Property ID: 7291089725
4814 Jean Lafitte Blvd, Lafitte, LA, 70067
Lafitte, LA
Money Down: $62,880
CoC Return: -3.66%
Monthly Cash Flow: $-192
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$52,400
Closing Costs
$10,480
Total Down
$62,880
Investment Snapshot
Purchase Price
$262,000
Money Down
$62,880
Cash-on-Cash Return
-3.66%
Rent
$1,696
Monthly Cash Flow
$-192
Annual Cash Flow
$-2,303
Debt Service / Mo
$1,394
Property Tax / Mo
$189
Insurance / Mo
$134
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$134
Property Tax
$189
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,203
Debt Service
$1,394
Cash Flow After Debt
$-192
Quality Score: 70.60%
Confidence: 91.00%
Overall the property appears to be a livable, raised waterfront single-family home with intact major systems and generally good interior condition. Primary Section 8/NSPIRE risks are likely to be: verification/installation of smoke and carbon monoxide alarms, confirmation of bedroom egress windows, and minor exterior deck/railing maintenance and GFCI outlet verification. Mechanical systems appear present (HVAC, water heater, electrical panel), but onsite functional testing will be required. With targeted, short-term fixes (alarms, GFCI, a few deck/rail repairs, verify egress), the unit is likely to pass an initial voucher inspection within 30 days.
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
$262,000
Beds
3
Baths
3
Living Area
1,725 sqft
Lot Size
—
Year Built
1866
Days on Market
21
Capital Outlay
$62,880
Debt Service
$1,394
Property Tax / Mo
$189
Insurance / Mo
$134
Property Description
Fish, fish, fish! This home/camp is just waiting for you to come enjoy all the incredible amenities that come with river living. Whether you love to fish, swim, boat, or simply relax by the water, this property has it all. Featuring 3 bedrooms and 3 full baths, this home offers a large den perfect for gatherings and a spacious eat-in kitchen ready for family meals and entertaining. Step outside to a huge porch ideal for taking in the views, plus a large fishing dock that's perfect for casting a line and enjoying everything waterfront living has to offer.
Utility Allowances
cooking
$12
Selected 'natural_gas' as the property details specify 'Gas: Natural' and include an oven/range. This is for a 3-bedroom unit.
heating
$70
Selected 'natural_gas' as the property has 'Central' heating and a 'Natural' gas connection. This is for a 3-bedroom unit.
other_electric
$67
A standard allowance for lighting, appliances, and other electric needs including the 'Central Air' cooling system. This is for a 3-bedroom unit.
sewer
$46
The property is connected to a 'Public Sewer'/'City' sewer system. This is for a 3-bedroom unit.
trash_collection
$25
Standard municipal service for a single-family home, assumed to be a tenant expense. This is for a 3-bedroom unit.
water
$43
The property is connected to a 'Public' water source. This is for a 3-bedroom unit.
water_heating
$24
Selected 'natural_gas' as the most logical fuel source given the property's natural gas connection for other appliances. This is for a 3-bedroom unit.
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$1,613
DP3 Annual Estimate$1,613
DP1 Monthly Equivalent$134
DP3 Monthly Equivalent$134
Replacement Value$118,900
Basis1,725 sqft / 1866
Nearby Houses
No nearby houses were returned.
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are recent and accurately represent current condition.
- Gas cooktop is installed (visible burners) — therefore a carbon monoxide alarm is required if a fuel-burning appliance is present.
- Central HVAC is present and operational (supply/return vents visible), but no functional test results are available.
- Water heating is supplied by the small tankless-style unit visible in the laundry; it is assumed operational but untested.
- Smoke and CO alarms are not visible in photos; assume they may be missing or not in required locations until confirmed.
- Bedroom egress windows cannot be measured from photos; assume potential egress risk for at least one small bedroom unless proven otherwise.
- No visible major structural issues (foundation movement, roof sagging) were observed; assume pier foundation is structurally sound unless a site inspection finds otherwise.
- Because the home’s year built is 1866, assume potential historic/lead-paint risk exists even though no peeling lead-based paint is visible — lead-safe work practices may be required during repairs.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,207 | $190,300 | $19,030 |
| 2024 | $2,204 | $190,300 | $19,030 |
| 2023 | $1,079 | $85,900 | $8,590 |
| 2022 | $1,050 | $85,900 | $8,590 |
| 2021 | $987 | $85,900 | $8,590 |
| 2020 | $2,066 | $181,000 | $18,100 |
| 2019 | $2,092 | $181,000 | $18,100 |
| 2018 | $1,947 | $181,000 | $18,100 |
| 2017 | $1,947 | $181,000 | $18,100 |
| 2016 | $1,907 | $181,000 | $18,100 |
| 2015 | $1,939 | $181,000 | $18,100 |
| 2014 | $1,915 | $181,000 | $18,100 |
| 2013 | $909 | $85,900 | $8,590 |
| 2012 | $115 | $85,900 | $8,590 |
| 2011 | $109 | $85,600 | $8,560 |
| 2010 | $863 | $85,600 | $8,560 |
| 2009 | $863 | $85,600 | $8,560 |
| 2008 | $102 | — | $8,560 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2014-03-28 | Sold | — |
Photo Gallery
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"label": "Systems & Mechanical",
"score": 80.0,
"rationale": "Major systems appear present and in serviceable condition from photos: metal roof looks intact, central air vents present (indicating forced-air HVAC), electrical panel present, and a small tankless-style water heater is visible in the laundry room suggesting hot water. Kitchen shows built-in appliances including gas cooktop and wall oven. No visible evidence of active roof leaks, sagging rooflines, or major foundation movement — raised pier foundation looks straight. Because systems cannot be tested from photos, this score assumes operational condition but flags need for onsite testing of HVAC, plumbing, and hot water delivery."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Elevated structure on concrete piers (appropriate for floodplain) with a large covered porch and private dock. Siding and metal roof appear in good cosmetic condition. Exterior wood components (porch railings and stairs) appear weathered and will likely need maintenance (stain/replace a few boards). Drive/parking area and walkways appear level and usable. Dock condition cannot be assessed in detail from photos; waterfront exposure increases inspection emphasis on secure railings and safe dock structural condition. No visible pest infestation or severe yard neglect from listing photos."
}
],
"red_flags": [],
"confidence": 0.67,
"assumptions": [
"Photos are recent and accurately represent current condition.",
"Gas cooktop is installed (visible burners) — therefore a carbon monoxide alarm is required if a fuel-burning appliance is present.",
"Central HVAC is present and operational (supply/return vents visible), but no functional test results are available.",
"Water heating is supplied by the small tankless-style unit visible in the laundry; it is assumed operational but untested.",
"Smoke and CO alarms are not visible in photos; assume they may be missing or not in required locations until confirmed.",
"Bedroom egress windows cannot be measured from photos; assume potential egress risk for at least one small bedroom unless proven otherwise.",
"No visible major structural issues (foundation movement, roof sagging) were observed; assume pier foundation is structurally sound unless a site inspection finds otherwise.",
"Because the home’s year built is 1866, assume potential historic/lead-paint risk exists even though no peeling lead-based paint is visible — lead-safe work practices may be required during repairs."
],
"overall_score": 72.0,
"rubric_version": "2026-03-hud-nspire-v1"
},
{
"summary": "Overall this elevated waterfront single-family appears generally well-maintained and is likely to pass an initial Section 8 (HCV/NSPIRE) inspection after addressing a few minor-to-moderate items. Interior finishes, appliances, and fixtures are largely present and in good cosmetic condition. The main inspection risks are missing/undocumented smoke and carbon monoxide detectors, unknown bedroom egress compliance for some windows, and weathered exterior deck railings that should be checked/secured. Major systems (roof, HVAC, plumbing, electrical service) are present visually but require operational verification. Expect a likely pass after 1–3 weeks of targeted fixes (detectors, GFCI verification, deck fasteners/repairs) and standard system checks; if any hidden issues are found (failed HVAC, non-compliant egress, unsafe gas lines) additional work would be needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show generally clean, well-maintained finishes: hardwood and tile floors, updated kitchen cabinetry, built-in oven, cooktop and visible refrigerator, multiple full baths and a working-looking laundry with washer/dryer present. Cosmetic issues visible include weathered exterior wood railings/decking, minor wall/ceiling blemishes (small nail holes, scuffs), and some worn paint in rooms. No major interior finish failure or exposed subfloor observed. Missing or broken items are cosmetic or easily repaired; overall moderate-good condition."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Photos do not show smoke detectors or carbon monoxide detectors (not visible in living areas/bedrooms). Bedrooms include smaller windows (some jalousie-style) — egress size/operation cannot be confirmed from photos. Exterior elevated deck and stair railings are present but wood looks weathered and may have loose balusters or fasteners; deck-to-stair connections should be verified. Electrical panel is visible in laundry area and appears enclosed; no obvious exposed wiring observed. Gas cooktop and built-in oven are present — gas connection condition unknown. Bathrooms and kitchen have functioning fixtures visible; GFCI locations not confirmable. No active roof leaks, collapsed ceilings, exposed subfloor, or standing water seen. Because detectors/egress/GFCI are not verifiable, there is a moderate NSPIRE risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electric / Plumbing / Roof)",
"score": 65.0,
"rationale": "Central HVAC supply vents visible in ceiling; presence suggests central heating/cooling but operation and age unknown. Roof is metal and appears intact in exterior photos (no visible active failure). Plumbing fixtures in kitchens/baths and washer/dryer hookups are present and appear functional from photos; water heater configuration is unclear but a small unit/device is visible in the laundry area (could be on-demand or control device) — condition and capacity need verification. Electrical service and panel are present and located inside laundry area (sealed panel visible). No obvious evidence of system failures in photos, but verification is required for HVAC operation, water heating, and gas line safety."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Elevated stilt construction on concrete pilings is appropriate for waterfront/flood-prone site; pilings appear intact with no visible settlement or major cracking. Vinyl siding/metal roof and paved parking area look serviceable. Large porch and dock present; exterior wood elements (porch decking and railings) show weathering and will likely need maintenance (staining/fastener replacement). No visible standing water or active erosion in photos, but property is adjacent to a river — flood risk high by location though not an immediate NSPIRE structural fail in images provided."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"No smoke detectors or carbon monoxide detectors were visible in the provided photos; assume they are missing or not visible and need verification/installation.",
"Central HVAC is assumed present and serviceable because supply vents are visible; full operational condition is unconfirmed.",
"Electrical panel is present and appears enclosed in the laundry photo; assume service is intact but circuit labeling and functionality should be tested.",
"Kitchen appliances (refrigerator, cooktop, double oven) and washer/dryer are present as shown; assume hookups and gas/electric connections are safe but require inspection.",
"Bedrooms with jalousie/louvered windows may or may not meet bedroom egress size requirements; assume egress needs verification during inspection.",
"Exterior deck and dock are serviceable but the wooden railings and deck boards are weathered and may need fastening, repair, or replacement.",
"No visible mold, active leaks, collapsed ceilings, major foundation cracks, or standing water were observed in photos; assume none are present unless found on-site.",
"Because this is a riverfront property on stilts, flood risk exists but is not an immediate NSPIRE fail unless damage or water intrusion is present."
],
"overall_score": 68.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall this elevated waterfront single-family property appears broadly tenant-ready with primarily minor repairs and code-compliance items likely required for an initial Section 8 (NSPIRE) inspection. Visible systems (HVAC, electrical panel, water heater, kitchen appliances, laundry) appear present and intact; interior finishes are in good condition. Main inspection risks are missing/uncertain smoke & CO detectors, unverified GFCI protection, potential egress questions for at least one small bedroom, and the need to verify deck/dock safety. With targeted, short-turn fixes (install detectors, confirm/repair GFCIs, confirm bedroom egress, minor deck maintenance and dock safety check) this property would likely pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show well-maintained finishes (hardwood & tile floors, clean cabinetry, intact fixtures). Kitchen appears complete with refrigerator, cooktop and double oven; washer/dryer present. Exterior deck railings and wood trim show weathering and will likely need sanding/sealing or localized repairs. No obvious collapsed or severely damaged surfaces visible. Overall visible items are mostly cosmetic or minor maintenance rather than major structural work."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 62.0,
"rationale": "No obvious exposed wiring, active leaks, roof sagging, or collapsed ceilings observed. Electrical panel appears present and intact (photo shows a panel). Central HVAC supply registers visible which suggests heating/cooling. However, smoke detectors and carbon monoxide alarms are not visible in the photos (required by NSPIRE), GFCI outlets in kitchen/baths are not confirmed, and at least one small bedroom shows a small window whose egress adequacy is uncertain. Deck and dock are present but dock safety/guardrail condition on dock not shown. These unknowns create moderate inspection risk that would likely require quick fixes (install detectors, add GFCIs, verify egress) before pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Photos indicate central HVAC (ceiling vents) and a water heating appliance visible in laundry (appears to be an on-demand or small wall-mounted unit) and a visible electrical panel — suggesting main systems exist and are likely functional. Roof appears to be metal and in good visual condition in exterior photos. Plumbing fixtures (toilets, sinks, showers) appear intact. No visible signs of active water intrusion or severe system failure. Because system operation (age, certification, functionality) cannot be confirmed from photos, a moderate score reflects likely serviceable systems but recommends straightforward verification (HVAC service, water heater check, panel labeling)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Home is elevated on concrete pilings (appropriate for waterfront) and the pilings appear sound in photos. Siding and roofline appear intact. Large covered porch and fishing dock present; the porch railing looks weathered and will likely need maintenance. Dock condition and connection to shore not fully visible and should be assessed for safety/structural soundness. Parking/drive area shows wear/staining but is serviceable. Waterfront location increases exposure to salt/flood conditions which may accelerate maintenance needs even if not currently visible."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Central HVAC is operational based on visible ceiling vents; no runtime test available.",
"Electrical panel shown in laundry area is intact and has required clearance; labeling and breaker condition are unconfirmed.",
"A wall-mounted water-heating appliance visible in the laundry photo provides hot water for the unit; capacity and condition unverified.",
"Kitchen appears to have a working refrigerator, cooktop and double oven as shown in photos; their functional condition is assumed but not tested.",
"No smoke detectors or CO alarms are visible in photos; assume they are missing or not positioned per NSPIRE until verified.",
"Bedroom egress (especially the small purple bedroom) may not meet NSPIRE escape-window size requirements based on visible window sizes; verification required.",
"Dock and its connection to shore are not fully visible; assume need for a safety inspection and possible minor repairs.",
"No rental history in last 5 years provided; rental_history_activity excluded from scoring."
],
"overall_score": 72.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4814 Jean Lafitte Blvd, Lafitte, LA, 70067",
"aggregate": {
"summary": "Overall the property appears to be a livable, raised waterfront single-family home with intact major systems and generally good interior condition. Primary Section 8/NSPIRE risks are likely to be: verification/installation of smoke and carbon monoxide alarms, confirmation of bedroom egress windows, and minor exterior deck/railing maintenance and GFCI outlet verification. Mechanical systems appear present (HVAC, water heater, electrical panel), but onsite functional testing will be required. With targeted, short-term fixes (alarms, GFCI, a few deck/rail repairs, verify egress), the unit is likely to pass an initial voucher inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior and finishes are generally intact and well-maintained in listing photos: new-looking flooring, intact drywall, functioning doors, kitchen cabinets and appliances visible (refrigerator, cooktop, wall oven) and 3 full baths present. Minor cosmetic wear is visible on exterior porch railings and some exterior wood trim which will require sanding/staining or limited repairs. Missing or worn porch decking/rail finishes are an easy-to-fix/capex item. No major visible damaged flooring, collapsed ceilings, or exposed subfloor. Overall moderate-good cosmetic condition; missing small finish repairs only."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Elevated structure on concrete piers (appropriate for floodplain) with a large covered porch and private dock. Siding and metal roof appear in good cosmetic condition. Exterior wood components (porch railings and stairs) appear weathered and will likely need maintenance (stain/replace a few boards). Drive/parking area and walkways appear level and usable. Dock condition cannot be assessed in detail from photos; waterfront exposure increases inspection emphasis on secure railings and safe dock structural condition. No visible pest infestation or severe yard neglect from listing photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 59.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, no standing water, no visible exposed high-voltage wiring). Electrical panel is visible and appears intact. Central HVAC vents visible. However critical items required for Section 8 inspection are not visible: smoke and carbon-monoxide alarms are not shown (CO alarm is required if fuel-burning appliances or gas cooktop present — a gas cooktop is visible), so absence of visible detectors reduces score. Bedroom egress (window size) cannot be confirmed from photos — a small bedroom window appears narrow and may not meet egress dimensions. Exterior stair/rail appear present but weathered; railing height/guard spacing not confirmed. GFCI protection at kitchen/bath outlets not visible. These are inspection risks that are often corrected quickly but must be verified/installed prior to voucher move-in."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 73.3,
"rationale": "Major systems appear present and in serviceable condition from photos: metal roof looks intact, central air vents present (indicating forced-air HVAC), electrical panel present, and a small tankless-style water heater is visible in the laundry room suggesting hot water. Kitchen shows built-in appliances including gas cooktop and wall oven. No visible evidence of active roof leaks, sagging rooflines, or major foundation movement — raised pier foundation looks straight. Because systems cannot be tested from photos, this score assumes operational condition but flags need for onsite testing of HVAC, plumbing, and hot water delivery."
}
],
"red_flags": [],
"confidence": 0.91,
"assumptions": [
"Photos are recent and accurately represent current condition.",
"Gas cooktop is installed (visible burners) — therefore a carbon monoxide alarm is required if a fuel-burning appliance is present.",
"Central HVAC is present and operational (supply/return vents visible), but no functional test results are available.",
"Water heating is supplied by the small tankless-style unit visible in the laundry; it is assumed operational but untested.",
"Smoke and CO alarms are not visible in photos; assume they may be missing or not in required locations until confirmed.",
"Bedroom egress windows cannot be measured from photos; assume potential egress risk for at least one small bedroom unless proven otherwise.",
"No visible major structural issues (foundation movement, roof sagging) were observed; assume pier foundation is structurally sound unless a site inspection finds otherwise.",
"Because the home’s year built is 1866, assume potential historic/lead-paint risk exists even though no peeling lead-based paint is visible — lead-safe work practices may be required during repairs."
],
"score_method": "mean_of_criteria",
"overall_score": 70.6,
"rubric_version": "2026-03-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7291089725"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.