7659 Henry Ellen Rd, Leeds, AL, 35094
Leeds, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 66.60%
Confidence: 88.00%
This 4BR/2BA single-family appears largely rentable after a short scope of pre-inspection work. Interior finishes and major kitchen/bath upgrades look recently completed and appliances are present. The main inspection risks are the worn roof (curled shingles/possible eave sag), some unsecured exterior wiring, and an unprotected front porch step (no handrail/guard) that creates a trip/fall hazard. Addressing the porch handrail, securing exterior wiring, verifying/repairing the roof eaves, confirming presence/function of CO detector and GFCI protection, and performing a quick systems verification (HVAC, water heater, electrical panel) should make the property pass a Section 8/NSPIRE initial inspection. Expected time to rent-readiness: minor repairs 1–4 weeks; roof work could add time if a replacement is required.
Property Fundamentals
Property Description
Great 4BR/2BA home ready for its new owners. Recent upgrades include HVAC,Electrical,Plumbing,Flooring,Bathrooms and Kitchen. Set up your showing today!! Great house for a first time homebuyer or as a rental property.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Roof showing curled shingles and slight sag at porch eave — potential roof integrity issue/possible prior leaks.
- Loose/exposed exterior wiring/cable near gable/utility meter that should be secured/inspected.
- Front porch step lacks handrail and porch edge is unprotected — trip/fall hazard and likely NSPIRE observation.
- No visible carbon monoxide alarm (if fuel-burning appliances present) or documented GFCI protection at kitchen sink — potential inspection fail items if absent or nonfunctional.
- Electrical panel and water heater not photographed/verified; absence of visible documentation increases inspection risk until confirmed.
Assumptions
- Listing statement 'recent upgrades include HVAC, Electrical, Plumbing' is at least partially accurate and systems were updated within the last few years, although no exterior HVAC unit, electrical panel, or water heater photos were provided.
- Smoke detectors shown are functional and have working batteries; CO alarm not visible and is assumed absent unless provided elsewhere.
- Kitchen and bathroom fixtures pictured are operational (sink drains, toilets, stove, dishwasher, refrigerator) but no functional tests were performed.
- Windows in sleeping rooms provide required egress dimensions (not measured in photos).
- No active roof leak was photographed; ceiling blemishes are assumed cosmetic/previously repaired rather than active water intrusion unless further evidence found during inspection.
- Electrical panel condition, breaker labeling and GFCI functionality are unknown and assumed serviceable but require verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $904 | $76,300 | $15,260 |
| 2023 | $904 | $76,300 | $15,260 |
| 2022 | $862 | $72,700 | $14,540 |
| 2021 | $972 | $82,000 | $16,400 |
| 2020 | $972 | $82,000 | $16,400 |
| 2011 | $392 | $31,800 | $6,360 |
| 2010 | $392 | $31,800 | $6,360 |
| 2007 | $145 | $32,700 | $3,270 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-09-16 | Sold | $35,000 |
| 2020-10-20 | Sold | $30,000 |
| 2020-09-17 | Sold | $20,000 |
| 2019-09-10 | Sold | $5,193 |
Photo Gallery
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{
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{
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"allowance": 71
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{
"note": "This allowance covers general electricity for lighting and other tenant-supplied plug-in appliances. 'Alabama Power' is selected as the likely provider.",
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{
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{
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{
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"summary": "This 4BR/2BA single-family appears largely rentable after a short scope of pre-inspection work. Interior finishes and major kitchen/bath upgrades look recently completed and appliances are present. The main inspection risks are the worn roof (curled shingles/possible eave sag), some unsecured exterior wiring, and an unprotected front porch step (no handrail/guard) that creates a trip/fall hazard. Addressing the porch handrail, securing exterior wiring, verifying/repairing the roof eaves, confirming presence/function of CO detector and GFCI protection, and performing a quick systems verification (HVAC, water heater, electrical panel) should make the property pass a Section 8/NSPIRE initial inspection. Expected time to rent-readiness: minor repairs 1–4 weeks; roof work could add time if a replacement is required.",
"criteria": [
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"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior shows recent cosmetic updates: new-looking LVP flooring, renovated bathrooms, kitchen cabinets, counter surfaces and appliances present (stove, microwave, dishwasher, refrigerator). Walls have minor scuffs/patches and some ceiling blemishes that need painting/patch. Exterior paint/siding is weathered in places and front porch concrete has cracks and an unprotected step. Missing small cosmetic finishes (minor trim/paint) but no widespread deferred-interior maintenance. Overall items appear easy-to-fix or cosmetic; missing capital items are minimal because major appliances are present."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Photos show ceiling-mounted smoke detectors in living/bedrooms which is positive. Bathrooms have functioning fixtures and venting; kitchens show electrical outlets near counters. Visible safety concerns: front porch step lacks a handrail and the porch edge is exposed (trip/fall hazard), exterior roof edge shows curling shingles and a small sag at eave near porch which could indicate past water intrusion, and there is at least one loose exterior cable/wire near the gable/utility meter that should be secured/inspected. No carbon monoxide detector is visible (may be required if fuel-burning appliances are present). GFCI outlets at the sink are not clearly identified in photos. No obvious life-threatening hazards (no collapsed ceilings, standing water or major mold visible). These issues are borderline inspection risks that should be addressed pre-inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/electrical/plumbing/roof)",
"score": 60.0,
"rationale": "Listing states recent HVAC, electrical and plumbing upgrades; interior photos show vents and a modern-looking thermostat location but no exterior HVAC unit or water heater photos to confirm. Kitchen and baths appear plumbed and functional; appliances look operable. However, roof shingles are visibly worn/curling and there is a slight sag at the eaves over the porch which raises concern for roof integrity and possible past leaks. Electrical service and panel are not photographed; there is visible exterior wiring that needs securing. Given the combination of listed upgrades (assumed) and the visible roof/electrical exterior issues, systems score is moderate — likely serviceable but requiring verification and minor repairs."
},
{
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"score": 55.0,
"rationale": "Exterior siding and trim appear intact but weathered; paint and trim need touch-up. Roof shows curling shingles and some unevenness; gutters/downspouts not visible. Concrete driveway/porch surface has cracks and uneven edges; gravel parking area and close tree canopy may affect drainage and debris. There is no visible major foundation cracking in the photos but the home sits low to grade at the porch and yard appears sloped toward rear — potential drainage attention recommended. Landscaping and site upkeep are minimal but not catastrophic."
}
],
"red_flags": [
"Roof showing curled shingles and slight sag at porch eave — potential roof integrity issue/possible prior leaks.",
"Loose/exposed exterior wiring/cable near gable/utility meter that should be secured/inspected.",
"Front porch step lacks handrail and porch edge is unprotected — trip/fall hazard and likely NSPIRE observation.",
"No visible carbon monoxide alarm (if fuel-burning appliances present) or documented GFCI protection at kitchen sink — potential inspection fail items if absent or nonfunctional.",
"Electrical panel and water heater not photographed/verified; absence of visible documentation increases inspection risk until confirmed."
],
"confidence": 0.65,
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"Listing statement 'recent upgrades include HVAC, Electrical, Plumbing' is at least partially accurate and systems were updated within the last few years, although no exterior HVAC unit, electrical panel, or water heater photos were provided.",
"Smoke detectors shown are functional and have working batteries; CO alarm not visible and is assumed absent unless provided elsewhere.",
"Kitchen and bathroom fixtures pictured are operational (sink drains, toilets, stove, dishwasher, refrigerator) but no functional tests were performed.",
"Windows in sleeping rooms provide required egress dimensions (not measured in photos).",
"No active roof leak was photographed; ceiling blemishes are assumed cosmetic/previously repaired rather than active water intrusion unless further evidence found during inspection.",
"Electrical panel condition, breaker labeling and GFCI functionality are unknown and assumed serviceable but require verification."
],
"overall_score": 65.0,
"rubric_version": "2026-02-NSPIRE-v1"
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"summary": "Overall this 4BR/2BA house appears largely renovated inside and would likely pass an initial HCV/NSPIRE inspection after verification/fix of a few items. Interior renovations (floors, kitchen, baths) are in good condition and smoke detectors are present. Key items to verify and address before inspection: roof integrity (buckled shingles/edge), the exterior service wiring/connection, presence/operation of the electrical panel and hot water heater, and GFCI/CO alarm compliance. Exterior site repairs (driveway/porch concrete and minor siding/trim work) should be completed. Most issues are repairable capital items; only the roof and exterior electrical connection represent moderate inspection risk and should be prioritized.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic renovations: new-looking LVP flooring, updated kitchen cabinets, microwave, range and dishwasher, and remodeled bathrooms. Minor cosmetic issues observed: patched/stained ceiling areas, scuffed walls, some trim wear, and cracked concrete on the front step/drive approach. Exterior paint/siding appears weathered. Missing small finish items (outlet covers, minor trim) are likely. Overall the unit appears mostly renovated and functional; missing or worn exterior finishes and minor interior repairs reduce a perfect score but repairs are generally cosmetic or capital-only."
},
{
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"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "Hard positives: visible ceiling-mounted smoke detectors in multiple rooms; bathrooms show mechanical venting. Bedrooms appear to have windows for egress. No obvious plumbing leaks or visible mold in photos. Concerns: exterior roof edge shows buckled/aged shingles and possible separation at eave (potential leak risk), and a loose/looped service cable is visible at the front gable (requires electrician verification). No CO alarm is visible in photos (if fuel-burning appliances present, CO alarm required by many jurisdictions). GFCI protection at the kitchen sink is not clearly identifiable from photos and electrical panel was not shown. Entry door looks secure but deadbolt not visible in photos. These items are inspection risks that are likely fixable but need verification/repair by qualified trades."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof, Water)",
"score": 70.0,
"rationale": "Listing claims recent HVAC, electrical and plumbing upgrades and photos show HVAC registers and modern fixtures. Kitchen and baths look renovated and fixtures appear properly installed. No water heater or electrical panel was photographed so condition must be confirmed. Roof shingles and eave flashing show visual deterioration and some buckling near the porch which raises concern about roof integrity and remaining service life; interior ceilings do not show active major sagging or large stains, suggesting no active catastrophic leak. Overall systems likely serviceable but require verification (electric panel, hot water, roof repair) before inspection sign-off."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Exterior siding and paint is worn but intact. Driveway is gravel with cracked concrete at the approach; trip hazards and drainage near the foundation should be reviewed. Front porch concrete is cracked and lacks a visible guardrail (porch height appears modest but must be measured—guardrail required if drop/height meets code thresholds). Vegetation close to the structure and overall site finish look neglected. These are fixable but require attention to meet inspection/site-safety norms."
}
],
"red_flags": [
"Buckled / aged shingles and separation at the front eave — possible localized roof integrity issue that needs inspection/repair.",
"Loose/looped exterior electrical/service cable at front gable — electrical safety risk that requires electrician verification and securing.",
"No electrical panel, water heater, or CO alarm photographed — absence of documented evidence increases inspection risk and requires verification before inspection."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that HVAC, electrical and plumbing were recently upgraded is accurate and systems are operational unless otherwise noted in photos.",
"Smoke detectors shown are wired/operational; additional detectors may be required per local code but none were reported missing in photos.",
"A functioning water heater and an electrical service panel exist on site, but they were not photographed and their condition is unknown.",
"Bedrooms meet egress window requirements based on visible window sizes in photos (no direct measurements available).",
"Interior ceiling stains/patches are older repairs and not indicative of active roof leaks because no active water stains or sagging were observed internally.",
"The visible exterior wire near the front eave is a service/meter connection that is intact but cosmetically loose; it may require electrician attention.",
"No visible evidence of major foundation movement, structural sagging, collapsed ceilings, severe mold, or standing water in the provided photos."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 4BR/2BA house appears largely updated inside (floors, kitchens, baths, appliances present) and would likely pass many Section 8/HCV initial inspections after addressing a handful of safety and minor system issues. Primary concerns to address before inspection: repair/replace deteriorated roof shingles and investigate/repair any active leaks (ceiling stains indicate prior intrusion), install a secure deadbolt on the entry door, add a handrail at the front step, verify GFCI protection at kitchen and bathroom outlets, and confirm functioning HVAC, water heater and electrical panel. With those fixes (and a short punch-list of cosmetic touch-ups), the property should be rentable under NSPIRE standards within ~2–4 weeks; if roof requires replacement it could extend time-to-rent.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears recently updated: new-looking vinyl plank floors, renovated kitchens and bathrooms, appliances present. Visible cosmetic issues limited to scuffed walls, a few ceiling stains/patch spots, and a cracked concrete step at the front porch. Exterior paint/siding is weathered but intact. Missing porch handrail and some concrete/step repairs are needed. Missing appliances are not an issue here (fridge, stove, microwave, dishwasher visible). Overall mostly cosmetic and moderate deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "Smoke detectors are visible on interior ceilings. No exposed wiring or obvious electrical panel issues in photos; outlet and plate covers present. Bathrooms show finished tub/shower surrounds and ceiling vents. However: ceiling stains indicate past or potential water intrusion (possible roof issue), there is no visible deadbolt on the entry door in photos (security/lock risk for some PHAs), the front porch step lacks a handrail where a fall hazard exists, and some front windows appear older (egress capability not confirmed). GFCI presence at sink is not clearly identifiable in photos. These items create modest NSPIRE risk that should be corrected prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Listing states HVAC, electrical, and plumbing were recently upgraded; interior finishes (new light fixtures, modern appliances, updated baths) support that claim. Appliances and kitchen equipment are present. However, roof shingles appear aged/curling at the eaves in exterior photos and ceiling stains are visible inside, suggesting prior roof leaks or limited roof life remaining. Water heater, electrical panel, and exterior HVAC equipment were not photographed so their condition is assumed from the listing. Because roof condition is uncertain and system components are not fully shown, there is moderate systems risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 60.0,
"rationale": "Exterior siding is intact but weathered; property sits close to wooded area with trees nearby which increases roof/debris risk. Driveway is gravel and usable but has some cracking at concrete apron. Front porch concrete has a damaged step and no handrail. No visible standing water or major foundation cracks in photos. Roof shingle deterioration and proximity of trees are the primary exterior/site concerns."
}
],
"red_flags": [
"Roof shingles visibly deteriorated at eaves and signs of past water intrusion (ceiling stains) — roof repair or close inspection required.",
"Missing handrail at raised front porch/step (trip/fall hazard).",
"No visible deadbolt on exterior entry door (security/lock requirement for some PHAs).",
"GFCI protection at kitchen sink not clearly identifiable from photos (verify and install if missing).",
"Rental history missing (no recent rental events recorded) — no bonus for established rental track record."
],
"confidence": 0.7,
"assumptions": [
"Listing text is accurate: HVAC, electrical, and plumbing have been recently upgraded and are functioning unless photos contradict.",
"Appliances shown (range, fridge, microwave, dishwasher) are operable and will remain with the unit.",
"Water heater, electrical panel, and exterior HVAC condensing unit are present and operational though not pictured.",
"Ceiling stains indicate past water intrusion; no active leaking observed in photos but should be verified on-site.",
"Bedroom egress windows meet local sizing in most rooms, but exact compliance not confirmed from photos.",
"No evidence of severe pest infestation or active mold visible in provided photos.",
"Local PHA requirements may require a deadbolt; install one if required by the administering agency."
],
"overall_score": 65.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "7659 Henry Ellen Rd, Leeds, AL, 35094",
"aggregate": {
"summary": "This 4BR/2BA single-family appears largely rentable after a short scope of pre-inspection work. Interior finishes and major kitchen/bath upgrades look recently completed and appliances are present. The main inspection risks are the worn roof (curled shingles/possible eave sag), some unsecured exterior wiring, and an unprotected front porch step (no handrail/guard) that creates a trip/fall hazard. Addressing the porch handrail, securing exterior wiring, verifying/repairing the roof eaves, confirming presence/function of CO detector and GFCI protection, and performing a quick systems verification (HVAC, water heater, electrical panel) should make the property pass a Section 8/NSPIRE initial inspection. Expected time to rent-readiness: minor repairs 1–4 weeks; roof work could add time if a replacement is required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 73.3,
"rationale": "Interior shows recent cosmetic updates: new-looking LVP flooring, renovated bathrooms, kitchen cabinets, counter surfaces and appliances present (stove, microwave, dishwasher, refrigerator). Walls have minor scuffs/patches and some ceiling blemishes that need painting/patch. Exterior paint/siding is weathered in places and front porch concrete has cracks and an unprotected step. Missing small cosmetic finishes (minor trim/paint) but no widespread deferred-interior maintenance. Overall items appear easy-to-fix or cosmetic; missing capital items are minimal because major appliances are present."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site & access",
"score": 58.3,
"rationale": "Exterior siding and trim appear intact but weathered; paint and trim need touch-up. Roof shows curling shingles and some unevenness; gutters/downspouts not visible. Concrete driveway/porch surface has cracks and uneven edges; gravel parking area and close tree canopy may affect drainage and debris. There is no visible major foundation cracking in the photos but the home sits low to grade at the porch and yard appears sloped toward rear — potential drainage attention recommended. Landscaping and site upkeep are minimal but not catastrophic."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 66.7,
"rationale": "Photos show ceiling-mounted smoke detectors in living/bedrooms which is positive. Bathrooms have functioning fixtures and venting; kitchens show electrical outlets near counters. Visible safety concerns: front porch step lacks a handrail and the porch edge is exposed (trip/fall hazard), exterior roof edge shows curling shingles and a small sag at eave near porch which could indicate past water intrusion, and there is at least one loose exterior cable/wire near the gable/utility meter that should be secured/inspected. No carbon monoxide detector is visible (may be required if fuel-burning appliances are present). GFCI outlets at the sink are not clearly identified in photos. No obvious life-threatening hazards (no collapsed ceilings, standing water or major mold visible). These issues are borderline inspection risks that should be addressed pre-inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/electrical/plumbing/roof)",
"score": 63.3,
"rationale": "Listing states recent HVAC, electrical and plumbing upgrades; interior photos show vents and a modern-looking thermostat location but no exterior HVAC unit or water heater photos to confirm. Kitchen and baths appear plumbed and functional; appliances look operable. However, roof shingles are visibly worn/curling and there is a slight sag at the eaves over the porch which raises concern for roof integrity and possible past leaks. Electrical service and panel are not photographed; there is visible exterior wiring that needs securing. Given the combination of listed upgrades (assumed) and the visible roof/electrical exterior issues, systems score is moderate — likely serviceable but requiring verification and minor repairs."
}
],
"red_flags": [
"Roof showing curled shingles and slight sag at porch eave — potential roof integrity issue/possible prior leaks.",
"Loose/exposed exterior wiring/cable near gable/utility meter that should be secured/inspected.",
"Front porch step lacks handrail and porch edge is unprotected — trip/fall hazard and likely NSPIRE observation.",
"No visible carbon monoxide alarm (if fuel-burning appliances present) or documented GFCI protection at kitchen sink — potential inspection fail items if absent or nonfunctional.",
"Electrical panel and water heater not photographed/verified; absence of visible documentation increases inspection risk until confirmed."
],
"confidence": 0.88,
"assumptions": [
"Listing statement 'recent upgrades include HVAC, Electrical, Plumbing' is at least partially accurate and systems were updated within the last few years, although no exterior HVAC unit, electrical panel, or water heater photos were provided.",
"Smoke detectors shown are functional and have working batteries; CO alarm not visible and is assumed absent unless provided elsewhere.",
"Kitchen and bathroom fixtures pictured are operational (sink drains, toilets, stove, dishwasher, refrigerator) but no functional tests were performed.",
"Windows in sleeping rooms provide required egress dimensions (not measured in photos).",
"No active roof leak was photographed; ceiling blemishes are assumed cosmetic/previously repaired rather than active water intrusion unless further evidence found during inspection.",
"Electrical panel condition, breaker labeling and GFCI functionality are unknown and assumed serviceable but require verification."
],
"score_method": "mean_of_criteria",
"overall_score": 66.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7539357971"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.