Property ID: 7715324602
2015 36th Ave 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
$4,800
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$120,000
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: 81.70%
Confidence: 95.00%
Overall this property appears to be turnkey for Section 8 tenancy: recent roof (2024) and relatively new HVAC per listing, move-in condition interior with appliances included, and well-maintained exterior. The most likely inspection issues are administrative/housekeeping or small safety fixes typically resolved quickly (installing/confirming smoke/CO detectors, adding GFCI protection if missing, confirming egress windows). With minor corrective work (if any), the home is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.
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
$120,000
Beds
3
Baths
1
Living Area
1,600 sqft
Lot Size
6,970 sqft
Year Built
1960
Days on Market
110
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Price Reduction, Monthly payments less than rent, and located right behind the High School! An absolute DOLL HOUSE and in great condition. This 3 bedroom, 1 bath with gorgeous hardwood floors is the perfect one level home. Roof was replaced in 2024 and HVAC have been replaced within the past 2-3 years per owner. Nice level lot with main level parking. The interior and exterior have been updated and is in move-in condition. Offered at $125,000 this one is in amazing condition. Stove and refrigerator remain with the home. Move-in ready.
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$666
DP3 Annual Estimate$960
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$80
Replacement Value$76,300
Basis1,600 sqft / 1960
Nearby Houses
Photo unavailable
2000 36th Ave N
sold · 0.05 mi
Price: $45,000
2 bd / 1 ba · 936 sqft
Latest sale: $45,000 on Jul 27, 2023
Latest rent: $975 on Jan 25, 2024
Photo unavailable
1909 36th Ave N
for_sale · 0.10 mi
Price: $105,000
3 bd / 1 ba · 1,504 sqft
Latest sale: $17,000 on Mar 01, 1973
Latest rent: —
Photo unavailable
1917 35th Ave N
sold · 0.11 mi
Price: $25,000
3 bd / 1 ba · 1,232 sqft
Latest sale: $25,000 on Feb 20, 2020
Latest rent: —
Photo unavailable
1930 34th Ave N
sold · 0.12 mi
Price: $140,000
3 bd / 1 ba · 1,258 sqft
Latest sale: $140,000 on Aug 19, 2024
Latest rent: —
Photo unavailable
2121 35th Ave N
sold · 0.13 mi
Price: $80,000
3 bd / 2 ba · 1,917 sqft
Latest sale: $80,000 on Mar 29, 2024
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
Assumptions
- Roof was replaced in 2024 as stated in the listing and shows no visible failure.
- HVAC was replaced within the last 2–3 years per owner statement and is operational.
- Stove and refrigerator remain with the home per listing and are functional unless determined otherwise at inspection.
- Smoke detectors and carbon monoxide alarms are not visible in provided photos; their absence is assumed until confirmed and would need verification/installation.
- GFCI protection in kitchen and bathroom outlets is not visible and is assumed unconfirmed; may require installation if missing.
- Bedroom egress window dimensions cannot be confirmed from photos; assumed likely adequate given age/style of home but must be measured at inspection.
- Water heater, electrical panel, and hot water operation were not photographed; assumed present and functional but should be verified during inspection.
- Front steps appear to have only a few risers; assumed not to require a handrail by local code, but this must be verified in-person.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,197 | $81,100 | $16,220 |
| 2023 | $1,197 | $82,600 | $16,520 |
| 2022 | $884 | $61,000 | $12,200 |
| 2021 | $884 | $61,000 | $12,200 |
| 2020 | $884 | $61,000 | $12,200 |
| 2019 | $884 | $61,000 | $12,200 |
| 2018 | $739 | $51,000 | $10,200 |
| 2017 | $739 | $51,000 | $10,200 |
| 2016 | $739 | $51,000 | $10,200 |
| 2015 | $739 | $51,000 | $10,200 |
| 2013 | $712 | $50,200 | $10,040 |
| 2012 | $712 | $50,190 | $10,038 |
| 2011 | $723 | $51,000 | $10,200 |
| 2010 | $723 | $51,000 | $10,200 |
| 2009 | $723 | $51,000 | $10,200 |
| 2008 | $758 | $53,500 | $10,700 |
| 2007 | $722 | $50,900 | $10,180 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-12-29 | Price Changed | $120,000 |
| 2025-12-09 | Price Changed | $125,000 |
| 2025-10-29 | Listed | $130,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2015-08-07 | Listed for rent | $650 | — |
Photo Gallery
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"price": 120000,
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"list_price": 120000,
"listing_id": "2987828969",
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"price_sqft": 75,
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{
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"price": 125000,
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"list_date": "2025-10-29T18:38:10Z",
"list_price": 120000,
"listing_id": "2987828969",
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"days_after_listed": null,
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{
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"list_price": 120000,
"listing_id": "2987828969",
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"price_sqft": 81.25,
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"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears to be turnkey for Section 8 tenancy: recent roof (2024) and relatively new HVAC per listing, move-in condition interior with appliances included, and well-maintained exterior. The most likely inspection issues are administrative/housekeeping or small safety fixes typically resolved quickly (installing/confirming smoke/CO detectors, adding GFCI protection if missing, confirming egress windows). With minor corrective work (if any), the home is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 88.0,
"rationale": "Photos and listing describe a recently updated interior/exterior with hardwood floors in good condition, finished cabinetry, intact counters and a double kitchen sink. Listing confirms roof replaced 2024 and HVAC replaced within 2–3 years. Stove and refrigerator are stated to remain with the home. No visible cosmetic damage, stains, or deferred maintenance in provided images. Minor unknowns (window/blind wear, small touch-up paint) are likely cosmetic only and easy to fix."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No visible active life‑threatening hazards in photos (no standing water, no collapsed ceilings, no exposed wiring). Entry door shows a knob and what appears to be a separate lock—likely a deadbolt. Fireplace looks decorative and safe in image. However, critical safety items are not visible: smoke detectors/CO alarms are not shown, GFCI presence in kitchen/bath is not verifiable, bedroom egress windows cannot be confirmed as meeting NSPIRE minimums from photos, and plumbing/hot water operation not shown. Because these items are frequently required and often remedied quickly, this is rated as moderate risk rather than a fail."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Listing asserts roof replaced in 2024 and HVAC replaced 2–3 years ago — both significant positive indicators of system health. No visual signs of roof or structural failure, and interior finishes indicate no recent active leaks. Electrical and plumbing systems are not visible; no electrical panel or water heater photos provided. Given recent major system updates claimed and no visible system distress, score reflects likely good condition but with standard uncertainty about unseen components (water heater, electrical panel, GFCI outlets)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Exterior photo shows a well-maintained facade with brick and siding in good condition, level lot and maintained lawn. Walkway and small front steps look intact; no visible foundation cracking, sagging, or significant drainage issues in provided images. Landscaping is trimmed and yard appears free of debris or obvious safety hazards."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": [
"Roof was replaced in 2024 as stated in the listing and shows no visible failure.",
"HVAC was replaced within the last 2–3 years per owner statement and is operational.",
"Stove and refrigerator remain with the home per listing and are functional unless determined otherwise at inspection.",
"Smoke detectors and carbon monoxide alarms are not visible in provided photos; their absence is assumed until confirmed and would need verification/installation.",
"GFCI protection in kitchen and bathroom outlets is not visible and is assumed unconfirmed; may require installation if missing.",
"Bedroom egress window dimensions cannot be confirmed from photos; assumed likely adequate given age/style of home but must be measured at inspection.",
"Water heater, electrical panel, and hot water operation were not photographed; assumed present and functional but should be verified during inspection.",
"Front steps appear to have only a few risers; assumed not to require a handrail by local code, but this must be verified in-person."
],
"overall_score": 81.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single-family appears largely turnkey for Section 8 / HCV occupancy. Recent roof and HVAC replacements (per listing), intact hardwoods, clean kitchen, and a well-maintained exterior point to minimal repairs. The primary inspection risks are verification items: presence/operation of smoke and CO detectors, GFCI protection in kitchen/bath, handrail/guard confirmation at the entry (if required), and functional hot water/electrical panel. If detectors and GFCIs are present and systems test OK, the property is likely to pass an initial NSPIRE inspection with only minor fixes (within 1–2 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing describe a recently updated interior and exterior with intact hardwood floors, clean kitchen cabinets and counters, and included appliances (stove and refrigerator). No visible drywall damage, staining, or flooring failure. Minor cosmetic items (window blinds, landscaping trim) may remain. Missing or worn outlet covers, minor touch-up paint, or threshold wear are possible but unlikely to be significant. Based on visible condition and listing claims, only minor/cosmetic repairs are expected."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "No life‑threatening hazards are evident in photos. Entry door appears secure and likely has locks; windows look intact and bedrooms likely have windows for egress (not all bedrooms photographed). However, smoke detectors and carbon monoxide detectors are not visible in the images (NSPIRE requires working smoke detectors in hallways and CO detectors where fuel appliances or attached garages exist). GFCI outlets in kitchen/bath are not visible in photos. No exposed wiring, active leaks, or major tripping hazards are apparent. The front steps do not show a handrail in photos; if rise is low this may be acceptable but needs confirmation. Overall moderate risk due to missing verification of detectors and GFCIs."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 80.0,
"rationale": "Listing states roof replaced in 2024 and HVAC replaced within past 2–3 years; photos show a sound roofline and no visible roof damage. Kitchen plumbing fixtures appear functional (double basin sink, faucet). Electrical panel, water heater, and sewer/drain condition are not visible; assume typical functional condition given overall updated appearance. Because major systems are claimed recent and no signs of failure are visible, score reflects likely operational systems with typical verification tasks required (test HVAC, hot water, electrical panel)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 88.0,
"rationale": "Exterior photo shows clean siding/brick, level lot, modest landscaping, and a straight foundation line with no visible major cracks or settling. Main level parking and steps to entry appear serviceable. Drainage features and gutters are not visible in photos but roof replacement suggests recent exterior work. No signs of standing water, severe neglect, or infestation were visible."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide detectors visible in photos — must verify and install/test if missing.",
"No visible GFCI receptacles in kitchen photo — verify and install GFCI protection in kitchen and bathroom if absent.",
"Handrail not visible at front steps in photos — confirm whether required based on step height and install if necessary."
],
"confidence": 0.65,
"assumptions": [
"Stove and refrigerator are present as listed and functional.",
"HVAC units replaced within past 2–3 years are operational (no visible indoor evidence of failure).",
"Roof replaced in 2024 is intact with no active leaks (listing claim accurate).",
"Bedrooms have egress windows that meet minimum size (not explicitly shown).",
"Water heater and electrical panel exist and are serviceable though not shown in photos.",
"No active mold, severe lead-risk paint, or hidden structural movement beyond what is visible.",
"Front step rise is small; if higher than typical a handrail may be required."
],
"overall_score": 82.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Turnkey-looking 3-bed/1-bath single family home with updated roof (2024) and relatively new HVAC. Interior photos and listing indicate move-in condition, included appliances, and good exterior maintenance. Likely to pass an initial HCV/NSPIRE inspection with routine verification items and small fixes (confirm smoke/CO detectors, GFCI in kitchen, and handrail if required).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 88.0,
"rationale": "Photos and listing indicate a recently updated interior and exterior with hardwood floors, intact cabinetry, clean countertops and trim, and included stove and refrigerator. No visible drywall, flooring, or finish defects. Minor landscaping and no visible cosmetic deferred maintenance. Missing or worn small items not visible (outlet covers, minor touch-ups) would be easy fixes."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code risk",
"score": 75.0,
"rationale": "No visible exposed wiring, obvious water intrusion, mold, or structural failure in the photos. Entry door appears to have a lock (deadbolt likely present). Bedroom egress cannot be fully confirmed but windows look full-size. Smoke and CO detectors are not visible in photos (cannot confirm). GFCI outlets near the kitchen sink are not visible. Steps to the entry are visible but handrail/guardrail condition and rise height are not clearly shown. Overall likely compliant but several required safety items could not be confirmed from imagery and need on-site verification."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing states roof replaced in 2024 and HVAC replaced within last 2–3 years which supports good system condition. Kitchen sink and fixtures appear intact. No water stains or signs of roof/plumbing leaks visible. Electrical panel and water heater are not shown, so full verification is required. Given recent roof/HVAC claims and clean visible finishes, major systems appear in good condition but are only partially verifiable from photos and seller claims."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and immediate hazards",
"score": 85.0,
"rationale": "Exterior brick, siding, windows and roofline appear well-maintained. Yard and sidewalks are level and trimmed; no visible standing water, major cracking, or foundation settling in photos. Driveway/main-level parking present. Steps to entry are visible; handrail requirement unclear based on step height. No visible pest infestation or overgrowth."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": 0.7,
"assumptions": [
"Stove and refrigerator are present and operational as stated in the listing but not visible in provided photos.",
"Smoke and carbon monoxide detectors exist and are functional though not visible in the photos; their presence will need on-site verification.",
"GFCI protection for kitchen (and bathroom) outlets is present but could not be confirmed from images.",
"HVAC and roof condition are accepted per seller statement (roof replaced 2024; HVAC replaced within 2–3 years).",
"Entry steps are low-rise and do not require a handrail per local code; if rise exceeds code thresholds, a handrail may be needed.",
"No active leaks, severe mold, or electrical hazards are present beyond what is visible; lack of visible distress supports that but on-site checks required."
],
"overall_score": 82.0,
"rubric_version": "ns-pinspect-v1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2015 36th Ave N, Birmingham, AL, 35207",
"aggregate": {
"summary": "Overall this property appears to be turnkey for Section 8 tenancy: recent roof (2024) and relatively new HVAC per listing, move-in condition interior with appliances included, and well-maintained exterior. The most likely inspection issues are administrative/housekeeping or small safety fixes typically resolved quickly (installing/confirming smoke/CO detectors, adding GFCI protection if missing, confirming egress windows). With minor corrective work (if any), the home is likely to pass an initial HCV/NSPIRE inspection within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 87.0,
"rationale": "Photos and listing describe a recently updated interior/exterior with hardwood floors in good condition, finished cabinetry, intact counters and a double kitchen sink. Listing confirms roof replaced 2024 and HVAC replaced within 2–3 years. Stove and refrigerator are stated to remain with the home. No visible cosmetic damage, stains, or deferred maintenance in provided images. Minor unknowns (window/blind wear, small touch-up paint) are likely cosmetic only and easy to fix."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 86.0,
"rationale": "Exterior photo shows a well-maintained facade with brick and siding in good condition, level lot and maintained lawn. Walkway and small front steps look intact; no visible foundation cracking, sagging, or significant drainage issues in provided images. Landscaping is trimmed and yard appears free of debris or obvious safety hazards."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 73.3,
"rationale": "No visible active life‑threatening hazards in photos (no standing water, no collapsed ceilings, no exposed wiring). Entry door shows a knob and what appears to be a separate lock—likely a deadbolt. Fireplace looks decorative and safe in image. However, critical safety items are not visible: smoke detectors/CO alarms are not shown, GFCI presence in kitchen/bath is not verifiable, bedroom egress windows cannot be confirmed as meeting NSPIRE minimums from photos, and plumbing/hot water operation not shown. Because these items are frequently required and often remedied quickly, this is rated as moderate risk rather than a fail."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 80.0,
"rationale": "Listing asserts roof replaced in 2024 and HVAC replaced 2–3 years ago — both significant positive indicators of system health. No visual signs of roof or structural failure, and interior finishes indicate no recent active leaks. Electrical and plumbing systems are not visible; no electrical panel or water heater photos provided. Given recent major system updates claimed and no visible system distress, score reflects likely good condition but with standard uncertainty about unseen components (water heater, electrical panel, GFCI outlets)."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Roof was replaced in 2024 as stated in the listing and shows no visible failure.",
"HVAC was replaced within the last 2–3 years per owner statement and is operational.",
"Stove and refrigerator remain with the home per listing and are functional unless determined otherwise at inspection.",
"Smoke detectors and carbon monoxide alarms are not visible in provided photos; their absence is assumed until confirmed and would need verification/installation.",
"GFCI protection in kitchen and bathroom outlets is not visible and is assumed unconfirmed; may require installation if missing.",
"Bedroom egress window dimensions cannot be confirmed from photos; assumed likely adequate given age/style of home but must be measured at inspection.",
"Water heater, electrical panel, and hot water operation were not photographed; assumed present and functional but should be verified during inspection.",
"Front steps appear to have only a few risers; assumed not to require a handrail by local code, but this must be verified in-person."
],
"score_method": "mean_of_criteria",
"overall_score": 81.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7715324602"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.