1528 34th Street Ensley, Birmingham, AL, 35218
Birmingham, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 76.10%
Confidence: 93.00%
Based on supplied photos and listing details, this 3BR/1BA single-family property appears largely turn-key with cosmetic items and a few minor repairs needed. Visible interior and exterior conditions are generally good — hardwood floors, painted walls, functioning ceiling fans, central HVAC condenser and installed windows. Main inspection risks are items not visible in photos: CO detector and GFCI presence, condition of electrical panel, age/operation of water heater/plumbing, and the structural condition of the front stair treads. With routine verification and minor repairs (porch/stairs, any required GFCI/CO installations), the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection within 1–4 weeks.
Property Fundamentals
Property Description
Please see documents in the MLS for offer instructions before submitting an offer. All offers must be submitted via the link in the Offer Guidelines. Review all attached documents before submitting an offer. Our corporate client reviews and accepts offers on business days only. Set offer timelines accordingly. Schedule showings through ShowingTime. For showing appointment requests or questions please call ShowingTime at 1-877-891-5855. For access issues please call our support desk at 1-800-583-2914.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Weathered/partially deteriorated front stair treads and porch floor paint peeling — requires close inspection and likely repair to ensure safe stair condition.
- No carbon monoxide detector visible in photos (may be required depending on local code and presence of fuel-burning appliances).
- GFCI protection in kitchen and bathroom not visible — likely needs verification and/or installation.
Assumptions
- Interior photos are representative of entire unit condition (other rooms/bathroom are similar quality).
- Central HVAC is functional (outdoor condenser present and thermostat installed).
- Hot water and plumbing are operational (no visible water stains or evidence of leaks).
- Electrical system is serviceable with covered outlets (no visible exposed wiring in pictures).
- Appliances are present or will be provided — a refrigerator is visible; stove presence not shown but is assumed or may be provided.
- No significant undocumented structural problems (foundation movement, sagging, collapsed ceilings) exist beyond what is visible.
- Smoke detector shown is operational; CO detector and GFCI outlets are not visible and may need to be installed if missing.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $353 | $24,400 | $4,880 |
| 2023 | $353 | $24,400 | $4,880 |
| 2022 | $285 | $19,700 | $3,940 |
| 2021 | $284 | $19,600 | $3,920 |
| 2020 | $284 | $19,600 | $3,920 |
| 2019 | $284 | $19,600 | $3,920 |
| 2018 | $282 | $19,500 | $3,900 |
| 2017 | $408 | $28,200 | $5,640 |
| 2016 | $408 | $28,200 | $5,640 |
| 2013 | $753 | $50,700 | $10,140 |
| 2012 | $714 | $50,250 | $10,050 |
| 2011 | $725 | $51,100 | $10,220 |
| 2010 | $811 | $57,300 | $11,460 |
| 2009 | $746 | $52,600 | $10,520 |
| 2008 | $761 | $53,700 | $10,740 |
| 2007 | $300 | $52,900 | $5,290 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2014-08-04 | Sold | $22,000 |
Photo Gallery
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{
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{
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{
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{
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{
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"Hot water and plumbing are operational (no visible water stains or evidence of leaks).",
"Electrical system is serviceable with covered outlets (no visible exposed wiring in pictures).",
"Appliances are present or will be provided — a refrigerator is visible; stove presence not shown but is assumed or may be provided.",
"No significant undocumented structural problems (foundation movement, sagging, collapsed ceilings) exist beyond what is visible.",
"Smoke detector shown is operational; CO detector and GFCI outlets are not visible and may need to be installed if missing."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "This 3-bed, 1-bath single-family appears broadly turnkey for an initial Section 8 / HCV inspection with mostly cosmetic and routine items to address. Interior finishes, functioning-looking HVAC components, intact siding, and required guardrails/handrails are positive. Anticipated inspector requests: verify working smoke (present) and carbon monoxide alarms, add/verify GFCI protection in kitchen/bath, test HVAC and hot water, and perform minor repairs to porch/stairs and walkway. No visible structural or life-safety failures were observed in the photos. With basic checks and small repairs, this property is likely rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Exterior and interior photos show a recently painted/clean interior, intact hardwood floors, finished walls, working ceiling fans and functioning doors/windows. Vinyl siding and painted concrete block foundation appear intact. Observable deferred items are cosmetic: worn paint on front porch floor, scuffed stair treads, minor concrete walkway cracking and some exterior wood (stair stringers/railings) weathering. A refrigerator is visible in the kitchen photos; no obvious missing major appliances. These are easy-to-fix or maintenance items and do not indicate major rehab."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 75.0,
"rationale": "Several required safety elements appear present: front entry has a secure-looking door with both knob and deadbolt, porch and stair guardrails/handrails are installed, windows in living areas look large enough for typical egress, and there is a visible ceiling-mounted smoke detector in the hall area. No exposed wiring, hanging ceilings, or obvious active leaks are visible. Missing or not visible from photos: carbon monoxide alarm (not seen), GFCI-protected outlets in kitchen/bath (outlets visible but GFCI not confirmed), and the electrical panel is not shown. The front stair risers are open (photo) but handrails/guards are present—inspector may request riser or tread repairs if they are unstable. Overall low-to-moderate NSPIRE risk with a few standard checklist items likely needed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "An exterior HVAC condenser and interior thermostat/return grille are visible, indicating central HVAC likely installed. Floors, finishes and ceiling show no water stains or mold evidence in photos, and rooflines appear even with no visible sagging. However, the roof shingles show age (no close-up) and the water heater, electrical panel, plumbing lines and actual operation of HVAC/hot water are not shown. Based on visible condenser and interior finishes, systems are inferred operable but unconfirmed; therefore moderate score reflecting need for functional testing and possible minor repairs or service."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Lot is tidy with no heavy vegetation against the foundation. Siding is intact and foundation block appears sound with only minor discoloration/efflorescence. Walkway has cracking and the front stairs show weathering and paint loss, but guardrails are present. Drainage appears typical for the lot grade; no standing water seen. Neighbors show typical residential context. Overall exterior is serviceable with some routine site maintenance recommended."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Central HVAC is present and operable because an outdoor condenser and indoor thermostat/return are visible; full functional testing not performed.",
"A smoke detector is present (visible in hallway); carbon monoxide alarm(s) are not visible and are assumed absent unless provided elsewhere.",
"Electrical panel and circuit integrity are not shown; assumed to be present and intact unless an inspection indicates otherwise.",
"Plumbing, hot water heater and kitchen/bath fixtures are assumed functional because there are no photos showing water damage or stains; functionality should be verified.",
"Windows are assumed to meet egress requirements based on visible size, but exact window dimensions were not measured.",
"No active roof leaks or structural sagging are visible from exterior photos; roof condition inferred as aged but serviceable.",
"No major mold, pest infestation, or hidden water intrusion is visible in photos; severe hidden issues are not assumed.",
"Appliances: a refrigerator is visible in the kitchen; stove/range presence/function not directly shown in provided photos but missing major appliances would be moderate impact only."
],
"overall_score": 78.0,
"rubric_version": "2026-02-16_hud_nspire_v1"
},
{
"summary": "Overall the property appears in good cosmetic condition and is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection after verifying and/or completing a few minor items. Strengths: intact vinyl siding, painted interior, hardwood floors, functioning ceiling fans, visible HVAC condenser, smoke detector present, handrails on porch. Probable quick fixes before inspection: confirm and/or install a working deadbolt on entry, install/verify GFCI outlets in kitchen and bathroom, confirm presence and operation of hot water heater and stove/oven or provide replacements, add carbon monoxide alarm if required by local code, and repair/replace worn stair treads and refresh porch/concrete paint. No major structural or life-safety failures are visible in the photos provided.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos show a recently cleaned/painted interior with intact hardwood floors, painted trim, functioning ceiling fans and general cosmetic finish work. Exterior vinyl siding and painted block foundation appear sound. Visible deferred items are minor: porch concrete paint peeling, exterior stairs and stair treads show weathering and need sanding/paint or minor replacement of a tread or two, and small yard/landscaping cleanup. Kitchen has a visible refrigerator but no clear photo of a stove/range; absence of a stove would be a moderate, easily remedied capital item. No evidence of major interior finish damage (holes, large drywall damage). Overall repairs are cosmetic/minor carpentry and appliance confirmation."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 75.0,
"rationale": "Key safety items visible: at least one ceiling smoke detector is present (photo near hallway), interior doors and windows appear intact, handrails installed on the porch stairs, no exposed wiring or damaged outlets visible. Thermostat and air return visible. Unknowns: presence of a deadbolt on entry door is unclear (photo shows two locks but not definitive deadbolt), GFCI protection for kitchen/bath outlets and presence of a carbon monoxide alarm are not shown, and egress sizing for bedrooms cannot be fully confirmed from photos. No visible active water intrusion, mold staining, collapsed ceilings, or major foundation cracks. These unknowns reduce the score slightly but are likely fixable before inspection (install GFCI/CO alarm, confirm deadbolt)."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Exterior AC condenser is visible indicating a forced-air cooling system present; interior registers and a thermostat are visible. Electrical covers and outlets seen are intact. No electrical panel photo; no obvious exposed wiring. Water heater and stove/oven presence/function not shown. Roof shingles are visible and appear aged but not visibly failing or sagging in photos; no active roof leaks or interior ceiling stains are evident. Given photos there is functional HVAC but plumbing, water heater and electrical panel condition are unknown and should be verified—these unknowns bring score down to a moderate rating."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding (vinyl) and painted block foundation appear intact with no major gaps. Front porch, posts and railings are present and appear structurally stable; stair treads are weathered and the concrete walkway and porch floor paint are peeling. Yard grading slopes toward the street; no standing water visible in photos. Neighboring properties show similar conditions. No visible signs of infestation or major exterior neglect. Minor site work and porch/stair refinishing recommended."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Interior photos represent whole-home condition; no unseen rooms contain major damage.",
"The visible refrigerator in the kitchen indicates at least some appliances exist; stove/oven and hot water heater presence/function were not shown and must be verified.",
"AC condenser seen in exterior images is functional and paired with working furnace; heating functionality is assumed but not tested.",
"Electrical panel is present and operational though not pictured; no obvious exterior signs of electrical hazard were observed.",
"Windows in bedrooms meet egress requirements typical for the area based on visible window sizes, but exact measurements are not available.",
"No prior fire damage, severe mold, or foundation movement exists beyond what is visible in exterior photos."
],
"overall_score": 75.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1528 34th Street Ensley, Birmingham, AL, 35218",
"aggregate": {
"summary": "Based on supplied photos and listing details, this 3BR/1BA single-family property appears largely turn-key with cosmetic items and a few minor repairs needed. Visible interior and exterior conditions are generally good — hardwood floors, painted walls, functioning ceiling fans, central HVAC condenser and installed windows. Main inspection risks are items not visible in photos: CO detector and GFCI presence, condition of electrical panel, age/operation of water heater/plumbing, and the structural condition of the front stair treads. With routine verification and minor repairs (porch/stairs, any required GFCI/CO installations), the property is likely to pass an initial Housing Choice Voucher (NSPIRE) inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 81.7,
"rationale": "Photos show a recently painted interior, intact hardwood floors, ceiling fans, and finished walls. Exterior vinyl siding and painted block foundation appear in good condition. Cosmetic issues visible: peeling paint on porch floor, weathering on front steps and stair treads, and minor yard cleanup needed. Missing- or damaged-appliance risk is low (a refrigerator is visible in the kitchen photo). Overall mostly cosmetic and easy-to-fix items; no large-scale deferred maintenance visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 76.0,
"rationale": "Exterior siding, trim and foundation block appear intact; yard is mostly level and free of standing water in photos. Walkway and small concrete path to steps show normal wear. Front porch stairs and treads are weathered and will likely need repair or refinishing to ensure long-term safety. No obvious signs of major foundation movement, roof collapse, infestation or significant exterior neglect visible from supplied images."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "Visible safety features: smoke detector in hallway, functioning porch light, entry door with at least a knob lock, guardrails and handrails present at porch and stairs, windows present for egress. No obvious exposed wiring, ceiling damage, or active water stains. Unknowns that affect NSPIRE: presence/operation of CO detector (not visible), GFCI protection in kitchen/bath (not shown), electrical panel condition (not shown), and hot water availability. Front stair treads and some wood elements show weathering and should be confirmed secure. These unknowns reduce the score modestly."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "An outdoor HVAC condenser is visible indicating central heating/AC likely present. Interior shows a thermostat and return grille. No signs of ceiling water stains or active roof leaks in photos; roof shingles appear intact from available angles though age is uncertain. Plumbing fixtures, water heater and electrical panel are not pictured so their condition is assumed typical but unconfirmed. Because major systems are indicated but not fully verifiable, score reflects probable functionality with some risk from unknowns."
}
],
"red_flags": [
"Weathered/partially deteriorated front stair treads and porch floor paint peeling — requires close inspection and likely repair to ensure safe stair condition.",
"No carbon monoxide detector visible in photos (may be required depending on local code and presence of fuel-burning appliances).",
"GFCI protection in kitchen and bathroom not visible — likely needs verification and/or installation."
],
"confidence": 0.93,
"assumptions": [
"Interior photos are representative of entire unit condition (other rooms/bathroom are similar quality).",
"Central HVAC is functional (outdoor condenser present and thermostat installed).",
"Hot water and plumbing are operational (no visible water stains or evidence of leaks).",
"Electrical system is serviceable with covered outlets (no visible exposed wiring in pictures).",
"Appliances are present or will be provided — a refrigerator is visible; stove presence not shown but is assumed or may be provided.",
"No significant undocumented structural problems (foundation movement, sagging, collapsed ceilings) exist beyond what is visible.",
"Smoke detector shown is operational; CO detector and GFCI outlets are not visible and may need to be installed if missing."
],
"score_method": "mean_of_criteria",
"overall_score": 76.1,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7382135036"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.