": "sold",
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"list_price": 79900,
"listing_id": "629315147",
"last_update_date": "2018-06-29T21:14:02Z",
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"event_name": "Price Changed",
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{
"date": "2018-03-05",
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"listing": {
"status": "sold",
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"list_price": 79900,
"listing_id": "629315147",
"last_update_date": "2018-06-29T21:14:02Z",
"last_status_change_date": "2018-10-10T08:32:58Z"
},
"event_name": "Price Changed",
"price_sqft": 78.61111111111111,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "806340",
"price_change_percentage": null
},
{
"date": "2018-02-06",
"price": 89900,
"listing": {
"status": "sold",
"list_date": "2018-10-10T08:32:58Z",
"list_price": 79900,
"listing_id": "629315147",
"last_update_date": "2018-06-29T21:14:02Z",
"last_status_change_date": "2018-10-10T08:32:58Z"
},
"event_name": "Listed",
"price_sqft": 83.24074074074075,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "806340",
"price_change_percentage": "+55.00%"
},
{
"date": "1996-12-13",
"price": 58000,
"listing": null,
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"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1984-11-01",
"price": 42544,
"listing": null,
"event_name": "Sold",
"price_sqft": 39.39259259259259,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7245250078",
"generated_at": "2026-02-16T01:48:24.046986Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.9
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m2623053679s-w1280.jpg",
"rent_price": 1346.0,
"loan_amount": 88000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1321-25th-Ave-N_Bessemer_AL_35023_M72452-50078",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 110000.0,
"loan_term_years": 30,
"annual_cash_flow": 12951.85,
"mortgage_monthly": 585.47,
"payment_standard": 1760.0,
"total_amount_out": 22000.0,
"additional_photos": [
"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m2284311019s-w1280.jpg",
"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m2723264165s-w1280.jpg",
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"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m655144029s-w1280.jpg",
"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m1041874358s-w1280.jpg",
"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m420715159s-w1280.jpg",
"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m1088052814s-w1280.jpg",
"https://ap.rdcpix.com/3589adfeb46400e72a484f253ffbdb5fl-m3181645965s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 70.71,
"monthly_cash_flow": 1079.32,
"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 has central heating. Electric is chosen as the fuel type to be consistent with the electric water heater and cooking appliances. The 'Elec Heat: Bessemer' schedule was selected based on the property's location in the Bessemer/Hueytown area.",
"utility": "Heating",
"allowance": 67
},
{
"note": "Property has central cooling, which is electric. The 'A/C: Bessemer' schedule was selected based on the property's location.",
"utility": "Cooling",
"allowance": 15
},
{
"note": "Property has an electric cooktop and oven. The 'Elec: Bessemer' schedule was selected based on the property's location.",
"utility": "Cooking",
"allowance": 14
},
{
"note": "Property has an electric water heater. The 'Elec: Bessemer' schedule was selected based on the property's location.",
"utility": "Water Heating",
"allowance": 37
},
{
"note": "This covers general electric use for lights and other appliances. The 'Lights, Ref, Etc.: Bessemer' schedule was selected based on the property's location.",
"utility": "Other Electric",
"allowance": 48
},
{
"note": "Property uses public water. The 'Water: Bessemer' schedule was selected based on the property's location in the Bessemer/Hueytown area.",
"utility": "Water",
"allowance": 68
},
{
"note": "Property is connected to a public sewer system per the listing details. The allowance is based on a fixed rate from the schedule.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash collection is standard for a single-family home. The 'Bessemer ISCL' schedule, selected for the property's location, has an allowance of $0, which may indicate the cost is covered by taxes or other fees.",
"utility": "Trash Collection",
"allowance": 0
},
{
"note": "The property listing does not mention a provided refrigerator, so this allowance is for a tenant-owned appliance.",
"utility": "Refrigerator (tenant-owned)",
"allowance": 8
},
{
"note": "The property listing does not mention a provided microwave, so this allowance is for a tenant-owned appliance.",
"utility": "Range/Microwave (tenant-owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.59,
"down_payment_amount": 22000.0,
"property_tax_annual": 736.45,
"property_tax_monthly": 61.37,
"property_tax_increase": 0.03,
"utility_allowance_total": 414.0,
"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": 5926.26,
"property_management_monthly": 134.6,
"monthly_cash_flow_after_debt": 493.85,
"cash_on_cash_return_after_debt": 0.27
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears in fair-to-good condition and is likely rent-ready with minor-to-moderate repairs. The main inspection risks are safety-related: missing/uncertain smoke detectors, exposed/temporary wiring (pendant cord/extension), likely lack of GFCI protection at kitchen outlets, and no handrail at the front steps. Appliances and the kitchen look serviceable which reduces turnaround time, and exterior and roof appear stable. Addressing the electrical wiring, installing/confirming smoke/CO detectors, adding GFCI protection where required, and minor cosmetic touch-ups would move this property to a high Section 8 pass likelihood within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior and exterior are generally intact with recent-looking laminate flooring, functioning kitchen cabinets and appliances present (stove, microwave, dishwasher). Visible cosmetic issues: scuffed/dirty walls, chipped cabinet paint, worn baseboard areas, some flooring lift at thresholds, and garden beds needing clean-up. Missing or damaged outlet/cover in a few photos and a pendant light wired with a visible cord reduce turnkey rating, but no large-scale deferred maintenance or collapsed elements are visible. Missing appliances would have reduced score moderately, but full kitchen appliances are present."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Several NSPIRE-relevant concerns: no smoke detectors visible in main living photos (required), visible lamp/fixture wiring run across the ceiling and a loose extension cord at the window creating an electrical hazard, and no obvious GFCI-protected kitchen outlets in photos. Front steps lack a handrail (potential code issue depending on riser count) and windows/bedroom egress were not shown. Electrical panel appears intact and covered in the living room. No visible severe water intrusion, standing water, collapsed ceilings, or major structural defects. These items create moderate inspection risk that should be corrected before voucher inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Central HVAC registers/returns visible in ceiling suggesting forced air system, and stainless kitchen appliances (electric range, microwave, dishwasher) appear present and modern. Electrical panel is visible and appears closed. Water heater and main plumbing fixtures were not photographed; kitchen sink visible but hot water operation unverified. Roof appears shingled and in reasonable condition from front photo with gutters present. Because key system operations (HVAC run test, water heater, plumbing leaks) cannot be confirmed from photos the score reflects likely functional systems but with moderate verification risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick exterior and roofline look solid with gutters and an expanded driveway. Backyard is advertised as fully fenced and images show mature trees and planters; overall curb appeal is intact. Front porch and steps are serviceable though lack a handrail and landscaping needs cleanup. No visible foundation cracks, standing water, or exterior structural sagging in provided photo set."
}
],
"red_flags": [
"Exposed/temporary wiring for ceiling lamp and extension cords visible in living area (electrical hazard).",
"No visible smoke detectors (required) in living areas/bedrooms — likely inspection failure if absent.",
"No visible GFCI protection on kitchen outlets (kitchen outlets appear unprotected in photos).",
"Front entry steps lack a handrail (possible code violation depending on riser/height)."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors are present since none are visible in the interior photos; assume none or non-compliant placement until verified.",
"Central HVAC exists and is functional because ceiling vents/returns are visible; operation not verified.",
"Water heater and hot water supply are present but operation and condition are unknown (not pictured).",
"Bedrooms and bathroom(s) meet minimum egress and plumbing requirements but were not photographed—egress windows and bathroom fixtures need verification during inspection.",
"Electrical panel is accessible and serviceable since a covered panel box is visible in the living room photo; internal condition not verified.",
"Exterior foundation and roof have no major concealed defects; roof appears in reasonable visual condition from front photo only."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed, 1-bath brick home appears structurally sound and close to rent-ready for a Housing Choice Voucher inspection, but several safety/code items currently risk an initial NSPIRE failure. The biggest issues are visible temporary/exposed electrical wiring (pendant/extension cord), lack of visible smoke/CO detectors, and likely missing GFCI protection at kitchen outlets. Cosmetic repairs, painting, and minor floor work are needed but are straightforward. If the electrical wiring is corrected, GFCI installed, and required detectors added, the property is likely to pass after those fixes (turnkey within ~1-4 weeks depending on contractor availability).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior is mostly intact but shows moderate cosmetic deferred maintenance: scuffed/dirty walls, worn baseboards/trim, some floorboard gaps and wear near thresholds, cabinet wear and chipped paint. Major appliances (range, microwave, dishwasher) are present which reduces the impact of missing items. No visible collapsed finishes or extensive rot. Expect cosmetic painting, minor floor repairs, door/trim touch-up and cabinet repairs to be completed before move-in."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 56.0,
"rationale": "Several NSPIRE safety risks visible or likely: no smoke detector or CO alarm visible in photos, a pendant lamp with a visible temporary/extension cord route across the ceiling and loose wiring along wall (electrical hazard), and kitchen outlets near sink appear to be standard duplex (no visible GFCI/reset). Positive items: interior electrical panel present and appears closed, front door has two locks, fire extinguisher mounted near entry. Bedrooms/egress windows and bathroom fixtures not shown and assumed passable but unverified. These observed electrical/detector issues create moderate likelihood of an initial inspection failure unless corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.0,
"rationale": "Central HVAC supply/return vents visible in ceilings indicating forced air system likely present. Roof appears in serviceable condition from front photo (shingles look intact, gutters present). Stainless appliances installed, suggesting modern electrical connections. Water heater/plumbing risers and furnace not shown; plumbing fixtures at sink and dishwasher present. No visible active leaks or major water stains in ceilings. Without interior mechanical access (water heater/furnace) this score assumes typical working condition but flags that service verification is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior brick facade looks sound, gutters installed, roofline appears even, and the yard is fully fenced per listing photos. Expanded driveway present and usable. Front steps are low — no obvious collapsed stoop — and landscaping is modest. No standing water, major foundation cracks or visible infestation evidence. Minor landscaping and planter bed cleanup needed."
}
],
"red_flags": [
"Exposed/temporary electrical wiring and pendant cord routed across ceiling (electrical hazard).",
"No visible smoke detectors (and no visible CO alarm) in photographed areas — likely fails smoke/CO detector requirement.",
"Kitchen outlets near sink appear to lack GFCI protection (no visible GFCI receptacle).",
"Interior walls and floors show wear/gaps that could conceal underlying issues if not addressed (moderate risk)."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or CO alarms are present in the areas photographed since none are visible; none hidden out of frame are assumed.",
"Central HVAC is present and functional because ceiling supply/return vents are visible; systems operation not directly verified.",
"Water heater and main plumbing are located out of frame and are functional unless discovered otherwise during inspection.",
"Bedrooms provide legal egress windows (not photographed); no evidence of blocked egress was seen.",
"Appliances shown (range, microwave, dishwasher) are operational or serviceable; absence of a refrigerator is not assumed.",
"Front steps are two risers (no handrail required by typical local code) based on photos; no unsafe stairs observed.",
"No active roof leaks or major structural issues exist based on clean interior ceilings and intact exterior roofline in photos."
],
"overall_score": 69.0,
"rubric_version": "ns-2026-1.0"
},
{
"summary": "This 3-bed / 1-bath single-family appears structurally sound and largely cosmetically worn. With targeted, short-term repairs — install/verify smoke detectors and CO alarms, remove/replace temporary wiring, install GFCI where required, paint/patch walls, address small floorboard gaps, and verify HVAC and hot water operation — the home is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection. Expect 1–4 weeks of work for cosmetic and safety fixes and up to 30 days if system servicing is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows mostly cosmetic wear: scuffed/marked walls, chipped baseboards, some floorboard gaps/lifting near thresholds and minor staining on ceilings. Kitchen cabinets are worn but intact; major appliances (electric range, microwave, dishwasher) are present and appear recently updated (stainless). No visible collapsed surfaces or exposed subfloor. Missing/aged window blinds, paint, and floor touch-up expected. These are largely cosmetic or minor repair items that should be completed prior to leasing."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 50.0,
"rationale": "Observed safety risks: no visible smoke detectors in the main living areas or ceiling photos (required), an electrical cord/fixture run visible across the ceiling/ wall (appears to be temporary wiring/extension cord used as permanent lighting) which is an electrical hazard, and kitchen outlets near sink do not show obvious GFCI protection. Door and deadbolt appear installed; electrical panel cover is present. Ceiling has several discolored spots consistent with past water intrusion; active leak not confirmed but stain indicates need for verification. Bedroom egress windows not shown but typical single-story windows likely meet egress — assumed but unconfirmed. These items represent inspection-fail risks until corrected (smoke detectors/GFCI/replace temporary wiring/confirm no active leaks)."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Major systems show mixed evidence: roof and exterior shingles appear intact from frontal photo (no sagging), central HVAC supply vents visible in ceiling indicating a central system likely present, and kitchen plumbing fixtures and dishwasher are installed. Electric range and microwave are present and appear functional. Electrical panel is visible and intact. Water heater and furnace visibility/operation not provided; their operational status is assumed but unverified. No active water pooling observed. Given the visible vents and installed appliances, systems likely functional but require verification and functional testing (heating, hot water, water heater age, HVAC service)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brick envelope looks solid with gutters intact and a relatively even roofline. Front steps are small (no visible broken treads) though no handrail is present; steps appear to be two risers (handrail may not be required depending on local code). Listing states a fully fenced backyard and expanded driveway (photos show widened driveway). Minor site issues: front planting beds overgrown/neglected and a cracked sidewalk area near the walk. Mature trees close to the roof may require routine maintenance. No visible foundation movement, standing water, or infestation evidence in photos."
}
],
"red_flags": [
"No visible smoke detectors / hardwired or battery alarms not shown — inspection-fail until installed/verified.",
"Electrical hazard: temporary/permanent use of an extension cord/ceiling cord for lighting visible — must be replaced with permanent wiring/fixed fixture.",
"Possible missing GFCI protection at kitchen sink vicinity (outlets appear standard) — code/NSPIRE issue until resolved.",
"Ceiling stains/discoloration indicating past water intrusion — requires verification to rule out active leak or roof failure."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC exists and vents visible in ceilings indicate a functional forced-air system, but operation and heating capability were not confirmed by photos.",
"Water heater is present somewhere on site and provides hot water; hot water operation is assumed but unverified.",
"Bedrooms have egress-compliant windows (not shown in provided photos); assumed typical for 1980 single-family but should be confirmed.",
"Listing statement that backyard is fully fenced is accurate (backyard photos not provided).",
"Ceiling discoloration represents past water intrusion; no active leak visible in photos but further inspection recommended.",
"Appliances visible (range, microwave, dishwasher) are in working condition or can be made so with minor servicing; refrigerator is not visible and may be missing."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1321 25th Ave N, Hueytown, AL, 35023",
"aggregate": {
"summary": "Overall the property appears in fair-to-good condition and is likely rent-ready with minor-to-moderate repairs. The main inspection risks are safety-related: missing/uncertain smoke detectors, exposed/temporary wiring (pendant cord/extension), likely lack of GFCI protection at kitchen outlets, and no handrail at the front steps. Appliances and the kitchen look serviceable which reduces turnaround time, and exterior and roof appear stable. Addressing the electrical wiring, installing/confirming smoke/CO detectors, adding GFCI protection where required, and minor cosmetic touch-ups would move this property to a high Section 8 pass likelihood within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Interior and exterior are generally intact with recent-looking laminate flooring, functioning kitchen cabinets and appliances present (stove, microwave, dishwasher). Visible cosmetic issues: scuffed/dirty walls, chipped cabinet paint, worn baseboard areas, some flooring lift at thresholds, and garden beds needing clean-up. Missing or damaged outlet/cover in a few photos and a pendant light wired with a visible cord reduce turnkey rating, but no large-scale deferred maintenance or collapsed elements are visible. Missing appliances would have reduced score moderately, but full kitchen appliances are present."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.3,
"rationale": "Brick exterior and roofline look solid with gutters and an expanded driveway. Backyard is advertised as fully fenced and images show mature trees and planters; overall curb appeal is intact. Front porch and steps are serviceable though lack a handrail and landscaping needs cleanup. No visible foundation cracks, standing water, or exterior structural sagging in provided photo set."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.3,
"rationale": "Several NSPIRE-relevant concerns: no smoke detectors visible in main living photos (required), visible lamp/fixture wiring run across the ceiling and a loose extension cord at the window creating an electrical hazard, and no obvious GFCI-protected kitchen outlets in photos. Front steps lack a handrail (potential code issue depending on riser count) and windows/bedroom egress were not shown. Electrical panel appears intact and covered in the living room. No visible severe water intrusion, standing water, collapsed ceilings, or major structural defects. These items create moderate inspection risk that should be corrected before voucher inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 67.7,
"rationale": "Central HVAC registers/returns visible in ceiling suggesting forced air system, and stainless kitchen appliances (electric range, microwave, dishwasher) appear present and modern. Electrical panel is visible and appears closed. Water heater and main plumbing fixtures were not photographed; kitchen sink visible but hot water operation unverified. Roof appears shingled and in reasonable condition from front photo with gutters present. Because key system operations (HVAC run test, water heater, plumbing leaks) cannot be confirmed from photos the score reflects likely functional systems but with moderate verification risk."
}
],
"red_flags": [
"Exposed/temporary wiring for ceiling lamp and extension cords visible in living area (electrical hazard).",
"No visible smoke detectors (required) in living areas/bedrooms — likely inspection failure if absent.",
"No visible GFCI protection on kitchen outlets (kitchen outlets appear unprotected in photos).",
"Front entry steps lack a handrail (possible code violation depending on riser/height)."
],
"confidence": 0.89,
"assumptions": [
"No smoke detectors are present since none are visible in the interior photos; assume none or non-compliant placement until verified.",
"Central HVAC exists and is functional because ceiling vents/returns are visible; operation not verified.",
"Water heater and hot water supply are present but operation and condition are unknown (not pictured).",
"Bedrooms and bathroom(s) meet minimum egress and plumbing requirements but were not photographed—egress windows and bathroom fixtures need verification during inspection.",
"Electrical panel is accessible and serviceable since a covered panel box is visible in the living room photo; internal condition not verified.",
"Exterior foundation and roof have no major concealed defects; roof appears in reasonable visual condition from front photo only."
],
"score_method": "mean_of_criteria",
"overall_score": 67.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7245250078"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.