Property ID: 7388709435
104 Greenridge Rd, Hueytown, AL, 35023
Hueytown, AL
Money Down: $29,976
CoC Return: 9.42%
Monthly Cash Flow: $235
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,980
Closing Costs
$4,996
Total Down
$29,976
Investment Snapshot
Purchase Price
$124,900
Money Down
$29,976
Cash-on-Cash Return
9.42%
Rent
$1,247
Monthly Cash Flow
$235
Annual Cash Flow
$2,822
Debt Service / Mo
$665
Property Tax / Mo
$146
Insurance / Mo
$76
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,247
Payment Standard
$1,760
Rent
$1,247
Insurance
$76
Property Tax
$146
Management
$125
Utilities Allowance
$513
NOI (Monthly)
$900
Debt Service
$665
Cash Flow After Debt
$235
Quality Score: 65.90%
Confidence: 95.00%
This 3-bed, 1.5-bath 1974 single-family shows solid bones and mostly cosmetic needs. Flooring and interior paint are in decent condition and the property has functioning kitchen and bath fixtures and an HVAC condensing unit visible. The highest risks for an initial HCV/NSPIRE inspection are missing or not-visible smoke/CO detectors and unclear GFCI protection in wet areas, plus a damaged rear screened porch. Systems look serviceable but require verification (HVAC operability, water heater, panel condition). With 1–3 targeted repairs (install/verify smoke & CO alarms, confirm/repair GFCI outlets, repair porch screening/trim, minor exterior cleanup), the property is likely to pass; however, if any of the unseen systems (roof, water heater, electrical) are nonfunctional, more work will be required.
Section 8 Payment Standard
$1,760
Utility Allowance Total
$513
Guaranteed Section 8 Rent (PS - Utilities)
$1,247
Property Management
$125
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,900
Beds
3
Baths
1.5
Living Area
1,200 sqft
Lot Size
10,890 sqft
Year Built
1974
Days on Market
23
Capital Outlay
$29,976
Debt Service
$665
Property Tax / Mo
$146
Insurance / Mo
$76
Property Description
Come check out the unlimited potential of this charming home on a quiet Hueytown street. Perfect for buyers looking for a house with a fresh coat of paint, and solid bones, a functional layout and plenty of room to add your personal touch. Featuring 1.5 baths, and a comfortable floor plan, this home is calling all homeowners looking for their forever home at an excellent value.
Utility Allowances
heating
$93
Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property has central heat, and fuel is inferred as electric because the water heater is electric and no gas service is mentioned. Alabama Power is the primary regional provider.
cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has central A/C which is electric. Alabama Power is the primary regional provider.
cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. An electric stove is assumed as other major appliances (water heater, dryer hookup) are electric. 'Ala Power' is the primary regional electricity provider.
water_heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state an electric water heater.
other_electric
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general lighting and plug-in appliances. The name suggests it includes a refrigerator, but a separate allowance was also added per guidelines.
refrigerator
$8
Selected fixed allowance for a 3-bedroom unit. The property listing does not explicitly state a refrigerator is provided, so it is treated as a tenant-owned appliance.
range_microwave
$6
Selected fixed allowance for a 3-bedroom unit. The property listing does not explicitly state a microwave is provided, so it is treated as a tenant-owned appliance.
water
$68
Selected 'Water: Bessemer' for a 3-bedroom unit. Property has public water; the Bessemer provider was chosen as the most likely for Hueytown from the available schedule options.
sewer
$151
Selected the fixed allowance for a 3-bedroom unit. Property details state it is connected to a public sewer.
trash_collection
$20
Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. Trash service was not specified; this county-level rate was chosen as a reasonable default for a tenant-paid service.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$757
DP3 Annual Estimate$1,069
DP1 Monthly Equivalent$63
DP3 Monthly Equivalent$89
Replacement Value$98,300
Basis1,200 sqft / 1974
Nearby Houses
Photo unavailable
103 Greenridge Rd
sold · 0.04 mi
Price: $118,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $118,000
Latest rent: —
Photo unavailable
107 Greenridge Rd
sold · 0.04 mi
Price: $58,000
3 bd / 1 ba · 1,200 sqft
Latest sale: $58,000 on Mar 22, 2024
Latest rent: —
Photo unavailable
430 Murphys Ln
sold · 0.06 mi
Price: $65,900
3 bd / 1 ba · 1,225 sqft
Latest sale: $65,900
Latest rent: —
Photo unavailable
115 Greenridge Rd
sold · 0.06 mi
Price: $185,000
3 bd / 2 ba · 1,503 sqft
Latest sale: $185,000
Latest rent: —
Photo unavailable
3874 Heritage Crest Dr
for_sale · 0.07 mi
Price: $244,900
3 bd / 2 ba · 1,272 sqft
Latest sale: —
Latest rent: —
Photo unavailable
438 Murphys Ln
sold · 0.07 mi
Price: $86,000
3 bd / 1 ba · 1,000 sqft
Latest sale: $86,000 on Jan 12, 2017
Latest rent: $1,100 on Sep 23, 2024
Photo unavailable
102 Greenridge Ter
sold · 0.07 mi
Price: $79,500
3 bd / 2 ba
Latest sale: $79,500
Latest rent: —
Photo unavailable
3870 Heritage Crest Dr
for_sale · 0.08 mi
Price: $262,400
4 bd / 2 ba · 1,497 sqft
Latest sale: —
Latest rent: —
Photo unavailable
442 Murphys Ln
sold · 0.08 mi
Price: $128,865
4 bd / 2 ba · 1,164 sqft
Latest sale: $128,865
Latest rent: —
Photo unavailable
3871 Heritage Crest Dr
for_sale · 0.09 mi
Price: $244,900
3 bd / 2 ba · 1,272 sqft
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm in interior photos — likely NSPIRE fail until installed/verified.
- Rear screened porch shows torn screening and finish decay that could be a safety/pest entry concern and potential trip/entrance hazard if flooring/structure degraded.
- Unclear GFCI protection in kitchen/bath areas (not visible) — may fail inspection if missing.
Assumptions
- Photos are representative of the whole home interior and exterior (no additional severe damage hidden off-photo).
- Hot water heater is present and functional though not visible in photos.
- Range is electric (appears electric in photos); no gas appliance leaks are present.
- Central HVAC condenser at rear is operational or repairable; window A/C may be supplemental.
- Electrical panel is intact and functional (cover present), but labeling and breaker functionality not verified.
- Bedrooms have egress-sized windows (large windows visible in front of house), though not individually photographed.
- Smoke and CO detectors are not present in photographed rooms; they could exist elsewhere but should be verified and installed if absent.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,704 | $141,800 | $28,360 |
| 2023 | $1,629 | $135,600 | $27,120 |
| 2015 | $473 | $87,600 | $8,760 |
| 2013 | $471 | $86,300 | $8,640 |
| 2012 | $470 | $86,280 | $8,628 |
| 2011 | $487 | $89,100 | $8,910 |
| 2010 | $487 | $89,100 | $8,910 |
| 2009 | $487 | $89,100 | $8,910 |
| 2008 | $476 | $87,300 | $8,730 |
| 2007 | $491 | $89,800 | $8,980 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-24 | Listed for rent | $1,200 |
| 2026-01-24 | Listed | $124,900 |
| 2026-01-03 | Listing removed | $0 |
| 2025-12-02 | Listed | $124,900 |
| 2022-06-02 | Sold | $57,000 |
| 1981-06-25 | Sold | $33,000 |
| 1979-02-01 | Sold | $34,500 |
Photo Gallery
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"Directions: From I-20 E, take exit 108 for U.S. 11. Turn left onto Academy Drive/ U.S. 11 S. After almost a mile, turn right onto Powder Plant Road. At Johns Road, turn right, and continue onto Murphy's Lane. Community will be on your right.",
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"listing_id": "2989145701",
"last_update_date": "2026-01-01T02:50:09Z",
"last_status_change_date": "2026-01-03T07:54:26Z"
},
"event_name": "Listed",
"price_sqft": 104.08333333333333,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21438087",
"price_change_percentage": "+119.12%"
},
{
"date": "2022-06-02",
"price": 57000,
"listing": null,
"event_name": "Sold",
"price_sqft": 47.5,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1981-06-25",
"price": 33000,
"listing": null,
"event_name": "Sold",
"price_sqft": 27.5,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1979-02-01",
"price": 34500,
"listing": null,
"event_name": "Sold",
"price_sqft": 28.75,
"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": "7388709435",
"generated_at": "2026-02-16T01:48:26.430977Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.9
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m710702069s-w1280.jpg",
"rent_price": 1247.0,
"loan_amount": 99920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/104-Greenridge-Rd_Hueytown_AL_35023_M73887-09435",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124900.0,
"loan_term_years": 30,
"annual_cash_flow": 10799.48,
"mortgage_monthly": 664.77,
"payment_standard": 1760.0,
"total_amount_out": 24980.0,
"additional_photos": [
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m3307332090s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m2760754353s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m697033081s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m4134147061s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m1300126883s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m1084184780s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m2421515285s-w1280.jpg",
"https://ap.rdcpix.com/eb687ed0a718bd6dff017d0583ba13e1l-m1107399801s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 76.08,
"monthly_cash_flow": 899.96,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. Property has central heat, and fuel is inferred as electric because the water heater is electric and no gas service is mentioned. Alabama Power is the primary regional provider.",
"utility": "heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property has central A/C which is electric. Alabama Power is the primary regional provider.",
"utility": "cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. An electric stove is assumed as other major appliances (water heater, dryer hookup) are electric. 'Ala Power' is the primary regional electricity provider.",
"utility": "cooking",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly state an electric water heater.",
"utility": "water_heating",
"allowance": 56
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general lighting and plug-in appliances. The name suggests it includes a refrigerator, but a separate allowance was also added per guidelines.",
"utility": "other_electric",
"allowance": 68
},
{
"note": "Selected fixed allowance for a 3-bedroom unit. The property listing does not explicitly state a refrigerator is provided, so it is treated as a tenant-owned appliance.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "Selected fixed allowance for a 3-bedroom unit. The property listing does not explicitly state a microwave is provided, so it is treated as a tenant-owned appliance.",
"utility": "range_microwave",
"allowance": 6
},
{
"note": "Selected 'Water: Bessemer' for a 3-bedroom unit. Property has public water; the Bessemer provider was chosen as the most likely for Hueytown from the available schedule options.",
"utility": "water",
"allowance": 68
},
{
"note": "Selected the fixed allowance for a 3-bedroom unit. Property details state it is connected to a public sewer.",
"utility": "sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. Trash service was not specified; this county-level rate was chosen as a reasonable default for a tenant-paid service.",
"utility": "trash_collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.43,
"down_payment_amount": 24980.0,
"property_tax_annual": 1755.12,
"property_tax_monthly": 146.26,
"property_tax_increase": 0.03,
"utility_allowance_total": 513.0,
"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": 2822.24,
"property_management_monthly": 124.7,
"monthly_cash_flow_after_debt": 235.19,
"cash_on_cash_return_after_debt": 0.11
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 1.5-bath 1974 single-family shows solid bones and mostly cosmetic needs. Flooring and interior paint are in decent condition and the property has functioning kitchen and bath fixtures and an HVAC condensing unit visible. The highest risks for an initial HCV/NSPIRE inspection are missing or not-visible smoke/CO detectors and unclear GFCI protection in wet areas, plus a damaged rear screened porch. Systems look serviceable but require verification (HVAC operability, water heater, panel condition). With 1–3 targeted repairs (install/verify smoke & CO alarms, confirm/repair GFCI outlets, repair porch screening/trim, minor exterior cleanup), the property is likely to pass; however, if any of the unseen systems (roof, water heater, electrical) are nonfunctional, more work will be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Overall cosmetic condition appears fair. Interior shows recent-looking vinyl plank floors, painted walls, functioning doors and windows. Kitchen has appliances (fridge, dishwasher, range) though cabinets and countertops are dated and show wear. Bathrooms are functional but cosmetic (old tub surround, vanity). Exterior has cracked driveway, patchy yard, torn screens and some debris. Missing minor items (blinds, caulking, trim touch-ups). These are mostly easy/low-cost fixes; no widespread visible deferred structural damage."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Moderate inspection risk. No smoke or carbon monoxide detectors are visible in the provided interior photos (required). Front steps have a handrail on one side; guardrail and stairs appear serviceable but would need confirmation of secure attachment. Electrical panel is visible and covered inside the living space; no obvious exposed live wiring inside. Kitchen outlets/GFCI presence near sink is not clearly visible (possible deficiency). Rear screened porch has visible damage and torn screening which could create pest/entrapment hazards. No signs of active roof leaks, collapsed ceilings or major trip hazards in photos. Lack of documented detectors and unclear GFCI outlets are likely NSPIRE fail points until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Major systems show mixed signals. Exterior shows a central AC condensing unit at the rear (good) but also wall/window AC units in photos — could indicate partial/auxiliary cooling or intermittent central system use; operability unknown. Electrical service and meter are present; interior panel appears intact but age/condition and breaker labeling not verified. Plumbing fixtures (kitchen sink, tub/shower, toilet) are present and appear functional but water heater is not visible. Roof appears aged with staining on rear; no obvious sagging or large missing shingles visible in photos but roof replacement may be medium-term. Overall moderate mechanical risk — systems likely functional but need verification and possible repairs/maintenance."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Yard is level, fenced (chain link), with a storage shed and clear back yard — good for rental. Driveway and front concrete show cracking and wear but are serviceable. Painted brick/siding appear intact with no visible major foundation movement; crawlspace vents visible. Rear screened porch has damaged screens and some finish decay at lower skirt/trim. No standing water observed in photos; general cleanup and minor grading/drainage improvements recommended."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos — likely NSPIRE fail until installed/verified.",
"Rear screened porch shows torn screening and finish decay that could be a safety/pest entry concern and potential trip/entrance hazard if flooring/structure degraded.",
"Unclear GFCI protection in kitchen/bath areas (not visible) — may fail inspection if missing."
],
"confidence": 0.7,
"assumptions": [
"Photos are representative of the whole home interior and exterior (no additional severe damage hidden off-photo).",
"Hot water heater is present and functional though not visible in photos.",
"Range is electric (appears electric in photos); no gas appliance leaks are present.",
"Central HVAC condenser at rear is operational or repairable; window A/C may be supplemental.",
"Electrical panel is intact and functional (cover present), but labeling and breaker functionality not verified.",
"Bedrooms have egress-sized windows (large windows visible in front of house), though not individually photographed.",
"Smoke and CO detectors are not present in photographed rooms; they could exist elsewhere but should be verified and installed if absent."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1.5-bath 1974 single-family property appears structurally intact and cosmetically dated. The house shows mostly minor to moderate repair needs (flooring, cabinetry, driveway, screened porch) and has the major systems present (HVAC condenser, electrical service, plumbing fixtures). Key Section 8 / NSPIRE items are not verifiable from photos — notably smoke/CO alarms, GFCI protection, and operation of HVAC/water heater — which places the property in the 'minor repairs/moderate inspection risk' category. With 1–4 weeks of targeted safety checks (install/verify smoke & CO alarms, GFCIs where required) and cosmetic touch-ups, it has a reasonable chance to pass an initial HCV inspection; if systems (HVAC, electric, water heater, roof) are non-operational, timeline extends. Recommended pre-listing checklist: verify/repair roof as needed, test HVAC and water heater, install/verify smoke and CO alarms, install GFCIs, repair tub caulking, secure/repair screened porch and driveway trip hazards, and address any peeling paint/lead-risk protocols.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Property is generally intact with recent-looking vinyl plank flooring and fresh paint, but shows cosmetic deferred maintenance: cracked driveway, worn kitchen cabinets and counters, older bathroom surround with missing/aged caulk, torn screening on the back porch, and some yard erosion/holes. Appliances (fridge, dishwasher, range) are present which reduces impact of missing-equipment risks. These are mostly cosmetic / moderate repair items that appear fixable with routine rehab rather than structural work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 65.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water). Entry has a deadbolt visible on front door. A handrail is present at front steps. However key NSPIRE safety items are not verifiable from photos: smoke detectors and CO alarms are not visible, GFCI protection in kitchen/bath is not evident, bathroom tub caulking looks degraded (possible water intrusion), and windows/egress in bedrooms cannot be fully confirmed. Overhead service and exterior A/C wiring appear intact but should be inspected. Age of home (1974) creates a lead-paint risk if any peeling paint exists. These unknowns lower score to moderate safety risk until verified."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Major systems presence is visible: exterior central HVAC condenser is present (and window units also present), an electrical meter and service drop are visible, and plumbing fixtures exist. However system condition and operation are not verified: roof shingles show age/discoloration and may be near end of life, no water heater is photographed, electrical panel is in living space (visible) but condition and labeling unknown, and kitchen/bath plumbing show wear. Because operation of HVAC, water heater and serviceability of electrical/plumbing cannot be confirmed, this is a moderate systems risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 72.0,
"rationale": "Large, fenced lot with level yard and outbuilding/shed; chain-link fence intact. Foundation block walls are visible and appear generally sound from photos. Concerns: cracked driveway and concrete ramp, torn screened porch enclosure, trees close to roof (debris/roof risk), and some yard depressions/holes that are trip hazards. Overall exterior looks serviceable with moderate clean-up and repairs."
}
],
"red_flags": [
"Smoke detectors / carbon monoxide alarms not visible or verified (NSPIRE critical item).",
"Possible lead-based paint risk (built 1974) — requires disclosure/testing and remediation for deteriorated paint.",
"Aged roof with visible discoloration/staining — may require close inspection and likely replacement/repairs within short term.",
"Bathroom tub surround and caulking look degraded — potential water intrusion if not addressed.",
"Torn/damaged screened porch and uneven yard with holes are trip hazards and need repair prior to tenancy."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms were visible in interior photos; assume they are not verified and may be missing or non-functional.",
"Central HVAC is assumed present but operation is unconfirmed — condenser visible at rear; interior thermostat is visible in living room.",
"Water heater not photographed; assume domestic hot water may be present but must be verified on inspection.",
"Electrical service is present (meter and panel visible); assume wiring is intact but panel labeling, breakers and GFCI protection are unknown.",
"No evidence of major structural failure (sagging roof, foundation cracks or rot) visible in provided photos; assume 'solid bones' as listing claims.",
"Because house was built in 1974, assume potential for lead-based paint where paint is peeling or disturbed until proper testing is done."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1.5BA ranch presents as a cosmetically worn but structurally intact property with most major systems visibly present (electric meter & panel, HVAC condenser, plumbing fixtures). Interior flooring and finishes look recently updated; kitchen appliances are present. Primary inspection risks are missing/undetected smoke/CO detectors, unknown GFCI protection, and some exterior repairs (screened porch, driveway, yard grading). No visible structural sagging, collapsed ceilings, standing water, or exposed live wiring were observed. With prompt installation of smoke/CO alarms, confirmation/installation of GFCI outlets where required, repair of torn porch screening and minor exterior/cosmetic repairs, the property is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Photos show mostly cosmetic deferred maintenance: older exterior paint, cracked driveway, torn screening on the rear porch, some yard disturbance and debris. Interior shows recently installed-looking LVP flooring, painted walls and functioning lighting/fans. Kitchen and major appliances (fridge, dishwasher, range) are present. No evidence of collapsed ceilings or exposed subfloor. These are mostly easy-to-fix or cosmetic items; front steps and small porch repairs and driveway patching will be needed but are not structural."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "No smoke detectors or CO alarms are visible in the provided interior photos (hallway/bedroom areas not clearly shown) — absence would be an NSPIRE fail until installed. GFCI protection at the kitchen sink and bathroom outlets is not visible; older homes frequently lack GFCI and would require correction. Windows in photos are older single-pane; bedroom egress windows not shown so egress compliance is unconfirmed. There are no obvious active life‑threatening hazards visible (no collapsed ceilings, exposed live wiring, standing water, or major foundation movement). The torn rear screened porch and yard depressions present trip/entrapment hazards that should be repaired prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Exterior photos show an HVAC condenser and an interior thermostat, indicating a forced-air system likely present; a window AC unit is also present (possibly supplemental or indicating partial HVAC limitation). Electrical service meter and interior panel are visible and appear intact (panel cover in place). No water heater is shown. Roof shingles appear aged with staining but no obvious sagging or active leaks in photos. Plumbing fixtures (kitchen sink, bathroom fixtures) are present; bathroom vent grille visible. Without functional tests (heat, hot water, breakers) some risk remains but no catastrophic system failures are visible from images."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Lot is fully fenced with a large, usable backyard and outbuilding/shed visible. The foundation appears to be block with crawl vents and no visible large cracks or settlement. Exterior siding/paint is worn but intact. The screened rear porch shows torn screening and evidence of needed repairs. Trees overhang the roof and could contribute to shingle wear. Driveway is cracked and slopes into a small yard low spot — minor drainage/erosion work and surface repairs recommended."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in provided interior photos — NSPIRE requires functioning smoke/CO alarms in required locations.",
"No visible GFCI-protected outlets at kitchen or bathroom sinks — potential electrical safety/code failure if absent.",
"Torn/damaged rear screened porch and some yard depressions/trip hazards that create safety concerns and must be repaired.",
"Aging roof shingles with tree overhang may require closer inspection for potential leaks (no active leak observed but risk inferred)."
],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC is present and functional or serviceable because an outdoor condenser unit and interior thermostat are visible; the window AC is supplemental.",
"Water heater exists and is serviceable though not pictured.",
"Bedrooms have operable egress windows typical for a 1974-built single-story home, but specific bedroom window dimensions/egress were not shown.",
"No smoke detectors or CO alarms were visible in any photos; assume none are installed or not shown and must be added/verified during inspection.",
"Kitchen and bathroom outlets are older; GFCI protection near sink locations is not visible and should be tested and likely added.",
"No interior photos showed significant mold, active leaks, major foundation cracks, or structural sag — absence in photos is taken as no visible severe issues but not a substitute for a full on-site inspection.",
"Front door has a functioning lockset; presence of a deadbolt is not confirmed and should be verified/installed if absent."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "104 Greenridge Rd, Hueytown, AL, 35023",
"aggregate": {
"summary": "This 3-bed, 1.5-bath 1974 single-family shows solid bones and mostly cosmetic needs. Flooring and interior paint are in decent condition and the property has functioning kitchen and bath fixtures and an HVAC condensing unit visible. The highest risks for an initial HCV/NSPIRE inspection are missing or not-visible smoke/CO detectors and unclear GFCI protection in wet areas, plus a damaged rear screened porch. Systems look serviceable but require verification (HVAC operability, water heater, panel condition). With 1–3 targeted repairs (install/verify smoke & CO alarms, confirm/repair GFCI outlets, repair porch screening/trim, minor exterior cleanup), the property is likely to pass; however, if any of the unseen systems (roof, water heater, electrical) are nonfunctional, more work will be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.3,
"rationale": "Overall cosmetic condition appears fair. Interior shows recent-looking vinyl plank floors, painted walls, functioning doors and windows. Kitchen has appliances (fridge, dishwasher, range) though cabinets and countertops are dated and show wear. Bathrooms are functional but cosmetic (old tub surround, vanity). Exterior has cracked driveway, patchy yard, torn screens and some debris. Missing minor items (blinds, caulking, trim touch-ups). These are mostly easy/low-cost fixes; no widespread visible deferred structural damage."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.7,
"rationale": "Yard is level, fenced (chain link), with a storage shed and clear back yard — good for rental. Driveway and front concrete show cracking and wear but are serviceable. Painted brick/siding appear intact with no visible major foundation movement; crawlspace vents visible. Rear screened porch has damaged screens and some finish decay at lower skirt/trim. No standing water observed in photos; general cleanup and minor grading/drainage improvements recommended."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 58.3,
"rationale": "Moderate inspection risk. No smoke or carbon monoxide detectors are visible in the provided interior photos (required). Front steps have a handrail on one side; guardrail and stairs appear serviceable but would need confirmation of secure attachment. Electrical panel is visible and covered inside the living space; no obvious exposed live wiring inside. Kitchen outlets/GFCI presence near sink is not clearly visible (possible deficiency). Rear screened porch has visible damage and torn screening which could create pest/entrapment hazards. No signs of active roof leaks, collapsed ceilings or major trip hazards in photos. Lack of documented detectors and unclear GFCI outlets are likely NSPIRE fail points until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 61.7,
"rationale": "Major systems show mixed signals. Exterior shows a central AC condensing unit at the rear (good) but also wall/window AC units in photos — could indicate partial/auxiliary cooling or intermittent central system use; operability unknown. Electrical service and meter are present; interior panel appears intact but age/condition and breaker labeling not verified. Plumbing fixtures (kitchen sink, tub/shower, toilet) are present and appear functional but water heater is not visible. Roof appears aged with staining on rear; no obvious sagging or large missing shingles visible in photos but roof replacement may be medium-term. Overall moderate mechanical risk — systems likely functional but need verification and possible repairs/maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos — likely NSPIRE fail until installed/verified.",
"Rear screened porch shows torn screening and finish decay that could be a safety/pest entry concern and potential trip/entrance hazard if flooring/structure degraded.",
"Unclear GFCI protection in kitchen/bath areas (not visible) — may fail inspection if missing."
],
"confidence": 0.95,
"assumptions": [
"Photos are representative of the whole home interior and exterior (no additional severe damage hidden off-photo).",
"Hot water heater is present and functional though not visible in photos.",
"Range is electric (appears electric in photos); no gas appliance leaks are present.",
"Central HVAC condenser at rear is operational or repairable; window A/C may be supplemental.",
"Electrical panel is intact and functional (cover present), but labeling and breaker functionality not verified.",
"Bedrooms have egress-sized windows (large windows visible in front of house), though not individually photographed.",
"Smoke and CO detectors are not present in photographed rooms; they could exist elsewhere but should be verified and installed if absent."
],
"score_method": "mean_of_criteria",
"overall_score": 65.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7388709435"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.