Property ID: 7473165433
120 Vail Ave, Hueytown, AL, 35023
Hueytown, AL
Money Down: $26,376
CoC Return: 13.44%
Monthly Cash Flow: $295
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Investment Snapshot
Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
13.44%
Rent
$1,092
Monthly Cash Flow
$295
Annual Cash Flow
$3,544
Debt Service / Mo
$585
Property Tax / Mo
$42
Insurance / Mo
$60
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,092
Payment Standard
$1,408
Rent
$1,092
Insurance
$60
Property Tax
$42
Management
$109
Utilities Allowance
$316
NOI (Monthly)
$880
Debt Service
$585
Cash Flow After Debt
$295
Quality Score: 73.50%
Confidence: 90.00%
This 2-bed, 1-bath single-family cottage appears broadly ready for Section 8/HCV tenancy with mostly cosmetic updates already completed and working kitchen appliances present. Major building systems and envelope show no visible structural defects; HVAC condenser and utility services are present. Primary inspection risks are missing/undocumented safety devices (smoke and CO detectors), possible missing GFCI protection at kitchen/bath, and some minor exterior repairs (porch edge, driveway cracks, possible missing handrail). With verification/installation of required detectors, confirmation of HVAC and water heater operation, and a few small fixes, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$316
Guaranteed Section 8 Rent (PS - Utilities)
$1,092
Property Management
$109
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,900
Beds
2
Baths
1
Living Area
1,027 sqft
Lot Size
11,761 sqft
Year Built
1950
Days on Market
49
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$42
Insurance / Mo
$60
Property Description
A charming one-level Hueytown cottage, nestled near at the end of a peaceful street, is ready for it's next chapter! This cozy 2-bedroom, 1-bathroom gem offers a perfect balance of comfort and convenience. Step into the spacious living room as it invites you to unwind while visiting with family and friends. Whip up your favorite treats in the generous kitchen that provides plenty of room for cooking and dining. A separate sunny laundry room adds to the ease of everyday living. Enjoy the outside in your private fenced yard, ideal for relaxation, pets or watching children play. With its quiet location and thoughtful layout, this home is perfect and close by all the conveniences of shopping and schools.
Utility Allowances
Heating
$31
The property has 'Gas Heat'. 'N'Gas: Spire' was selected as it is a major provider in Jefferson County. The allowance is for a 2-bedroom unit.
Cooling
$12
The property has 'Electric (COOL)'. The 'A/C: Bessemer' option was chosen as the property is described as being in the Bessemer area. The allowance is for a 2-bedroom unit.
Cooking
$11
The property includes a 'Stove-Electric'. The 'Elec: Bessemer' option was chosen for consistency with the cooling provider. The allowance is for a 2-bedroom unit.
Water Heating
$31
The property has an 'Electric (WTRHTR)'. The 'Elec: Bessemer' option was selected for provider consistency. The allowance is for a 2-bedroom unit.
Other Electric
$40
This covers general electric use (lights, outlets). The 'Lights, Ref, Etc.: Bessemer' option was chosen for provider consistency. The allowance is for a 2-bedroom unit.
Water
$60
The property has 'Public Water'. The 'Water: Bessemer' option was selected based on the property's location in the Bessemer area. The allowance is for a 2-bedroom unit.
Sewer
$125
The property is 'Connected' to a sewer. The schedule provides a single fixed rate for sewer service. The allowance is for a 2-bedroom unit.
Trash Collection
$0
Trash collection provider is not specified. 'Bessemer ISCL' was selected as the property is in the Bessemer area, and the $0 allowance implies this is a city service not billed directly to the tenant.
Refrigerator
$0
The property listing states a refrigerator is included. Therefore, the allowance for a tenant-provided refrigerator is $0.
Range/Microwave
$6
The property listing does not mention a microwave. Per rules, this is assumed to be tenant-provided. The allowance is a fixed amount from the schedule for a 2-bedroom unit.
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$583
DP3 Annual Estimate$867
DP1 Monthly Equivalent$49
DP3 Monthly Equivalent$72
Replacement Value$63,300
Basis1,027 sqft / 1950
Nearby Houses
Photo unavailable
115 Foust Ave
off_market · 0.04 mi
Price: $140,000
3 bd / 2 ba · 1,204 sqft
Latest sale: $140,000
Latest rent: —
Photo unavailable
117 Foust Ave
sold · 0.04 mi
Price: $97,000
3 bd / 2 ba · 1,428 sqft
Latest sale: $97,000
Latest rent: —
Photo unavailable
123 Vail Ave
sold · 0.04 mi
Price: $97,000
3 bd / 2 ba · 1,526 sqft
Latest sale: $97,000 on Aug 17, 2018
Latest rent: $1,250 on Sep 12, 2024
Photo unavailable
119 Foust Ave
sold · 0.05 mi
Price: $137,000
3 bd / 2 ba · 2,088 sqft
Latest sale: $137,000
Latest rent: —
Photo unavailable
115 Vail Ave
sold · 0.05 mi
Price: $80,000
2 bd / 1 ba · 720 sqft
Latest sale: $80,000 on Apr 19, 2018
Latest rent: $900 on May 30, 2025
Photo unavailable
111 Foust Ave
sold · 0.06 mi
Price: $135,500
3 bd / 1 ba · 884 sqft
Latest sale: $135,500
Latest rent: —
Photo unavailable
111 Vail Ave
sold · 0.06 mi
Price: $47,500
2 bd / 1 ba · 868 sqft
Latest sale: $47,500
Latest rent: —
Photo unavailable
104 Vail Ave
sold · 0.08 mi
Price: $133,000
2 bd / 2 ba · 1,110 sqft
Latest sale: $133,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photographs are recent and accurately represent current condition.
- Kitchen appliances (stove, refrigerator, dishwasher) pictured are included and operational.
- Central HVAC is present and functional (outdoor condenser visible); furnace/water heater not pictured but assumed operational unless inspection indicates otherwise.
- Smoke detectors and carbon monoxide alarms are not visible in photos and therefore may be missing or need replacement — these must be confirmed/installed to meet NSPIRE.
- Electrical panel exists and is serviceable though not shown; no visible exposed live wiring in photos.
- Bedroom windows are assumed to meet egress size based on visible dimensions in photos, but measurements are required to confirm compliance.
- No major hidden damage (roof leaks, foundation movement, mold) unless found during a physical inspection; exterior and interior conditions suggest none obvious.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $491 | $92,300 | $9,240 |
| 2023 | $467 | $86,600 | $8,660 |
| 2022 | $435 | $81,200 | $8,120 |
| 2021 | $332 | $64,200 | $6,420 |
| 2020 | $373 | $70,900 | $7,100 |
| 2019 | $323 | $62,500 | $6,260 |
| 2018 | $294 | $57,800 | $5,780 |
| 2017 | $294 | $57,800 | $5,780 |
| 2016 | $294 | $57,800 | $5,780 |
| 2015 | $294 | $57,800 | $5,780 |
| 2013 | $292 | $56,600 | $5,660 |
| 2012 | $305 | $58,770 | $5,877 |
| 2011 | $309 | $59,500 | $5,950 |
| 2010 | $309 | $59,500 | $5,950 |
| 2009 | $309 | $59,500 | $5,950 |
| 2008 | $316 | $60,600 | $6,060 |
| 2007 | $309 | $59,500 | $5,950 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-29 | Listed | $109,900 |
| 2004-03-01 | Sold | $67,333 |
| 2003-03-20 | Listed | $64,500 |
Photo Gallery
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{
"note": "The property includes a 'Stove-Electric'. The 'Elec: Bessemer' option was chosen for consistency with the cooling provider. The allowance is for a 2-bedroom unit.",
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{
"note": "The property has an 'Electric (WTRHTR)'. The 'Elec: Bessemer' option was selected for provider consistency. The allowance is for a 2-bedroom unit.",
"utility": "Water Heating",
"allowance": 31
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{
"note": "This covers general electric use (lights, outlets). The 'Lights, Ref, Etc.: Bessemer' option was chosen for provider consistency. The allowance is for a 2-bedroom unit.",
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{
"note": "The property has 'Public Water'. The 'Water: Bessemer' option was selected based on the property's location in the Bessemer area. The allowance is for a 2-bedroom unit.",
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"summary": "This 2-bed, 1-bath single-family cottage appears broadly ready for Section 8/HCV tenancy with mostly cosmetic updates already completed and working kitchen appliances present. Major building systems and envelope show no visible structural defects; HVAC condenser and utility services are present. Primary inspection risks are missing/undocumented safety devices (smoke and CO detectors), possible missing GFCI protection at kitchen/bath, and some minor exterior repairs (porch edge, driveway cracks, possible missing handrail). With verification/installation of required detectors, confirmation of HVAC and water heater operation, and a few small fixes, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
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"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained small cottage with cosmetic updates (fresh paint, new-looking laminate floors) and working kitchen appliances (stove, refrigerator, dishwasher). Cabinets are older but serviceable. Exterior siding, porch posts and roof shingles appear in good condition with only minor concrete edge spalling at the front porch and driveway surface cracks. No visible collapsed or missing finishes. Missing/aged cosmetic items only; appliances present reduce impact on score."
},
{
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"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no standing water, no collapsed areas, windows appear adequate for bedroom egress, exterior entry looks secure. However critical NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown, GFCI protection at kitchen sink or bathrooms not visible, and interior handrails for any higher steps are not shown. Gas meter/regulator is present outside (so CO requirement likely applies). Electrical meter and service appear intact; no exposed live wiring observed. Due to several required safety devices not visible in photos, moderate safety risk remains until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC & major system condition",
"score": 75.0,
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},
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}
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"Photographs are recent and accurately represent current condition.",
"Kitchen appliances (stove, refrigerator, dishwasher) pictured are included and operational.",
"Central HVAC is present and functional (outdoor condenser visible); furnace/water heater not pictured but assumed operational unless inspection indicates otherwise.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and therefore may be missing or need replacement — these must be confirmed/installed to meet NSPIRE.",
"Electrical panel exists and is serviceable though not shown; no visible exposed live wiring in photos.",
"Bedroom windows are assumed to meet egress size based on visible dimensions in photos, but measurements are required to confirm compliance.",
"No major hidden damage (roof leaks, foundation movement, mold) unless found during a physical inspection; exterior and interior conditions suggest none obvious."
],
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"rubric_version": "2026-02-16-v1"
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"summary": "This 2-bed, 1-bath cottage appears generally well maintained and likely to pass a HCV/NSPIRE initial inspection after addressing a few quick items. Major structural or life‑safety hazards are not visible in photos. The main inspection risks are absence/unverified smoke and CO alarms, unknown presence of GFCI protection at kitchen/bath outlets, and lack of visible verification for the water heater and electrical panel operation. Cosmetic repairs (porch concrete, driveway, cabinet refresh) and verification/installation of required detectors/GFCIs should make the property rent‑ready within 1–4 weeks.",
"criteria": [
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"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior and exterior photos show a largely cosmetically updated 2-bed cottage: newish-looking laminate floors, painted walls, working-looking kitchen with refrigerator, range, dishwasher and intact countertops and cabinets (cabinets are older but serviceable). Porch concrete has edge spalling/chips and the driveway shows cracking. No collapsed ceilings, exposed subfloor, or obvious severe water damage visible. Missing photos for bathroom(s) prevent verification of tile/fixtures. Overall defects are minor/cosmetic and repairable within a short schedule; missing or worn finishes reduce score moderately."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "No life‑threatening hazards are visible in photos: ceilings intact, no standing water, no visible major electrical arcing, exterior meter and service drop look secured. Bedroom windows appear adequate for egress. However smoke detectors and carbon monoxide alarms are not visible in interior photos (cannot confirm installation/placement). GFCI protection at kitchen counter/sink receptacles is not visible and may be missing given the age of the home. Front door appears to have a lock (possible deadbolt but not clearly identified). These unknowns (smoke/CO detectors, GFCI) create inspection risk that will need quick correction if absent."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC / electrical / plumbing / roof)",
"score": 70.0,
"rationale": "Exterior shows an outdoor HVAC condenser unit, and interior floor registers are visible — indicating central HVAC likely present. Roof shingles appear in serviceable condition with no visible sagging or active leaks in ceiling photos. Kitchen plumbing fixtures and faucet are present and look functional. Electrical meter and exterior conduit present; internal electrical panel not shown so condition can't be verified. Water heater is not pictured. Overall systems appear intact, but lack of direct verification of the electrical panel operation, water heater, and HVAC operation reduces score to moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Siding appears intact and in good repair, foundation/painted block visible with no obvious large cracks. Yard is fenced with chain link and has a gentle slope to wooded rear — no visible standing water but vegetation along rear edge may require clearing to prevent encroachment. Driveway has surface cracking; walkways and porch are present though porch edge concrete needs repair. Overall tidy and stable exterior with moderate maintenance items."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be missing or unverified and would need confirmation/installation.",
"GFCI protection for kitchen/bath receptacles is not visible; assume it may be absent given house age unless verified.",
"HVAC condenser is present and assumed operational but not functionally tested in photos.",
"Water heater and main electrical panel are present but not pictured; assume operable unless inspection reveals otherwise.",
"No active roof leaks or major foundation movement exist (no signs in interior/exterior photos).",
"Bathroom(s) fixtures and hot water are functional although bathrooms are not shown in the photo set.",
"Chain-link fence and yard slope do not create immediate safety hazards, but back vegetation may need routine clearing."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears well maintained and cosmetically updated with functioning major visible elements (range, refrigerator, dishwasher, HVAC condenser, solid roof and siding, fenced yard). The most significant inspection risks from photos are missing/unstamped smoke detectors (not visible), unknown GFCI protection at kitchen sink and unknown condition/location of electrical panel and water heater. These are typically quick fixes but must be verified and corrected prior to or at an initial NSPIRE/HCV inspection. Likely to pass after addressing detector/GFCI/handrail items (minor repairs) — roughly rent-ready within 2–4 weeks assuming systems are functional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show recent cosmetic updates and good general upkeep: new-looking laminate floors, painted walls, intact cabinets, and working-range, refrigerator and dishwasher present. Porch posts and concrete slab appear sound though the slab edge shows minor spalling. Driveway has surface cracking but no active collapse. No visible water stains, peeling paint, or collapsed finishes inside. Overall visible issues are minor cosmetic and maintenance items that are easy/low-cost to fix."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "No life‑threatening hazards visible (no collapsed ceilings, no visible active leaks, no obvious exposed high-voltage wiring). Entry door appears to have latch/lock; double‑hung windows provide likely egress from bedrooms. However, smoke detectors and carbon monoxide detectors are not visible in any interior photos; NSPIRE requires smoke detectors in sleeping areas and on each level. GFCI protection at kitchen sink is not visible in photos (required in many jurisdictions). Exterior side steps visible in photos do not show a handrail. Utility meter and service drop appear typical but the electrical panel was not photographed. Missing/unknown detectors and GFCI reduce the safety score; these are generally easy fixes but required for pass."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Exterior shows an outdoor HVAC condenser present (central HVAC likely). Roof shingles appear in serviceable condition with no visible sagging or staining. Kitchen plumbing fixtures visible and appliances present suggest utilities are connected. Water heater, electrical panel, and plumbing lines are not shown so their condition is assumed functional but unverified. No signs of obvious drain/backflow or severe roof damage visible from photos. Because critical system components (panel, water heater) were not documented, score is moderate but leans positive based on visible HVAC and intact roof."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Chain-link fenced yard is intact and the lot is private with gentle slope to rear. Siding appears in good repair, foundation skirt looks intact with painted masonry, and front porch and concrete pads are serviceable. Driveway has cracking and some surface deterioration but remains usable. No visible standing water, major erosion, or heavy vegetation encroachment immediately against the house in the provided images. Drainage appears to slope away to the rear but full site grading/drainage patterns cannot be confirmed from photos alone."
}
],
"red_flags": [
"No smoke detectors visible in interior photos (required for NSPIRE).",
"GFCI outlets not visible at kitchen sink (not verifiable from photos).",
"Exterior side steps lack a visible handrail.",
"Bathroom and mechanical room/water heater/electrical panel not photographed — condition unverified (inspection risk)."
],
"confidence": 0.7,
"assumptions": [
"Appliances shown (range, refrigerator, dishwasher) are operational or will be made operational prior to tenancy.",
"Central HVAC is functional because outdoor condenser is present and interior vents/registers are visible; no heating absence inferred.",
"Water heater and electrical panel exist and are serviceable though not photographed.",
"Bedrooms have code‑compliant egress windows (windows shown in bedrooms look full‑size).",
"No significant concealed issues (major mold, hidden structural movement, or active leaks) because there are no visible interior stains, sagging ceilings, or flooring failures; however absence of photos of ceiling/floor junctions and bathroom leaves some uncertainty."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "120 Vail Ave, Hueytown, AL, 35023",
"aggregate": {
"summary": "This 2-bed, 1-bath single-family cottage appears broadly ready for Section 8/HCV tenancy with mostly cosmetic updates already completed and working kitchen appliances present. Major building systems and envelope show no visible structural defects; HVAC condenser and utility services are present. Primary inspection risks are missing/undocumented safety devices (smoke and CO detectors), possible missing GFCI protection at kitchen/bath, and some minor exterior repairs (porch edge, driveway cracks, possible missing handrail). With verification/installation of required detectors, confirmation of HVAC and water heater operation, and a few small fixes, the property is likely to pass an initial NSPIRE/HCV inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 78.3,
"rationale": "Interior and exterior photos show a well-maintained small cottage with cosmetic updates (fresh paint, new-looking laminate floors) and working kitchen appliances (stove, refrigerator, dishwasher). Cabinets are older but serviceable. Exterior siding, porch posts and roof shingles appear in good condition with only minor concrete edge spalling at the front porch and driveway surface cracks. No visible collapsed or missing finishes. Missing/aged cosmetic items only; appliances present reduce impact on score."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & yard",
"score": 76.7,
"rationale": "Chain-link fenced yard with gate and generally tidy lot. Foundation visible and appears sound without large cracks; siding in good condition. Driveway shows cracking but is serviceable. Backyard slopes toward wooded boundary — no visible standing water or erosion in photos but slope should be checked for drainage. Steps to side appear unrailed in images (not clearly shown). No visible infestation, severe neglect or debris. Overall a functional, safe exterior with minor maintenance items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 66.7,
"rationale": "No obvious life-threatening hazards visible: ceilings intact, no standing water, no collapsed areas, windows appear adequate for bedroom egress, exterior entry looks secure. However critical NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarm(s) are not shown, GFCI protection at kitchen sink or bathrooms not visible, and interior handrails for any higher steps are not shown. Gas meter/regulator is present outside (so CO requirement likely applies). Electrical meter and service appear intact; no exposed live wiring observed. Due to several required safety devices not visible in photos, moderate safety risk remains until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Roof, HVAC & major system condition",
"score": 71.7,
"rationale": "Exterior shows an intact asphalt shingle roof with no visible sagging or obvious failure. Outdoor HVAC condenser is present (indicating central heat/AC likely), and exterior utilities (electric/gas meters) look intact and accessible. Interior plumbing fixtures appear functional (double kitchen sink) and a separate laundry room is listed and shown. Water heater and electrical panel are not photographed so their condition is assumed serviceable based on overall appearance. Moderate score reflects some unseen major-system items that must be verified on inspection (water heater age, panel labeling, HVAC operation)."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Photographs are recent and accurately represent current condition.",
"Kitchen appliances (stove, refrigerator, dishwasher) pictured are included and operational.",
"Central HVAC is present and functional (outdoor condenser visible); furnace/water heater not pictured but assumed operational unless inspection indicates otherwise.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and therefore may be missing or need replacement — these must be confirmed/installed to meet NSPIRE.",
"Electrical panel exists and is serviceable though not shown; no visible exposed live wiring in photos.",
"Bedroom windows are assumed to meet egress size based on visible dimensions in photos, but measurements are required to confirm compliance.",
"No major hidden damage (roof leaks, foundation movement, mold) unless found during a physical inspection; exterior and interior conditions suggest none obvious."
],
"score_method": "mean_of_criteria",
"overall_score": 73.5,
"rubric_version": "2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7473165433"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.