510 E Georgetown St, Crystal Springs, MS, 39059
Crystal Springs, MS
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 65.10%
Confidence: 95.00%
Overall the property appears structurally sound in photos with primarily cosmetic/finish repairs needed (kitchen cabinets, floor refinishing, porch step/handrail, minor trim). Main inspection risks are missing/uncertain life-safety devices (smoke and CO detectors), missing porch handrail, and unverified mechanicals (furnace/HW/electrical panel/GFCIs). With targeted corrections and system verifications (install smoke/CO alarms, add handrail, replace cabinet doors, verify HVAC and hot water operation, install any required GFCIs/cover plates), the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. If mechanicals are found non-operational or there are hidden issues, additional repairs could extend that timeline.
Property Fundamentals
Property Description
Your next home offers a great opportunity for buyers or investors looking for an affordable home in the heart of Crystal Springs. This property features a practical floor plan with comfortable living spaces and a layout suitable for a variety of needs. Located near local schools, shopping, and major roadways, it provides convenient access to everyday amenities. While the home may require some repairs or cosmetic updates, it offers strong potential for improvement, customization, or rental income. With its convenient location and attainable price point, this property is an excellent option for anyone seeking value and long-term potential in a growing community.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
View QuoteNearby Houses
502 E Georgetown St
605 E Georgetown St
102 Dampeer St
505 E Georgetown St
503 E Georgetown St
Risk and Criteria Detail
Red Flags
- success
- Missing/No visible smoke detectors and carbon monoxide detectors (life-safety requirement under NSPIRE).
- Front stoop/steps lack a handrail and show deterioration (unsafe entry point).
- Kitchen cabinets with multiple missing doors/drawers — functional but requires repair for tenant-ready condition.
- Mechanical systems (furnace, water heater, electrical panel, GFCI protection) are not shown — condition unverified and may produce inspection failures if non-functional.
Assumptions
- Central heating/cooling is present and operable or serviceable — inferred from visible floor registers and ceiling fans (no furnace/thermostat photo provided).
- Hot water heater and electrical panel exist on site though not shown in photos; their condition is unknown and assumed serviceable until inspected.
- Range/stove is present and assumed connected and safe (gas piping/connection not visible); refrigerator is not present in photos and would be considered missing appliance but not a safety failure.
- Bedrooms have required egress (windows visible in photos and appear full-size), assumed to meet local egress dimensions pending measurement.
- No active roof leaks or major foundation movement are present; small roof areas visible look intact and interior ceilings show no large sagging or wet stains, so structural failure is not assumed.
- No visible signs of severe mold, termite damage, or active infestation in supplied photos; however interior inspection is needed to confirm.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $983 | $85,670 | $8,567 |
| 2024 | $845 | $85,670 | $8,567 |
| 2023 | $855 | $73,410 | $7,341 |
| 2022 | $864 | $73,410 | $7,341 |
| 2021 | $663 | $58,140 | $5,814 |
| 2020 | $636 | $54,560 | $5,456 |
| 2019 | $644 | $54,560 | $5,456 |
| 2018 | $636 | $54,560 | $5,456 |
| 2017 | $610 | $54,560 | $5,456 |
| 2016 | $591 | $52,200 | $5,220 |
| 2015 | $598 | $52,200 | $5,220 |
| 2014 | $597 | $52,200 | $5,220 |
| 2013 | $581 | $52,200 | $5,220 |
| 2012 | $517 | $48,210 | $4,821 |
| 2011 | $498 | $48,210 | $4,821 |
| 2010 | $498 | $48,210 | $4,821 |
| 2009 | $471 | $48,210 | $4,821 |
| 2008 | $450 | $43,970 | $4,397 |
| 2007 | $463 | $43,970 | $4,397 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-10-29 | Sold | — |
| 2005-05-23 | Sold | — |
Photo Gallery
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"Year Built: 1900",
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"Levels: One",
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"Roof: Shingle",
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"tax": 855,
"year": 2023,
"market": {
"land": 8960,
"total": 73410,
"building": 64450
},
"assessment": {
"land": null,
"total": 7341,
"building": null
}
},
{
"tax": 864,
"year": 2022,
"market": {
"land": 8960,
"total": 73410,
"building": 64450
},
"assessment": {
"land": null,
"total": 7341,
"building": null
}
},
{
"tax": 663,
"year": 2021,
"market": {
"land": 8960,
"total": 58140,
"building": 49180
},
"assessment": {
"land": null,
"total": 5814,
"building": null
}
},
{
"tax": 636,
"year": 2020,
"market": {
"land": 8960,
"total": 54560,
"building": 45600
},
"assessment": {
"land": null,
"total": 5456,
"building": null
}
},
{
"tax": 644,
"year": 2019,
"market": {
"land": 8960,
"total": 54560,
"building": 45600
},
"assessment": {
"land": null,
"total": 5456,
"building": null
}
},
{
"tax": 636,
"year": 2018,
"market": {
"land": 8960,
"total": 54560,
"building": 45600
},
"assessment": {
"land": null,
"total": 5456,
"building": null
}
},
{
"tax": 610,
"year": 2017,
"market": {
"land": 8960,
"total": 54560,
"building": 45600
},
"assessment": {
"land": null,
"total": 5456,
"building": null
}
},
{
"tax": 591,
"year": 2016,
"market": {
"land": 8960,
"total": 52200,
"building": 43240
},
"assessment": {
"land": null,
"total": 5220,
"building": null
}
},
{
"tax": 598,
"year": 2015,
"market": {
"land": 8960,
"total": 52200,
"building": 43240
},
"assessment": {
"land": 896,
"total": 5220,
"building": 4324
}
},
{
"tax": 597,
"year": 2014,
"market": {
"land": 8960,
"total": 52200,
"building": 43240
},
"assessment": {
"land": 896,
"total": 5220,
"building": 4324
}
},
{
"tax": 581,
"year": 2013,
"market": {
"land": 8960,
"total": 52200,
"building": 43240
},
"assessment": {
"land": 896,
"total": 5220,
"building": 4324
}
},
{
"tax": 517,
"year": 2012,
"market": {
"land": 8960,
"total": 48210,
"building": 39250
},
"assessment": {
"land": 896,
"total": 4821,
"building": 3925
}
},
{
"tax": 498,
"year": 2011,
"market": {
"land": 8960,
"total": 48210,
"building": 39250
},
"assessment": {
"land": 896,
"total": 4821,
"building": 3925
}
},
{
"tax": 498,
"year": 2010,
"market": {
"land": 8960,
"total": 48210,
"building": 39250
},
"assessment": {
"land": 896,
"total": 4821,
"building": 3925
}
},
{
"tax": 471,
"year": 2009,
"market": {
"land": 8960,
"total": 48210,
"building": 39250
},
"assessment": {
"land": 896,
"total": 4821,
"building": 3925
}
},
{
"tax": 450,
"year": 2008,
"market": {
"land": 8960,
"total": 43970,
"building": 35010
},
"assessment": {
"land": null,
"total": 4397,
"building": null
}
},
{
"tax": 463,
"year": 2007,
"market": {
"land": 8960,
"total": 43970,
"building": 35010
},
"assessment": {
"land": null,
"total": 4397,
"building": null
}
}
],
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{
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{
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{
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{
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{
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{
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"last_status_change_date": "2021-10-27T17:31:22Z"
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"price_sqft": 86.30475015422579,
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"days_after_listed": "9 days",
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{
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"list_date": "2021-09-07T14:58:31Z",
"list_price": 139900,
"listing_id": "2933949450",
"last_update_date": "2021-09-16T02:41:20Z",
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"price_sqft": 86.30475015422579,
"source_name": "CentralMSMLS",
"price_change": 0,
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],
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},
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},
"property_id": "7502820808",
"generated_at": "2026-02-16T22:14:16.978706Z",
"initial_filter": {
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"reason": "disabled",
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},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 65.1
},
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"zip_code": "39059",
"home_photo": "https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m762311059s-w1280.jpg",
"rent_price": 1107.0,
"loan_amount": 61600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/510-E-Georgetown-St_Crystal-Springs_MS_39059_M75028-20808",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 77000.0,
"loan_term_years": 30,
"annual_cash_flow": 9647.61,
"mortgage_monthly": 409.83,
"payment_standard": 1400.0,
"total_amount_out": 15400.0,
"additional_photos": [
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m446544970s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m3703134076s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m641274012s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m2400625790s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m3197838866s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m700295831s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m1606732075s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m296240903s-w1280.jpg",
"https://ap.rdcpix.com/d35e8a36a940f00e40c49452d2939f12l-m3909085013s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 107.96,
"monthly_cash_flow": 803.97,
"property_tax_rate": 0.0077,
"_utility_allowance": {
"sources": [
"https://www.mrha6.org/wp-content/uploads/section_8_utility_allowances/Metro%20Single%20Family%20Detached.pdf",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-12-01"
},
"utility_allowances": [
{
"note": "Property has Central Air, which is electric. The schedule provides a fixed allowance for this.",
"utility": "Air Conditioning",
"allowance": 10
},
{
"note": "Kitchen photos show an electric stove, so the 'electric' option was selected from the schedule.",
"utility": "Cooking",
"allowance": 9
},
{
"note": "Property has Central Air, implying a central HVAC system. Natural Gas is assumed based on data from nearby properties and is the most common, economical option.",
"utility": "Heating",
"allowance": 17
},
{
"note": "This is a standard allowance for general electricity use (lights, outlets, etc.) for a home of this size.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "The property does not explicitly state it provides a microwave. This allowance is for a tenant-owned appliance.",
"utility": "Range/Microwave",
"allowance": 3
},
{
"note": "The property does not explicitly state it provides a refrigerator. This allowance is for a tenant-owned appliance.",
"utility": "Refrigerator",
"allowance": 4
},
{
"note": "The property details explicitly state 'Public Sewer'.",
"utility": "Sewer",
"allowance": 49
},
{
"note": "This is a standard allowance for municipal trash collection for a single-family home.",
"utility": "Trash Collection",
"allowance": 37
},
{
"note": "The property details explicitly state a 'Public' water source.",
"utility": "Water",
"allowance": 93
},
{
"note": "Consistent with the heating fuel assumption, Natural Gas is selected as the most likely and cost-effective option for water heating.",
"utility": "Water Heating",
"allowance": 15
}
],
"cash_on_cash_return": 0.63,
"down_payment_amount": 15400.0,
"property_tax_annual": 1012.49,
"property_tax_monthly": 84.37,
"property_tax_increase": 0.03,
"utility_allowance_total": 293.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.hudexchange.info/programs/housing-choice-voucher/",
"https://www.huduser.gov/portal/datasets/hcv.html",
"https://www.mrha6.org/section-8-current-participants/voucher-payment-standard-utility-allow/"
],
"effective_date": "2025-10-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 4729.69,
"property_management_monthly": 110.7,
"monthly_cash_flow_after_debt": 394.14,
"cash_on_cash_return_after_debt": 0.31
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears structurally sound in photos with primarily cosmetic/finish repairs needed (kitchen cabinets, floor refinishing, porch step/handrail, minor trim). Main inspection risks are missing/uncertain life-safety devices (smoke and CO detectors), missing porch handrail, and unverified mechanicals (furnace/HW/electrical panel/GFCIs). With targeted corrections and system verifications (install smoke/CO alarms, add handrail, replace cabinet doors, verify HVAC and hot water operation, install any required GFCIs/cover plates), the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. If mechanicals are found non-operational or there are hidden issues, additional repairs could extend that timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears largely intact with original wood floors in fair condition, freshly painted walls, functioning doors/windows and a working range present. Observable deferred items are cosmetic or finish-level: multiple cabinet doors/drawers missing in the kitchen, worn/uneven floor finish in places, some countertop/cabinet trim repairs, and porch step/stoop in need of repair. These are capital or cosmetic fixes and should be straightforward (cabinet doors, paint, minor carpentry). No evidence of collapsed ceilings or widespread rot visible in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 55.0,
"rationale": "Moderate inspection risk. Visible issues: the front steps have no handrail (unsafe for access), I did not observe smoke detectors or CO alarms in photos (NSPIRE requires properly located working smoke detectors and CO alarms where applicable). GFCI presence in kitchen/bath not visible. No exposed wiring seen; outlets appear present though some plate covers not clearly shown. Windows in bedrooms/living rooms appear adequate for egress. No active water intrusion or severe mold visible. Because smoke/CO detection and handrail are likely to be flagged, safety score is reduced to moderate risk until verified and corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Evidence of central HVAC/forced air is inferred from floor registers visible in living areas and ceiling fans; however no furnace/AHU, water heater, or electrical panel are shown. A gas/propane range is present and appears installed. Plumbing fixtures (bathroom vanity and toilet) are present. No visible signs of major system failure (no evident roof leaks, no collapsed ceilings), but mechanical systems cannot be confirmed from photos; therefore moderate score to reflect likely operability but need for verification/possible servicing and safety inspections (HVAC service, hot water, electrical panel check, GFCI)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation and siding appear intact; roofline looks reasonable from the single exterior photo (no obvious sag or large missing roof areas). Yard is maintained but overgrown near porch; front stoop shows wear and missing handrail. Walkway/steps need repair for safe access. No visible standing water or major foundation displacement in photos. Overall exterior needs minor repairs and cleanup, not structural replacement based on provided images."
}
],
"red_flags": [
"Missing/No visible smoke detectors and carbon monoxide detectors (life-safety requirement under NSPIRE).",
"Front stoop/steps lack a handrail and show deterioration (unsafe entry point).",
"Kitchen cabinets with multiple missing doors/drawers — functional but requires repair for tenant-ready condition.",
"Mechanical systems (furnace, water heater, electrical panel, GFCI protection) are not shown — condition unverified and may produce inspection failures if non-functional."
],
"confidence": 0.6,
"assumptions": [
"Central heating/cooling is present and operable or serviceable — inferred from visible floor registers and ceiling fans (no furnace/thermostat photo provided).",
"Hot water heater and electrical panel exist on site though not shown in photos; their condition is unknown and assumed serviceable until inspected.",
"Range/stove is present and assumed connected and safe (gas piping/connection not visible); refrigerator is not present in photos and would be considered missing appliance but not a safety failure.",
"Bedrooms have required egress (windows visible in photos and appear full-size), assumed to meet local egress dimensions pending measurement.",
"No active roof leaks or major foundation movement are present; small roof areas visible look intact and interior ceilings show no large sagging or wet stains, so structural failure is not assumed.",
"No visible signs of severe mold, termite damage, or active infestation in supplied photos; however interior inspection is needed to confirm."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 2-bed, 1-bath single-family appears structurally sound with largely cosmetic deferred maintenance. Major systems are likely present (floor vents/thermostat, installed range, bathroom fixtures) but need verification. Key inspection risks that should be corrected before a Section 8/NSPIRE inspection: install/prove working smoke and CO alarms, repair/replace the front entry steps and add a handrail, confirm GFCI protection in kitchen/bath and the safety of the cooking appliance connection, and provide evidence of operational HVAC and hot water. With these targeted fixes (and basic cleaning/finish work) the property is likely to pass an initial HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears generally intact with solid wood floors, painted walls, and intact trim. Visible deferred items are primarily cosmetic and lower-cost repairs: missing cabinet doors/ drawers in kitchen, some worn floor finish, and minor surface scuffs. Stainless range is present; refrigerator not shown. No obvious collapsed ceilings or exposed subflooring. Overall repair needs are minor-to-moderate and mostly cosmetic/finish work."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 55.0,
"rationale": "Photos show functioning windows for egress and no visible active leaks, severe mold, or collapsed ceilings. However there are several inspection risks: no smoke or CO detectors visible in photos (required), entry/porch stairs lack a handrail and the top step appears deteriorated (trip/fall hazard), GFCI presence in kitchen/bath not verified, and electrical panel/cover not shown. Combined unknowns (detectors, GFCI, panel) reduce the safety score to a moderate risk level."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Floor vents and a visible hallway thermostat suggest central HVAC/forced-air present but operational status not confirmed. Stove appears installed (likely gas) and bathroom fixtures present. Roof condition is not fully visible but exterior photo shows intact shingles and no visible sag. Water heater and electrical panel were not photographed. Given visible vents/thermostat and presence of appliances but lack of direct system photos, score reflects moderate confidence in systems with need for standard verification and possible service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation shows intact siding, windows, and roofline with an existing covered porch. Yard and walkways show light overgrowth and a deteriorated front step; no obvious foundation cracks or standing water in photos. The front entry step and lack of handrail are safety items to address but overall envelope appears serviceable."
}
],
"red_flags": [
"No visible smoke/CO detectors in interior photos (required for passing NSPIRE/Section 8).",
"Front entry/porch stairs are deteriorated and lack a handrail — unsafe stairs / trip/fall hazard.",
"Presence of unverified GFCI protection in kitchen and bathroom outlets (not shown) — potential electrical compliance issue.",
"Built 1900 — likely lead-based paint risk until lead-safe evaluation or remediation is completed."
],
"confidence": 0.65,
"assumptions": [
"No smoke or carbon monoxide detectors are present because none are visible in any interior photos; assume none installed or not compliant.",
"Central HVAC is present and connected because floor vents and a hallway thermostat are visible; actual operational status unknown and should be tested.",
"Water heater and electrical service/panel exist but were not photographed; assume typical connections for a home of this type but require verification.",
"Refrigerator is not shown in photos and likely not included; missing refrigerator reduces market readiness but is not a major safety failure.",
"No obvious active roof leaks or major foundation movement are present from the supplied photos; assume roof and foundation are serviceable unless inspection shows otherwise.",
"House built in 1900 — potential for lead-based paint exists and will require lead-risk considerations for leasing to families with young children."
],
"overall_score": 66.0,
"rubric_version": "1.0"
},
{
"summary": "This 2-bed, 1-bath single-family appears generally sound cosmetically and could be Section 8 ready with minor-to-moderate repairs. Major visible issues are missing kitchen cabinet doors/drawers, some cosmetic floor/ceiling staining, a damaged front porch step, and lack of visible smoke/CO detection and GFCI protection in photos. Mechanical systems appear present (floor registers and thermostat), but operation and age of HVAC, water heater and electrical panel need verification. With targeted work (install required detectors, repair porch step, restore cabinets, verify/repair electrical GFCI and plumbing, confirm HVAC/water heater), the property could pass an initial HCV/NSPIRE inspection within ~2–4 weeks depending on contractor availability.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior finishes are generally intact: painted walls, hardwood floors in good visible condition, functioning range and sink present. Kitchen has several missing cabinet doors/drawers and appears partially stripped; cosmetic work and cabinet repairs/replacement are required. Minor surface staining on some floors and small ceiling/paint blemishes visible. Missing refrigerator expected but not a catastrophic failure. Overall moderate cosmetic/finish work required but no widespread visible structural decay."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 58.0,
"rationale": "No smoke detectors or CO alarm are visible in photos (NSPIRE requires them). Egress windows appear present in bedrooms and living rooms. No obvious exposed live wiring or collapsed ceilings in photos, but an outlet/cover inconsistently shown and a loose cable on the floor increase risk of minor electrical issues. Fireplace appears intact but condition/venting not verified. Small ceiling discoloration in a hallway suggests prior water intrusion that should be checked. GFCI protection near kitchen sink is not clearly visible. These are inspection-risk items that are usually straightforward to remediate but could cause initial inspection failure if detectors/GFCI are absent."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical / Roof)",
"score": 65.0,
"rationale": "Visible floor registers and a wall thermostat indicate a central HVAC/forced-air system likely present, but operation/age unknown. Stainless range is installed (likely gas) and bathroom fixtures present; hot water equipment and water heater not pictured. Electrical panel not shown and outlet/GFCI presence unclear. Roof from the single exterior photo appears intact with no visible sagging, but only limited view available. Systems appear present but require verification and possible minor servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation shows an intact roofline and siding with paint wear; porch steps are cracked/deteriorated and present a trip hazard that should be repaired. Yard appears level without obvious standing water in photos. No visible major foundation cracking or structural settlement in provided images, but foundation and drainage were not inspected closely from photos."
}
],
"red_flags": [
"No visible smoke detectors or CO alarm in provided interior photos — inspection fail if absent.",
"Small ceiling discoloration/stain in hallway that could indicate past or active water intrusion — requires investigation.",
"Front porch step is damaged and creates a trip hazard that must be repaired.",
"Kitchen is missing multiple cabinet doors/drawers and refrigerator — decreases tenant readiness and may delay move-in if appliances not provided."
],
"confidence": 0.6,
"assumptions": [
"Central forced-air HVAC is present and functional or serviceable (inferred from visible floor registers and wall thermostat).",
"The pictured stainless range is installed and properly connected (likely gas); refrigerator is not present in photos and would need to be provided.",
"No active roof leak or major foundation movement exists beyond the small ceiling discoloration seen; that discoloration is treated as a potential past leak requiring inspection.",
"Smoke detectors and CO alarm are either missing or not visible in photos and must be confirmed/installed prior to inspection.",
"Electrical panel and water heater exist but their condition/age/function are unknown and require on-site verification.",
"Windows shown provide adequate bedroom egress based on visible size; dimensions were not measured.",
"No visible widespread mold, active standing water, collapsed ceilings, or obvious structural sagging were observed in photos.",
"Exterior drainage and crawlspace conditions were not visible; assume typical for neighborhood until inspected."
],
"overall_score": 66.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "510 E Georgetown St, Crystal Springs, MS, 39059",
"aggregate": {
"summary": "Overall the property appears structurally sound in photos with primarily cosmetic/finish repairs needed (kitchen cabinets, floor refinishing, porch step/handrail, minor trim). Main inspection risks are missing/uncertain life-safety devices (smoke and CO detectors), missing porch handrail, and unverified mechanicals (furnace/HW/electrical panel/GFCIs). With targeted corrections and system verifications (install smoke/CO alarms, add handrail, replace cabinet doors, verify HVAC and hot water operation, install any required GFCIs/cover plates), the home is likely to pass an initial HCV/NSPIRE inspection within 2–6 weeks. If mechanicals are found non-operational or there are hidden issues, additional repairs could extend that timeline.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.7,
"rationale": "Interior appears largely intact with original wood floors in fair condition, freshly painted walls, functioning doors/windows and a working range present. Observable deferred items are cosmetic or finish-level: multiple cabinet doors/drawers missing in the kitchen, worn/uneven floor finish in places, some countertop/cabinet trim repairs, and porch step/stoop in need of repair. These are capital or cosmetic fixes and should be straightforward (cabinet doors, paint, minor carpentry). No evidence of collapsed ceilings or widespread rot visible in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Front elevation and siding appear intact; roofline looks reasonable from the single exterior photo (no obvious sag or large missing roof areas). Yard is maintained but overgrown near porch; front stoop shows wear and missing handrail. Walkway/steps need repair for safe access. No visible standing water or major foundation displacement in photos. Overall exterior needs minor repairs and cleanup, not structural replacement based on provided images."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 56.0,
"rationale": "Moderate inspection risk. Visible issues: the front steps have no handrail (unsafe for access), I did not observe smoke detectors or CO alarms in photos (NSPIRE requires properly located working smoke detectors and CO alarms where applicable). GFCI presence in kitchen/bath not visible. No exposed wiring seen; outlets appear present though some plate covers not clearly shown. Windows in bedrooms/living rooms appear adequate for egress. No active water intrusion or severe mold visible. Because smoke/CO detection and handrail are likely to be flagged, safety score is reduced to moderate risk until verified and corrected."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 63.3,
"rationale": "Evidence of central HVAC/forced air is inferred from floor registers visible in living areas and ceiling fans; however no furnace/AHU, water heater, or electrical panel are shown. A gas/propane range is present and appears installed. Plumbing fixtures (bathroom vanity and toilet) are present. No visible signs of major system failure (no evident roof leaks, no collapsed ceilings), but mechanical systems cannot be confirmed from photos; therefore moderate score to reflect likely operability but need for verification/possible servicing and safety inspections (HVAC service, hot water, electrical panel check, GFCI)."
}
],
"red_flags": [
"Missing/No visible smoke detectors and carbon monoxide detectors (life-safety requirement under NSPIRE).",
"Front stoop/steps lack a handrail and show deterioration (unsafe entry point).",
"Kitchen cabinets with multiple missing doors/drawers — functional but requires repair for tenant-ready condition.",
"Mechanical systems (furnace, water heater, electrical panel, GFCI protection) are not shown — condition unverified and may produce inspection failures if non-functional."
],
"confidence": 0.95,
"assumptions": [
"Central heating/cooling is present and operable or serviceable — inferred from visible floor registers and ceiling fans (no furnace/thermostat photo provided).",
"Hot water heater and electrical panel exist on site though not shown in photos; their condition is unknown and assumed serviceable until inspected.",
"Range/stove is present and assumed connected and safe (gas piping/connection not visible); refrigerator is not present in photos and would be considered missing appliance but not a safety failure.",
"Bedrooms have required egress (windows visible in photos and appear full-size), assumed to meet local egress dimensions pending measurement.",
"No active roof leaks or major foundation movement are present; small roof areas visible look intact and interior ceilings show no large sagging or wet stains, so structural failure is not assumed.",
"No visible signs of severe mold, termite damage, or active infestation in supplied photos; however interior inspection is needed to confirm."
],
"score_method": "mean_of_criteria",
"overall_score": 65.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7502820808"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.