Property ID: 7649154810

3459 35th Ave N, Birmingham, AL, 35207

Birmingham, AL

For Sale Feb 16, 2026 02:23 AM UTC Realtor Zillow Street View
Money Down: CoC Return: Monthly Cash Flow:
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
Closing Costs
$3,996
Total Down

utility_fetch_failed

Primary property image

Investment Snapshot

Purchase Price
$99,900
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: 76.10%

Confidence: 95.00%

Overall this property appears to be freshly renovated and largely turnkey for rental with mostly cosmetic finishes and functioning appliances visible. Key NSPIRE unknowns that an inspector would verify are presence and placement of smoke/CO alarms, GFCI protection in kitchen/bath, proper egress for bedrooms, water heater strapping/drain pan and documented HVAC operation. Remediating these items (installing detectors, confirming GFCIs, strapping water heater, addressing sidewalk trip hazard) should bring the unit into strong compliance. Estimated time to pass an initial HCV/NSPIRE inspection: under 30 days if detectors and minor items are completed prior to 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
$99,900
Beds
2
Baths
1
Living Area
864 sqft
Lot Size
3,920 sqft
Year Built
1945
Days on Market
55
Capital Outlay
Debt Service
Property Tax / Mo
$0
Insurance / Mo
$0

Property Description

Fully renovated home with upgrades galore! Everything is NEW! Large spacious fenced-in yard and deck, to host family events. Area is minutes from downtown Birmingham. Schedule your private showing today!

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 Quote
DP1 Annual Estimate$267
DP3 Annual Estimate$481
DP1 Monthly Equivalent$22
DP3 Monthly Equivalent$40
Replacement Value$14,200
Basis864 sqft / 1945

Nearby Houses

Nearby house 1
Photo unavailable

3501 35th St SW

sold · 0.01 mi
Price: $6,000
4 bd / 1 ba
Latest sale: $6,000
Latest rent: —
Nearby house 2
Photo unavailable

4000 Fred L Shuttlesworth Dr

sold · 0.04 mi
Price: $12,000
2 bd / 1 ba · 768 sqft
Latest sale: $12,000 on May 07, 2024
Latest rent: —
Nearby house 3
Photo unavailable

3936 Fred L Shuttlesworth Dr

off_market · 0.04 mi
Price: $850
2 bd / 1 ba · 696 sqft
Latest sale: $47,000 on Oct 04, 2024
Latest rent: $1,100 on Mar 11, 2025
Nearby house 4
Photo unavailable

3936 Fred L Shuttlesworth Dr

sold · 0.05 mi
Price: $47,000
2 bd / 1 ba · 696 sqft
Latest sale: $47,000 on Oct 04, 2024
Latest rent: $1,100 on Mar 11, 2025
Nearby house 5
Photo unavailable

3411 N 34th Industrial Hub Pl Lot 110

for_sale · 0.08 mi
Price: $350,000
— bd / — ba
Latest sale: —
Latest rent: —

Risk and Criteria Detail

Red Flags

  • utility_fetch_failed
  • No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE safety requirement).
  • Front sidewalk/curb slab depression visible — trip hazard on site.
  • Water heater appears unstrapped and no drain pan is visible (risk for leaks/NSPIRE concern).
  • Bedroom window egress not documented/verified from photos (possible inspection issue).

Assumptions

  • Interior photos are representative of the entire unit; no hidden water damage or ceiling/floor collapse beyond shown images.
  • Central HVAC is installed and operable (vents and thermostat visible), though service records are not provided.
  • Smoke detectors and carbon monoxide alarms are not installed or not visible in provided photos.
  • GFCI protection locations in kitchen and bath are not visible and should be confirmed; assume they may be missing.
  • Water heater is electric (visible) and is not strapped and has no drain pan visible in photos.
  • Bedrooms' windows provide egress based on size seen in photos, but compliance is not confirmed and should be verified on-site.
  • Exterior roof and siding are recently updated as claimed by listing; no active roof leaks observed in interior photos.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2013 $15 $38,700 $7,740
2012 $15 $27,400 $5,480
2011 $15 $27,400 $5,480
2010 $15 $27,400 $5,480
2009 $15 $32,100 $6,420
2008 $15 $32,800 $6,560
2007 $15 $32,500 $6,500

Sale History

DateEventPrice
2005-05-19 Sold $14,000

Photo Gallery

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            "category": "Other Rooms",
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            "text": [
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              "Heating: Yes",
              "Number of Fireplaces: 0",
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            "category": "Heating and Cooling",
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            "text": [
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              "Porch: Yes",
              "Deck: Yes",
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            "category": "Exterior and Lot Features",
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              "Lot Size Square Feet: 3920"
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    "runs": [
      {
        "summary": "Overall this property appears to be freshly renovated and largely turnkey for rental with mostly cosmetic finishes and functioning appliances visible. Key NSPIRE unknowns that an inspector would verify are presence and placement of smoke/CO alarms, GFCI protection in kitchen/bath, proper egress for bedrooms, water heater strapping/drain pan and documented HVAC operation. Remediating these items (installing detectors, confirming GFCIs, strapping water heater, addressing sidewalk trip hazard) should bring the unit into strong compliance. Estimated time to pass an initial HCV/NSPIRE inspection: under 30 days if detectors and minor items are completed prior to inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Interior photos show a full cosmetic renovation: new-looking paint, trim, vinyl plank floors, updated kitchen cabinets/countertops, tiled shower, new bathroom fixtures and appliances (stove, fridge, dishwasher). No visible drywall damage, flooring issues or major deferred maintenance inside. Exterior siding and roof appear recently replaced/painted. Minor visible exterior cosmetic items (foundation painted bright red, small front yard debris) but nothing that suggests structural repair is required. Missing items: no visible window screens or HVAC service records (cosmetic)."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 65.0,
            "rationale": "Several NSPIRE safety items cannot be confirmed from photos: no smoke detectors or CO alarms are visible in bedrooms or common areas; egress compliance for bedrooms not documented (windows appear modest but may meet egress). Entry door looks standard with a lock, but deadbolt not clearly visible. No obvious exposed high-voltage hazards in living areas; electrical panel is present in a bedroom wall area. GFCI outlets in kitchen/bath are not visible in photos. Water heater is installed in a small hall area but appears unstrapped and no drain pan is visible. No evidence of active water intrusion, mold, collapsed ceilings, or major structural failure. These unknowns reduce the score to a moderate risk level."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 75.0,
            "rationale": "Photos show ceiling supply/return vents indicating central HVAC ducting is present and a thermostat-like device is visible — HVAC system appears installed but its operational status and age are not documented. Electric stove and refrigerator are present; dishwasher visible. Water heater is present and appears functional, though no TPR drain or pan is shown and strapping is not evident. Electrical meter and conduit visible at exterior; interior electrical panel present. No visible roof leaks, major plumbing leaks, or sagging. Absence of service records reduces confidence but overall systems appear recently updated."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior siding and roof appear in good condition and the yard is fenced with a front porch and railings. The front yard/sidewalk near the street shows a depressed concrete slab/cover which is a trip hazard from the public right-of-way and could be a failed front drainage area. Chain-link fence and gate present. No obvious significant foundation settlement or large exterior cracks are visible in photos, but foundation perimeter is partially obscured. Yard maintenance appears minimal but functional. No visible evidence of infestation."
          }
        ],
        "red_flags": [
          "No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE safety requirement).",
          "Front sidewalk/curb slab depression visible — trip hazard on site.",
          "Water heater appears unstrapped and no drain pan is visible (risk for leaks/NSPIRE concern).",
          "Bedroom window egress not documented/verified from photos (possible inspection issue)."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Interior photos are representative of the entire unit; no hidden water damage or ceiling/floor collapse beyond shown images.",
          "Central HVAC is installed and operable (vents and thermostat visible), though service records are not provided.",
          "Smoke detectors and carbon monoxide alarms are not installed or not visible in provided photos.",
          "GFCI protection locations in kitchen and bath are not visible and should be confirmed; assume they may be missing.",
          "Water heater is electric (visible) and is not strapped and has no drain pan visible in photos.",
          "Bedrooms' windows provide egress based on size seen in photos, but compliance is not confirmed and should be verified on-site.",
          "Exterior roof and siding are recently updated as claimed by listing; no active roof leaks observed in interior photos."
        ],
        "overall_score": 75.0,
        "rubric_version": "ns_2026_v1"
      },
      {
        "summary": "Overall the property appears to be a recently renovated, mostly turnkey 2-bed home with modern finishes, working appliances, and intact systems visible in photos. It is likely to pass an initial HCV/NSPIRE inspection after addressing a few minor but important items: confirm and/or install required smoke detectors (and CO alarms if required), verify GFCI protection in kitchen and bathroom, secure/verify electrical wiring around the water heater and panel, and repair the sunken sidewalk slab at the street (trip hazard). With these fixes (mostly straightforward), the property should be rent-ready within 1–2 weeks to 30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 85.0,
            "rationale": "Interior photos show a recent full cosmetic renovation: new-looking LVP flooring, fresh paint, new trim, updated kitchen cabinets/countertops/tile, and a renovated bathroom and tiled shower. Major appliances (electric range, refrigerator, dishwasher) are present. Minor exterior cosmetic issues (paint on porch riser, small yard cleanup) and a sunken sidewalk slab at the curb are visible but are easily repaired. No visible collapsed ceilings, exposed subfloor, or severe deterioration."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 70.0,
            "rationale": "No active life‑threatening hazards visible: bedrooms have operable windows for egress, porch has guardrail, interior ceilings and walls are intact, plumbing fixtures appear operational. However, smoke detectors and CO alarms are not visible in photos (NSPIRE requires smoke detectors in/near sleeping areas), GFCI presence in kitchen/bath is not shown, and there is a notable trip hazard from a sunken concrete slab at the curb/sidewalk. The water heater image shows surface-mounted wiring/conduit that should be verified for secure installation and a visible TPR drain line is not shown. These items represent the most likely inspection issues."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems & mechanical condition",
            "score": 75.0,
            "rationale": "Photos show HVAC ceiling registers indicating central heating/AC ducting is present (furnace/condensing unit not pictured), an electric water heater in place, and a serviceable-looking electrical panel cover in a living area photo. Kitchen appliances are present and appear operable. No visible signs of active roof leaks, major plumbing damage, or failed systems, but critical system details (age/status of HVAC, water heater TPR piping, main electrical grounding, circuit labeling) cannot be fully verified from images and should be confirmed during inspection."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 70.0,
            "rationale": "Exterior siding, gutters and porch railing appear recently replaced/painted and in good condition. The yard is fenced and usable. The most significant site concern is the sunken concrete slab/curb near the street creating a trip hazard and potential drainage/settlement issue. The chain link fence and front stoop appear serviceable; no obvious evidence of major foundation movement, roof collapse, or pest infestation in the photos provided."
          }
        ],
        "red_flags": [
          "Sunken concrete slab / curb at street (trip hazard) visible in front exterior photo — repair required before inspection or documented plan to repair.",
          "No smoke detectors visible in photos — absence would cause immediate NSPIRE/Section 8 fail (must be verified/installed).",
          "Exposed/surface-mounted electrical conduit near the water heater and wiring routing not fully secured/verified in photos — recommend electrician verify safe installation and TPR discharge piping for the water heater."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Interior photos show the entire living area, kitchen, both bedrooms, bathroom and the water heater closet; areas not pictured (attic, furnace closet, exterior roof) were not inspected.",
          "HVAC is present and operational (ceiling registers visible) though the furnace/condensing unit was not photographed.",
          "Appliances shown (electric stove, refrigerator, dishwasher) are included and operable; seller listing says everything is new.",
          "Smoke and carbon monoxide detectors are not visible in photos and are assumed not confirmed; they should be installed/verified to meet NSPIRE requirements.",
          "GFCI protection in kitchen and bathroom outlets is not visible; assume it should be verified and installed if missing.",
          "Electrical panel is present (photo shows a recessed panel cover) but internal condition, grounding and labeling are unverified.",
          "Water heater is electric (no visible gas line) but TPR discharge piping and secure electrical connections need on-site verification.",
          "Sidewalk/curb settlement visible in exterior photo is assumed to be public/adjacent but presents a tenant safety/trip hazard and should be repaired."
        ],
        "overall_score": 76.0,
        "rubric_version": "2026-02-hcv-nspire-v1"
      },
      {
        "summary": "Property appears to be recently and comprehensively renovated and is largely turnkey for a Housing Choice Voucher move-in after a small list of standard inspection items are confirmed or corrected. Interior finishes, kitchen appliances (stove, refrigerator, dishwasher), bathroom, flooring and water heater are present and appear new. Primary NSPIRE/inspection risks from the photos: no visible smoke detectors/CO alarms, GFCI protection not clearly shown, and a surface-mounted cable near the water heater that could be flagged as an electrical issue. Exterior has a trip hazard at the sidewalk/curb and the deck mentioned in the listing is not shown and should be inspected. If smoke/CO detectors are installed, any required GFCIs added/verified, and the minor electrical and sidewalk issues addressed, this unit is likely to pass an initial HCV/NSPIRE inspection with only minor repairs and would be rent-ready within 1–3 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 85.0,
            "rationale": "Photos show a full cosmetic renovation: new-looking vinyl plank flooring throughout, fresh paint, updated kitchen cabinets/countertops/backplash, new-appearing bathroom tile and fixtures, and presence of stove, refrigerator and dishwasher. No visible water stains, peeling paint or major interior damage. Exterior siding and porch appear recently replaced/painted. Minor exterior cosmetic items observed (painted foundation, small yard clean-up) and a broken concrete panel/sidewalk at the curb (trip hazard) that is cosmetic but should be repaired. Overall the unit is largely turnkey; missing small finish touch-ups are easy-to-fix capital items."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance (NSPIRE risks)",
            "score": 70.0,
            "rationale": "No smoke detectors or CO alarms are visible in the photos (required by NSPIRE on each level and in/near sleeping rooms) — this is commonly a required item and would fail inspection until installed. Electrical panel is visible and appears intact inside living area; however the water heater area shows surface-mounted cables/conduit and a loose-looking cable run which could be flagged as an electrical hazard by an inspector if not properly secured/boxed. Egress windows appear present in sleeping rooms, bedroom windows look adequate for egress. Porch has railings; entry door hardware appears functional though a deadbolt is not clearly visible in photos (inspector requires secure lock). No visible active leaks, severe mold, collapsed ceilings, or major foundation cracks in photos. GFCI protection at kitchen and bath outlets is not clearly visible and must be confirmed/installed. Because missing/uncertain smoke detectors and potential exposed wiring are inspection risks, score reduced."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC / Electrical / Plumbing / Water Heater / Roof)",
            "score": 75.0,
            "rationale": "Interior supply/return vents are visible (indicating central forced-air HVAC ducting) and a thermostat is likely present (not shown) — however no exterior condenser/furnace photos are provided. Water heater is present and appears to be an electric tank and located in a small mechanical/laundry closet; laundry hookups visible. Kitchen appliances are present (electric range, dishwasher, refrigerator) which reduces time-to-rent. Electrical panel is visible inside which is a positive sign. Roof appears shingled and in reasonable condition from the limited exterior view. Because key system components (HVAC package outdoors, service records, age of water heater/furnace, actual operation) are not documented in photos, a moderate score is given with the expectation systems are functional based on the recent full renovation listing claim."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Exterior siding and trim look recently replaced or painted; gutters are present. Property has a fenced yard and a front porch with railings. The listing mentions a deck (not pictured) — that should be verified for structural soundness and guardrails. Notable site issue: a broken/raised concrete panel or utility cover near the curb (visible in front photo) is a trip hazard and should be repaired. Trees close to the house are visible but not showing immediate roof damage. No visible signs of major foundation movement, severe exterior rot, or infestation in photos. Overall exterior looks maintained but needs small repairs (sidewalk/curb) and verification of deck."
          }
        ],
        "red_flags": [
          "No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE inspection fail until installed/verified).",
          "Potential electrical hazard: exposed/surface-mounted wiring/conduit near the water heater that may require correction/enclosure.",
          "Broken/raised concrete panel or sidewalk/utility cover at the curb creating a trip hazard; repair required before/at inspection if on tenant path."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Listing statement 'Everything is NEW' is accurate and interior appliances (electric range, refrigerator, dishwasher) are included and functional.",
          "Central HVAC is present and operational (supply/return vents visible) though outdoor condenser/furnace photos are not provided.",
          "Water heater is electric and provides hot water; plumbing fixtures operate correctly — no active leaks present based on photos.",
          "Smoke and carbon monoxide detectors are either not installed or not visible in photos; they will need verification and likely installation to meet NSPIRE.",
          "GFCI protection at kitchen and bathroom outlets is not visible in photos and must be confirmed/installed as required.",
          "Deck referenced in the listing exists but was not photographed; its structural soundness and guardrails must be verified.",
          "No major unseen structural issues (foundation movement, roof failure, hidden mold) exist beyond what is visible in the photos; if any of these are present they would materially change the assessment."
        ],
        "overall_score": 77.0,
        "rubric_version": "2026-02-hud-nspire-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "3459 35th Ave N, Birmingham, AL, 35207",
    "aggregate": {
      "summary": "Overall this property appears to be freshly renovated and largely turnkey for rental with mostly cosmetic finishes and functioning appliances visible. Key NSPIRE unknowns that an inspector would verify are presence and placement of smoke/CO alarms, GFCI protection in kitchen/bath, proper egress for bedrooms, water heater strapping/drain pan and documented HVAC operation. Remediating these items (installing detectors, confirming GFCIs, strapping water heater, addressing sidewalk trip hazard) should bring the unit into strong compliance. Estimated time to pass an initial HCV/NSPIRE inspection: under 30 days if detectors and minor items are completed prior to inspection.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 85.0,
          "rationale": "Interior photos show a full cosmetic renovation: new-looking paint, trim, vinyl plank floors, updated kitchen cabinets/countertops, tiled shower, new bathroom fixtures and appliances (stove, fridge, dishwasher). No visible drywall damage, flooring issues or major deferred maintenance inside. Exterior siding and roof appear recently replaced/painted. Minor visible exterior cosmetic items (foundation painted bright red, small front yard debris) but nothing that suggests structural repair is required. Missing items: no visible window screens or HVAC service records (cosmetic)."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 71.7,
          "rationale": "Exterior siding and roof appear in good condition and the yard is fenced with a front porch and railings. The front yard/sidewalk near the street shows a depressed concrete slab/cover which is a trip hazard from the public right-of-way and could be a failed front drainage area. Chain-link fence and gate present. No obvious significant foundation settlement or large exterior cracks are visible in photos, but foundation perimeter is partially obscured. Yard maintenance appears minimal but functional. No visible evidence of infestation."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 68.3,
          "rationale": "Several NSPIRE safety items cannot be confirmed from photos: no smoke detectors or CO alarms are visible in bedrooms or common areas; egress compliance for bedrooms not documented (windows appear modest but may meet egress). Entry door looks standard with a lock, but deadbolt not clearly visible. No obvious exposed high-voltage hazards in living areas; electrical panel is present in a bedroom wall area. GFCI outlets in kitchen/bath are not visible in photos. Water heater is installed in a small hall area but appears unstrapped and no drain pan is visible. No evidence of active water intrusion, mold, collapsed ceilings, or major structural failure. These unknowns reduce the score to a moderate risk level."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical Condition",
          "score": 75.0,
          "rationale": "Photos show ceiling supply/return vents indicating central HVAC ducting is present and a thermostat-like device is visible — HVAC system appears installed but its operational status and age are not documented. Electric stove and refrigerator are present; dishwasher visible. Water heater is present and appears functional, though no TPR drain or pan is shown and strapping is not evident. Electrical meter and conduit visible at exterior; interior electrical panel present. No visible roof leaks, major plumbing leaks, or sagging. Absence of service records reduces confidence but overall systems appear recently updated."
        }
      ],
      "red_flags": [
        "No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE safety requirement).",
        "Front sidewalk/curb slab depression visible — trip hazard on site.",
        "Water heater appears unstrapped and no drain pan is visible (risk for leaks/NSPIRE concern).",
        "Bedroom window egress not documented/verified from photos (possible inspection issue)."
      ],
      "confidence": 0.95,
      "assumptions": [
        "Interior photos are representative of the entire unit; no hidden water damage or ceiling/floor collapse beyond shown images.",
        "Central HVAC is installed and operable (vents and thermostat visible), though service records are not provided.",
        "Smoke detectors and carbon monoxide alarms are not installed or not visible in provided photos.",
        "GFCI protection locations in kitchen and bath are not visible and should be confirmed; assume they may be missing.",
        "Water heater is electric (visible) and is not strapped and has no drain pan visible in photos.",
        "Bedrooms' windows provide egress based on size seen in photos, but compliance is not confirmed and should be verified on-site.",
        "Exterior roof and siding are recently updated as claimed by listing; no active roof leaks observed in interior photos."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 76.1,
      "rubric_version": "ns_2026_v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7649154810"
  }
}

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