3311 33rd Pl N, Birmingham, AL, 35207
Birmingham, AL
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Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 64.50%
Confidence: 83.00%
The property appears to have undergone a substantial cosmetic and systems refresh and would likely pass many NSPIRE checklist items after addressing a small number of targeted safety items. Primary concerns for an initial HCV inspection are the lack of visible smoke/CO detectors, window security bars that may obstruct egress, absence of a handrail on the front steps, missing GFCI visibility at the kitchen sink area, and incomplete kitchen finish work and appliance installation. If the owner confirms smoke/CO alarms, a compliant method of egress (or quick-release bars), proper TPR drain for the water heater, and a working heating source, this house would likely be rent-ready within 1–3 weeks. Without those confirmations, an inspector may place several conditional failures related to life-safety and egress.
Property Fundamentals
Property Description
Don't miss the opportunity to own this fully remodeled property, featuring updates from the front door to the back door. The home boasts a new roof, updated electrical and plumbing systems, new flooring throughout, and elegant granite countertops.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- Window security bars on multiple windows that likely obstruct egress (major NSPIRE/egress concern)
- No visible smoke detectors or carbon monoxide alarms in photos (life-safety failure if not installed)
- Front steps lack a handrail (unsafe stairs / code concern)
- No clearly visible heating system (no furnace/central heat visible) — heating must be verified
- Water heater installation lacks visible TPR discharge piping or platform in photos (installation/venting/TPR concerns)
Assumptions
- Listing statement of 'new roof' and 'updated electrical and plumbing' is accurate though roof and electrical panel were not photographed.
- Window-mounted AC is present and functioning; no central HVAC unit is visible — assume tenant heating source must be confirmed.
- Window security bars are fixed (non-quick-release) based on photo appearance; if they are quick-release from the inside this reduces the egress risk.
- Water heater is newly installed but visible TPR discharge pipe and final mechanical connections were not shown in photos; assume professional installation but require verification of TPR drain and elevation/clearances.
- No smoke detectors or CO alarms were visible in the photos; assume they are not installed or not yet reinstalled after remodel unless owner confirms.
- Electrical panel, service grounding, and GFCI protection were not photographed; assume basic compliance but require verification during inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $884 | $50,200 | $10,040 |
| 2023 | $884 | $61,000 | $12,200 |
| 2022 | $706 | $48,700 | $9,740 |
| 2008 | $208 | $39,600 | $3,960 |
| 2007 | $205 | $39,000 | $3,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-06-10 | Sold | $80,000 |
| 2021-09-03 | Sold | $10,386 |
Photo Gallery
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"summary": "The property appears to have undergone a substantial cosmetic and systems refresh and would likely pass many NSPIRE checklist items after addressing a small number of targeted safety items. Primary concerns for an initial HCV inspection are the lack of visible smoke/CO detectors, window security bars that may obstruct egress, absence of a handrail on the front steps, missing GFCI visibility at the kitchen sink area, and incomplete kitchen finish work and appliance installation. If the owner confirms smoke/CO alarms, a compliant method of egress (or quick-release bars), proper TPR drain for the water heater, and a working heating source, this house would likely be rent-ready within 1–3 weeks. Without those confirmations, an inspector may place several conditional failures related to life-safety and egress.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Interior appears recently renovated: new-looking luxury vinyl plank flooring throughout, fresh paint, new bathtub surround, new toilet and vanity, and a new-looking water heater. Some kitchen finish work is incomplete (cabinet door open/missing, exposed counter edge / particle board), and there is some construction debris. Missing major appliances (stove/fridge not visible) but that is a moderate, easily remedied item. Overall cosmetic condition is good with a few finish carpentry and cleanup items."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 40.0,
"rationale": "Multiple potential NSPIRE safety risks visible or not verifiable: no smoke detectors or CO alarm visible in photos; decorative/security window bars are installed on multiple windows and appear fixed from the photos (these can block required bedroom/egress escape routes if not quick-release); front entry steps lack a handrail which may be flagged depending on local code and inspector judgment; no visible GFCI device at the kitchen sink area; water heater piping/TPR discharge pipe not visible in photos. Because egress and alarm devices are core safety items, these unknowns reduce the safety score significantly."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 60.0,
"rationale": "Listing states new roof and updated electrical/plumbing; photos show a new AO Smith water heater and clean plumbing fixtures. HVAC appears to be a window AC in the living room (no central HVAC or furnace visible), so heating source is not evident in photos — this may be acceptable if there is a functional heating device but must be confirmed. Electrical panel not photographed; outlets and switches have covers. Given visible new water heater and updated finishes but lack of confirmation of central heat and missing panel view/TPR drain, systems score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and porch appear intact; roof replacement is claimed (not directly verifiable from provided photos). Concrete front steps and small walkway are serviceable but show no handrail and the walkway has minor unevenness. Yard and site show typical minor deferred maintenance (grass/weeds) but no evidence of standing water, major foundation cracks, or collapsed elements in photos."
}
],
"red_flags": [
"Window security bars on multiple windows that likely obstruct egress (major NSPIRE/egress concern)",
"No visible smoke detectors or carbon monoxide alarms in photos (life-safety failure if not installed)",
"Front steps lack a handrail (unsafe stairs / code concern)",
"No clearly visible heating system (no furnace/central heat visible) — heating must be verified",
"Water heater installation lacks visible TPR discharge piping or platform in photos (installation/venting/TPR concerns)"
],
"confidence": 0.7,
"assumptions": [
"Listing statement of 'new roof' and 'updated electrical and plumbing' is accurate though roof and electrical panel were not photographed.",
"Window-mounted AC is present and functioning; no central HVAC unit is visible — assume tenant heating source must be confirmed.",
"Window security bars are fixed (non-quick-release) based on photo appearance; if they are quick-release from the inside this reduces the egress risk.",
"Water heater is newly installed but visible TPR discharge pipe and final mechanical connections were not shown in photos; assume professional installation but require verification of TPR drain and elevation/clearances.",
"No smoke detectors or CO alarms were visible in the photos; assume they are not installed or not yet reinstalled after remodel unless owner confirms.",
"Electrical panel, service grounding, and GFCI protection were not photographed; assume basic compliance but require verification during inspection."
],
"overall_score": 63.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "The property appears largely renovated and close to Section 8 rent-ready, but there are several NSPIRE risk items to address before or during inspection. Major positives: new flooring, fixtures, tub surround, fresh paint, new water heater, and apparently updated electrical/plumbing per listing. Primary inspection risks: missing/undocumented smoke (and CO) alarms, window security bars that may block emergency egress, water heater installation details (TPR/discharge and secure plumbing/electrical connections), and lack of visible GFCI protection at wet locations. With the safety items corrected (install hardwired or battery smoke detectors in required locations, ensure bedroom egress free or bars have quick-release, complete water heater plumbing and install required discharge pipe, add GFCI where required), this unit should be able to pass an initial Housing Choice Voucher/NSPIRE inspection within 1–3 weeks. Missing kitchen appliances will affect marketability but are moderate from an NSPIRE perspective.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring, fresh paint, new vanity, tub surround, and ceiling fixtures. Visible finishes look in good condition. Moderate unfinished items observed: kitchen cabinets/countertop edge and cabinet faces appear incomplete, water heater currently located in the kitchen footprint (looks recently installed but not fully integrated), no stove/refrigerator shown in photos. Minor debris and open cabinet doors. Overall cosmetic and finish condition is good; missing appliances and a few finish/cabinet items reduce the score moderately."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are unclear or potentially noncompliant from photos: no smoke detectors visible in living/bedroom/bath photos (required), no carbon monoxide alarm visible (if required by local code), window security bars are present on ground‑floor windows and may impede emergency egress unless they have an approved quick-release mechanism, kitchen plumbing/water heater piping is exposed and TPR/overflow pipe not visible which could be an installation defect, no obvious GFCI receptacle at sink shown, and one blank/switch plate area appears unfinished. Entry door appears secure with a security screen. There are no visible severe hazards (no sagging ceilings, major water intrusion, mold, or exposed live wiring), but the noted items are likely inspection triggers that must be addressed before or at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing)",
"score": 70.0,
"rationale": "Listing states new roof and updated electrical and plumbing; photos show a new electric water heater (AO Smith) and modern plumbing fixtures. Electrical outlets and new fixtures are present and interior wiring appears largely finished. No electrical panel is shown for verification. HVAC visible is a wall/window AC unit in the living area — no central forced-air system shown; heating source is not visible in photos. Water heater appears newly installed but piping and discharge/trap arrangement appear incomplete or temporarily staged and should be inspected/secured. Overall systems look recently updated but require verification and final connections."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior siding and roofline appear intact from street photo; listing claims a new roof which is consistent with the clean roofline. Front porch and concrete stoop show normal wear; there is a short set of steps without a handrail (handrail not required for 1-2 risers but verify local code). Yard and walkway are functional but minimally maintained. Security bars on windows improve intrusion resistance but raise egress concerns. No visible standing water, foundation cracks, or collapsed elements in provided exterior photo."
}
],
"red_flags": [
"Window security bars on main windows may block emergency egress if not quick-release — potential NSPIRE fail.",
"Water heater appears to be staged in living/kitchen area with exposed hoses and no visible TPR/discharge pipe — potential safety/installation defect.",
"No visible smoke detectors or CO alarm in photos — required for NSPIRE compliance.",
"No visible GFCI protection at sink area in photos; kitchen wet‑area protection unclear.",
"Kitchen cabinetry/counter finish appears incomplete and appliances (stove/fridge) not present in photos (affects readiness)."
],
"confidence": 0.65,
"assumptions": [
"Listing statement that electrical and plumbing were updated is accurate and represents recent work not fully shown in photos.",
"The photographed water heater is electric and newly installed but piping and final connections may be incomplete or staged.",
"Bedrooms exist with at least one window each (three-bed house) but bedroom egress windows may have the same security bars as shown in living/kitchen photos.",
"Smoke and carbon monoxide alarms are not present or not visible in the provided photos; none were observed in photos submitted.",
"No major roof leaks or foundation movement exist beyond what is visible in the exterior photo; listing's 'new roof' claim is presumed true.",
"Window security bars are fixed-mounted and their operability (quick‑release from inside) is unknown from photos."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "The property appears recently renovated internally with new flooring, fixtures, water heater and cosmetic finishes, and the exterior envelope appears generally intact. However, there are several inspection risks to address before a Housing Choice Voucher/NSPIRE initial inspection will reliably pass: no visible smoke detectors, window security bars that may block egress, lack of a clearly visible heating system, potential missing GFCI protection in the kitchen, and a few unfinished electrical/plumbing finish items. If the seller/owner supplies missing appliances, installs/validates smoke and CO detectors, confirms a working heating system, verifies quick-release egress on window bars or removes them, and corrects any GFCI/exposed-wire issues, the property is likely rent-ready within 2–4 weeks. Without those fixes the property faces moderate inspection failure risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior photos show a recent cosmetic remodel: new LVP flooring, painted walls, new vanity and tub surround, and a new water heater. Fixtures (ceiling fan, lighting) are present. Missing/incomplete items: no visible stove or refrigerator in kitchen photos, cabinet finishes and toe-kicks show unfinished edges, and small debris/finish issues remain. Exterior shows intact siding and a solid porch but some grime and worn concrete walkway. Overall cosmetic condition is good; missing appliances and a few finish items reduce the score moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 50.0,
"rationale": "Serious NSPIRE risks visible or not confirmed: no smoke detectors are visible in living areas or hallways in photos (required). Window security bars are installed on windows; there is no evidence they have a quick-release mechanism — this can fail bedroom egress requirements. Kitchen area shows a standard outlet close to the sink with no visible GFCI device (kitchen GFCI protection required). There is an exposed red cable run near a ceiling corner and the water heater piping/TPR drain is not clearly shown. Entry has a security screen door but deadbolt presence was not verified. These safety items create moderate to significant inspection risk until corrected/verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 55.0,
"rationale": "Listing states new roof and updated electrical/plumbing; photos confirm a new electric water heater and tidy plumbing fixtures. No electrical panel is shown to verify label/condition. Heating equipment is not visible (only a window AC unit is shown) — absence of a visible heating system is a material risk because a working heating source is required. HVAC appears to be a window unit for cooling only; if there is no functioning heating system, that would be an inspection-fail. Water heater appears new and on a pan, but discharge/TPR piping and permanent fuel/electrical connections need verification. Overall systems look recently updated but several confirmations are needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior photos show intact siding, a relatively new-looking roof (listing claim) and a stable front porch. The concrete walkway and curb cut are worn and slightly uneven — a minor trip hazard. The porch has no handrail for the few steps; depending on local requirements this may be acceptable but is a minor deficiency to address. Landscaping is minimal but not presenting safety issues. Security bars on windows improve security but raise egress concerns (noted in safety criteria). No visible standing water, obvious foundation cracks, or major exterior deterioration seen in photos."
}
],
"red_flags": [
"Window security bars on main openings — potential failure of bedroom egress if not quick‑release.",
"No smoke detectors visible in photos (required in sleeping areas and outside sleeping areas).",
"No visible heating system (only a window AC unit shown) — lack of a working heater is an inspection-fail.",
"Potential lack of GFCI protection for kitchen sink area outlet(s).",
"Exposed/unfinished cable near ceiling and unfinished electrical/finish work around kitchen/water heater — electrical connection compliance needs verification."
],
"confidence": 0.6,
"assumptions": [
"Seller listing claim that roof, electrical and plumbing were updated is true (new roof and updated systems) although panel and connections not photographed.",
"Bedrooms and additional areas not shown are in similar renovated condition as photographed rooms.",
"Kitchen appliances (stove, refrigerator) are not present in the photographs and likely not provided; missing appliances are counted as moderate condition deductions but not immediate safety failures.",
"Window security bars do not visibly show quick-release hardware in photos and are assumed non‑compliant for emergency egress unless proven otherwise.",
"No central heating system was visible in photos; assume there may not be a working permanent heating system unless owner confirms (major inspection risk).",
"Water heater is newly installed and functional, but TPR discharge piping and permanent electrical/gas connections need on‑site verification."
],
"overall_score": 61.0,
"rubric_version": "NSPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3311 33rd Pl N, Birmingham, AL, 35207",
"aggregate": {
"summary": "The property appears to have undergone a substantial cosmetic and systems refresh and would likely pass many NSPIRE checklist items after addressing a small number of targeted safety items. Primary concerns for an initial HCV inspection are the lack of visible smoke/CO detectors, window security bars that may obstruct egress, absence of a handrail on the front steps, missing GFCI visibility at the kitchen sink area, and incomplete kitchen finish work and appliance installation. If the owner confirms smoke/CO alarms, a compliant method of egress (or quick-release bars), proper TPR drain for the water heater, and a working heating source, this house would likely be rent-ready within 1–3 weeks. Without those confirmations, an inspector may place several conditional failures related to life-safety and egress.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 75.0,
"rationale": "Interior appears recently renovated: new-looking luxury vinyl plank flooring throughout, fresh paint, new bathtub surround, new toilet and vanity, and a new-looking water heater. Some kitchen finish work is incomplete (cabinet door open/missing, exposed counter edge / particle board), and there is some construction debris. Missing major appliances (stove/fridge not visible) but that is a moderate, easily remedied item. Overall cosmetic condition is good with a few finish carpentry and cleanup items."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 71.7,
"rationale": "Exterior siding and porch appear intact; roof replacement is claimed (not directly verifiable from provided photos). Concrete front steps and small walkway are serviceable but show no handrail and the walkway has minor unevenness. Yard and site show typical minor deferred maintenance (grass/weeds) but no evidence of standing water, major foundation cracks, or collapsed elements in photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 48.3,
"rationale": "Multiple potential NSPIRE safety risks visible or not verifiable: no smoke detectors or CO alarm visible in photos; decorative/security window bars are installed on multiple windows and appear fixed from the photos (these can block required bedroom/egress escape routes if not quick-release); front entry steps lack a handrail which may be flagged depending on local code and inspector judgment; no visible GFCI device at the kitchen sink area; water heater piping/TPR discharge pipe not visible in photos. Because egress and alarm devices are core safety items, these unknowns reduce the safety score significantly."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 61.7,
"rationale": "Listing states new roof and updated electrical/plumbing; photos show a new AO Smith water heater and clean plumbing fixtures. HVAC appears to be a window AC in the living room (no central HVAC or furnace visible), so heating source is not evident in photos — this may be acceptable if there is a functional heating device but must be confirmed. Electrical panel not photographed; outlets and switches have covers. Given visible new water heater and updated finishes but lack of confirmation of central heat and missing panel view/TPR drain, systems score is moderate."
}
],
"red_flags": [
"Window security bars on multiple windows that likely obstruct egress (major NSPIRE/egress concern)",
"No visible smoke detectors or carbon monoxide alarms in photos (life-safety failure if not installed)",
"Front steps lack a handrail (unsafe stairs / code concern)",
"No clearly visible heating system (no furnace/central heat visible) — heating must be verified",
"Water heater installation lacks visible TPR discharge piping or platform in photos (installation/venting/TPR concerns)"
],
"confidence": 0.83,
"assumptions": [
"Listing statement of 'new roof' and 'updated electrical and plumbing' is accurate though roof and electrical panel were not photographed.",
"Window-mounted AC is present and functioning; no central HVAC unit is visible — assume tenant heating source must be confirmed.",
"Window security bars are fixed (non-quick-release) based on photo appearance; if they are quick-release from the inside this reduces the egress risk.",
"Water heater is newly installed but visible TPR discharge pipe and final mechanical connections were not shown in photos; assume professional installation but require verification of TPR drain and elevation/clearances.",
"No smoke detectors or CO alarms were visible in the photos; assume they are not installed or not yet reinstalled after remodel unless owner confirms.",
"Electrical panel, service grounding, and GFCI protection were not photographed; assume basic compliance but require verification during inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 64.5,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7717649612"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.