Property ID: 7660517773

2241 1st Pl NW, Center Point, AL, 35215

Center Point, AL

For Sale Feb 16, 2026 03:01 AM UTC Realtor Street View
Money Down: $26,376 CoC Return: 14.69% Monthly Cash Flow: $323
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,980
Closing Costs
$4,396
Total Down
$26,376
Primary property image

Investment Snapshot

Purchase Price
$109,900
Money Down
$26,376
Cash-on-Cash Return
14.69%
Rent
$1,215
Monthly Cash Flow
$323
Annual Cash Flow
$3,874
Debt Service / Mo
$585
Property Tax / Mo
$104
Insurance / Mo
$82

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,215
Payment Standard
$1,738
Rent
$1,215
Insurance
$82
Property Tax
$104
Management
$122
Utilities Allowance
$523
NOI (Monthly)
$908
Debt Service
$585
Cash Flow After Debt
$323

Quality Score: 67.70%

Confidence: 94.00%

Overall the property appears in generally sound, mostly cosmetic condition and would likely pass a Section 8 initial inspection after addressing a small set of items. Primary inspection risks are missing/undocumented smoke and CO detectors, likely need GFCI protection in kitchen/bath, and verification of HVAC/electrical/water-heater operation. Expect minor repairs and verification tasks; likely rent-ready within 30 days if systems test OK and detectors/GFCI are installed.

Section 8 Payment Standard
$1,738
Utility Allowance Total
$523
Guaranteed Section 8 Rent (PS - Utilities)
$1,215
Property Management
$122

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$109,900
Beds
3
Baths
1
Living Area
1,245 sqft
Lot Size
20,038 sqft
Year Built
1957
Days on Market
14
Capital Outlay
$26,376
Debt Service
$585
Property Tax / Mo
$104
Insurance / Mo
$82

Property Description

Great opportunity for home ownership. This property offers a solid footprint with functional layout and exterior features already in place. Ideal for a buyer looking to add personal touches or an investor seeking a value-add opportunity. Convenient access to major roadways and everyday amenities. Property is being sold as-is.

Utility Allowances

Cooking
$21
Property has an electric stove. Selected 'Elec: Ala Power' as it is the most common provider in the region and the most expensive electric option.
Heating
$93
Property has central heat. The fuel type is inferred to be electric, consistent with the electric stove and water heater. Selected 'Elec Heat: Ala Power' as the most likely provider.
Cooling
$22
Property has central cooling. Selected 'A/C: Alabama Power' as the most likely provider in the area.
Water Heating
$56
Property has an electric water heater. Selected 'Elec: Ala Power' as the most likely provider.
Other Electric
$68
Covers lights and other appliances, including the tenant-owned refrigerator. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely regional provider.
Water
$78
Property has public water. 'Water: Birmingham' was selected as Center Point is within the Birmingham metropolitan area.
Sewer
$151
Property is connected to public sewer. The allowance is based on the 3-bedroom fixed rate.
Trash Collection
$20
Trash collection is assumed for a single-family home. 'Jefferson City (Once per week)' was selected as the most appropriate general option for a property in Jefferson County.
Refrigerator
$8
The property listing does not state a refrigerator is included, so it is assumed to be tenant-provided.
Range/Microwave
$6
The property listing does not state a microwave is included, so it is assumed to be tenant-provided.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$822
DP3 Annual Estimate$1,135
DP1 Monthly Equivalent$68
DP3 Monthly Equivalent$95
Replacement Value$108,900
Basis1,245 sqft / 1957

Nearby Houses

Nearby house 1
Photo unavailable

2245 1st Pl NW

sold · 0.02 mi
Price: $93,000
3 bd / 2 ba · 1,404 sqft
Latest sale: $93,000
Latest rent: —
Nearby house 2
Photo unavailable

2229 1st Pl NW

sold · 0.04 mi
Price: $65,000
3 bd / 2 ba
Latest sale: $65,000
Latest rent: —
Nearby house 3
Photo unavailable

2236 1st Pl NW

sold · 0.04 mi
Price: $197,000
4 bd / 2 ba · 2,368 sqft
Latest sale: $197,000
Latest rent: —
Nearby house 4
Photo unavailable

2244 NW 1st St

sold · 0.05 mi
Price: $100,000
3 bd / 2 ba · 1,116 sqft
Latest sale: $100,000 on Aug 22, 2025
Latest rent: —
Nearby house 5
Photo unavailable

2225 1st Pl NW

sold · 0.06 mi
Price: $94,000
3 bd / 1 ba · 1,456 sqft
Latest sale: $94,000
Latest rent: —
Nearby house 6
Photo unavailable

2248 1st Pl NW

sold · 0.07 mi
Price: $90,000
3 bd / 1 ba · 1,078 sqft
Latest sale: $90,000
Latest rent: —
Nearby house 7
Photo unavailable

2220 1st St NW

sold · 0.09 mi
Price: $125,000
3 bd / 1 ba · 1,226 sqft
Latest sale: $125,000
Latest rent: —
Photo unavailable

2215 1st Pl NW

sold · 0.09 mi
Price: $123,900
3 bd / 2 ba · 985 sqft
Latest sale: $123,900
Latest rent: —
Photo unavailable

2225 1st St NW

sold · 0.10 mi
Price: $124,900
3 bd / 1 ba · 1,190 sqft
Latest sale: $124,900
Latest rent: —
Nearby house 10
Photo unavailable

200 Maple Way

sold · 0.10 mi
Price: $145,000
3 bd / 1 ba · 1,092 sqft
Latest sale: $145,000
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success
  • No visible smoke detectors in interior photos (inspection fail if not installed).
  • No visible carbon monoxide detector (required where fuel-burning appliances or attached garages are present).
  • Kitchen does not show a clearly labeled GFCI outlet next to sink — may fail electrical safety requirement.
  • Property built in 1957 — potential lead-based paint hazard that must be assessed and disclosed.

Assumptions

  • Forced-air HVAC exists and is functional (floor registers and ceiling fans visible), but no HVAC equipment photos provided.
  • Water heater and main plumbing are present and supply hot water, though not photographed.
  • Electrical panel and service are intact and meet capacity requirements; no exposed high-voltage wiring observed in photos.
  • Smoke detectors and CO alarms are not present or not visible in photos and will need to be installed if missing.
  • No visible active roof leaks or major foundation movement; roof appears recently re-shingled from exterior photos.
  • Bathroom(s) and hot water were not photographed; assumed functional but must be verified during inspection.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,214 $127,500 $23,580
2023 $1,152 $104,600 $20,920
2022 $1,030 $93,500 $18,700
2021 $1,008 $91,500 $18,300
2020 $867 $78,700 $15,740
2019 $867 $78,700 $15,740
2018 $786 $71,400 $14,280
2017 $786 $71,400 $14,280
2016 $715 $71,400 $14,280
2015 $715 $71,400 $14,280
2013 $985 $66,900 $13,380
2012 $960 $70,300 $14,060
2011 $1,055 $79,700 $15,940
2010 $1,089 $83,600 $16,720
2009 $1,063 $83,600 $16,720
2008 $1,111 $85,300 $17,060
2007 $857 $84,100 $16,820

Sale History

DateEventPrice
2026-02-02 Listed $109,900
2020-02-29 Listing removed $0
2020-02-12 Listed for rent $895
2017-05-23 Sold $6,335,000
2004-04-12 Sold $59,000
1996-02-22 Sold $54,500

Photo Gallery

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              "Area: CenterPt, Grayson Valley, Huffman, Roebuck",
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              "Living Area Source: Per Tax Report",
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                      "Directions: Take exit 261B for I-20 EI-59 N toward Atlanta/Gadsden (5.2 miles); Right exit 134 for Al-75/Roebuck Parkway (0.2 miles); Left onto AL-75/Roebuck Pkway signs for US-11 (4.3 miles); Left onto 23rd Ave NW; destination will be on the right side.",
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            "date": "2017-05-23",
            "price": 6335000,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 5088.353413654619,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "2004-04-12",
            "price": 59000,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 47.389558232931726,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
          },
          {
            "date": "1996-02-22",
            "price": 54500,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": 43.77510040160642,
            "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": "7660517773",
  "generated_at": "2026-02-16T03:01:39.208552Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 67.7
  },
  "utility_allowance": {
    "zip_code": "35215",
    "home_photo": "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m3145123365s-w1280.jpg",
    "rent_price": 1215.0,
    "loan_amount": 87920.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/2241-1st-Pl-NW_Center-Point_AL_35215_M76605-17773",
    "bedroom_count": 3,
    "interest_rate": 0.07,
    "purchase_price": 109900.0,
    "loan_term_years": 30,
    "annual_cash_flow": 10893.08,
    "mortgage_monthly": 584.93,
    "payment_standard": 1738.0,
    "total_amount_out": 21980.0,
    "additional_photos": [
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m1069323096s-w1280.jpg",
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m3105250166s-w1280.jpg",
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m2356361181s-w1280.jpg",
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m148423978s-w1280.jpg",
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m2730341458s-w1280.jpg",
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m1085954282s-w1280.jpg",
      "https://ap.rdcpix.com/dd0e401fe5bf3cdbdec4784fc67fad2el-m1036595229s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 81.54,
    "monthly_cash_flow": 907.76,
    "property_tax_rate": 0.0060999999999999995,
    "_utility_allowance": {
      "sources": [
        "https://www.jcha.com/section-8-utility-allowances"
      ],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "Property has an electric stove. Selected 'Elec: Ala Power' as it is the most common provider in the region and the most expensive electric option.",
        "utility": "Cooking",
        "allowance": 21
      },
      {
        "note": "Property has central heat. The fuel type is inferred to be electric, consistent with the electric stove and water heater. Selected 'Elec Heat: Ala Power' as the most likely provider.",
        "utility": "Heating",
        "allowance": 93
      },
      {
        "note": "Property has central cooling. Selected 'A/C: Alabama Power' as the most likely provider in the area.",
        "utility": "Cooling",
        "allowance": 22
      },
      {
        "note": "Property has an electric water heater. Selected 'Elec: Ala Power' as the most likely provider.",
        "utility": "Water Heating",
        "allowance": 56
      },
      {
        "note": "Covers lights and other appliances, including the tenant-owned refrigerator. Selected 'Lights, Ref, Etc.: Ala Power' as the most likely regional provider.",
        "utility": "Other Electric",
        "allowance": 68
      },
      {
        "note": "Property has public water. 'Water: Birmingham' was selected as Center Point is within the Birmingham metropolitan area.",
        "utility": "Water",
        "allowance": 78
      },
      {
        "note": "Property is connected to public sewer. The allowance is based on the 3-bedroom fixed rate.",
        "utility": "Sewer",
        "allowance": 151
      },
      {
        "note": "Trash collection is assumed for a single-family home. 'Jefferson City (Once per week)' was selected as the most appropriate general option for a property in Jefferson County.",
        "utility": "Trash Collection",
        "allowance": 20
      },
      {
        "note": "The property listing does not state a refrigerator is included, so it is assumed to be tenant-provided.",
        "utility": "Refrigerator",
        "allowance": 8
      },
      {
        "note": "The property listing does not state a microwave is included, so it is assumed to be tenant-provided.",
        "utility": "Range/Microwave",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.5,
    "down_payment_amount": 21980.0,
    "property_tax_annual": 1250.42,
    "property_tax_monthly": 104.2,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 523.0,
    "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": 3873.87,
    "property_management_monthly": 121.5,
    "monthly_cash_flow_after_debt": 322.82,
    "cash_on_cash_return_after_debt": 0.18
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the property appears in generally sound, mostly cosmetic condition and would likely pass a Section 8 initial inspection after addressing a small set of items. Primary inspection risks are missing/undocumented smoke and CO detectors, likely need GFCI protection in kitchen/bath, and verification of HVAC/electrical/water-heater operation. Expect minor repairs and verification tasks; likely rent-ready within 30 days if systems test OK and detectors/GFCI are installed.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior photos show largely intact finishes with recent-looking carpet, painted walls, functional cabinets and countertops; kitchen range and sink present. Cosmetic wear (scuffed cabinets, older range, minor trim damage) and some cabinet doors/closures need attention. Exterior paint/trim and steps are intact though the property is sold as-is. Missing minor items (touch-up paint, appliance cleaning or replacement if desired) — no evidence of major deferred maintenance."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 60.0,
            "rationale": "No smoke detectors or carbon monoxide detectors are visible in interior photos (inspection fail if not present). Entry door hardware shown but no visible deadbolt. Handrails present at front steps. No exposed high-voltage wiring observed; outlets and covers mostly present but kitchen outlet near sink appears to be a standard outlet (no visible GFCI). Windows appear to provide bedroom egress. No visible mold, active roof leaks, collapsed ceilings or major trip hazards. Age (1957) creates likelihood of lead-based paint hazards to address for tenancy."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems / Mechanical",
            "score": 60.0,
            "rationale": "Roof appears intact with modern shingles and gutters visible. Floor registers and ceiling fans indicate forced-air HVAC likely present but no HVAC equipment, water heater, or electrical panel photos to confirm condition. Kitchen plumbing and sink appear functional; electric stove present (older coil type). Because major systems are not documented in photos, assume operable but unverified — moderate risk until service records or testing confirm operation."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Exterior photos show a sound roofline, intact siding, painted block foundation with no visible large cracks, carport in usable condition, and functioning gutters/downspouts (flex drain visible). Yard needs basic cleanup/landscaping but no evidence of standing water, major erosion, or infestation. Walkway, driveway and front steps are serviceable."
          }
        ],
        "red_flags": [
          "No visible smoke detectors in interior photos (inspection fail if not installed).",
          "No visible carbon monoxide detector (required where fuel-burning appliances or attached garages are present).",
          "Kitchen does not show a clearly labeled GFCI outlet next to sink — may fail electrical safety requirement.",
          "Property built in 1957 — potential lead-based paint hazard that must be assessed and disclosed."
        ],
        "confidence": 0.72,
        "assumptions": [
          "Forced-air HVAC exists and is functional (floor registers and ceiling fans visible), but no HVAC equipment photos provided.",
          "Water heater and main plumbing are present and supply hot water, though not photographed.",
          "Electrical panel and service are intact and meet capacity requirements; no exposed high-voltage wiring observed in photos.",
          "Smoke detectors and CO alarms are not present or not visible in photos and will need to be installed if missing.",
          "No visible active roof leaks or major foundation movement; roof appears recently re-shingled from exterior photos.",
          "Bathroom(s) and hot water were not photographed; assumed functional but must be verified during inspection."
        ],
        "overall_score": 66.0,
        "rubric_version": "ns_prep_v1.0"
      },
      {
        "summary": "This 3BR/1BA ranch appears largely sound and would likely pass an initial HCV/NSPIRE inspection after modest, short‑turn repairs: install/verify smoke and CO detectors, add GFCI protection at kitchen (and bathroom) outlets, confirm HVAC and water‑heater operation, and address minor cosmetic and maintenance items. Major structural or roof issues are not evident in the photos. Because critical system documentation (HVAC, water heater, electrical panel) is missing, allow 1–3 weeks for verification and minor work; if systems are functional the property is rent‑ready within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repair needs",
            "score": 75.0,
            "rationale": "Interior photos show intact ceilings, fresh-looking paint, new-ish vinyl plank flooring in kitchen and new carpet in living/bedrooms. Kitchen cabinets and counters appear serviceable; stove present (older coil type). Exterior shows intact siding, painted block foundation and a clean roof line. Minor deferred maintenance noted: concrete front steps show staining/age, front landscaping needs clean-up, some cabinet doors/hardware may need adjustment. No visible severe water damage or collapsed elements. Overall mostly cosmetic and easy-to-fix items."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 65.0,
            "rationale": "No obvious life‑threatening hazards in photos: ceilings, floors and stairs appear sound and handrails present at front steps. Large windows likely provide bedroom egress. However no smoke or carbon monoxide detectors are visible in interior photos (required). Kitchen sink area shows a standard outlet with no visible GFCI device — likely noncompliant. Entry door deadbolt not visible. No exposed wiring seen. These missing/unknown protective devices create moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, electrical, plumbing, roof)",
            "score": 60.0,
            "rationale": "Roof shingles and gutters appear in relatively good condition with no visible sagging or active leaks. Floor vents visible in photos suggest forced‑air HVAC present but no furnace/air‑handler was photographed — operation unknown. Water heater and electrical panel were not shown. Kitchen plumbing is intact with double sink and faucet. Stove and range hood are present (electric). Because key system components (HVAC, water heater, electrical panel) are not documented, assign moderate risk pending verification/functional testing."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope & site",
            "score": 78.0,
            "rationale": "Single‑story home with covered carport, paved driveway and functioning gutters; siding and foundation appear intact. Front steps and porch are small but serviceable. Yard shows some soggy/leafy areas but no standing water or visible erosion. A corrugated downspout extension is present which helps drainage. No evidence of infestation, major siding damage, or foundation cracking visible in provided photos."
          }
        ],
        "red_flags": [
          "No visible smoke or carbon monoxide detectors in interior photos (required for NSPIRE).",
          "No visible GFCI protection at kitchen sink outlet (NSPIRE requirement).",
          "Major systems (HVAC, water heater, electrical panel) not photographed — functional status unverified and must be confirmed before inspection."
        ],
        "confidence": 0.66,
        "assumptions": [
          "Central forced‑air HVAC is present (inferred from visible floor vents) but its operational status was not documented.",
          "Water heater and electrical panel exist and are located in areas not shown; their condition is unknown.",
          "Windows shown in bedrooms are operable and provide required emergency egress.",
          "No active roof leaks or interior water damage exists beyond what is visible in photos (ceilings show no sagging or stains).",
          "Stove and range appear present and assumed functional but should be tested prior to lease.",
          "Smoke and CO detectors are not visible in photos and are assumed missing until verified.",
          "GFCI protection for kitchen/bath outlets is likely absent based on visible outlet near sink; assume retrofit needed."
        ],
        "overall_score": 69.0,
        "rubric_version": "2026-02-HUD-NSPIRE-v1"
      },
      {
        "summary": "Overall the property looks like a minor-repair, value-add candidate that would likely pass a Section 8/HCV inspection after addressing a few common safety defects. Primary items to address before inspection: install/verify working smoke detectors (required locations), add GFCI protection for kitchen/bath outlets, replace/secure any damaged ceiling fan blades, and confirm hot water, HVAC operation, and electrical panel condition. Exterior and interior are otherwise serviceable; expected time to get rent-ready with these repairs is roughly 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition / Repairs",
            "score": 75.0,
            "rationale": "Interior appears mostly cosmetic with recent paint, new-looking carpet, intact ceilings and functioning ceiling fans. Kitchen is serviceable (electric range, double sink, intact counters) though upper cabinets are older and there is a missing cabinet/trim area above the range; some cabinet/drawer hardware and trim need minor repair. Exterior siding, steps and carport appear intact. Property is sold 'as-is' so cosmetic touch-ups and minor carpentry/trim work are expected. Missing refrigerator (not pictured) would be a moderate issue for immediate tenant move-in but is not a structural failure."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 55.0,
            "rationale": "No smoke detectors are visible in interior photos (required by NSPIRE) and no carbon monoxide alarm is visible (required when fuel-burning equipment is present). Kitchen outlets by the sink appear to be standard receptacles rather than GFCI devices (kitchens require GFCI). Ceiling fan in some rooms shows a warped/damaged blade which can be a safety hazard if unbalanced. Front steps include handrails, and egress-size windows appear present in bedrooms, but many required safety items (smoke/CO detectors, GFCI protection) are not shown and are likely missing or need verification."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical",
            "score": 65.0,
            "rationale": "Visible floor registers suggest a central forced-air HVAC system (not shown), and the roof looks recently shingled with intact gutters and downspouts. Kitchen has an electric stove and double sink; plumbing fixtures appear intact. Electrical panel and water heater are not shown so functionality of those systems is assumed but unconfirmed. No visible signs of active roof leaks, major plumbing failure, or structural movement in provided photos."
          },
          {
            "key": "exterior_site",
            "label": "Exterior / Site Condition",
            "score": 78.0,
            "rationale": "Exterior siding, foundation block, driveway and carport appear structurally sound in photos. Roof appears in good condition, gutters present, and front steps have railings. Landscaping is basic and the yard has some overgrowth/vegetation close to the house which should be trimmed to prevent moisture/entry points but does not represent immediate structural failure. No visible standing water or major foundation cracks in images provided."
          }
        ],
        "red_flags": [
          "No visible smoke detectors in interior photos (NSPIRE requires operable smoke alarms in required locations).",
          "Kitchen countertop outlet(s) near sink appear to lack GFCI protection (common cause of inspection failure).",
          "Damaged/warped ceiling fan blade observed (potential mechanical hazard if loose or unbalanced).",
          "Major systems (water heater, electrical panel, HVAC equipment) were not shown/verified and must be confirmed operational prior to inspection."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Central forced-air HVAC exists (inferred from visible floor registers) but equipment and operation were not photographed.",
          "Hot water heater and electrical service/panel exist in the unit but were not photographed; their condition is unknown.",
          "Stove (electric) is present and assumed operable based on photos, but refrigerator was not shown and may not be provided.",
          "No smoke or carbon monoxide detectors are present because none are visible in any photo; detectors may be installed in unpictured rooms but should be verified.",
          "No visible signs of active roof leaks, severe mold, or foundation movement in provided photos; absence of visible distress was taken as evidence of likely intact envelope.",
          "Age of home (1957) raises potential lead-based paint risk for surfaces with failing paint; photos show painted surfaces in reasonable condition so no visible peeling was assumed."
        ],
        "overall_score": 68.0,
        "rubric_version": "nspr_inspect_v1_2026-02-16"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "2241 1st Pl NW, Center Point, AL, 35215",
    "aggregate": {
      "summary": "Overall the property appears in generally sound, mostly cosmetic condition and would likely pass a Section 8 initial inspection after addressing a small set of items. Primary inspection risks are missing/undocumented smoke and CO detectors, likely need GFCI protection in kitchen/bath, and verification of HVAC/electrical/water-heater operation. Expect minor repairs and verification tasks; likely rent-ready within 30 days if systems test OK and detectors/GFCI are installed.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 73.3,
          "rationale": "Interior photos show largely intact finishes with recent-looking carpet, painted walls, functional cabinets and countertops; kitchen range and sink present. Cosmetic wear (scuffed cabinets, older range, minor trim damage) and some cabinet doors/closures need attention. Exterior paint/trim and steps are intact though the property is sold as-is. Missing minor items (touch-up paint, appliance cleaning or replacement if desired) — no evidence of major deferred maintenance."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 77.0,
          "rationale": "Exterior photos show a sound roofline, intact siding, painted block foundation with no visible large cracks, carport in usable condition, and functioning gutters/downspouts (flex drain visible). Yard needs basic cleanup/landscaping but no evidence of standing water, major erosion, or infestation. Walkway, driveway and front steps are serviceable."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Compliance Risk",
          "score": 60.0,
          "rationale": "No smoke detectors or carbon monoxide detectors are visible in interior photos (inspection fail if not present). Entry door hardware shown but no visible deadbolt. Handrails present at front steps. No exposed high-voltage wiring observed; outlets and covers mostly present but kitchen outlet near sink appears to be a standard outlet (no visible GFCI). Windows appear to provide bedroom egress. No visible mold, active roof leaks, collapsed ceilings or major trip hazards. Age (1957) creates likelihood of lead-based paint hazards to address for tenancy."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems / Mechanical",
          "score": 61.7,
          "rationale": "Roof appears intact with modern shingles and gutters visible. Floor registers and ceiling fans indicate forced-air HVAC likely present but no HVAC equipment, water heater, or electrical panel photos to confirm condition. Kitchen plumbing and sink appear functional; electric stove present (older coil type). Because major systems are not documented in photos, assume operable but unverified — moderate risk until service records or testing confirm operation."
        }
      ],
      "red_flags": [
        "No visible smoke detectors in interior photos (inspection fail if not installed).",
        "No visible carbon monoxide detector (required where fuel-burning appliances or attached garages are present).",
        "Kitchen does not show a clearly labeled GFCI outlet next to sink — may fail electrical safety requirement.",
        "Property built in 1957 — potential lead-based paint hazard that must be assessed and disclosed."
      ],
      "confidence": 0.94,
      "assumptions": [
        "Forced-air HVAC exists and is functional (floor registers and ceiling fans visible), but no HVAC equipment photos provided.",
        "Water heater and main plumbing are present and supply hot water, though not photographed.",
        "Electrical panel and service are intact and meet capacity requirements; no exposed high-voltage wiring observed in photos.",
        "Smoke detectors and CO alarms are not present or not visible in photos and will need to be installed if missing.",
        "No visible active roof leaks or major foundation movement; roof appears recently re-shingled from exterior photos.",
        "Bathroom(s) and hot water were not photographed; assumed functional but must be verified during inspection."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 67.7,
      "rubric_version": "ns_prep_v1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "7660517773"
  }
}

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