1729 28th Street Ensley, Birmingham, AL, 35218
Birmingham, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 70.20%
Confidence: 90.00%
Overall this 3-bed/2-bath bungalow appears largely rent-ready with mostly cosmetic repairs and a few code-related items to address. Interiors look updated and clean; major systems appear present (central HVAC vents visible, functioning plumbing fixtures, no interior evidence of roof leaks or structural failure). Primary inspection risks are missing/uncertain smoke/CO detectors, lack of a front-porch handrail (possible stair safety citation), unknown location/condition of electrical panel and GFCI protection, and wear in kitchen cabinetry. These are repairable within 1–4 weeks in most cases; likely passable after minor fixes and verification of mechanical systems.
Property Fundamentals
Property Description
Welcome to this charming 3-bedroom, 2-bathroom home offering 1,295 square feet of comfortable, family-friendly living. Tucked away in a quiet, peaceful area, this property is perfect for anyone seeking a warm and inviting place to call home. Step inside to a well-designed layout that provides both functionality and comfort for everyday living. All three bedrooms offer ample space, while the two full bathrooms add convenience for families or guests. Enjoy relaxing mornings and evenings on the welcoming front porch, and make the most of the spacious backyard-ideal for kids, pets, entertaining, or simply unwinding outdoors. This home truly blends comfort, charm, and a family-oriented atmosphere in a serene setting. Don't miss your opportunity to make it yours!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requirement).
- Front porch steps appear to lack a handrail — potential safety/code citation if riser count/height triggers requirement.
Assumptions
- Central forced air HVAC is present and operational (inferred from ceiling supply/return vents).
- Water heater and electrical service/panel exist and are operational although not pictured.
- No active roof leaks or interior water intrusion exist (ceilings show no staining or sagging in photos).
- Bedrooms have compliant egress windows based on visible window sizes in photos.
- Refrigerator is not shown and may be absent; stove/oven is present (electric).
- No evidence of significant termite damage or hidden structural movement—photos show intact trim and floors without sag.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $289 | $49,700 | $4,980 |
| 2023 | $289 | $49,700 | $4,980 |
| 2022 | $209 | $38,500 | $3,860 |
| 2021 | $209 | $38,500 | $3,860 |
| 2020 | $558 | $38,500 | $7,700 |
| 2019 | $558 | $38,500 | $7,700 |
| 2018 | $517 | $35,700 | $7,140 |
| 2010 | $572 | $40,100 | $8,020 |
| 2007 | $544 | $38,100 | $7,620 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-03 | Price Changed | $107,000 |
| 2026-01-12 | Price Changed | $110,000 |
| 2025-11-19 | Listed | $120,000 |
| 2025-08-09 | Listing removed | $0 |
| 2025-08-06 | Listed | $125,000 |
Photo Gallery
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"Number of Fireplaces: 0",
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{
"note": "Property is listed as having a 'Connected' sewer. The allowance is a fixed value from the schedule based on the number of bedrooms.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "The property is in Birmingham. As Birmingham is not an explicit option, the 'Jefferson City (Once per week)' option was selected as the most appropriate for a property in Jefferson County.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance. Per the rules, the allowance for a tenant-owned microwave is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.42,
"down_payment_amount": 21400.0,
"property_tax_annual": 297.67,
"property_tax_monthly": 24.81,
"property_tax_increase": 0.03,
"utility_allowance_total": 515.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2067.54,
"property_management_monthly": 90.4,
"monthly_cash_flow_after_debt": 172.3,
"cash_on_cash_return_after_debt": 0.1
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this 3-bed/2-bath bungalow appears largely rent-ready with mostly cosmetic repairs and a few code-related items to address. Interiors look updated and clean; major systems appear present (central HVAC vents visible, functioning plumbing fixtures, no interior evidence of roof leaks or structural failure). Primary inspection risks are missing/uncertain smoke/CO detectors, lack of a front-porch handrail (possible stair safety citation), unknown location/condition of electrical panel and GFCI protection, and wear in kitchen cabinetry. These are repairable within 1–4 weeks in most cases; likely passable after minor fixes and verification of mechanical systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recent cosmetic updates (new-looking LVP flooring, fresh paint, renovated bathrooms) and generally clean, livable rooms. Kitchen cabinets and finishes show wear and cosmetic damage; cabinets/trim need repainting/repair. No fridge visible in photos (stove present) — missing refrigerator would be an easy-to-fix item but reduces turnkey readiness moderately. Minor exterior paint wear and driveway ruts observed. Overall repairs appear cosmetic and limited, not structural."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 65.0,
"rationale": "No visible smoke detectors or CO alarms in listed interior photos (required under NSPIRE); this is a commonly cited NSPIRE failure and will need installation. Bedrooms show windows that appear adequate for egress. No exposed high-voltage wiring or collapsed ceilings observed. Front porch steps appear to lack a handrail (possible trip/fall/handrail citation if stairs are 3+ risers). GFCI outlets and electrical panel not visible in photos; bathroom/toilet/vanity fixtures look functional but GFCI compliance for bathroom/outlet locations is uncertain. No visible active leaks, mold, or major trip hazards. Missing/uncertain detectors and possibly missing handrail are the main safety/code risks."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Ceiling supply/return vents are visible indicating central HVAC ducting and likely a working forced-air system, reducing heating/cooling failure risk. No furnace, water heater, or electrical service panel are pictured so their condition is assumed functional but unverified. Roof shows no visible sagging or active leaks in interior photos; exterior shingles appear aged but intact. Plumbing fixtures, toilets and showers appear recently renovated and functional. Because key components (water heater, electrical panel, furnace) are not shown, some system risk remains but no clear failures are visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Exterior envelope (siding and brick porch) appears intact with no visible foundation cracks or major structural distress. Paint is peeling/uneven in places and trim needs attention. Front porch steps lack a visible handrail and driveway surface shows deterioration/grass strips—both can be cited for safety/access. Yard appears usable and fenced area visible; drainage away from foundation not fully verifiable from photos but no standing water or erosion observed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requirement).",
"Front porch steps appear to lack a handrail — potential safety/code citation if riser count/height triggers requirement."
],
"confidence": 0.65,
"assumptions": [
"Central forced air HVAC is present and operational (inferred from ceiling supply/return vents).",
"Water heater and electrical service/panel exist and are operational although not pictured.",
"No active roof leaks or interior water intrusion exist (ceilings show no staining or sagging in photos).",
"Bedrooms have compliant egress windows based on visible window sizes in photos.",
"Refrigerator is not shown and may be absent; stove/oven is present (electric).",
"No evidence of significant termite damage or hidden structural movement—photos show intact trim and floors without sag."
],
"overall_score": 70.0,
"rubric_version": "2026-02-16_v1"
},
{
"summary": "This 3-bed/2-bath 1930 single-family home appears largely cosmetically updated and is likely to pass a Housing Choice Voucher/NSPIRE initial inspection after addressing a small set of code issues. Major systems appear present (central HVAC vents, functioning plumbing fixtures) and interior finishes look tenant-ready with only moderate cosmetic and appliance attention. The primary inspection risks are missing/unclear smoke and CO detectors and absence of visible GFCI protection in bathrooms/kitchen. With 1–3 targeted repairs (install detectors, add/confirm GFCI outlets, minor cabinet/trim repairs, address any driveway trip hazards) the property would likely be rent-ready within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: new-looking vinyl plank flooring in main living areas, refreshed paint, upgraded bathrooms and tile work. Kitchen cabinets show wear and cosmetic deterioration and may need repainting/repair. Appliances: electric range is present; refrigerator not shown (assume not included). Minor cosmetic trim/paint touch-ups and cabinet repairs likely. Overall only minor to moderate cosmetic work required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos (required by NSPIRE). Bathroom and kitchen photos do not show obvious GFCI outlets near wet locations; absence would be an NSPIRE/ local code fail. Bedroom windows appear to provide egress. No exposed wiring observed and outlet/cover plates mostly present. Entry doors appear to have locks; deadbolt evidence is unclear from photos. Because missing/unclear smoke/CO detectors and likely missing GFCI are inspection risks, score reduced to reflect potential code failures."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "Central HVAC appears present (ceiling vents visible) which suggests functioning heating/cooling, but the HVAC unit and water heater are not pictured for confirmation. Plumbing fixtures (sinks, toilets, showers) appear intact and updated. Electrical panel not shown. Roof appears intact from front elevation with no visible sagging or active leaks. Given visible vents and updated interior finishes, systems likely functional but lack of pictured mechanical equipment lowers certainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior appears maintained: painted siding and brick porch foundation in generally good condition. Front porch has low wall/columns; handrail not visible on steps (steps are shallow). Driveway is narrow with worn/torn concrete strips and some uneven areas (trip potential). Yard is usable and fence visible at side/rear. No obvious foundation cracks or standing water visible in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide detectors in photos (NSPIRE safety fail if absent).",
"No obvious GFCI outlets visible in kitchen or bathrooms (code/inspection risk).",
"Electrical panel and water heater not shown – mechanical systems documentation/verification required.",
"Driveway and walk approaches show uneven surfaces that could be trip hazards; exterior step handrail not evident."
],
"confidence": 0.7,
"assumptions": [
"Photos represent the full habitable areas and the condition shown is typical throughout the unit.",
"Central HVAC is present and operational based on visible ceiling vents and registers; condenser/furnace not pictured but presumed installed.",
"Hot water heater and electrical service are present and operational though not photographed.",
"No smoke detectors or CO alarms were visible in photos; assume they are not installed or not properly located unless owner confirms otherwise.",
"GFCI protection for kitchen and bathrooms was not observed in photos and is assumed missing until verified.",
"Windows shown meet egress size requirements for bedrooms based on visible double-hung units; exact measurements not available."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "This 1930 bungalow appears in generally good cosmetic and functional condition with updated flooring and bathrooms and an intact exterior envelope. The most likely Section 8/NSPIRE inspection issues are missing/undocumented smoke and carbon monoxide detectors, unverified GFCI protection at wet locations, and standard landlord verification of electrical panel, HVAC operation, and hot water. These are principally easy-to-fix items (detectors, outlet upgrades, minor trim/paint) but must be corrected prior to or at initial inspection. No major structural failures, active leaks, or collapsed elements were observed in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show recently replaced-looking flooring, fresh paint in most rooms, two updated bathrooms and generally tidy living spaces. Kitchen cabinets and countertops are serviceable but show cosmetic wear and paint chipping; closet openings lack doors in at least one bedroom. Stove is present; refrigerator not shown (missing appliance would be an easy fix). Overall defects are cosmetic/maintenance and easily addressed (cabinet touch-up, closet doors, minor trim/paint). No visible collapsed floors or subfloor issues."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 65.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in the photos (required by NSPIRE). No obvious exposed live wiring seen, but TV/AV cables are loosely routed and some outlet/switch cover plates are not clearly shown. Windows appear operable for egress in bedrooms. Entry door knob is visible but a secure deadbolt is not clearly shown. Bathrooms and kitchens show tiled surfaces and working fixtures; no visible active leaks, mold, or collapsed ceilings. Because smoke/CO detectors, GFCI protection at wet locations, and a clearly secure entry lock are not documented in images, there is moderate inspection risk that will need simple corrective work."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Duct registers and ceiling vents visible indicate central HVAC ducting present; no visible evidence of missing heating. Bathrooms and kitchen plumbing fixtures look functional and recently updated tile surrounds are present. Roof appears intact from exterior photo (no visible sagging or active leaks). Water heater and electrical service/panel are not shown so their condition is unknown; no photos show active water intrusion or failing systems. Given the visible condition, systems likely functional but will require verification of electrical panel, hot water, and HVAC operation during inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior shows a maintained yard, intact siding and brick porch supports. Driveway and walkway show wear/unevenness but are serviceable. Roof shingles visible appear aged but not visibly failed; gutters present. No standing water or obvious foundation cracking visible in photos. Paint on exterior trim and some porch elements may need touch-up (property built 1930 increases chance of lead-based paint presence). Overall typical maintenance items, not structural."
}
],
"red_flags": [
"No smoke detectors visible in photos (inspection requirement; missing units will cause fail).",
"No carbon monoxide detector visible (may be required depending on local/regional rules and presence of fuel-burning appliances).",
"Lead-based paint risk due to year built (1930) — any peeling/chipping paint or disturbed surfaces in a unit with young children would require hazard remediation/clearance prior to occupancy.",
"GFCI protection at kitchen/bath not clearly documented in photos (need verification) and could cause an NSPIRE fail if missing."
],
"confidence": 0.6,
"assumptions": [
"Central HVAC system is present and operational (visible ceiling vents), but no service records or thermostat photos were provided.",
"Stove (electric) is present; refrigerator not shown in photos — assume refrigerator may need to be provided by owner or tenant.",
"Electrical panel, water heater, and gas connections are not visible in provided photos; assume typical functional condition unless inspection finds otherwise.",
"No obvious peeling paint interior/exterior was observed in the photos, but property was built in 1930 so lead-based paint hazard is possible and must be assessed.",
"Smoke detectors, carbon monoxide alarms, and GFCI outlets are not visible in photos — assume they are absent or not documented and will need verification or installation."
],
"overall_score": 73.0,
"rubric_version": "2026-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1729 28th Street Ensley, Birmingham, AL, 35218",
"aggregate": {
"summary": "Overall this 3-bed/2-bath bungalow appears largely rent-ready with mostly cosmetic repairs and a few code-related items to address. Interiors look updated and clean; major systems appear present (central HVAC vents visible, functioning plumbing fixtures, no interior evidence of roof leaks or structural failure). Primary inspection risks are missing/uncertain smoke/CO detectors, lack of a front-porch handrail (possible stair safety citation), unknown location/condition of electrical panel and GFCI protection, and wear in kitchen cabinetry. These are repairable within 1–4 weeks in most cases; likely passable after minor fixes and verification of mechanical systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior photos show recent cosmetic updates (new-looking LVP flooring, fresh paint, renovated bathrooms) and generally clean, livable rooms. Kitchen cabinets and finishes show wear and cosmetic damage; cabinets/trim need repainting/repair. No fridge visible in photos (stove present) — missing refrigerator would be an easy-to-fix item but reduces turnkey readiness moderately. Minor exterior paint wear and driveway ruts observed. Overall repairs appear cosmetic and limited, not structural."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior envelope (siding and brick porch) appears intact with no visible foundation cracks or major structural distress. Paint is peeling/uneven in places and trim needs attention. Front porch steps lack a visible handrail and driveway surface shows deterioration/grass strips—both can be cited for safety/access. Yard appears usable and fenced area visible; drainage away from foundation not fully verifiable from photos but no standing water or erosion observed."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 61.7,
"rationale": "No visible smoke detectors or CO alarms in listed interior photos (required under NSPIRE); this is a commonly cited NSPIRE failure and will need installation. Bedrooms show windows that appear adequate for egress. No exposed high-voltage wiring or collapsed ceilings observed. Front porch steps appear to lack a handrail (possible trip/fall/handrail citation if stairs are 3+ risers). GFCI outlets and electrical panel not visible in photos; bathroom/toilet/vanity fixtures look functional but GFCI compliance for bathroom/outlet locations is uncertain. No visible active leaks, mold, or major trip hazards. Missing/uncertain detectors and possibly missing handrail are the main safety/code risks."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 70.0,
"rationale": "Ceiling supply/return vents are visible indicating central HVAC ducting and likely a working forced-air system, reducing heating/cooling failure risk. No furnace, water heater, or electrical service panel are pictured so their condition is assumed functional but unverified. Roof shows no visible sagging or active leaks in interior photos; exterior shingles appear aged but intact. Plumbing fixtures, toilets and showers appear recently renovated and functional. Because key components (water heater, electrical panel, furnace) are not shown, some system risk remains but no clear failures are visible."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (NSPIRE requirement).",
"Front porch steps appear to lack a handrail — potential safety/code citation if riser count/height triggers requirement."
],
"confidence": 0.9,
"assumptions": [
"Central forced air HVAC is present and operational (inferred from ceiling supply/return vents).",
"Water heater and electrical service/panel exist and are operational although not pictured.",
"No active roof leaks or interior water intrusion exist (ceilings show no staining or sagging in photos).",
"Bedrooms have compliant egress windows based on visible window sizes in photos.",
"Refrigerator is not shown and may be absent; stove/oven is present (electric).",
"No evidence of significant termite damage or hidden structural movement—photos show intact trim and floors without sag."
],
"score_method": "mean_of_criteria",
"overall_score": 70.2,
"rubric_version": "2026-02-16_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7635151037"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.