Property ID: 7646180688

113 Gormley Ln, Grand Isle, LA, 70358

Grand Isle, LA

For Sale Mar 27, 2026 03:08 AM UTC Realtor Zillow Street View Rent Zestimate
Money Down: $60,000 CoC Return: -5.62% Monthly Cash Flow: $-281
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$50,000
Closing Costs
$10,000
Total Down
$60,000
Primary property image

Investment Snapshot

Purchase Price
$250,000
Money Down
$60,000
Cash-on-Cash Return
-5.62%
Rent
$1,307
Monthly Cash Flow
$-281
Annual Cash Flow
$-3,372
Debt Service / Mo
$1,331
Property Tax / Mo
$62
Insurance / Mo
$65

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,307
Payment Standard
$1,552
Rent
$1,307
Insurance
$65
Property Tax
$62
Management
$131
Utilities Allowance
$245
NOI (Monthly)
$1,050
Debt Service
$1,331
Cash Flow After Debt
$-281

Quality Score: 73.50%

Confidence: 86.00%

Overall the home appears recently renovated and largely rent-ready with functioning major systems (new HVAC, water heater, PEX plumbing, new siding/floors reported). Primary inspection risks are exterior guardrail/handrail condition on stairs and deck, dock electrical/water interface (requires GFCI/marine-grade verification), and unverified interior safety items (smoke/CO detectors, kitchen/bath GFCIs, electrical panel). No visible structural sagging or active leaks; likely passable after 1–3 small to moderate fixes (railings, handrails, electrical verification) provided interior safety items are present and functional.

Section 8 Payment Standard
$1,552
Utility Allowance Total
$245
Guaranteed Section 8 Rent (PS - Utilities)
$1,307
Property Management
$131

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$250,000
Beds
2
Baths
1
Living Area
836 sqft
Lot Size
4,356 sqft
Year Built
2006
Days on Market
52
Capital Outlay
$60,000
Debt Service
$1,331
Property Tax / Mo
$62
Insurance / Mo
$65

Property Description

This newly renovated 2 bed 1 bath home is a fisherman's dream come true. It is complete with a private boat launch & covered boat slip with hoist. Spend afternoons on the relaxing waterfront porch and entertain in the open-concept kitchen/living area. Renovations include new HVAC, water heater, pex plumbing, floors, hardy plank & decking. Plenty of room for parking vehicles & boat trailer.

Utility Allowances

Cooking
$15
Property details state 'Gas: None', so the electric option was selected as the most common alternative. The allowance is for a 2-bedroom unit.
Heating
$68
Property has 'Central' heating and cooling but no gas service. An electric heat pump is the most likely system. The allowance is for a 2-bedroom unit.
Other Electric
$57
This is a standard fixed allowance for general electricity (lights, outlets, etc.) for a 2-bedroom single-family home.
Sewer
$0
The property is explicitly listed as having a 'Septic Tank', resulting in a $0 allowance for public sewer service.
Trash Collection
$25
This is a standard fixed allowance for municipal trash collection service at a single-family home.
Water
$36
The property's 'Water Source' is listed as 'Public'. The allowance is the standard rate for a 2-bedroom unit.
Water Heating
$44
The property has a water heater but no gas service, making an electric water heater the standard assumption. The allowance is for a 2-bedroom unit.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$782
DP3 Annual Estimate$782
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$65
Replacement Value$39,360
Basis836 sqft / 2006

Nearby Houses

Nearby house 1
Photo unavailable

397 Highway 1 Lots 12 & 13

for_sale · 0.08 mi
Price: $150,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 2
Photo unavailable

626 Highway 1

off_market · 0.11 mi
Price: $325,000
6 bd / 2 ba · 1,696 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

111 Abadie Ln Lot 2

off_market · 0.13 mi
Price: $80,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

111 Rush Ln

off_market · 0.19 mi
Price: $269,900
2 bd / 2 ba · 1,176 sqft
Latest sale: — on Sep 19, 2025
Latest rent: —
Nearby house 5
Photo unavailable

106 Rush Ln Lot 15

for_sale · 0.19 mi
Price: $140,000
— bd / — ba
Latest sale: —
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Aged/partially incomplete deck guardrails and potentially missing or non-continuous handrails on exterior stairs (fall hazard / possible NSPIRE fail).
  • Electrical wiring/cables visible around dock and under-house near water — potential shock hazard if not properly protected (GFCI/marine-grade).
  • Marine-exposed timber pilings show weathering; long-term degradation risk exists and should be inspected by a structural/ marine engineer if any doubt of soundness.
  • Dock edges and boat slip lack protective guardrails — increased fall risk (docks are common but flagged for inspections).
  • No interior evidence of required smoke/CO detectors or GFCI outlets in photos — these are commonly required and may cause an initial fail if missing.

Assumptions

  • Interior condition (walls, ceilings, floors inside living spaces) is consistent with listing statement of 'new floors' and looks generally good — no interior photos provided.
  • New HVAC and water heater are fully installed and operational as listed; no failure of those systems at inspection.
  • Electrical service to the house is intact and the main panel meets code, but GFCI protection at docks and in wet locations is not confirmed and may require correction.
  • No severe unseen structural damage to pilings; visible piles are assumed sound though marine wear exists.
  • Appliances (range, refrigerator) are not shown; their presence/condition would moderately affect readiness but are not automatic fail items.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $717 $49,200 $4,920
2024 $667 $49,200 $4,920
2023 $601 $41,000 $4,100
2022 $601 $41,000 $4,100
2021 $523 $37,200 $3,720
2020 $569 $41,000 $4,100
2019 $484 $33,800 $3,380
2018 $452 $33,800 $3,380
2017 $452 $33,800 $3,380
2016 $452 $33,800 $3,380
2015 $438 $33,800 $3,380
2014 $436 $33,800 $3,380
2013 $436 $33,800 $3,380
2012 $436 $33,800 $3,380
2011 $440 $33,800 $3,380
2010 $304 $30,400 $3,040
2009 $428 $33,800 $3,380
2008 $335 $3,380

Sale History

DateEventPrice
2026-02-26 Price Changed $250,000
2026-02-16 Listed $280,000
1996-08-01 Sold $0

Photo Gallery

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                      "List Price Low: 325000",
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                      "Year Built: 2009",
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                      "Construction Materials: Vinyl Siding",
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                      "Property Age: 16",
                      "Property Attached: No",
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        "https://jphsdd.org/2025/01/17/payment-standards-update/",
        "https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
      ],
      "effective_date": "2025-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": -3372.17,
    "property_management_monthly": 130.7,
    "monthly_cash_flow_after_debt": -281.01,
    "cash_on_cash_return_after_debt": -0.07
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the home appears recently renovated and largely rent-ready with functioning major systems (new HVAC, water heater, PEX plumbing, new siding/floors reported). Primary inspection risks are exterior guardrail/handrail condition on stairs and deck, dock electrical/water interface (requires GFCI/marine-grade verification), and unverified interior safety items (smoke/CO detectors, kitchen/bath GFCIs, electrical panel). No visible structural sagging or active leaks; likely passable after 1–3 small to moderate fixes (railings, handrails, electrical verification) provided interior safety items are present and functional.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Deferred Repairs",
            "score": 75.0,
            "rationale": "Listing states a recent renovation (new floors, hardy plank siding, decking). Exterior photos show fresh paint/siding and generally tidy appearance. Observable deferred items are weathered deck railings, some missing/aged pickets and older-looking stair treads/railwork under the house that will need tightening or replacement. No obvious severe interior finish damage visible from exterior photos. Missing interior photos prevent appliance verification; however missing fridge/stove would be moderate impact only. Overall mostly cosmetic/finish repairs concentrated on decking and exterior stairs."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE Safety & Code Risk",
            "score": 60.0,
            "rationale": "Several safety items cannot be confirmed from exterior photos (smoke/CO detectors, GFCI in kitchen/bath, electrical panel condition). Visible concerns: deck guardrails appear low/with widely spaced rails and some sections look incomplete or aged — potential guardrail/egress failure; exterior stairs appear to lack a continuous, graspable handrail in at least one run. There are electrical wires and cords visible around the dock/under-house area near water — potential electrical hazard if not GFCI/isolated. No visible collapsed ceilings, active leaks, or major foundation sagging. Egress windows appear present on upper level. Given the unknown interior safety items and visible railing/handrail & dock electrical risk, inspector risk is moderate."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical Condition",
            "score": 75.0,
            "rationale": "Listing indicates new HVAC and water heater and PEX plumbing which are strong positives. The roof is standing-seam/metal and appears intact in photos. There is visible service electrical to the structure (service drop and meter) though the main panel isn't shown. Boat-lift/electrical at the dock is present and would require verification of marine-grade wiring and GFCI protection. No visible signs of plumbing leaks or failed mechanical components from exterior images. Overall systems likely in good shape but verification of electrical panel and dock electrical/GFCI is required."
          },
          {
            "key": "exterior_site",
            "label": "Exterior Envelope & Site Condition",
            "score": 70.0,
            "rationale": "Hardy plank siding and decking appear recently replaced; paint and siding look in good condition. Elevated stilt foundation is consistent with location; pilings are weathered (marine exposure) but appear vertical and braced—no obvious sagging. Boat slip, dock and concrete parking pad are present and appear serviceable though dock edges lack guardrails (common for docks but a fall hazard). Gravel yard and small board ramps present some trip-hazard potential. Coastal exposure increases long-term maintenance needs for pilings and fasteners."
          }
        ],
        "red_flags": [
          "Aged/partially incomplete deck guardrails and potentially missing or non-continuous handrails on exterior stairs (fall hazard / possible NSPIRE fail).",
          "Electrical wiring/cables visible around dock and under-house near water — potential shock hazard if not properly protected (GFCI/marine-grade).",
          "Marine-exposed timber pilings show weathering; long-term degradation risk exists and should be inspected by a structural/ marine engineer if any doubt of soundness.",
          "Dock edges and boat slip lack protective guardrails — increased fall risk (docks are common but flagged for inspections).",
          "No interior evidence of required smoke/CO detectors or GFCI outlets in photos — these are commonly required and may cause an initial fail if missing."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Interior condition (walls, ceilings, floors inside living spaces) is consistent with listing statement of 'new floors' and looks generally good — no interior photos provided.",
          "New HVAC and water heater are fully installed and operational as listed; no failure of those systems at inspection.",
          "Electrical service to the house is intact and the main panel meets code, but GFCI protection at docks and in wet locations is not confirmed and may require correction.",
          "No severe unseen structural damage to pilings; visible piles are assumed sound though marine wear exists.",
          "Appliances (range, refrigerator) are not shown; their presence/condition would moderately affect readiness but are not automatic fail items."
        ],
        "overall_score": 70.0,
        "rubric_version": "2026-03-27_v1"
      },
      {
        "summary": "This elevated waterfront 2-bed/1-bath appears recently renovated with new HVAC, water heater, PEX plumbing and fresh siding — mechanical systems likely in good condition and the property is broadly close to Section 8 readiness. The main inspection risks are deck/guardrail and stair safety details, some visible exterior wiring under the house, and unknown interior life-safety items (smoke/CO detectors, GFCI outlets, egress windows) that must be confirmed. With targeted repairs (secure/bring guardrails and handrails up to code, address exposed wiring, install/verify detectors and GFCIs) this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. A professional marine-pile inspection is recommended to confirm long-term piling integrity given the waterfront location.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Listing states a recent renovation (new floors, hardy plank siding, decking) and exterior photos show fresh siding and painted surfaces. No obvious structural sag or roof damage visible. Observable deferred items are mostly exterior: weathered deck boards and railings, scattered stored equipment under the house, and some cosmetic wear on stairs and railing posts. Interior condition and appliances cannot be seen; missing interior appliance condition was not penalized heavily because listing renovation suggests upgrades. Overall appears cosmetically updated but needs minor exterior carpentry and cleanup."
          },
          {
            "key": "safety_code",
            "label": "Safety / NSPIRE Code Risk",
            "score": 60.0,
            "rationale": "Critical safety items cannot be confirmed from photos (smoke/CO detectors, GFCI, egress windows). Visible safety concerns: elevated deck railings appear to have large openings and inconsistent guardrail details that may not meet NSPIRE/IRC spacing or height requirements; some stair rail continuity and graspability appear questionable. There are visible overhead electrical wires and some exposed conduit/wiring under the house — potential electrical hazards that require inspection. No visible active roof leaks, collapsed ceilings, or major foundation displacement in exterior photos. Because life-safety items (detectors, egress) are unknown and deck/rail issues are visible, score reflects moderate risk of inspection failure without quick repairs."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, Plumbing, Electrical, Water Heater)",
            "score": 85.0,
            "rationale": "Listing expressly notes new HVAC, new water heater, and PEX plumbing — strong indicators that mechanical systems were replaced recently. Metal roof appears in good condition in photos. Electrical service and meter are present externally; no obvious damaged service equipment visible, though some exposed wiring under the structure should be verified. Water heater and HVAC operation not visually confirmed but listing claims are favorable; based on those claims and lack of visible roof/water damage, major systems likely in good shape but should be verified in-person."
          },
          {
            "key": "exterior_site",
            "label": "Exterior Envelope & Site",
            "score": 70.0,
            "rationale": "Property sits on marine pilings with a private boat slip and hoist; dock and boat lift appear functional. Siding, paint, and metal roofing look recently done. Pilings show normal marine staining/barnacle line but appear upright with no obvious tilt; however long-term marine pile condition cannot be fully assessed in photos. Gravel yard and concrete pad are serviceable. Some site clutter and stored gear under the elevated house present trip/organization issues. Shoreline/gravel edge appears stable but erosion protection and dock fastenings should be checked. Overall exterior/site is functional but needs targeted maintenance and a structural check of pilings/dock hardware due to marine environment."
          }
        ],
        "red_flags": [
          "unsafe_stairs_or_broken_handrails (visible stair rails and guardrail openings likely do not meet spacing/height/graspability requirements for an elevated dwelling)",
          "electrical_hazards (visible exposed wiring/conduit under structure and near deck areas that require electrician verification and securing)"
        ],
        "confidence": 0.7,
        "assumptions": [
          "Interior photos were not provided; assume interior finishes were renovated consistent with listing text (floors, kitchen/living updates) unless an in-person inspection shows otherwise.",
          "Listing statement that HVAC, water heater, and PEX plumbing are new is accurate and those systems are operational at time of inspection.",
          "Smoke detectors, carbon monoxide detectors (if required), GFCI protection in kitchen/bath, and functional stove/refrigerator are not visible in photos and must be verified by owner/inspector; absence will need correction.",
          "Pilings and dock hardware are assumed to be typical for marine environment; photos do not show obvious tilt but detailed structural assessment of pilings and connectors is required for full safety confirmation.",
          "Electrical service is assumed to be active and code-compliant at the meter/service; visible exterior wiring under the house may be serviceable but requires electrician verification and possible securing/weatherproofing."
        ],
        "overall_score": 73.0,
        "rubric_version": "nsPIRE_v1.0_photo_only_assessment_2026-03"
      },
      {
        "summary": "Overall this waterfront raised cottage appears to be in good, recently renovated condition with new HVAC, water heater, PEX plumbing and refreshed exterior. Most visible issues are exterior-wood wear (stairs, guardrails, dock) and items that require on-site verification (smoke/CO detectors, GFCI, electrical panel). With targeted minor repairs—secure/upgrade handrails, verify/repair any exterior wiring, confirm detectors and GFCI protection—this property is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection within 30 days. A structural inspection of pilings/dock below the waterline is recommended due to marine exposure.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Listing states full renovation (new floors, hardy plank siding, decking) and exterior photos show fresh paint and intact siding. Visible deferred items are limited to weathered/aged deck stairs and railings, scattered stored items under-house and some minor surface wear on docks. No visible major interior or structural decay in exterior photos. Missing interior photos prevent confirmation of kitchen appliance condition; assumed present per listing. Overall mostly cosmetic and minor repair items."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance",
            "score": 70.0,
            "rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, no standing water, no visible major roof leaks). However critical items cannot be verified from supplied photos: presence/placement of smoke and CO detectors, GFCI protection in kitchen/bath, condition of the electrical panel, and interior egress windows. Exterior stair railings and some guardrail sections look weathered and use horizontal rails with relatively large openings—this could be cited for unsafe stairs/guardrails. Overhead service and visible exterior wiring to the structure and dock area should be checked. Plumbing/hot water likely OK per listing (new water heater, PEX). Recommend on-site verification of detectors, GFCI, secure handrails, and electrical connections."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical",
            "score": 85.0,
            "rationale": "Listing explicitly notes new HVAC and new water heater plus PEX plumbing. Exterior shows a recent-looking metal roof and intact windows; no signs of active roof failure. Boat lift and dock equipment appear operational. Electrical main/panel not visible in photos so full electrical condition cannot be confirmed. Given seller claims of recent mechanical replacements, major system failure risk appears low but on-site verification of HVAC operation, water heater location/operation, and electrical panel/GFCIs required."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "House is raised on piles (standard for this location) and siding/paint appear in good condition. Concrete parking pad and gravel yard provide good vehicle/trailer access. Docks, pilings and boat hoist appear functional though pilings show normal marine wear at the waterline and some dock boards are weathered. Site is generally serviceable but marine exposure means routine maintenance is required; recommend inspection of pile integrity below waterline and evaluation of dock attachment hardware."
          }
        ],
        "red_flags": [
          "Unsafe stairs / degraded or non‑code guardrails (visible weathering, horizontal rails with large openings) — potential inspection failure",
          "Exterior/overhead electrical service and cabling near deck/dock area visible — potential electrical hazard requiring verification and possible correction",
          "Marine exposure to pilings/dock (wear at waterline) — requires structural verification of pile integrity below waterline"
        ],
        "confidence": 0.75,
        "assumptions": [
          "Interior rooms, kitchen and bathroom are renovated as stated in listing (appliances present/functioning) though interior photos were not provided.",
          "Seller listing note that HVAC and water heater are new is accurate and systems are operational.",
          "Electrical service exists and is functional; the main panel and GFCI protection locations are not visible in photos and require on-site verification.",
          "Smoke detectors and carbon monoxide detectors (where required) are not visible in photos and should be assumed unverified until confirmed on-site.",
          "No evidence of interior water damage, mold, or roof leaks was visible from exterior photos; absence of signs was taken as an indicator of low risk but not confirmation.",
          "Stairs and guardrails visible are representative of all exterior stairs; condition may vary in areas not imaged."
        ],
        "overall_score": 77.0,
        "rubric_version": "nsPIRE-v1-2026-03"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "113 Gormley Ln, Grand Isle, LA, 70358",
    "aggregate": {
      "summary": "Overall the home appears recently renovated and largely rent-ready with functioning major systems (new HVAC, water heater, PEX plumbing, new siding/floors reported). Primary inspection risks are exterior guardrail/handrail condition on stairs and deck, dock electrical/water interface (requires GFCI/marine-grade verification), and unverified interior safety items (smoke/CO detectors, kitchen/bath GFCIs, electrical panel). No visible structural sagging or active leaks; likely passable after 1–3 small to moderate fixes (railings, handrails, electrical verification) provided interior safety items are present and functional.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Deferred Repairs",
          "score": 76.0,
          "rationale": "Listing states a recent renovation (new floors, hardy plank siding, decking). Exterior photos show fresh paint/siding and generally tidy appearance. Observable deferred items are weathered deck railings, some missing/aged pickets and older-looking stair treads/railwork under the house that will need tightening or replacement. No obvious severe interior finish damage visible from exterior photos. Missing interior photos prevent appliance verification; however missing fridge/stove would be moderate impact only. Overall mostly cosmetic/finish repairs concentrated on decking and exterior stairs."
        },
        {
          "key": "exterior_site",
          "label": "Exterior Envelope & Site Condition",
          "score": 71.7,
          "rationale": "Hardy plank siding and decking appear recently replaced; paint and siding look in good condition. Elevated stilt foundation is consistent with location; pilings are weathered (marine exposure) but appear vertical and braced—no obvious sagging. Boat slip, dock and concrete parking pad are present and appear serviceable though dock edges lack guardrails (common for docks but a fall hazard). Gravel yard and small board ramps present some trip-hazard potential. Coastal exposure increases long-term maintenance needs for pilings and fasteners."
        },
        {
          "key": "safety_code",
          "label": "Section 8 / NSPIRE Safety & Code Risk",
          "score": 63.3,
          "rationale": "Several safety items cannot be confirmed from exterior photos (smoke/CO detectors, GFCI in kitchen/bath, electrical panel condition). Visible concerns: deck guardrails appear low/with widely spaced rails and some sections look incomplete or aged — potential guardrail/egress failure; exterior stairs appear to lack a continuous, graspable handrail in at least one run. There are electrical wires and cords visible around the dock/under-house area near water — potential electrical hazard if not GFCI/isolated. No visible collapsed ceilings, active leaks, or major foundation sagging. Egress windows appear present on upper level. Given the unknown interior safety items and visible railing/handrail & dock electrical risk, inspector risk is moderate."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical Condition",
          "score": 81.7,
          "rationale": "Listing indicates new HVAC and water heater and PEX plumbing which are strong positives. The roof is standing-seam/metal and appears intact in photos. There is visible service electrical to the structure (service drop and meter) though the main panel isn't shown. Boat-lift/electrical at the dock is present and would require verification of marine-grade wiring and GFCI protection. No visible signs of plumbing leaks or failed mechanical components from exterior images. Overall systems likely in good shape but verification of electrical panel and dock electrical/GFCI is required."
        }
      ],
      "red_flags": [
        "Aged/partially incomplete deck guardrails and potentially missing or non-continuous handrails on exterior stairs (fall hazard / possible NSPIRE fail).",
        "Electrical wiring/cables visible around dock and under-house near water — potential shock hazard if not properly protected (GFCI/marine-grade).",
        "Marine-exposed timber pilings show weathering; long-term degradation risk exists and should be inspected by a structural/ marine engineer if any doubt of soundness.",
        "Dock edges and boat slip lack protective guardrails — increased fall risk (docks are common but flagged for inspections).",
        "No interior evidence of required smoke/CO detectors or GFCI outlets in photos — these are commonly required and may cause an initial fail if missing."
      ],
      "confidence": 0.86,
      "assumptions": [
        "Interior condition (walls, ceilings, floors inside living spaces) is consistent with listing statement of 'new floors' and looks generally good — no interior photos provided.",
        "New HVAC and water heater are fully installed and operational as listed; no failure of those systems at inspection.",
        "Electrical service to the house is intact and the main panel meets code, but GFCI protection at docks and in wet locations is not confirmed and may require correction.",
        "No severe unseen structural damage to pilings; visible piles are assumed sound though marine wear exists.",
        "Appliances (range, refrigerator) are not shown; their presence/condition would moderately affect readiness but are not automatic fail items."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 73.5,
      "rubric_version": "2026-03-27_v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7646180688"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.