Property ID: 7704681064
3221 25th St N, Birmingham, AL, 35207
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$3,800
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$95,000
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: 74.80%
Confidence: 94.00%
Overall the property appears largely turnkey with cosmetic updates, new flooring, functioning kitchen appliances present, and a reported 2023 HVAC replacement. The biggest inspection risk is the absence of visible smoke and CO detectors and unverified GFCI protection at kitchen/bath outlets — these are quick fixes but could cause an NSPIRE fail if missing at inspection. Major systems appear intact with no visible structural or moisture issues. Expected to be rentable for Section 8 after addressing detector/GFCI verification (and installing any missing devices) and performing light cleaning and minor repairs. Estimated readiness timeline: 1–3 weeks for inspection-ready if detectors and panels are serviceable; longer only if hidden systems require repair.
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
$95,000
Beds
3
Baths
2
Living Area
1,056 sqft
Lot Size
6,970 sqft
Year Built
1985
Days on Market
201
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Turnkey Rental in Growing Northside - $1,265/Month Income! This 3 bedroom, 2 full bath home recently rented for $1,265 sits in Birmingham's Northside, a growing area attracting investor interest. The tenant recently moved out and is ready for a new renter. Features include a spacious eat-in kitchen, dedicated laundry room, and a newer HVAC system (2023), reducing future maintenance costs. The functional layout and recent modern updates make it ideal for long-term tenant retention. Whether you're expanding your rental portfolio or looking for steady cash flow in an appreciating neighborhood, this property delivers immediate returns with upside potential.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$534
DP3 Annual Estimate$802
DP1 Monthly Equivalent$44
DP3 Monthly Equivalent$67
Replacement Value$53,500
Basis1,056 sqft / 1985
Nearby Houses
Photo unavailable
2421 33rd Ave N
sold · 0.04 mi
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3 bd / 1 ba · 2,168 sqft
Latest sale: $9,000 on May 07, 2018
Latest rent: —
Photo unavailable
3312 25th St N
sold · 0.06 mi
Price: $5,000
2 bd / 2 ba
Latest sale: $5,000 on Jul 12, 2016
Latest rent: —
Photo unavailable
2429 32nd Ave N
sold · 0.07 mi
Price: $28,500
3 bd / 1 ba · 1,400 sqft
Latest sale: $28,500 on Apr 19, 2022
Latest rent: —
Photo unavailable
2417 32nd Ave N
sold · 0.09 mi
Price: $10,500
3 bd / 2 ba
Latest sale: $10,500 on Aug 30, 2016
Latest rent: —
Photo unavailable
3100 25th St N
sold · 0.11 mi
Price: $4,500
3 bd / 1 ba
Latest sale: $4,500 on May 10, 2018
Latest rent: —
Photo unavailable
2416 34th Ave N
sold · 0.13 mi
Price: $75,000
5 bd / 2 ba · 2,064 sqft
Latest sale: $75,000 on Dec 29, 2025
Latest rent: —
Photo unavailable
2404 31st Ave N
sold · 0.13 mi
Price: $112,500
4 bd / 2 ba · 1,488 sqft
Latest sale: $112,500 on Apr 16, 2024
Latest rent: —
Photo unavailable
2521 35th Ave N
sold · 0.15 mi
Price: $44,000
4 bd / 2 ba · 2,151 sqft
Latest sale: $44,000 on Nov 29, 2019
Latest rent: —
Photo unavailable
2425 N 35th Ave
sold · 0.15 mi
Price: $67,000
5 bd / 3 ba · 3,084 sqft
Latest sale: $67,000 on Sep 01, 2022
Latest rent: —
Photo unavailable
2313 32nd Ave N
sold · 0.17 mi
Price: $14,000
4 bd / 2 ba · 1,648 sqft
Latest sale: $14,000 on Feb 28, 2019
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible smoke detectors in photos (potential automatic NSPIRE fail if missing).
- No visible carbon monoxide detector (verify requirement based on fuel appliances).
- GFCI protection for kitchen/bath outlets not shown — must be confirmed to meet code/NSPIRE.
- Key systems (water heater, electrical panel) not photographed — their condition is unverified and should be confirmed prior to inspection.
Assumptions
- HVAC is operational as stated in listing (installed 2023) and vents visible are connected to it.
- Electrical service panel and water heater exist and are functional but were not photographed; no signs of active leaks or water damage were observed.
- Kitchen stove and refrigerator shown are present and functional; missing appliances are not a major issue since these are shown.
- No smoke or CO detectors were visible in the photos; assume they are either missing or not in photographed locations and must be verified/installed.
- GFCI protection for kitchen/bath outlets is not visible in photos and should be verified during inspection.
- Front entry may have a deadbolt but it is not visible in photos; assume tenant-grade security hardware may require verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2020 | $320 | $55,300 | $5,540 |
| 2019 | $330 | $55,300 | $5,540 |
| 2018 | $344 | — | — |
| 2017 | $344 | $57,400 | $5,740 |
| 2016 | $344 | $57,400 | $5,740 |
| 2015 | $344 | $57,400 | $5,740 |
| 2013 | $325 | $56,400 | $5,640 |
| 2012 | $325 | $56,400 | $5,640 |
| 2011 | $332 | $57,400 | $5,740 |
| 2010 | $332 | $57,400 | $5,740 |
| 2009 | $332 | $57,400 | $5,740 |
| 2008 | $352 | $60,200 | $6,020 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2023-04-06 | Sold | $63,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2023-08-16 | Listed for rent | $1,350 | — |
| 2023-08-02 | Listed for rent | $1,350 | — |
Photo Gallery
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"runs": [
{
"summary": "Overall the property appears largely turnkey with cosmetic updates, new flooring, functioning kitchen appliances present, and a reported 2023 HVAC replacement. The biggest inspection risk is the absence of visible smoke and CO detectors and unverified GFCI protection at kitchen/bath outlets — these are quick fixes but could cause an NSPIRE fail if missing at inspection. Major systems appear intact with no visible structural or moisture issues. Expected to be rentable for Section 8 after addressing detector/GFCI verification (and installing any missing devices) and performing light cleaning and minor repairs. Estimated readiness timeline: 1–3 weeks for inspection-ready if detectors and panels are serviceable; longer only if hidden systems require repair.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior shows recent cosmetic updates (new LVP flooring, fresh paint, clean-looking walls and cabinets). Kitchen and appliances (range, fridge, range hood) present which reduces capital cost. Minor deferred items visible: painted porch and stairs have chipping paint, bathtub has staining/soiling that needs cleaning or refinishing, baseboard/trim touch-ups. No visible collapsed surfaces or exposed subfloor. These are mostly easy-to-fix cosmetic or capital items (cleaning, paint, minor carpentry)."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life‑threatening hazards in photos (no sagging ceilings, visible leaks, or exposed wiring). However, smoke detectors and carbon monoxide detectors are not visible in the provided images — absence would be an automatic NSPIRE fail. GFCI outlets at kitchen/bath not visible and should be confirmed. Entry has a security screen door; deadbolt not visible in photos. Bedroom egress appears likely (standard windows shown) but full verification required. Because unknown/absent smoke/CO detectors and uncertain GFCI/deadbolt status raise inspection risk, score is moderated to reflect likely minor corrective work but potential immediate fail if detectors are missing."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states a newer HVAC system (2023) and ceiling vents are visible — strong positive for passability. No water heater or electrical panel photos provided, so their condition is unverified; no signs of active leaks or water damage in ceilings or walls observed. Plumbing fixtures and toilet present; bathtub and faucet appear intact though tub needs cleaning. Electrical outlets and covers are present. Given the new HVAC and lack of visible system distress, systems likely functional but some key elements (water heater, service panel) need verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior paint and siding appear recently painted and in serviceable condition. Porch has intact guardrail and stair handrail on at least one side; balusters and rails appear secure in photos. Foundation concrete block shows no visible major cracks or settlement; vents present. Yard and walkway appear level and free of standing water. Minor exterior paint wear on steps/threshold observed. No evidence of infestation, major roof failure, or structural movement in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors in photos (potential automatic NSPIRE fail if missing).",
"No visible carbon monoxide detector (verify requirement based on fuel appliances).",
"GFCI protection for kitchen/bath outlets not shown — must be confirmed to meet code/NSPIRE.",
"Key systems (water heater, electrical panel) not photographed — their condition is unverified and should be confirmed prior to inspection."
],
"confidence": 0.7,
"assumptions": [
"HVAC is operational as stated in listing (installed 2023) and vents visible are connected to it.",
"Electrical service panel and water heater exist and are functional but were not photographed; no signs of active leaks or water damage were observed.",
"Kitchen stove and refrigerator shown are present and functional; missing appliances are not a major issue since these are shown.",
"No smoke or CO detectors were visible in the photos; assume they are either missing or not in photographed locations and must be verified/installed.",
"GFCI protection for kitchen/bath outlets is not visible in photos and should be verified during inspection.",
"Front entry may have a deadbolt but it is not visible in photos; assume tenant-grade security hardware may require verification."
],
"overall_score": 76.0,
"rubric_version": "ns-preset-v1.0"
},
{
"summary": "This property appears to be near rent-ready with mostly cosmetic repairs and cleaning required. Newer HVAC (2023), recent tenant history, intact flooring and appliances shown (stove and fridge) are strong positives. Primary unknowns from photos are smoke/CO alarms, GFCI protection in kitchen/bath, electrical panel and water heater condition — these should be verified before inspection. Likely outcome: with installation/verification of required detectors and any needed GFCI receptacles and minor exterior/porch touch-ups, the unit should pass an initial HCV/NSPIRE inspection within ~1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently painted and floors replaced with new vinyl plank; cabinets and fixtures present. Kitchen has range and refrigerator in photos. Visible cosmetic issues: scuffed/peeling paint on porch steps/rail, minor wall scuffs, tub shows staining/dirt that will require cleaning or refinishing. No visible collapsed finishes or exposed subfloor. Overall mostly cosmetic and easy-to-fix items; missing caulking/cleaning in bathroom and a few paint touch-ups expected."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos: railings present on porch, stairs appear intact, no visible exposed wiring, outlets have cover plates, doors appear lockable and secure. Central HVAC vents visible (listing states HVAC new 2023). Unshown items create uncertainty: no photos of smoke detectors/CO alarms, electrical panel, GFCI protection at kitchen/bath, and no documented water heater. If detectors and GFCIs are present and functioning, property likely compliant. Because these items are not documented in the photos, assign a moderate deduction for unknown required safety devices."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Plumbing / Electrical)",
"score": 75.0,
"rationale": "Listing states newer HVAC (2023) and ceiling/duct vents are visible — a strong positive. Kitchen and bathroom plumbing fixtures are present; stove and refrigerator are shown (stove appears electric). No water heater or electrical service panel photos to confirm condition. Tub/shower hardware appears older but functional. Given the new HVAC claim and visually intact ducts/vents and installed appliances, score moderately high but reduced for lack of visual confirmation of water heater and electrical panel."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior paint and siding appear recently refreshed; foundation cinderblock visible and appears intact. Porch and railing are present and provide guarded entry. Yard is maintained; sidewalk shows typical cracking but no standing water or severe drainage issues evident in photos. Some paint wear and flaking on porch stairs and railings should be repaired to prevent accelerated wood deterioration."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.78,
"assumptions": [
"Listing statement that HVAC was replaced in 2023 is accurate and the system is operational.",
"A water heater is present and functioning though not shown in photos.",
"Electrical panel exists and is in serviceable condition though not photographed.",
"Bedrooms have adequate egress windows (standard double-hung windows visible) though measurements were not taken.",
"Smoke detectors and CO alarms are not visible in photos; assume they may be present but verification is required. If missing, they will need to be installed.",
"Kitchen and bathroom outlets near sinks may not be GFCI-protected based on lack of visible GFCI outlets; assume GFCI verification/installation could be required."
],
"overall_score": 79.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026-02"
},
{
"summary": "This is a largely turnkey single-family rental with recent cosmetic updates and appliances in place. HVAC is reported new (2023). The biggest inspection risks are missing/uncertain items that commonly cause initial Housing Choice Voucher (NSPIRE) fails: smoke/CO detectors and GFCI outlets are not visible in photos and should be confirmed/installed. No major structural, roof, or plumbing failures are evident in the images. Expect a likely pass after confirming alarms/GFCI and performing minor cleaning and finish repairs; estimated rent-ready timeline 1–4 weeks depending on alarm/GFCI installation and verification of water heater/electrical panel.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior photos show recent cosmetic updating: new vinyl plank flooring, fresh paint, intact baseboards and cabinetry. Kitchen appliances (stove and refrigerator) are present. Bathroom fixtures and tub are serviceable but tub shows staining/soiling that will require cleaning or minor refinishing. Exterior porch/steps are painted but show some paint loss and scuffing on treads and trim. Overall visible issues are cosmetic or minor finish repairs rather than major structural defects. These items are easy/fast to fix (cleaning, paint touch-up, minor trim repair)."
},
{
"key": "safety_code",
"label": "Safety & code compliance risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards in the photos: no collapsed ceilings, visible major water intrusion, standing water, or exposed wiring. Porch has a guardrail and stair rail. Entry has a security/metal storm door which likely provides a deadbolt. However, smoke detectors are not visible in the interior photos and a CO alarm is not shown; GFCI protection in kitchen/bath is not visible. Electrical panel, water heater and hot water function are not shown. Bedroom windows appear to offer egress but measurements are not confirmed. Because required alarms and GFCI protection are not visible (common initial fail items for a HCV inspection), there is moderate compliance risk until confirmed or installed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Listing states a newer HVAC system (2023), which is a strong positive and reduces inspection risk for heating/cooling. Visible ceiling vents and no signs of active leaks. Plumbing fixtures, toilet and sink are present; tub/shower hardware is present though shower head appears older. Electrical service/panel and water heater were not photographed and must be confirmed functional. Roof edges visible from porch show no obvious sagging or failure in photos. Overall systems appear functional with some unknowns that should be verified (water heater, electrical panel condition)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 82.0,
"rationale": "Exterior siding, painted foundation block and crawlspace vents are visible and appear intact. Front porch, steps and railing are present and functionally secure though paint and some minor wood wear/peeling are evident. Yard and sidewalk appear maintained with no visible standing water or debris accumulation. No signs of infestation, major foundation displacement, or roof collapse are visible from supplied exterior images. Minor exterior finish work and paint touch-ups recommended."
},
{
"key": "rental_history_activity",
"label": "Recent rental evidence (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"HVAC is functioning and properly connected as stated (2023 install).",
"Hot water heater exists on site and provides hot water; photographed units not shown but assumed functional.",
"No active leaks, hidden mold, or major structural issues exist beyond what is visible in photos (no signs of stains or sagging ceilings).",
"Smoke detectors and CO alarms may be present but are not visible in photos — if absent they will need to be installed (likely single-family requirement).",
"Electrical panel is present and intact but was not photographed; no visible exposed wiring in living spaces.",
"Bedrooms have code-compliant egress windows (size not measured in photos but appear typical).",
"Kitchen and bathroom plumbing are operational though not fully tested from photos.",
"Appliances shown (stove, refrigerator) are functional or will be made functional prior to tenancy; missing small items (microwave, curtain rods) are cosmetic.",
"Exterior roof beyond porch edge appears intact; no major roof failure based on visible eaves and soffit condition.",
"Minor finish issues (paint touch-ups, tub cleaning/refinish) are considered easy-to-fix capital items."
],
"overall_score": 77.0,
"rubric_version": "2026-02-hud-nspire-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3221 25th St N, Birmingham, AL, 35207",
"aggregate": {
"summary": "Overall the property appears largely turnkey with cosmetic updates, new flooring, functioning kitchen appliances present, and a reported 2023 HVAC replacement. The biggest inspection risk is the absence of visible smoke and CO detectors and unverified GFCI protection at kitchen/bath outlets — these are quick fixes but could cause an NSPIRE fail if missing at inspection. Major systems appear intact with no visible structural or moisture issues. Expected to be rentable for Section 8 after addressing detector/GFCI verification (and installing any missing devices) and performing light cleaning and minor repairs. Estimated readiness timeline: 1–3 weeks for inspection-ready if detectors and panels are serviceable; longer only if hidden systems require repair.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior shows recent cosmetic updates (new LVP flooring, fresh paint, clean-looking walls and cabinets). Kitchen and appliances (range, fridge, range hood) present which reduces capital cost. Minor deferred items visible: painted porch and stairs have chipping paint, bathtub has staining/soiling that needs cleaning or refinishing, baseboard/trim touch-ups. No visible collapsed surfaces or exposed subfloor. These are mostly easy-to-fix cosmetic or capital items (cleaning, paint, minor carpentry)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.7,
"rationale": "Exterior paint and siding appear recently painted and in serviceable condition. Porch has intact guardrail and stair handrail on at least one side; balusters and rails appear secure in photos. Foundation concrete block shows no visible major cracks or settlement; vents present. Yard and walkway appear level and free of standing water. Minor exterior paint wear on steps/threshold observed. No evidence of infestation, major roof failure, or structural movement in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history (last 5 years) - bonus",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 66.7,
"rationale": "No obvious life‑threatening hazards in photos (no sagging ceilings, visible leaks, or exposed wiring). However, smoke detectors and carbon monoxide detectors are not visible in the provided images — absence would be an automatic NSPIRE fail. GFCI outlets at kitchen/bath not visible and should be confirmed. Entry has a security screen door; deadbolt not visible in photos. Bedroom egress appears likely (standard windows shown) but full verification required. Because unknown/absent smoke/CO detectors and uncertain GFCI/deadbolt status raise inspection risk, score is moderated to reflect likely minor corrective work but potential immediate fail if detectors are missing."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states a newer HVAC system (2023) and ceiling vents are visible — strong positive for passability. No water heater or electrical panel photos provided, so their condition is unverified; no signs of active leaks or water damage in ceilings or walls observed. Plumbing fixtures and toilet present; bathtub and faucet appear intact though tub needs cleaning. Electrical outlets and covers are present. Given the new HVAC and lack of visible system distress, systems likely functional but some key elements (water heater, service panel) need verification."
}
],
"red_flags": [
"No visible smoke detectors in photos (potential automatic NSPIRE fail if missing).",
"No visible carbon monoxide detector (verify requirement based on fuel appliances).",
"GFCI protection for kitchen/bath outlets not shown — must be confirmed to meet code/NSPIRE.",
"Key systems (water heater, electrical panel) not photographed — their condition is unverified and should be confirmed prior to inspection."
],
"confidence": 0.94,
"assumptions": [
"HVAC is operational as stated in listing (installed 2023) and vents visible are connected to it.",
"Electrical service panel and water heater exist and are functional but were not photographed; no signs of active leaks or water damage were observed.",
"Kitchen stove and refrigerator shown are present and functional; missing appliances are not a major issue since these are shown.",
"No smoke or CO detectors were visible in the photos; assume they are either missing or not in photographed locations and must be verified/installed.",
"GFCI protection for kitchen/bath outlets is not visible in photos and should be verified during inspection.",
"Front entry may have a deadbolt but it is not visible in photos; assume tenant-grade security hardware may require verification."
],
"score_method": "mean_of_criteria",
"overall_score": 74.8,
"rubric_version": "ns-preset-v1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7704681064"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.