Property ID: 7562120856
1601 31st Street Ensley, Birmingham, AL, 35208
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$5,196
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$129,900
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 68.40%
Confidence: 88.00%
This 1930 single-family home presents as structurally intact and cosmetically improved with original hardwoods, functioning stair/guardrails, an intact exterior brick envelope, and visible duct/vent distribution. Major issues visible in photos are ceiling finish staining (possible water intrusion), general cosmetic wear, and lack of photographic evidence for smoke/CO detectors, GFCI protections, appliances, and mechanical equipment. With targeted fixes—confirm/repair any active leaks, install/verify smoke and CO detectors, confirm/repair electrical GFCI and panel items as needed, and provide/verify functioning stove/refrigerator and HVAC/water heater—this property is likely rent-ready within 2–6 weeks for an initial HCV/NSPIRE inspection.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
4
Baths
2.5
Living Area
2,674 sqft
Lot Size
14,810 sqft
Year Built
1930
Days on Market
31
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Tons of space in this oversized 4 bedroom & 2.5 bathroom home. Large foyer entryway with original hardwoods throughout. Front living room with decorative fireplace. Sunroom with lots of natural light to your left. Large den with French doors to the back deck. Dining room just off of kitchen with updated cabinets & counter tops. Convienent powder room on the main level. Upstairs features 4 large bedrooms with 2 full bathrooms that have been updated. One bath features a tub/shower combo & the other bathroom features a separate tiled shower. Out back has a great open deck for grilling & over looks a flat back yard. Driveway parking for multiple cars.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,253
DP3 Annual Estimate$1,713
DP1 Monthly Equivalent$104
DP3 Monthly Equivalent$143
Replacement Value$168,400
Basis2,674 sqft / 1930
Nearby Houses
Photo unavailable
1611 31st Street Ensley
sold · 0.01 mi
Price: $90,000
4 bd / 1 ba · 1,710 sqft
Latest sale: $90,000
Latest rent: —
Photo unavailable
1621 31st Street Ensley
sold · 0.04 mi
Price: $100,000
3 bd / 1 ba · 1,248 sqft
Latest sale: $100,000
Latest rent: —
Photo unavailable
1624 31st Street Ensley
sold · 0.06 mi
Price: $98,900
3 bd / 1 ba · 1,154 sqft
Latest sale: $98,900
Latest rent: —
Photo unavailable
1633 31st Street Ensley
off_market · 0.07 mi
Price: $995
3 bd / 2 ba · 1,284 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1605 32nd Street Ensley
sold · 0.07 mi
Price: $16,500
2 bd / 1 ba · 816 sqft
Latest sale: $16,500
Latest rent: —
Photo unavailable
1609 30th Street Ensley
sold · 0.07 mi
Price: $42,000
3 bd / 1 ba · 1,001 sqft
Latest sale: $42,000
Latest rent: —
Photo unavailable
1541 30th Street Ensley
sold · 0.08 mi
Price: $5,999
3 bd / 1 ba · 928 sqft
Latest sale: $5,999
Latest rent: —
Photo unavailable
1632 31st Street Ensley
sold · 0.08 mi
Price: $61,000
3 bd / 1 ba · 1,052 sqft
Latest sale: $61,000
Latest rent: —
Photo unavailable
1621 30th Street Ensley
sold · 0.08 mi
Price: $49,500
3 bd / 1 ba · 1,071 sqft
Latest sale: $49,500
Latest rent: —
Photo unavailable
1537 32nd Street Ensley
sold · 0.08 mi
Price: $83,000
3 bd / 1 ba · 1,391 sqft
Latest sale: $83,000
Latest rent: —
Photo unavailable
1625 30th Street Ensley
sold · 0.09 mi
Price: $136,500
3 bd / 2 ba · 1,531 sqft
Latest sale: $136,500
Latest rent: —
Photo unavailable
1636 31st Street Ensley
sold · 0.09 mi
Price: $65,000
3 bd / 1 ba · 1,018 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
1514 31st Street Ensley
sold · 0.09 mi
Price: $90,000
4 bd / 1 ba · 1,600 sqft
Latest sale: $90,000
Latest rent: —
Photo unavailable
1529 30th St N
off_market · 0.09 mi
Price: $1,023
2 bd / 1 ba · 843 sqft
Latest sale: $7,237,964
Latest rent: —
Photo unavailable
1525 32nd Street Ensley
sold · 0.10 mi
Price: $80,000
2 bd / 1 ba · 1,212 sqft
Latest sale: $80,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Ceiling staining and finish damage in multiple rooms — possible active roof or plumbing leak (active leak risk).
- No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE required).
- Kitchen appliances (stove/fridge) not shown — possible missing appliances which can delay Section 8 move-in.
- No photographic evidence of electrical panel or GFCI protection in kitchen/bath — risk of electrical code failures on inspection.
- Potential lead-based paint risk (house built 1930) with some visible chipping paint on window sills/frames.
Assumptions
- Central HVAC is present and connected because floor registers/vents are visible, but functionality has not been verified.
- Kitchen and bathrooms have been updated per listing text, however photos do not show appliances; assume appliances may be missing or not staged for photos.
- Windows appear intact and operable in photos, but bedroom egress compliance (sill heights, opening size) is unverified and assumed typical for a 1930-era home.
- No electrical panel, water heater, or furnace photos were provided; their condition is unknown and assumed serviceable unless inspection shows otherwise.
- Paint is assumed to be intact overall but chipping on window sills suggests a potential lead-paint risk given 1930 construction; lead testing would be required to confirm.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,649 | $182,700 | $36,540 |
| 2023 | $2,649 | $182,700 | $36,540 |
| 2022 | $1,957 | $135,000 | $27,000 |
| 2021 | $1,957 | $135,000 | $27,000 |
| 2020 | $1,957 | $135,000 | $27,000 |
| 2019 | $1,957 | $135,000 | $27,000 |
| 2018 | $1,702 | $117,400 | $23,480 |
| 2017 | $1,702 | $117,400 | $23,480 |
| 2013 | $1,612 | $115,500 | $11,560 |
| 2012 | $1,487 | $105,930 | $21,186 |
| 2011 | $1,510 | $107,600 | $21,520 |
| 2010 | $1,641 | $117,000 | $23,400 |
| 2009 | $1,542 | $109,900 | $21,980 |
| 2008 | $1,578 | $112,500 | $22,500 |
| 2007 | $1,559 | $111,100 | $22,220 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-16 | Listed | $129,900 |
| 2025-11-06 | Listing removed | $0 |
| 2025-05-05 | Price Changed | $134,000 |
| 2025-03-12 | Price Changed | $139,000 |
| 2025-02-24 | Price Changed | $148,000 |
| 2025-01-20 | Listed | $157,000 |
| 2018-10-10 | Listing removed | $900 |
| 2018-04-20 | Listing removed | $900 |
| 2018-03-28 | Listed for rent | $900 |
| 1992-04-10 | Sold | $49,000 |
Photo Gallery
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"building": 91500
},
"assessment": {
"land": 5100,
"total": 23400,
"building": 18300
}
},
{
"tax": 1542,
"year": 2009,
"market": {
"land": 18400,
"total": 109900,
"building": 91500
},
"assessment": {
"land": 3680,
"total": 21980,
"building": 18300
}
},
{
"tax": 1578,
"year": 2008,
"market": {
"land": 18400,
"total": 112500,
"building": 94100
},
"assessment": {
"land": 3680,
"total": 22500,
"building": 18820
}
},
{
"tax": 1559,
"year": 2007,
"market": {
"land": 18400,
"total": 111100,
"building": 92700
},
"assessment": {
"land": 3680,
"total": 22220,
"building": 18540
}
}
],
"property_history": [
{
"date": "2026-01-16",
"price": 129900,
"listing": {
"status": "for_sale",
"list_date": "2026-01-16T15:09:35Z",
"list_price": 129900,
"listing_id": "2990359021",
"last_update_date": "2026-02-16T02:04:45Z",
"last_status_change_date": "2026-01-16T15:09:35Z"
},
"event_name": "Listed",
"price_sqft": 48.578908002991774,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
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{
"date": "2025-11-06",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-01-20T20:51:30Z",
"list_price": 134000,
"listing_id": "2977429585",
"last_update_date": "2025-05-05T17:53:40Z",
"last_status_change_date": "2025-11-06T07:54:33Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "290 days",
"source_listing_id": "21407179",
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{
"date": "2025-05-05",
"price": 134000,
"listing": {
"status": "off_market",
"list_date": "2025-01-20T20:51:30Z",
"list_price": 134000,
"listing_id": "2977429585",
"last_update_date": "2025-05-05T17:53:40Z",
"last_status_change_date": "2025-11-06T07:54:33Z"
},
"event_name": "Price Changed",
"price_sqft": 47.857142857142854,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21407179",
"price_change_percentage": null
},
{
"date": "2025-03-12",
"price": 139000,
"listing": {
"status": "off_market",
"list_date": "2025-01-20T20:51:30Z",
"list_price": 134000,
"listing_id": "2977429585",
"last_update_date": "2025-05-05T17:53:40Z",
"last_status_change_date": "2025-11-06T07:54:33Z"
},
"event_name": "Price Changed",
"price_sqft": 49.642857142857146,
"source_name": "GreaterAlabamaMLS",
"price_change": -9000,
"days_after_listed": null,
"source_listing_id": "21407179",
"price_change_percentage": null
},
{
"date": "2025-02-24",
"price": 148000,
"listing": {
"status": "off_market",
"list_date": "2025-01-20T20:51:30Z",
"list_price": 134000,
"listing_id": "2977429585",
"last_update_date": "2025-05-05T17:53:40Z",
"last_status_change_date": "2025-11-06T07:54:33Z"
},
"event_name": "Price Changed",
"price_sqft": 52.857142857142854,
"source_name": "GreaterAlabamaMLS",
"price_change": -9000,
"days_after_listed": null,
"source_listing_id": "21407179",
"price_change_percentage": null
},
{
"date": "2025-01-20",
"price": 157000,
"listing": {
"status": "off_market",
"list_date": "2025-01-20T20:51:30Z",
"list_price": 134000,
"listing_id": "2977429585",
"last_update_date": "2025-05-05T17:53:40Z",
"last_status_change_date": "2025-11-06T07:54:33Z"
},
"event_name": "Listed",
"price_sqft": 56.07142857142857,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21407179",
"price_change_percentage": "+220.41%"
},
{
"date": "2018-10-10",
"price": 900,
"listing": {
"status": "off_market",
"list_date": "2018-10-10T08:32:58Z",
"list_price": 900,
"listing_id": "631182771",
"last_update_date": "2018-04-24T23:46:00Z",
"last_status_change_date": "2018-10-10T08:32:58Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "811458",
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},
{
"date": "2018-04-20",
"price": 900,
"listing": {
"status": "off_market",
"list_date": "2018-10-10T08:32:58Z",
"list_price": 900,
"listing_id": "631182771",
"last_update_date": "2018-04-24T23:46:00Z",
"last_status_change_date": "2018-10-10T08:32:58Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "811458",
"price_change_percentage": null
},
{
"date": "2018-03-28",
"price": 900,
"listing": {
"status": "off_market",
"list_date": "2018-10-10T08:32:58Z",
"list_price": 900,
"listing_id": "631182771",
"last_update_date": "2018-04-24T23:46:00Z",
"last_status_change_date": "2018-10-10T08:32:58Z"
},
"event_name": "Listed for rent",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "811458",
"price_change_percentage": null
},
{
"date": "1992-04-10",
"price": 49000,
"listing": null,
"event_name": "Sold",
"price_sqft": 18.32460732984293,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7562120856",
"generated_at": "2026-02-16T02:24:38.162866Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.4
},
"section8_assessment": {
"runs": [
{
"summary": "This 1930 single-family home presents as structurally intact and cosmetically improved with original hardwoods, functioning stair/guardrails, an intact exterior brick envelope, and visible duct/vent distribution. Major issues visible in photos are ceiling finish staining (possible water intrusion), general cosmetic wear, and lack of photographic evidence for smoke/CO detectors, GFCI protections, appliances, and mechanical equipment. With targeted fixes—confirm/repair any active leaks, install/verify smoke and CO detectors, confirm/repair electrical GFCI and panel items as needed, and provide/verify functioning stove/refrigerator and HVAC/water heater—this property is likely rent-ready within 2–6 weeks for an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior shows generally sound historic finishes and original hardwoods but several cosmetic and deferred items are visible: painted hardwood floors with wear/patches, ceiling finish irregularities and staining in multiple rooms, scuffed baseboards, and painted-over fireplaces. Kitchen and bathrooms are described as updated but not shown; appliances are not visible in photos (possible missing stove/fridge). These are mostly cosmetic/medium-effort repairs and replacements rather than structural failures, so score is moderately high but reduced for the ceiling issues and unknown appliances."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 60.0,
"rationale": "No smoke detectors or CO alarms are visible in the photos (NSPIRE requirement). Stair railings and guardrails appear present and in-place. No exposed wiring or obvious collapsed ceilings were seen. GFCI protection in kitchen/baths cannot be confirmed from photos. Ceiling staining could indicate active water intrusion which is a safety/health risk if ongoing. Window egress for bedrooms not verified. The combination of missing visible detectors, uncertain GFCI, and possible water intrusion reduces the safety score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Floor vents are visible, indicating a central HVAC distribution system is likely present, but no mechanical equipment (furnace/AC unit, water heater, or electrical panel) is shown or confirmed operational. Roof and chimney appear intact externally in photos with no obvious collapse, but ceiling staining in interior rooms suggests past or current roof or plumbing leaks that should be investigated. Plumbing fixtures and hot water availability are not shown. Electrical service condition and panel location are not provided. Systems appear likely intact but unverified, so score is modest."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior brick has been painted and looks intact with a sound roofline and chimney. Front steps and handrails are present and driveway parking is available. Yard is flat and appears usable. There are some minor sidewalk cracks and leaf/debris accumulation; no obvious major foundation movement or collapsed exterior elements visible. Overall exterior condition is good but not perfect."
}
],
"red_flags": [
"Ceiling staining and finish damage in multiple rooms — possible active roof or plumbing leak (active leak risk).",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE required).",
"Kitchen appliances (stove/fridge) not shown — possible missing appliances which can delay Section 8 move-in.",
"No photographic evidence of electrical panel or GFCI protection in kitchen/bath — risk of electrical code failures on inspection.",
"Potential lead-based paint risk (house built 1930) with some visible chipping paint on window sills/frames."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC is present and connected because floor registers/vents are visible, but functionality has not been verified.",
"Kitchen and bathrooms have been updated per listing text, however photos do not show appliances; assume appliances may be missing or not staged for photos.",
"Windows appear intact and operable in photos, but bedroom egress compliance (sill heights, opening size) is unverified and assumed typical for a 1930-era home.",
"No electrical panel, water heater, or furnace photos were provided; their condition is unknown and assumed serviceable unless inspection shows otherwise.",
"Paint is assumed to be intact overall but chipping on window sills suggests a potential lead-paint risk given 1930 construction; lead testing would be required to confirm."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 1930-era single-family home appears largely sound and would likely pass an initial HCV/NSPIRE inspection after a short list of targeted fixes. Primary needs before a voucher inspection: install/verify smoke and CO detectors, install GFCI protection in required locations, investigate and repair ceiling staining/water intrusion, confirm operation of HVAC, water heater and electrical panel, and complete minor cosmetic/finish work. No catastrophic structural issues are visible in photos; property looks rent-ready after 1–3 weeks of focused repairs and system verifications.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "House appears structurally intact with recently painted exterior and interior; original hardwood floors present though painted and showing wear. Cosmetic repairs and finish work needed (floor refinishing/paint touch-ups, trim, potential fireplace restoration). No major visible damage to walls or floors. Missing appliances not visible in photos (kitchen not shown) — treated as moderate issue only. Overall condition indicates mostly cosmetic/finish work rather than major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 65.0,
"rationale": "Interior shows functioning stairs and guardrail present; entry door appears secure. However there are no visible smoke detectors or CO detectors in photos (required by NSPIRE) and no clear evidence of GFCI protection at outlets in wet areas. Ceiling panels show staining/irregularities in several rooms suggesting past or possible ongoing water intrusion which is an inspection risk. Windows are original-style; bedroom egress likely adequate but not individually confirmed. No exposed wiring or collapsed ceilings observed. Overall some safety-code items likely need quick remediation (detectors, GFCI, verify egress, investigate ceiling stains)."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 70.0,
"rationale": "Floor registers and vents visible indicating a central HVAC/forced-air distribution system likely present; condition of HVAC equipment, water heater and electrical panel not shown. Roof appears intact in exterior photos with chimney present; no sagging rooflines visible. Plumbing fixtures/bathrooms described as updated in listing but not pictured in detail; hot water unknown but assumed operable. Because key equipment (furnace/AC, water heater, electrical panel) are not visible, score reflects probable functionality based on vents and updated baths but flags the need for verification and service/CO/efficiency checks."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 78.0,
"rationale": "Exterior brick façade looks recently painted and in good repair; rooflines straight with no visible major failures. Front steps and handrails present though concrete walkway has visible cracking. Yard is level and flat with driveway parking available. Gutters/downspouts appear present. No visible standing water, major foundation cracks, or exterior structural distress in photos. Minor site cleanup and walkway repair recommended."
}
],
"red_flags": [
"Missing or not-visible smoke and carbon monoxide detectors (NSPIRE requires these) — likely fail until installed/verified",
"Evidence of ceiling staining/patching in multiple rooms suggesting past or possible active water intrusion (requires investigation/repair)",
"Potential electrical safety issues: no visible GFCI outlets in wet-area photos and older home construction increases risk of outdated wiring (requires verification)"
],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC exists and is connected (inferred from floor vents); system operation not directly shown.",
"Bathrooms and kitchen have functioning plumbing and hot water (listing states bathrooms updated; appliances not pictured).",
"Bedrooms have code-compliant egress windows given large window openings visible in multiple rooms.",
"No active structural movement or foundation failure present beyond what is visible in photos (no sagging or major cracks seen).",
"Missing items not shown in photos (smoke/CO detectors, GFCI outlets, HVAC and water heater) are treated as unknown and reduce safety/system scores rather than immediate automatic fails."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE_v1_2026-02-16"
},
{
"summary": "Overall this 1930 single-family home appears structurally intact and cosmetically refreshed, with mostly minor to moderate items remaining to confirm for NSPIRE compliance. Visible issues are primarily cosmetic (floors, trim, ceiling patches) and lack of visible appliances and safety devices (smoke/CO alarms) are the main inspection risks. Mechanical systems and kitchen/bath functionality are uncertain from the photos and should be verified. Likely rent-ready within ~30 days after adding/confirming smoke & CO detectors, installing/confirming kitchen appliances, confirming HVAC/hot water/electrical panel operation, and addressing minor ceiling/trim repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior and exterior are generally intact with recent cosmetic work (painted brick, painted floors, fresh-looking trim). Visible issues are mostly cosmetic: scuffed/painted hardwood floors, patched/uneven ceilings, minor trim damage and a cracked concrete walk at the front. Kitchen photos are absent and appliances are not visible — listing claims updated cabinets/counters but missing visible stove/fridge in photos; missing appliances reduce score moderately. No evidence of collapsed finishes or exposed structural elements. Overall appearance indicates maintenance and cosmetic refresh remain, but no large-scale deferred maintenance visible."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "No immediate life-threatening hazards are visible (no collapsed ceilings, no standing water, stairs have handrails). However several NSPIRE-required items are not visible or are uncertain: smoke detectors and CO alarms are not seen in the photos; GFCI protection in kitchens/baths is not shown; kitchen and bathrooms are not pictured so plumbing/fixtures and hot water cannot be confirmed. Windows are older wooden sash (house built 1930) — likely single-pane and potential lead-paint risk exists (pre-1978). There is ceiling discoloration/uneven texture in some rooms that suggests prior water intrusion; no active leak is visible. No exposed wiring or open electrical hazards observed in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Floor registers and vents are visible indicating a forced-air system is present; however HVAC equipment, water heater, and electrical panel are not shown so operability cannot be confirmed. Roof visible from photos appears intact with no sagging or missing large areas of shingles; chimney looks intact. No visible plumbing failures or major drainage issues in photos. Given lack of photographic verification of equipment and the age of the house (1930), mechanical systems are an uncertainty and should be verified; assumed functional but not confirmed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior brickwork (painted) appears sound with no visible major cracks or foundation settlement in provided views. Front stair railings are present; driveway parking and a flat backyard are described and appear usable. Concrete walkway has a visible crack and could be a minor trip hazard. Deck is mentioned in listing but not photographed in detail; condition unknown. Yard shows leaf/debris cleanup needed but no signs of standing water or erosion in images."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Smoke detectors and CO alarms are not visible in photos; assume they are not installed or not located as required until confirmed.",
"HVAC exists and is forced air (inferred from floor registers) but operability and age are unknown.",
"Water heater and electrical panel are present but not shown; their condition is unknown.",
"Listing statement that bathrooms and kitchen are 'updated' is accepted but kitchen/bath fixtures and GFCI protection cannot be verified from photos.",
"Windows are original/older wooden sash (likely single-pane); assume potential lead-paint risk due to 1930 construction unless testing documented.",
"No active roof leaks, foundation movement, or major structural sagging are visible; assume none present but recommend on-site verification.",
"Deck and rear-site features referenced in the listing are assumed present but their condition is unknown from provided photos."
],
"overall_score": 66.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1601 31st Street Ensley, Birmingham, AL, 35208",
"aggregate": {
"summary": "This 1930 single-family home presents as structurally intact and cosmetically improved with original hardwoods, functioning stair/guardrails, an intact exterior brick envelope, and visible duct/vent distribution. Major issues visible in photos are ceiling finish staining (possible water intrusion), general cosmetic wear, and lack of photographic evidence for smoke/CO detectors, GFCI protections, appliances, and mechanical equipment. With targeted fixes—confirm/repair any active leaks, install/verify smoke and CO detectors, confirm/repair electrical GFCI and panel items as needed, and provide/verify functioning stove/refrigerator and HVAC/water heater—this property is likely rent-ready within 2–6 weeks for an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior shows generally sound historic finishes and original hardwoods but several cosmetic and deferred items are visible: painted hardwood floors with wear/patches, ceiling finish irregularities and staining in multiple rooms, scuffed baseboards, and painted-over fireplaces. Kitchen and bathrooms are described as updated but not shown; appliances are not visible in photos (possible missing stove/fridge). These are mostly cosmetic/medium-effort repairs and replacements rather than structural failures, so score is moderately high but reduced for the ceiling issues and unknown appliances."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 77.0,
"rationale": "Exterior brick has been painted and looks intact with a sound roofline and chimney. Front steps and handrails are present and driveway parking is available. Yard is flat and appears usable. There are some minor sidewalk cracks and leaf/debris accumulation; no obvious major foundation movement or collapsed exterior elements visible. Overall exterior condition is good but not perfect."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 61.7,
"rationale": "No smoke detectors or CO alarms are visible in the photos (NSPIRE requirement). Stair railings and guardrails appear present and in-place. No exposed wiring or obvious collapsed ceilings were seen. GFCI protection in kitchen/baths cannot be confirmed from photos. Ceiling staining could indicate active water intrusion which is a safety/health risk if ongoing. Window egress for bedrooms not verified. The combination of missing visible detectors, uncertain GFCI, and possible water intrusion reduces the safety score."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 65.0,
"rationale": "Floor vents are visible, indicating a central HVAC distribution system is likely present, but no mechanical equipment (furnace/AC unit, water heater, or electrical panel) is shown or confirmed operational. Roof and chimney appear intact externally in photos with no obvious collapse, but ceiling staining in interior rooms suggests past or current roof or plumbing leaks that should be investigated. Plumbing fixtures and hot water availability are not shown. Electrical service condition and panel location are not provided. Systems appear likely intact but unverified, so score is modest."
}
],
"red_flags": [
"Ceiling staining and finish damage in multiple rooms — possible active roof or plumbing leak (active leak risk).",
"No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE required).",
"Kitchen appliances (stove/fridge) not shown — possible missing appliances which can delay Section 8 move-in.",
"No photographic evidence of electrical panel or GFCI protection in kitchen/bath — risk of electrical code failures on inspection.",
"Potential lead-based paint risk (house built 1930) with some visible chipping paint on window sills/frames."
],
"confidence": 0.88,
"assumptions": [
"Central HVAC is present and connected because floor registers/vents are visible, but functionality has not been verified.",
"Kitchen and bathrooms have been updated per listing text, however photos do not show appliances; assume appliances may be missing or not staged for photos.",
"Windows appear intact and operable in photos, but bedroom egress compliance (sill heights, opening size) is unverified and assumed typical for a 1930-era home.",
"No electrical panel, water heater, or furnace photos were provided; their condition is unknown and assumed serviceable unless inspection shows otherwise.",
"Paint is assumed to be intact overall but chipping on window sills suggests a potential lead-paint risk given 1930 construction; lead testing would be required to confirm."
],
"score_method": "mean_of_criteria",
"overall_score": 68.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7562120856"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.