Property ID: 7426017168
134 Rosethorn Ln, Grand Isle, LA, 70358
Grand Isle, LA
Money Down: $60,720
CoC Return: 5.03%
Monthly Cash Flow: $254
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$50,600
Closing Costs
$10,120
Total Down
$60,720
Investment Snapshot
Purchase Price
$253,000
Money Down
$60,720
Cash-on-Cash Return
5.03%
Rent
$1,993
Monthly Cash Flow
$254
Annual Cash Flow
$3,053
Debt Service / Mo
$1,347
Property Tax / Mo
$94
Insurance / Mo
$98
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,993
Payment Standard
$2,328
Rent
$1,993
Insurance
$98
Property Tax
$94
Management
$199
Utilities Allowance
$335
NOI (Monthly)
$1,601
Debt Service
$1,347
Cash Flow After Debt
$254
Quality Score: 78.80%
Confidence: 95.00%
Overall, this elevated single-family home appears largely rent-ready with mostly cosmetic or minor maintenance needs. Interiors are clean, furnished, and show working kitchen appliances and visible HVAC distribution. Primary NSPIRE inspection risks are items not visible in photos: smoke and CO detectors, GFCI near sink, and verification of electrical panel, water heater and HVAC operational condition. Exterior shows typical weathering of porch rails but no structural sagging or roof failure. Likely passable after a brief pre-inspection walk-through to verify detectors and basic system operation; estimated time-to-pass: under 30 days if detectors or minor repairs are required.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$335
Guaranteed Section 8 Rent (PS - Utilities)
$1,993
Property Management
$199
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$253,000
Beds
4
Baths
1.5+
Living Area
1,260 sqft
Lot Size
5,663 sqft
Year Built
1979
Days on Market
159
Capital Outlay
$60,720
Debt Service
$1,347
Property Tax / Mo
$94
Insurance / Mo
$98
Property Description
This home is move in ready. With 4 bedrooms and lots of closet space. The home is in excellent condition. Great neighborhood. Furnishings remain.
Utility Allowances
heating
$88
Property has 'Central Air' and 'Central' heating, which is consistent with an electric heat pump system common in this climate.
cooking
$14
Property has 'Gas: City/Parish' available, and a range/oven is provided.
water_heating
$27
Natural gas ('City/Parish') is available at the property, making it the most probable fuel for water heating.
other_electric
$77
A standard allowance for general electricity usage (lighting, outlets) not covered by other specific utility categories.
water
$50
The property is connected to a public water source.
sewer
$54
Inferred based on the property having a public water source and the schedule providing a sewer allowance.
trash_collection
$25
Standard municipal service for a single-family home.
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$1,178
DP3 Annual Estimate$1,178
DP1 Monthly Equivalent$98
DP3 Monthly Equivalent$98
Replacement Value$53,200
Basis1,260 sqft / 1979
Nearby Houses
Photo unavailable
132 Elmwood Ln Lots 1 & 2
for_sale · 0.05 mi
Price: $164,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Rosethorne Ln Lot 14
for_sale · 0.05 mi
Price: $10,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
Rosethorne Ln Lot 13
for_sale · 0.06 mi
Price: $10,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2455 Highway 1
for_sale · 0.11 mi
Price: $185,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
172 Rosethorn Ln
for_sale · 0.11 mi
Price: $315,000
3 bd / 2 ba · 2,250 sqft
Latest sale: — on Apr 03, 2020
Latest rent: —
Photo unavailable
130 Olive Dr
for_sale · 0.11 mi
Price: $299,000
2 bd / 2 ba · 1,300 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2397 Highway 1 Unit A
off_market · 0.11 mi
Price: $475,000
4 bd / 4 ba · 1,650 sqft
Latest sale: —
Latest rent: —
Photo unavailable
180 Rosethorn Ln
off_market · 0.13 mi
Price: $155,000
2 bd / 2 ba · 1,077 sqft
Latest sale: — on Aug 19, 2025
Latest rent: —
Photo unavailable
186 Rosethorne Ln Lot 610002928
off_market · 0.15 mi
Price: $125,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2394 Highway 1
for_sale · 0.15 mi
Price: $1,125,000
4 bd / 5 ba · 2,380 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos are representative of entire unit and no hidden water damage, mold, or pest infestation exists in unpictured areas.
- Central HVAC and hot water systems are present and functional (vent registers visible; equipment not photographed).
- Kitchen appliances shown in photos are functional and will be left with the property as listing implies 'furnishings remain.'
- Bedrooms have standard-size operable windows providing required egress (windows visible in some bedroom photos appear typical but were not measured).
- Electrical panel, plumbing fixtures, and water heater are code-compliant and free of active safety hazards though not pictured.
- Property meets local coastal elevation requirements for stilt homes; photos show properly elevated structure.
- Listing statement 'move in ready' accurately reflects current condition.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,101 | $77,400 | $7,740 |
| 2024 | $1,021 | $77,400 | $7,740 |
| 2023 | $918 | $64,500 | $6,450 |
| 2022 | $918 | $64,500 | $6,450 |
| 2021 | $461 | $32,300 | $3,230 |
| 2020 | $868 | $64,500 | $6,450 |
| 2019 | $880 | $64,500 | $6,450 |
| 2018 | $819 | $64,500 | $6,450 |
| 2017 | $819 | $64,500 | $6,450 |
| 2016 | $820 | $64,500 | $6,450 |
| 2015 | $793 | $64,500 | $6,450 |
| 2014 | $789 | $64,500 | $6,450 |
| 2013 | $789 | $64,500 | $6,450 |
| 2012 | $789 | $64,500 | $6,450 |
| 2011 | $793 | $64,100 | $6,410 |
| 2010 | $578 | $57,700 | $5,770 |
| 2009 | $769 | $64,100 | $6,410 |
| 2008 | $636 | — | $6,410 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-31 | Listed | $253,000 |
| 2011-02-22 | Sold | $0 |
| 1979-08-01 | Sold | $0 |
Photo Gallery
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"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show well-maintained finishes: intact cabinetry, countertops, flooring (vinyl/laminate), working appliances visible (cooktop, wall oven, dishwasher, refrigerator), and clean walls/ceilings. Minimal visible deferred maintenance — cosmetic weathering on exterior porch railings and stairs and some exterior wood that would benefit from repaint/stain. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing or worn small items (outlet covers, minor trim scuffs) are likely easy cosmetic fixes."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 72.0,
"rationale": "No obvious life-threatening hazards in photos: stair handrails and porch guardrails are present, floors and walkways inside look even, no visible mold or water stains, and wiring appears covered. Central HVAC vents visible. However, required safety items are not clearly shown: ceiling-mounted smoke detectors are not visible in the majority of living/bedroom photos, GFCI receptacle at the kitchen sink is not identifiable, carbon monoxide detector presence is not confirmed, and electrical panel location/condition is not shown. Exterior elevated structure appears sound with no visible foundation movement. These unknowns create moderate NSPIRE risk that can usually be resolved quickly if detectors and GFCI are installed/verified."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Visible evidence of functioning systems: ceiling vents and a central air register indicate central HVAC, kitchen appliances (cooktop, wall oven, dishwasher, refrigerator) are present and appear operational, and plumbing fixtures (kitchen sink) look serviceable. Roof is metal and appears intact with no visible sagging or active leaks. Water heater, electrical service/panel, and HVAC equipment are not shown so operational status is assumed from furnished, move-in-ready presentation — a reasonable best-guess but an inspection should verify age/condition of HVAC, water heater, and service panel."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Elevated stilt home with intact metal roof, siding in good repair and a clean poured-concrete driveway. Yard is maintained, no standing water or visible infestation, and under-house posts look plumb and intact. Exterior wood railings and stair paint show weathering and would benefit from maintenance but present no immediate structural failure. Coastal location (Grand Isle) implies exposure to wind/salt but no visible storm damage."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos are representative of entire unit and no hidden water damage, mold, or pest infestation exists in unpictured areas.",
"Central HVAC and hot water systems are present and functional (vent registers visible; equipment not photographed).",
"Kitchen appliances shown in photos are functional and will be left with the property as listing implies 'furnishings remain.'",
"Bedrooms have standard-size operable windows providing required egress (windows visible in some bedroom photos appear typical but were not measured).",
"Electrical panel, plumbing fixtures, and water heater are code-compliant and free of active safety hazards though not pictured.",
"Property meets local coastal elevation requirements for stilt homes; photos show properly elevated structure.",
"Listing statement 'move in ready' accurately reflects current condition."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE_v1.0_photo-assessment_2026-03"
},
{
"summary": "Overall this elevated single-family home appears well-maintained and close to Section 8 / NSPIRE-ready. Interiors are clean, appliances present, HVAC vents visible and exterior structure appears sound. Main inspection uncertainty areas are verification of working smoke/CO detectors in required locations, GFCI protection in wet areas, and the unphotographed electrical panel and water heater. Minor exterior carpentry/rail sanding and cosmetic touch-ups are recommended. Likely passes an initial HCV inspection after quick verification/installation of detectors and any needed GFCI outlets; otherwise minor repairs (within 30 days) are expected.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show clean, updated finishes: new-looking vinyl plank flooring, painted walls, intact cabinetry and countertops, working appliances (fridge, dishwasher, cooktop, built-in oven visible). Furnishings present. Exterior paint and siding look serviceable. Minor deferred items observed: exterior porch/railing wood is weathered and would benefit from sanding/paint or sealant; ceiling fans show paint chipping; small cosmetic scuffs at baseboards. No severe cosmetic damage, flooring, cabinetry or drywall failures visible. Missing appliances would be moderate but in this case major appliances are present."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "No obvious life-threatening hazards in photos: no exposed wiring, no collapsed ceilings, no standing water or visible mold. Bedroom windows appear present for egress. Stair and porch guardrails are present. Central HVAC vents visible. Uncertainties lower this score: smoke detectors/carbon monoxide detectors are not clearly confirmed in all sleeping areas (a round device is visible in one interior shot but location/coverage is unverified), GFCI protection at kitchen sink not visible, electrical panel not shown, hot water system not shown. Exterior stair treads/railings appear weathered and may require fastening/repair prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Ceiling supply vents and thermostat are visible indicating central HVAC likely present. Metal roof appears intact from exterior photo. Kitchen appliances (cooktop, oven, dishwasher, refrigerator) are present which indicates working circuits/gas/electric connections. Plumbing fixtures (kitchen sink, dishwasher) appear intact without visible leaks. Water heater and electrical service/panel were not photographed so their condition is assumed serviceable based on overall upkeep; no visible signs of roof leaks or active plumbing damage in interior photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Elevated (stilt) single-family beach home with concrete driveway in good condition and a maintained lawn. Support posts and cross-bracing visible and appear straight and intact; no visible foundation settlement or sagging. Siding and metal roof appear serviceable. Exterior stair and porch railings are weathered (cosmetic) but present. No visible infestation, standing water, or major drainage issues in photos."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Central HVAC is present and operational (supply vents and thermostat visible).",
"Hot water heater exists and is functional though not pictured.",
"Electrical panel is intact and circuits for visible appliances are functioning (panel not shown).",
"Smoke detectors/CO alarms may be present but not clearly visible in all required locations; at least one detector visible in photos but not verifiable for every sleeping area.",
"Bedroom windows provide required egress dimensions or will be confirmed during inspection.",
"No active roof leaks or hidden water damage exist; interior ceilings show no staining.",
"Exterior porch/railings are weathered but structurally sound unless inspector finds loose fasteners."
],
"overall_score": 80.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the home appears move-in ready with good interior finishes, functioning kitchen appliances, and intact exterior envelope. Visible conditions point toward a likely passable HCV/NSPIRE inspection after routine verification items are confirmed (smoke/CO detectors, GFCI outlets, mechanical equipment operability). Primary concerns are documentation and verification of detectors, electrical panel location/condition, and hot water/heating operation. Cosmetic exterior deck rail maintenance is needed but not an inspection-critical structural issue.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show well-maintained, recently updated finishes: painted cabinets, new-looking vinyl plank flooring, finished wood ceilings, functioning appliances (range top, built-in oven, dishwasher, refrigerator visible). Furnishings present but no visible deferred maintenance inside. Exterior shows weathering on porch railings and stairs (surface wear, discoloration) but no broken elements visible. Missing or damaged items appear cosmetic and easily repaired (deck staining/repair, minor trim touch-ups)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, no exposed wiring, no visible severe mold or standing water). Elevated home has stair and handrail present. Kitchen and living areas show ceiling vents (HVAC). However required safety items are not verifiable from photos: smoke detectors and CO alarms locations are not clearly visible in sleeping areas, GFCI protection at kitchen counters is not confirmed, electrical panel not shown, and bedroom egress window sizes cannot be fully confirmed. Because these are unknowns but the visible condition is good, assign moderate risk pending verification."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Ceiling air vents and an air handler/duct register in photos indicate central HVAC is present; no visible rust or water stains on ceilings to suggest active leaks. Metal roof appears intact with no visible missing panels. Kitchen fixtures (sink, dishwasher) appear installed and likely functional. Water heater, electrical panel, and mechanical equipment are not visible, so operability is assumed but not confirmed. Given good cosmetic condition and visible HVAC registers, moderate-to-good score but with system verification recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Elevated stilt construction typical for the coastal area appears straight and intact; metal roof looks in good condition and siding is painted. Concrete driveway is sound. Porch railings and steps show weathering and require maintenance (sanding/paint/seal) but are present. No evidence of standing water, major erosion, visible foundation movement, or pest infestation in provided photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operable (ceiling vents observed) though full operation and age are not verified.",
"Hot water heater and plumbing supply/drainage are present and functional though not shown in photos.",
"Smoke detectors and carbon monoxide alarms are not visible in provided photos; assume at least some detectors are present but their locations/operation need verification.",
"Electrical panel and GFCI protection in kitchen/bathrooms are not shown; assume standard installation but require inspection.",
"Bedroom windows meet egress requirements based on typical construction, but exact dimensions and compliance are unverified.",
"Stilt/piling foundation is structurally sound as there is no visible sagging or major settlement in photos; however full foundation evaluation not available from exterior photos alone.",
"Listing statement 'move in ready' and 'excellent condition' are factored into the assessment as supporting evidence of overall maintenance."
],
"overall_score": 78.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "134 Rosethorn Ln, Grand Isle, LA, 70358",
"aggregate": {
"summary": "Overall, this elevated single-family home appears largely rent-ready with mostly cosmetic or minor maintenance needs. Interiors are clean, furnished, and show working kitchen appliances and visible HVAC distribution. Primary NSPIRE inspection risks are items not visible in photos: smoke and CO detectors, GFCI near sink, and verification of electrical panel, water heater and HVAC operational condition. Exterior shows typical weathering of porch rails but no structural sagging or roof failure. Likely passable after a brief pre-inspection walk-through to verify detectors and basic system operation; estimated time-to-pass: under 30 days if detectors or minor repairs are required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show well-maintained finishes: intact cabinetry, countertops, flooring (vinyl/laminate), working appliances visible (cooktop, wall oven, dishwasher, refrigerator), and clean walls/ceilings. Minimal visible deferred maintenance — cosmetic weathering on exterior porch railings and stairs and some exterior wood that would benefit from repaint/stain. No visible collapsed ceilings, major drywall damage, or exposed subfloor. Missing or worn small items (outlet covers, minor trim scuffs) are likely easy cosmetic fixes."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 79.3,
"rationale": "Elevated stilt home with intact metal roof, siding in good repair and a clean poured-concrete driveway. Yard is maintained, no standing water or visible infestation, and under-house posts look plumb and intact. Exterior wood railings and stair paint show weathering and would benefit from maintenance but present no immediate structural failure. Coastal location (Grand Isle) implies exposure to wind/salt but no visible storm damage."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 72.3,
"rationale": "No obvious life-threatening hazards in photos: stair handrails and porch guardrails are present, floors and walkways inside look even, no visible mold or water stains, and wiring appears covered. Central HVAC vents visible. However, required safety items are not clearly shown: ceiling-mounted smoke detectors are not visible in the majority of living/bedroom photos, GFCI receptacle at the kitchen sink is not identifiable, carbon monoxide detector presence is not confirmed, and electrical panel location/condition is not shown. Exterior elevated structure appears sound with no visible foundation movement. These unknowns create moderate NSPIRE risk that can usually be resolved quickly if detectors and GFCI are installed/verified."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 76.7,
"rationale": "Visible evidence of functioning systems: ceiling vents and a central air register indicate central HVAC, kitchen appliances (cooktop, wall oven, dishwasher, refrigerator) are present and appear operational, and plumbing fixtures (kitchen sink) look serviceable. Roof is metal and appears intact with no visible sagging or active leaks. Water heater, electrical service/panel, and HVAC equipment are not shown so operational status is assumed from furnished, move-in-ready presentation — a reasonable best-guess but an inspection should verify age/condition of HVAC, water heater, and service panel."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos are representative of entire unit and no hidden water damage, mold, or pest infestation exists in unpictured areas.",
"Central HVAC and hot water systems are present and functional (vent registers visible; equipment not photographed).",
"Kitchen appliances shown in photos are functional and will be left with the property as listing implies 'furnishings remain.'",
"Bedrooms have standard-size operable windows providing required egress (windows visible in some bedroom photos appear typical but were not measured).",
"Electrical panel, plumbing fixtures, and water heater are code-compliant and free of active safety hazards though not pictured.",
"Property meets local coastal elevation requirements for stilt homes; photos show properly elevated structure.",
"Listing statement 'move in ready' accurately reflects current condition."
],
"score_method": "mean_of_criteria",
"overall_score": 78.8,
"rubric_version": "nsPIRE_v1.0_photo-assessment_2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7426017168"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.