Property ID: 7791596614
732 Fulton Ave, Birmingham, AL, 35217
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$4,596
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$114,900
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 71.80%
Confidence: 92.00%
Overall the property appears in good move-in condition with cosmetic updates, working appliances, a visible water heater, intact roof and siding, and secure exterior features. The most likely initial Section 8/NSPIRE inspection items to address are absence/visibility of smoke and CO detectors, verification/installation of GFCI protection in kitchen/bath, and confirmation the HVAC and water heater are operational. No major structural or life‑safety defects are visible in the provided photos, so the home is likely to pass an initial Housing Choice Voucher inspection after addressing detector/GFCI items and confirming system operation.
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
$114,900
Beds
4
Baths
2
Living Area
1,320 sqft
Lot Size
7,013 sqft
Year Built
1954
Days on Market
130
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Step into this welcoming 4-bedroom, 2-bath home, nestled on a fenced corner lot. Featuring a neutral palette with soft gray tones and abundant natural light, this home offers a versatile backdrop ready for your personal touch and design style. The bright, functional kitchen is equipped with a refrigerator, range, and stylish countertops-ideal for preparing your favorite meals. Generously sized bedrooms provide comfort and privacy for the whole household. Whether you're looking for a new place to call home or a smart investment opportunity, this property delivers both charm and potential. Don't miss out on making it yours!
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$885
DP3 Annual Estimate$1,210
DP1 Monthly Equivalent$74
DP3 Monthly Equivalent$101
Replacement Value$124,700
Basis1,320 sqft / 1954
Nearby Houses
Photo unavailable
724 Fulton Ave
sold · 0.02 mi
Price: $55,000
3 bd / 1 ba · 1,340 sqft
Latest sale: $55,000
Latest rent: —
Photo unavailable
804 Fulton Ave
sold · 0.04 mi
Price: $123,200
2 bd / 2 ba · 1,008 sqft
Latest sale: $123,200
Latest rent: —
Photo unavailable
725 Fulton Ave
sold · 0.04 mi
Price: $80,050
3 bd / 1 ba · 1,110 sqft
Latest sale: $80,050
Latest rent: —
Photo unavailable
717 Jackson Blvd
sold · 0.05 mi
Price: $65,000
4 bd / 1 ba · 1,604 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
813 Fulton Ave
sold · 0.07 mi
Price: $60,000
2 bd / 1 ba · 1,191 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
817 Jackson Blvd
for_sale · 0.07 mi
Price: $105,556
3 bd / 1 ba · 1,025 sqft
Latest sale: $11,500 on Aug 01, 2018
Latest rent: $850 on Dec 29, 2021
Photo unavailable
833 Jackson Blvd
for_sale · 0.11 mi
Price: $105,556
3 bd / 2 ba · 1,944 sqft
Latest sale: $875,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
Assumptions
- Smoke and carbon monoxide detectors are not visible in photos; assume they are not installed or not visible and will need verification/installation.
- HVAC unit is assumed present and operational based on floor registers; no exterior HVAC unit photo provided so operation must be verified.
- Electrical panel location and condition are unknown (not pictured); assume intact but inspector will need to verify accessibility and labeling.
- Kitchen and laundry plumbing are assumed functional; water heater is present but operational status is assumed and should be tested.
- Bedroom egress windows are assumed adequate based on window sizes seen in living areas, but actual bedrooms were not photographed and egress must be confirmed.
- No interior mold, active leaks, structural sagging, or major foundation movement were observed in photos; assume none present unless revealed by an in-person inspection.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,575 | $138,300 | $27,660 |
| 2023 | $1,591 | $141,100 | $28,220 |
| 2022 | $597 | $53,000 | $10,600 |
| 2021 | $651 | $57,800 | $11,560 |
| 2020 | $830 | $73,600 | $14,720 |
| 2019 | $870 | $77,200 | $15,440 |
| 2018 | $315 | $65,400 | $6,540 |
| 2017 | $315 | $65,400 | $6,540 |
| 2016 | $296 | $62,000 | $6,200 |
| 2015 | $315 | $65,400 | $6,540 |
| 2013 | $291 | $60,100 | $6,020 |
| 2012 | $315 | $64,400 | $6,440 |
| 2011 | $320 | $65,400 | $6,540 |
| 2010 | $320 | $65,400 | $6,540 |
| 2009 | $320 | $65,400 | $6,540 |
| 2008 | $328 | $66,800 | $6,680 |
| 2007 | $318 | $65,000 | $6,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-06-09 | Sold | $142,000 |
| 2021-07-14 | Sold | $60,000 |
| 2019-10-17 | Sold | $19,320 |
| 2019-03-25 | Sold | $24,320 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-02-23 | Listed for rent | $1,325 | — |
Photo Gallery
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"list_price": 114900,
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{
"date": "2024-03-22",
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{
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{
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"list_date": "2005-06-07T07:00:00Z",
"list_price": 64900,
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"runs": [
{
"summary": "Overall the property appears in good move-in condition with cosmetic updates, working appliances, a visible water heater, intact roof and siding, and secure exterior features. The most likely initial Section 8/NSPIRE inspection items to address are absence/visibility of smoke and CO detectors, verification/installation of GFCI protection in kitchen/bath, and confirmation the HVAC and water heater are operational. No major structural or life‑safety defects are visible in the provided photos, so the home is likely to pass an initial Housing Choice Voucher inspection after addressing detector/GFCI items and confirming system operation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Photos show recently painted interiors, intact vinyl flooring, functioning kitchen cabinets and counters, and presence of refrigerator and range. Exterior siding and front porch appear intact. Minor cosmetic wear (scuffed front door, slightly aged porch concrete, some trim marks) but no visible severe deferred maintenance. Missing or loose minor items (window blinds, minor trim scuffs) are easy cosmetic fixes. Overall only minor repairs and cosmetic work expected before tenancy."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible. Floor registers and vents present (suggests HVAC). Windows look operable and of adequate size for egress in primary living areas; bedroom windows not shown. Entry door has a deadbolt/secondary storm door visible in exterior photo. However, smoke detectors and carbon monoxide alarms are not visible in any interior photos (likely required), GFCI outlets in kitchen/bath not clearly evident, and electrical panel not shown. No visible exposed wiring, active leaks, collapsed ceilings, or major mold staining. Missing detectors/GFCI are repair-level but are common causes for initial inspection failures until addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 75.0,
"rationale": "Water heater is present (photo in utility/laundry area). Floor registers indicate a forced‑air system likely present though no HVAC unit shown in photos. Roof shingles appear intact from exterior photos with no visible sagging or major deterioration. Kitchen range and refrigerator present; plumbing fixtures visible and appear intact with no standing water or visible leakage. Electrical panel not shown so full assessment not possible; no visible exposed wiring. Based on photos, systems appear serviceable but verification of HVAC operation, hot water, and electrical panel condition will be required."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Chain‑link fenced corner lot provides yard separation and appears functional though slightly aged/rusty. Siding and foundation visible in photos look generally sound with no obvious large foundation cracks or settling. Front steps and porch railings are present and appear secure. Yard is somewhat overgrown/unkempt but no standing water, major trip hazards, or infestation evidence visible. Driveway/sidewalk shows typical wear but no collapse. Exterior condition is generally acceptable with minor yard clean-up and routine maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"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": [
"Smoke and carbon monoxide detectors are not visible in photos; assume they are not installed or not visible and will need verification/installation.",
"HVAC unit is assumed present and operational based on floor registers; no exterior HVAC unit photo provided so operation must be verified.",
"Electrical panel location and condition are unknown (not pictured); assume intact but inspector will need to verify accessibility and labeling.",
"Kitchen and laundry plumbing are assumed functional; water heater is present but operational status is assumed and should be tested.",
"Bedroom egress windows are assumed adequate based on window sizes seen in living areas, but actual bedrooms were not photographed and egress must be confirmed.",
"No interior mold, active leaks, structural sagging, or major foundation movement were observed in photos; assume none present unless revealed by an in-person inspection."
],
"overall_score": 75.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this property looks largely turn-key for a Housing Choice Voucher initial inspection with mostly cosmetic items to complete. Exterior, roof, and foundation show no visible structural distress; interior is clean with appliances present. Main inspection risks are the absence of visible smoke and CO alarms and unknown GFCI protection in the kitchen, plus unverified condition of the mechanical systems (HVAC and electrical panel). With quick installs of alarms/GFCIs, minor cosmetic touch-ups, and a basic service check of HVAC/water heater/electrical, the property is likely to pass an initial NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 75.0,
"rationale": "Interior appears recently painted with intact vinyl flooring, functioning cabinet doors and countertops. Kitchen appliances (range and refrigerator) are present per listing and photos. Minor cosmetic issues visible: scuffs on walls, a dirty/stained front door, small ceiling blemishes/cracks and worn trim in places. No exposed subfloor, major drywall collapse, or visible severe deterioration. Repairs are mostly cosmetic and simple replacements/cleaning."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No visible smoke detectors or CO alarm in the photographed rooms; NSPIRE requires working smoke alarms (and CO alarms where required). Entry door shows two locks (knob and additional lock) and porch has railing; steps have handrails. No visible exposed wiring, no trip hazards shown and windows appear large enough for bedroom egress. GFCI protection in kitchen/bath not visible in photos (kitchen outlets appear standard). Plumbing fixtures present and water heater is installed. Because alarms and GFCI protection are not visible, this creates a moderate inspection risk that will likely require simple installations to comply."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 65.0,
"rationale": "Roof shingles appear intact with no visible sagging or active leaks from exterior photos. Water heater is present in utility area (visible) and kitchen sink installed. Floor/ceiling registers are visible in living room indicating central HVAC ducting, but no exterior compressor or service stickers are shown to confirm operational status — assumed present and functional but NOT verified. Electrical panel not photographed; visible outlets have cover plates. Systems appear complete but their operational condition cannot be fully verified from photos, so a conservative moderate score is assigned."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Vinyl siding and foundation masonry look intact with no visible major cracks or movement. Shingle roof appears in serviceable condition. Chain-link fence and gated entry provide a secure lot boundary. Walkway and porch steps are functional; railings are present on porch. Yard has light overgrowth but no standing water, major erosion, or obvious infestation evidence. Small cosmetic site cleanup and trimming recommended but no major structural exterior repairs visible."
},
{
"key": "rental_history_activity",
"label": "Recent 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 or carbon monoxide alarm in photographed areas — NSPIRE fail risk",
"No visible GFCI-protected kitchen outlets in photos — potential NSPIRE/code issue"
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they are not installed or not visible and will need verification/installation.",
"Central HVAC is present (floor/ceiling registers visible); assumed operational but not functionally verified from photos.",
"Water heater is present in utility area and assumed serviceable; age/condition not verified.",
"Electrical panel and overall circuit condition are not shown; assume standard service but recommend panel check for labeling and safety.",
"Kitchen outlets do not show GFCI devices in photos; assume GFCI protection may be required and should be verified/installed.",
"Windows shown appear adequate for bedroom egress; exact bedroom window dimensions and egress compliance are assumed sufficient based on appearance.",
"No visible mold, active leaks, standing water, or structural sagging were observed in photos; hidden issues cannot be ruled out.",
"Listing text confirms refrigerator and range included; photos corroborate both appliances are present."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall this 4BR/2BA single-family appears to be in the 'minor repairs' category for NSPIRE/Section 8 readiness. Major systems and envelope appear present and serviceable from photos (roof, water heater, kitchen appliances, windows, foundation). The most likely inspection issues are missing/uncorroborated smoke and CO detectors, lack of visible GFCI protection in the kitchen, and some minor electrical/wiring tidiness and washer hookup repairs. With targeted fixes (install compliant smoke/CO detectors, install or verify kitchen GFCI protection, secure/repair visible wiring and washer/drain stub, touch-up paint, and basic cleaning), the property is likely rent-ready within 30 days and would probably pass an initial HCV inspection once those items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior photos show recently painted walls, intact trim, new-looking vinyl flooring and functioning basic fixtures. Kitchen has a range and refrigerator present per listing/photos. Cabinets and countertops are serviceable but show light wear; small scuffs on walls and minor cosmetic patching likely needed. Porch steps and concrete are intact but worn. No large areas of missing finish or visible collapsing surfaces. Overall mostly cosmetic and minor repair items that can be fixed quickly."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 65.0,
"rationale": "Entry door shows a keyed deadbolt and knob. Porch guardrail and handrails are present. No visible ceiling collapse, major foundation cracking, or active water intrusion in photos. However there are no visible smoke detectors or CO alarms in any interior photos (required by NSPIRE), and kitchen countertop outlets/GFCI protections are not visible — kitchen outlets appear to be standard receptacles. A loose hanging cable/strap is visible near the kitchen hood area (possible unfinished wiring). Window sizes look adequate for egress in main rooms but bedroom egress windows are not shown. Plumbing fixtures and a water heater are present, but washer hookup/drain appears to be an exposed stub which may need repair. These items create moderate inspection risk but no immediate life-threatening hazards visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Roof shingles appear intact and in serviceable condition from photos. Floor registers are visible in living area indicating forced-air HVAC ducts (no outdoor condensing unit pictured). A water heater is present in photos. Kitchen appliances (electric range and refrigerator) are present. Electrical panel and HVAC equipment are not visible, so electrical capacity and HVAC operational status cannot be confirmed; absence of visible electrical hazards inside is positive but the loose wiring near the hood is a concern. Plumbing appears intact in kitchen; washer hookup drain is present but needs attention. Overall systems appear present and likely functional but require verification and minor corrections (GFCI, wiring tidy, HVAC operation check)."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior siding (vinyl) and foundation block visually intact; porch, steps and railings present. Chain-link fence encloses yard; gate operational. Yard is somewhat overgrown and sidewalks show cracking/settling but nothing indicating major site drainage or foundation failure. A small outbuilding/garage is visible at the rear. No obvious signs of major pest infestation or standing water in the photographed areas. Overall exterior is in fair-to-good condition with basic clean-up and minor repairs needed."
},
{
"key": "rental_history_activity",
"label": "Recent Rental / Occupancy 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 visible smoke detectors or carbon monoxide alarms in interior photos – NSPIRE requires smoke detectors on each level and in/near sleeping areas.",
"No visible GFCI-protected kitchen countertop outlets — potential fail on electrical safety for kitchen area.",
"Loose hanging cable/strap near kitchen hood and an exposed washer/drain stub in utility area — possible electrical/plumbing defects needing correction before inspection."
],
"confidence": 0.75,
"assumptions": [
"Photos and listing are recent and accurately reflect current property condition.",
"Bedrooms not pictured have standard egress windows typical for a 1954 single-family; assume at least minimal egress exists but requires verification.",
"An operational forced-air HVAC system is present given visible floor registers, although the outdoor unit and operational status were not photographed.",
"Electrical panel is intact and up to code capacity (not pictured); only visible potential issue is a loose/unfinished wire near the kitchen hood.",
"Water heater shown is operational and provides hot water; condition is functional but age and TPR/drain details are unknown.",
"Listing statement that kitchen is equipped with refrigerator and range is accurate; both appliances are shown in photos and assumed functional unless inspection reveals otherwise."
],
"overall_score": 71.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "732 Fulton Ave, Birmingham, AL, 35217",
"aggregate": {
"summary": "Overall the property appears in good move-in condition with cosmetic updates, working appliances, a visible water heater, intact roof and siding, and secure exterior features. The most likely initial Section 8/NSPIRE inspection items to address are absence/visibility of smoke and CO detectors, verification/installation of GFCI protection in kitchen/bath, and confirmation the HVAC and water heater are operational. No major structural or life‑safety defects are visible in the provided photos, so the home is likely to pass an initial Housing Choice Voucher inspection after addressing detector/GFCI items and confirming system operation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Photos show recently painted interiors, intact vinyl flooring, functioning kitchen cabinets and counters, and presence of refrigerator and range. Exterior siding and front porch appear intact. Minor cosmetic wear (scuffed front door, slightly aged porch concrete, some trim marks) but no visible severe deferred maintenance. Missing or loose minor items (window blinds, minor trim scuffs) are easy cosmetic fixes. Overall only minor repairs and cosmetic work expected before tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Chain‑link fenced corner lot provides yard separation and appears functional though slightly aged/rusty. Siding and foundation visible in photos look generally sound with no obvious large foundation cracks or settling. Front steps and porch railings are present and appear secure. Yard is somewhat overgrown/unkempt but no standing water, major trip hazards, or infestation evidence visible. Driveway/sidewalk shows typical wear but no collapse. Exterior condition is generally acceptable with minor yard clean-up and routine maintenance needed."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible. Floor registers and vents present (suggests HVAC). Windows look operable and of adequate size for egress in primary living areas; bedroom windows not shown. Entry door has a deadbolt/secondary storm door visible in exterior photo. However, smoke detectors and carbon monoxide alarms are not visible in any interior photos (likely required), GFCI outlets in kitchen/bath not clearly evident, and electrical panel not shown. No visible exposed wiring, active leaks, collapsed ceilings, or major mold staining. Missing detectors/GFCI are repair-level but are common causes for initial inspection failures until addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 70.0,
"rationale": "Water heater is present (photo in utility/laundry area). Floor registers indicate a forced‑air system likely present though no HVAC unit shown in photos. Roof shingles appear intact from exterior photos with no visible sagging or major deterioration. Kitchen range and refrigerator present; plumbing fixtures visible and appear intact with no standing water or visible leakage. Electrical panel not shown so full assessment not possible; no visible exposed wiring. Based on photos, systems appear serviceable but verification of HVAC operation, hot water, and electrical panel condition will be required."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos; assume they are not installed or not visible and will need verification/installation.",
"HVAC unit is assumed present and operational based on floor registers; no exterior HVAC unit photo provided so operation must be verified.",
"Electrical panel location and condition are unknown (not pictured); assume intact but inspector will need to verify accessibility and labeling.",
"Kitchen and laundry plumbing are assumed functional; water heater is present but operational status is assumed and should be tested.",
"Bedroom egress windows are assumed adequate based on window sizes seen in living areas, but actual bedrooms were not photographed and egress must be confirmed.",
"No interior mold, active leaks, structural sagging, or major foundation movement were observed in photos; assume none present unless revealed by an in-person inspection."
],
"score_method": "mean_of_criteria",
"overall_score": 71.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7791596614"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.