Property ID: 7454282606

2676 Saturn St, Harvey, LA, 70058

Harvey, LA

For Sale Mar 27, 2026 05:20 PM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $71,976 CoC Return: -8.57% Monthly Cash Flow: $-514
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$59,980
Closing Costs
$11,996
Total Down
$71,976
Primary property image

Investment Snapshot

Purchase Price
$299,900
Money Down
$71,976
Cash-on-Cash Return
-8.57%
Rent
$1,696
Monthly Cash Flow
$-514
Annual Cash Flow
$-6,168
Debt Service / Mo
$1,596
Property Tax / Mo
$292
Insurance / Mo
$152

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$152
Property Tax
$292
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,082
Debt Service
$1,596
Cash Flow After Debt
$-514

Quality Score: 75.10%

Confidence: 82.00%

Overall the property appears near-turnkey for a Housing Choice Voucher inspection. Interior finishes, kitchen appliances, and exterior envelope are in good condition with only minor cosmetic repairs likely needed. Visible smoke alarm and secure entry are positives; central HVAC vents visible. Primary unknowns: operational status of HVAC, water heater, electrical panel condition, and presence of CO alarm and GFCI protection in kitchen/bathrooms. The garage-to-den conversion is a potential code/egress/permitting issue if used as a sleeping room and should be confirmed. With verification of mechanicals and installation of any missing CO/GFCI devices, the house is likely to pass an initial NSPIRE inspection with minor repairs and documentation (1–4 weeks of prep).

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
$299,900
Beds
3
Baths
2
Living Area
1,948 sqft
Lot Size
Year Built
1971
Days on Market
15
Capital Outlay
$71,976
Debt Service
$1,596
Property Tax / Mo
$292
Insurance / Mo
$152

Property Description

Great house in Woodland West. The two car garage was converted to a large den. They left the garage door on the exterior of the house. New owner can convert back to garage if needed. The home house lots of uniques woodworking touches throughout, giving it a bit more character. Large covered patio - 10' x 27'. Large shed 13' x 12'. Fenced in yard, More details to come!

Utility Allowances

Heating
$70
Selected 'natural_gas' for heating as the property information explicitly states 'Gas: Natural' and 'Heating Features: Central'.
Cooking
$12
Selected 'natural_gas' for cooking as the property information explicitly states 'Gas: Natural'.
Water Heating
$24
Selected 'natural_gas' for water heating, inferred from the explicit availability of natural gas for other appliances like heating and cooking.
Other Electric
$67
This is a standard fixed allowance for general electricity (lights, outlets, etc.) for a 3-bedroom unit. It is assumed to include the cost of electric air conditioning.
Water
$43
Included based on the property information specifying 'Water Source: Public'.
Sewer
$46
Included based on the property information specifying 'Sewer: City'.
Trash Collection
$25
Included as a standard tenant-paid municipal service for a single-family residential property.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$1,821
DP3 Annual Estimate$1,821
DP1 Monthly Equivalent$152
DP3 Monthly Equivalent$152
Replacement Value$212,100
Basis1,948 sqft / 1971

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Price: $285,000
4 bd / 2 ba · 1,918 sqft
Latest sale: — on Nov 15, 2023
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2320 Hampton Dr

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Price: $180,000
4 bd / 2 ba · 1,900 sqft
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2244 Hampton Dr

off_market · 0.20 mi
Price: $245,000
4 bd / 2 ba · 1,729 sqft
Latest sale: —
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2236 Hampton Dr

for_sale · 0.21 mi
Price: $329,000
4 bd / 3 ba · 2,262 sqft
Latest sale: —
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2620 Jupiter St

for_sale · 0.22 mi
Price: $305,000
3 bd / 3 ba · 1,990 sqft
Latest sale: —
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Nearby house 6
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2248 Stall Dr

for_sale · 0.25 mi
Price: $280,000
4 bd / 2 ba · 1,826 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

  • Central HVAC is present and operational (ceiling vents visible) though no service records or thermostat functionality were provided.
  • Water heater and main electrical panel are present and functioning, but were not photographed; assumed serviceable given overall condition.
  • Kitchen and bathroom plumbing (hot water, drains) are functional; no visible leaks or water damage observed.
  • Bedrooms retain original egress windows (three bedrooms as listed) and the garage conversion did not remove required egress from original bedrooms. The converted garage is assumed to be used as den, not a legal bedroom, unless otherwise documented.
  • No active roof leaks or major foundation movement exist based on lack of visible staining, sagging or cracked walls in photos.
  • GFCI outlets and carbon monoxide detector presence/status could not be verified from photos and are assumed missing or unconfirmed.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $3,407 $256,500 $25,650
2024 $3,397 $256,500 $25,650
2023 $3,517 $256,500 $25,650
2022 $3,432 $256,500 $25,650
2021 $1,721 $136,100 $13,610
2020 $1,709 $136,100 $13,610
2019 $1,722 $136,100 $13,610
2018 $1,613 $136,100 $13,610
2017 $1,548 $136,100 $13,610
2016 $1,518 $136,100 $13,610
2015 $1,534 $134,800 $13,480
2014 $1,516 $134,800 $13,480
2013 $1,516 $134,800 $13,480
2012 $672 $134,800 $13,480
2011 $668 $133,900 $13,390
2010 $1,484 $133,900 $13,390
2009 $1,431 $133,900 $13,390
2008 $623 $13,390

Sale History

DateEventPrice
2021-09-15 Sold
2005-06-29 Sold

Rental History

DateEventPriceSource
2023-07-31 Listed for rent $2,300
2022-08-08 Listed for rent $2,300

Photo Gallery

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            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 90.0,
            "rationale": "Brick exterior and roof appear in good condition. Driveway and covered carport/entry concrete are intact without major cracks. Fenced yard and a large shed are present. Landscaping is low-maintenance and not overgrown. No standing water or drainage issues evident from images."
          },
          {
            "key": "rental_history_activity",
            "label": "Evidence of recent rental activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC is present and operational (ceiling vents visible) though no service records or thermostat functionality were provided.",
          "Water heater and main electrical panel are present and functioning, but were not photographed; assumed serviceable given overall condition.",
          "Kitchen and bathroom plumbing (hot water, drains) are functional; no visible leaks or water damage observed.",
          "Bedrooms retain original egress windows (three bedrooms as listed) and the garage conversion did not remove required egress from original bedrooms. The converted garage is assumed to be used as den, not a legal bedroom, unless otherwise documented.",
          "No active roof leaks or major foundation movement exist based on lack of visible staining, sagging or cracked walls in photos.",
          "GFCI outlets and carbon monoxide detector presence/status could not be verified from photos and are assumed missing or unconfirmed."
        ],
        "overall_score": 82.0,
        "rubric_version": "nsPIRE-2024-v1"
      },
      {
        "summary": "Overall the property appears in good, mostly turnkey condition with solid exterior, finished interior, and modern kitchen appliances. Likely to pass an initial HCV/NSPIRE inspection after addressing a few common compliance items: confirm presence/function of carbon monoxide alarm(s), ensure GFCI protection at kitchen/bath outlets, verify operation of HVAC, hot water, and electrical panel, and confirm that the garage conversion's use and egress are code-compliant/permitted. Expect rent-ready timeline of under 30 days for those checks and minor fixes.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 80.0,
            "rationale": "Photos show generally well-maintained interior and exterior finishes: intact brick exterior, recent-looking shingles, solid hardwood and tile flooring, modern kitchen cabinets and stainless appliances. Cosmetic wear exists on interior doors (distressed paint) and some trim; these are cosmetic and easy to fix. Converted garage/den appears finished but may need touch-ups where garage door remains on exterior. Missing minor items (no visible washer/dryer in photos) but missing appliances are moderate impact only. Overall only minor repairs and cosmetic work expected."
          },
          {
            "key": "safety_code",
            "label": "NSPIRE / Section 8 safety & code risk",
            "score": 60.0,
            "rationale": "No obvious life‑threatening hazards visible (no ceiling sag, no standing water, no exposed wiring). A smoke detector is visible in a main living area. A gas range is present — I did not spot any carbon monoxide alarm in the photos; lack of CO detection near sleeping areas would be an immediate fail in many jurisdictions. GFCI protection at the kitchen sink is not clearly visible in photos (kitchen outlets shown but no clearly labeled GFCI receptacle). Entry door shows a lock + deadbolt. Bedroom egress, electrical panel condition, and hot water presence are not visible in photos and must be verified. Because CO and GFCI are unknown, there is a moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, plumbing, electrical, roof)",
            "score": 70.0,
            "rationale": "Ceiling vents and recessed lighting indicate central HVAC is present; no visible evidence of missing heating system. Roof appears recently shingled and in good visual condition from photos. Stainless gas range, dishwasher, and refrigerator present — suggests functioning utilities, but operation not verified. Electrical panel, water heater, and age/condition of HVAC equipment are not shown and should be verified; because visible evidence points to functioning systems and no signs of leaks or water damage, risk is moderate."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 80.0,
            "rationale": "Exterior brick, covered carport/garage area, concrete drive and fenced yard are in good visible condition. Large covered patio and shed present. Minor yard maintenance (overgrown shrubs) only. The former garage conversion retains the exterior garage door and a metal security/gate structure — exterior structure appears sound. No visible foundation cracking, standing water, or major site drainage issues in provided photos."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent rental history (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "No visible carbon monoxide detector in photos while a gas range is present — potential inspection failure if not installed in required locations.",
          "GFCI protection for kitchen sink outlets not clearly visible — missing/properly wired GFCI could cause a fail.",
          "Garage-to-den conversion may be unpermitted or lack required egress/separation; verify permit/condition to avoid code issues."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Central HVAC is present and operational (ceiling vents visible) though mechanical condition not verified.",
          "Water heater and electrical panel exist and function; not visible in photos but assumed present for occupied/rented status.",
          "Bedrooms have egress windows typical for a 1971 single-family home unless otherwise modified (not shown in photos).",
          "Appliances shown (gas range, fridge, dishwasher) are present and presumed operable but should be tested prior to inspection.",
          "No active roof leaks or major foundation issues are present because no staining, sagging, cracks, or water intrusion are visible in photos.",
          "Garage converted to den is being used as living space (not a legal bedroom) — permits/egress not verified and could affect compliance."
        ],
        "overall_score": 73.0,
        "rubric_version": "nspt_v1.0_photos+listing_2026-03"
      },
      {
        "summary": "Overall the property appears to be in good cosmetic and functional condition and is likely to pass an initial HCV/NSPIRE inspection after addressing a small number of verification items. Primary positive indicators: tidy interior finishes, functioning kitchen appliances, evidence of central HVAC, intact roof and exterior envelope, fenced yard and shed. Primary inspection risks: converted garage (possible missing required fire separation/egress/code compliance), lack of visible CO detectors and verified GFCI protection, unknown location/condition of electrical panel and water heater, and potential lead-based paint hazard (home built 1971). With routine pre-rental checks (confirm HVAC and water heater operation, ensure smoke/CO/GFCI items are compliant, confirm egress and fire separation for converted garage, perform required lead disclosures/testing), this home should be rent-ready within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Interior and finishes appear in generally good condition: hardwood floors, tiled kitchen, modern cabinets and stainless appliances present. Cosmetic wear visible on at least one interior door and some exterior shrub overgrowth. Converted garage/den is finished but the exterior garage door remains — this is a nonstandard feature that may require minor work or documentation. No visible major deferred maintenance (no collapsed ceilings, large stains, or exposed subfloor). Missing or worn fixtures are minor and likely easy/low-cost to correct."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 68.0,
            "rationale": "No obvious life‑threatening hazards visible in photos (no sagging ceilings, no standing water, no exposed wiring). A smoke detector is visible in a living area, and exterior entry has a deadbolt. However key NSPIRE items are not verifiable from photos: CO alarm presence not shown, GFCI protection at kitchen sink not confirmed, electrical panel not shown, bedroom egress windows / required bedroom smoke detectors not verified. The garage-to-living conversion (garage door still on exterior) raises a potential fire-separation/code risk. Built 1971 -> lead-based paint hazard possible; disclosure/testing needed. These unknowns reduce the safety score."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
            "score": 72.0,
            "rationale": "Evidence of central HVAC supply/return grilles in ceilings suggests central HVAC is present. Kitchen plumbing fixtures, dishwasher, gas range, and refrigerator are installed and appear serviceable. Roof shingles appear in good visual condition from exterior photos, and no visible active leaks inside. Water heater and electrical panel are not visible in photos so operational condition is assumed but unconfirmed. Due to visible functioning appliances and vents but lack of confirmation of water heater, panel, or system ages, a moderate score is assigned."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Exterior brick envelope, driveway, covered patio and fenced yard appear intact and serviceable. Large shed present. Concrete driveway and covered parking show staining but no structural cracking visible. Wooden perimeter fence shows weathering but appears functional. Landscaping is slightly overgrown in front beds and would benefit from trimming. The carport/garage conversion with the original garage door still present is an atypical condition that may require documentation/repairs to meet separation/fire-safety codes."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (5y)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Garage converted to living space with original garage door left on exterior — potential lack of required fire separation and/or improper conversion that could cause inspection failure.",
          "No visible carbon monoxide alarm(s) in photos — required where gas appliances/attached garages present.",
          "GFCI protection at kitchen sink not verifiable in photos — may be required and could cause a fail if absent.",
          "Property built in 1971 — potential lead-based paint hazard; required disclosures/testing for pre‑1978 construction not shown."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Central HVAC is present and operational based on visible ceiling supply/return grilles but system performance is unverified.",
          "Hot water and water heater are present and functional though not visible in photos.",
          "Electrical service and panel are present and intact; no exposed wiring is visible in photos.",
          "GFCI protection at kitchen sink and CO alarms are not visible in photos and are assumed missing or unconfirmed until verified.",
          "Garage was converted to a den; conversion appears finished internally but may lack required fire separation between former garage and living space (photos show the original garage door still on the exterior).",
          "No visible evidence of active roof leaks or major foundation movement from provided photos; interior ceiling and floor conditions look sound.",
          "Because the house was built in 1971, lead-based paint hazard is possible and standard pre-rental lead disclosure/testing protocols apply."
        ],
        "overall_score": 78.0,
        "rubric_version": "nsPIRE-v1.0-2026-03"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "2676 Saturn St, Harvey, LA, 70058",
    "aggregate": {
      "summary": "Overall the property appears near-turnkey for a Housing Choice Voucher inspection. Interior finishes, kitchen appliances, and exterior envelope are in good condition with only minor cosmetic repairs likely needed. Visible smoke alarm and secure entry are positives; central HVAC vents visible. Primary unknowns: operational status of HVAC, water heater, electrical panel condition, and presence of CO alarm and GFCI protection in kitchen/bathrooms. The garage-to-den conversion is a potential code/egress/permitting issue if used as a sleeping room and should be confirmed. With verification of mechanicals and installation of any missing CO/GFCI devices, the house is likely to pass an initial NSPIRE inspection with minor repairs and documentation (1–4 weeks of prep).",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 78.7,
          "rationale": "Interior and kitchen appear well-maintained: hardwood floors, tile, updated cabinets and stainless appliances visible. Minor cosmetic issues only (distressed/peeling finish on some interior doors, aged exterior garage door paint, some trim touch-up). Listing notes the two-car garage was converted to a den (garage door left on exterior) which may require cosmetic/functional finishing depending on intended use. No visible major deferred maintenance, water stains, or collapsed surfaces in photos."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 81.7,
          "rationale": "Brick exterior and roof appear in good condition. Driveway and covered carport/entry concrete are intact without major cracks. Fenced yard and a large shed are present. Landscaping is low-maintenance and not overgrown. No standing water or drainage issues evident from images."
        },
        {
          "key": "rental_history_activity",
          "label": "Evidence of recent rental activity (last 5 years)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risk (NSPIRE)",
          "score": 68.7,
          "rationale": "Visible smoke alarm in main living area. Entry door appears secure with keyed hardware (deadbolt visible). No exposed wiring or obvious electrical hazards seen. Interior ceilings and walls show no visible active water staining or mold. Kitchen has modern appliances (gas stove present) — carbon monoxide alarm not visible in photos (CO alarm recommended/likely required with gas appliances). GFCI presence at kitchen outlets cannot be fully confirmed from photos. Bedroom egress windows are not all shown; assumed adequate for three-bedroom count but the garage-to-den conversion is a potential egress/permitting concern if that space is intended as a sleeping room."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical Integrity",
          "score": 72.3,
          "rationale": "Ceiling HVAC vents and return are visible (central HVAC presumed). Roof shingles look intact in exterior photos; no visible sagging or active leaks indicated by interior photos. Kitchen plumbing fixtures appear intact; stainless gas range and fridge present. Water heater, electrical panel, and mechanical equipment are not visible in photos — operational condition is unknown. Given overall good cosmetic condition, no immediate evidence of system failure, but these unverified items reduce score."
        }
      ],
      "red_flags": [],
      "confidence": 0.82,
      "assumptions": [
        "Central HVAC is present and operational (ceiling vents visible) though no service records or thermostat functionality were provided.",
        "Water heater and main electrical panel are present and functioning, but were not photographed; assumed serviceable given overall condition.",
        "Kitchen and bathroom plumbing (hot water, drains) are functional; no visible leaks or water damage observed.",
        "Bedrooms retain original egress windows (three bedrooms as listed) and the garage conversion did not remove required egress from original bedrooms. The converted garage is assumed to be used as den, not a legal bedroom, unless otherwise documented.",
        "No active roof leaks or major foundation movement exist based on lack of visible staining, sagging or cracked walls in photos.",
        "GFCI outlets and carbon monoxide detector presence/status could not be verified from photos and are assumed missing or unconfirmed."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 75.1,
      "rubric_version": "nsPIRE-2024-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7454282606"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.