Property ID: 7799172973
1301 5th Pl NW, Center Point, AL, 35215
Center Point, AL
Money Down: $28,776
CoC Return: 12.75%
Monthly Cash Flow: $306
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
12.75%
Rent
$1,366
Monthly Cash Flow
$306
Annual Cash Flow
$3,670
Debt Service / Mo
$638
Property Tax / Mo
$195
Insurance / Mo
$91
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,366
Payment Standard
$1,738
Rent
$1,366
Insurance
$91
Property Tax
$195
Management
$137
Utilities Allowance
$372
NOI (Monthly)
$944
Debt Service
$638
Cash Flow After Debt
$306
Quality Score: 64.70%
Confidence: 84.00%
This 3BR/1BA home shows clear cosmetic updates inside (flooring, paint) and basic systems present (vents, electric meter, range) but has several moderate inspection risks. Top issues likely to fail an initial NSPIRE inspection: no visible smoke/CO detectors, missing visible GFCI protection in the kitchen, uneven/cracked exterior steps (trip hazard), and a partially exposed/degra ded porch roof and deck that needs structural verification and repair. With targeted corrections — install/verify smoke and CO alarms, add GFCI outlets, repair/secure deck and steps, clear vegetation, and confirm HVAC and water heater operation — the property should be rent-ready. Expect 30–60 days of work and verification to achieve a reliable initial pass.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$372
Guaranteed Section 8 Rent (PS - Utilities)
$1,366
Property Management
$137
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1
Living Area
1,170 sqft
Lot Size
8,712 sqft
Year Built
1959
Days on Market
129
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$195
Insurance / Mo
$91
Property Description
This UPDATED traditional home has 3 bedrooms and 1 bath and includes: * Welcoming Front Porch * Large Backyard * Eat-In Kitchen * Corner Lot * 1-Car Garage in Basement * HUGE Storage Space This home is less than a mile from schools and has easy access to shops, Center Point Parkway Hwy. 79, I-59, and I-459. (Tenant to verify schools.) Updated photos coming soon.
Utility Allowances
Heating
$93
Property has electric heating. 'Elec Heat: Ala Power' was chosen as Alabama Power is a major provider and this option was selected for consistency with other electric utilities.
Cooling
$22
Property has electric central cooling. 'A/C: Alabama Power' was chosen for consistency with other electric utilities.
Water Heating
$56
Property has an electric water heater. 'Elec: Ala Power' for water heating was selected for consistency with other electric utilities.
Cooking
$21
Property includes an electric stove. 'Elec: Ala Power' for cooking was selected for consistency with other electric utilities.
Other Electric
$68
Covers lights and other tenant-provided appliances. 'Lights, Ref, Etc.: Ala Power' was selected for consistency.
Water
$78
Property has public water. 'Water: Birmingham' was selected as Center Point is in the Birmingham metropolitan area.
Sewer
$0
Property details specify a septic system is used, so no public sewer utility is required.
Trash Collection
$20
The 'Jefferson City (Once per week)' option was selected as the most appropriate general rate for the property's location.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.
Range/Microwave
$6
A microwave is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$922
DP3 Annual Estimate$1,254
DP1 Monthly Equivalent$77
DP3 Monthly Equivalent$104
Replacement Value$134,900
Basis1,170 sqft / 1959
Nearby Houses
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1317 5th Pl NW
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432 13th Ave NW
sold · 0.07 mi
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1305 Glenwood St NW
sold · 0.07 mi
Price: $38,000
3 bd / 1 ba · 1,590 sqft
Latest sale: $38,000 on Oct 13, 2016
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1321 5th Pl NW
sold · 0.07 mi
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437 13th Ave NW
sold · 0.08 mi
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3 bd / 1 ba · 928 sqft
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428 Burgundy Rd
sold · 0.08 mi
Price: $188,900
3 bd / 2 ba · 1,136 sqft
Latest sale: $188,900 on Apr 28, 2023
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1317 Glenwood St NW
sold · 0.08 mi
Price: $95,000
4 bd / 1 ba · 1,176 sqft
Latest sale: $95,000 on Sep 15, 2025
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1325 5th Pl NW
sold · 0.09 mi
Price: $89,500
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441 13th Ave NW
sold · 0.09 mi
Price: $123,900
3 bd / 1 ba · 1,000 sqft
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1321 Glenwood St NW
sold · 0.09 mi
Price: $95,000
3 bd / 1 ba · 2,024 sqft
Latest sale: $95,000
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1161 Roebuck Lawn Dr
sold · 0.09 mi
Price: $21,900
3 bd / 1 ba · 1,136 sqft
Latest sale: $21,900 on Sep 28, 2018
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Photo unavailable
436 Burgundy Rd
sold · 0.10 mi
Price: $30,000
3 bd / 2 ba · 1,338 sqft
Latest sale: $30,000 on Mar 04, 2021
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1332 5th Pl NW Unit 314
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— bd / — ba
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1157 Roebuck Lawn Dr
sold · 0.10 mi
Price: $48,000
3 bd / 2 ba · 1,048 sqft
Latest sale: $48,000 on Feb 28, 2017
Latest rent: $825 on Jul 29, 2019
Photo unavailable
425 Burgundy Rd
sold · 0.11 mi
Price: $75,000
3 bd / 2 ba · 1,098 sqft
Latest sale: $75,000 on Jul 30, 2018
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors or carbon monoxide alarm in interior photos (NSPIRE fail risk).
- Porch/deck roof covering partially missing with exposed underside framing — potential water intrusion/rot and localized roof failure risk.
- Concrete step and sections of driveway are cracked/uneven creating trip hazards at primary egress.
- Possible missing GFCI protection at kitchen countertop/outlet near sink (not visible) — electrical safety issue.
- Deck/porch guardrail and support require close inspection for structural integrity and secure attachments.
Assumptions
- Central HVAC exists and is operational based on visible ceiling supply/return vents; condenser/air handler not pictured.
- No active interior roof leaks are present — ceiling finishes look intact in interior photos; porch/deck roof exposure is assumed localized to exterior cover.
- Smoke and carbon monoxide alarms are not present (not visible in photos) and will need installation.
- Electrical panel is present and functional (meter visible) but condition and labeling are unverified.
- Water heater exists but location/condition are not shown and must be confirmed by walk-through.
- Bedroom window egress is assumed adequate given window sizes, but exact window dimensions and escape compliance need confirmation.
- Listing photos are representative and recent; 'updated photos coming soon' indicates some images may not show final finishes.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $2,269 | $154,900 | $30,980 |
| 2023 | $2,198 | $151,600 | $30,320 |
| 2022 | $733 | $110,900 | $11,100 |
| 2021 | $585 | $90,500 | $9,060 |
| 2020 | $585 | $90,500 | $9,060 |
| 2019 | $563 | $87,600 | $8,760 |
| 2018 | $467 | $74,300 | $7,440 |
| 2017 | $467 | $74,300 | $7,440 |
| 2016 | $467 | $74,300 | $7,440 |
| 2015 | $534 | $83,500 | $8,360 |
| 2013 | $528 | $85,600 | $8,560 |
| 2012 | $528 | $85,600 | $8,560 |
| 2011 | $537 | $86,900 | $8,690 |
| 2010 | $537 | $86,900 | $8,690 |
| 2009 | $537 | $86,900 | $8,690 |
| 2008 | $550 | $88,800 | $8,880 |
| 2007 | $524 | $85,000 | $8,500 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-20 | Listed for rent | $1,135 |
| 2025-10-10 | Listed | $119,900 |
| 2022-07-22 | Listing removed | $925 |
| 2022-07-08 | Listed for rent | $925 |
| 2022-07-05 | Sold | $123,900 |
| 1991-10-29 | Sold | $43,815 |
| 1990-08-01 | Sold | $43,240 |
Photo Gallery
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"last_status_change_date": "2025-10-10T19:01:59Z"
},
"event_name": "Listed",
"price_sqft": 102.47863247863248,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21433862",
"price_change_percentage": "-3.23%"
},
{
"date": "2022-07-22",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2022-07-08T20:54:18Z",
"list_price": 925,
"listing_id": "2945163909",
"last_update_date": "2022-07-22T19:43:58Z",
"last_status_change_date": "2022-07-22T19:48:36Z"
},
"event_name": "Listing removed",
"price_sqft": 0.7905982905982906,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1326754",
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},
{
"date": "2022-07-08",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2022-07-08T20:54:18Z",
"list_price": 925,
"listing_id": "2945163909",
"last_update_date": "2022-07-22T19:43:58Z",
"last_status_change_date": "2022-07-22T19:48:36Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.7905982905982906,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1326754",
"price_change_percentage": null
},
{
"date": "2022-07-05",
"price": 123900,
"listing": {
"status": "sold",
"list_date": "2022-07-05T15:49:09Z",
"list_price": 123900,
"listing_id": "2945008809",
"last_update_date": "2022-07-05T15:36:23Z",
"last_status_change_date": "2022-07-05T15:49:09Z"
},
"event_name": "Sold",
"price_sqft": 105.8974358974359,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1326257",
"price_change_percentage": null
},
{
"date": "1991-10-29",
"price": 43815,
"listing": null,
"event_name": "Sold",
"price_sqft": 37.44871794871795,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1990-08-01",
"price": 43240,
"listing": null,
"event_name": "Sold",
"price_sqft": 36.957264957264954,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7799172973",
"generated_at": "2026-02-16T03:05:39.448275Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 64.7
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/f53521be099b4cf8a416c84de529e7cdl-m1976393190s-w1280.jpg",
"rent_price": 1366.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1301-5th-Pl-NW_Center-Point_AL_35215_M77991-72973",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 11327.73,
"mortgage_monthly": 638.16,
"payment_standard": 1738.0,
"total_amount_out": 23980.0,
"additional_photos": [
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"https://ap.rdcpix.com/f53521be099b4cf8a416c84de529e7cdl-m351682133s-w1280.jpg",
"https://ap.rdcpix.com/f53521be099b4cf8a416c84de529e7cdl-m1248548295s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 90.67,
"monthly_cash_flow": 943.98,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has electric heating. 'Elec Heat: Ala Power' was chosen as Alabama Power is a major provider and this option was selected for consistency with other electric utilities.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has electric central cooling. 'A/C: Alabama Power' was chosen for consistency with other electric utilities.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property has an electric water heater. 'Elec: Ala Power' for water heating was selected for consistency with other electric utilities.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Property includes an electric stove. 'Elec: Ala Power' for cooking was selected for consistency with other electric utilities.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Covers lights and other tenant-provided appliances. 'Lights, Ref, Etc.: Ala Power' was selected for consistency.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. 'Water: Birmingham' was selected as Center Point is in the Birmingham metropolitan area.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property details specify a septic system is used, so no public sewer utility is required.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "The 'Jefferson City (Once per week)' option was selected as the most appropriate general rate for the property's location.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "A refrigerator is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance, so the allowance for a tenant-owned unit is included.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.47,
"down_payment_amount": 23980.0,
"property_tax_annual": 2337.07,
"property_tax_monthly": 194.76,
"property_tax_increase": 0.03,
"utility_allowance_total": 372.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 3669.83,
"property_management_monthly": 136.6,
"monthly_cash_flow_after_debt": 305.82,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "This 3BR/1BA home shows clear cosmetic updates inside (flooring, paint) and basic systems present (vents, electric meter, range) but has several moderate inspection risks. Top issues likely to fail an initial NSPIRE inspection: no visible smoke/CO detectors, missing visible GFCI protection in the kitchen, uneven/cracked exterior steps (trip hazard), and a partially exposed/degra ded porch roof and deck that needs structural verification and repair. With targeted corrections — install/verify smoke and CO alarms, add GFCI outlets, repair/secure deck and steps, clear vegetation, and confirm HVAC and water heater operation — the property should be rent-ready. Expect 30–60 days of work and verification to achieve a reliable initial pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 65.0,
"rationale": "Interior shows recent cosmetic updates (new LVP flooring, fresh paint, clean trim) and an existing range. Kitchen cabinets and tile floor show wear and staining; photos show no refrigerator. Exterior wooden stairs, deck and decking roof show visible deterioration and partial exposure of roof/underside above the porch. Concrete step and driveway areas are cracked and uneven (trip hazard). These are mostly moderate repairs and finish work; missing appliances (fridge) and decking repairs lower the score but are not structural by themselves."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "No smoke detectors or CO alarm are visible in interior photos (required). Kitchen outlets near sink do not show clear GFCI protection. Entry door shows two locks (likely knob and deadbolt). Exterior stairs have handrails and a guardrail present, but decking/guardrail stability and spacing need verification. Porch roof/underside is exposed which can allow water intrusion and rot. No obvious exposed live wiring in photos, and electrical service/meter is present on the exterior. Bedroom egress windows appear likely but bedroom window details not confirmed. Overall a moderate NSPIRE risk until detectors, GFCI, and deck structural integrity are verified and corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Ceiling vents indicate central HVAC ducts and supply; unit and heating source are not shown so operability is assumed but unverified. Electrical meter/power present; electrical panel condition not visible. Kitchen plumbing, sink and faucet appear intact; no visible active leaks. Main roof appears intact in photos but the porch roof/covering is partially missing and requires repair. Water heater location/condition not shown. Given visible vents and lack of obvious water stains, systems appear serviceable but several unknowns remain — score reflects moderate uncertainty and likely small repairs/verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "Property is on a corner lot with a large backyard and partial chain-link fencing. Siding and painted concrete block foundation appear generally intact with no major visible foundation cracks. Landscaping is somewhat overgrown near the foundation and there are shrubs right against the structure that should be cleared. Driveway and front concrete have cracking and uneven surfaces. Garage door in basement looks aged. Deck supports appear functional but need closer inspection for rot/connection security. Overall typical mid-century exterior with maintenance needs but no obvious catastrophic failure."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (NSPIRE fail risk).",
"Porch/deck roof covering partially missing with exposed underside framing — potential water intrusion/rot and localized roof failure risk.",
"Concrete step and sections of driveway are cracked/uneven creating trip hazards at primary egress.",
"Possible missing GFCI protection at kitchen countertop/outlet near sink (not visible) — electrical safety issue.",
"Deck/porch guardrail and support require close inspection for structural integrity and secure attachments."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational based on visible ceiling supply/return vents; condenser/air handler not pictured.",
"No active interior roof leaks are present — ceiling finishes look intact in interior photos; porch/deck roof exposure is assumed localized to exterior cover.",
"Smoke and carbon monoxide alarms are not present (not visible in photos) and will need installation.",
"Electrical panel is present and functional (meter visible) but condition and labeling are unverified.",
"Water heater exists but location/condition are not shown and must be confirmed by walk-through.",
"Bedroom window egress is assumed adequate given window sizes, but exact window dimensions and escape compliance need confirmation.",
"Listing photos are representative and recent; 'updated photos coming soon' indicates some images may not show final finishes."
],
"overall_score": 60.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property looks mostly updated inside and structurally sound from exterior photos, with central HVAC present and functioning finishes. Primary inspection risks are missing/undocumented smoke and CO detectors (CO especially important because a gas meter is present), a visible overhead service cable that may need securing or further electrical evaluation, and localized porch roof/deck deterioration and uneven concrete steps. These are fixable within a short turnaround; with targeted repairs (install alarm devices, secure/repair electrical/service drop, repair porch decking/roofing, address GFCI outlets if missing, remove vegetation at foundation and fix uneven step) the home is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. Estimated readiness: minor repairs required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently updated: new-looking LVP flooring, fresh paint, functioning light fixtures and finished trim. Kitchen cabinets and counters are intact and a range is present; refrigerator not shown (missing appliances reduce score moderately). Exterior paint and siding are intact but porch/deck and stair stringers show weathering; porch roof decking is partially exposed and will need repair. Floor tile in kitchen shows staining and grout issues. Overall mostly cosmetic and moderate deferred maintenance that can be addressed with routine repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "Visible safety concerns: no smoke or carbon monoxide alarms are visible in the photos (required for Section 8). An overhead service cable/loop is visible near the front windows and entry — potential exposed wiring/service drop risk that should be evaluated. Porch roof decking is open in places which could cause water intrusion. Entry stairs have handrails but an exterior concrete step is uneven and presents a trip hazard. Gas meter is visible at the foundation (CO alarm requirement). GFCI outlets, electrical panel condition, bedroom egress compliance and hot water presence could not be confirmed from photos and therefore reduce score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Evidence of central HVAC supply vents in living areas indicates a forced-air system is present (positive). Electrical service and meter are visible and exterior panel appears mounted; internal panel and wiring condition not shown. Kitchen plumbing fixtures and faucet appear intact; a working range is present though refrigerator is not pictured. Roof field over main structure appears generally intact and gutters are present, but the porch roof/deck area has missing/ exposed decking requiring repair to prevent future leaks. Water heater and drain conditions are not visible. Systems appear present and operational but not fully verifiable from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Yard is large and mostly clear but shows areas of overgrown vegetation and shrubs against the foundation which are an infestation/moisture risk and should be trimmed/removed. Driveway and walkway have uneven/settled concrete at steps creating trip hazards. Siding and block foundation appear intact with no visible major cracks or sagging. 1-car basement garage door is older but present. Overall exterior is serviceable but needs landscaping cleanup and localized concrete and porch repairs."
}
],
"red_flags": [
"Visible overhead/service cable and exposed wiring loop near front of home (electrical hazard requiring electrician evaluation).",
"Partial deterioration/exposed decking of the porch roof — potential for water intrusion and safety hazard under deck.",
"No visible smoke detectors or carbon monoxide alarms in photos (CO required given visible gas meter).",
"Overgrown vegetation/brush directly against foundation (moisture/infestation risk).",
"Uneven/settled concrete step at front stairs — trip hazard that should be repaired."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational based on visible supply vents in living areas.",
"Water heater and plumbing are functional though not shown in photos (sink and range present).",
"Smoke detectors and carbon monoxide alarms were not visible in photos and are assumed not installed or not photo-documented.",
"Electrical panel interior condition, presence of GFCI outlets, bedroom egress window sizes, and hot water temperature could not be confirmed from photos and are assumed unknown.",
"The gas meter shown indicates natural gas service to the property; CO alarm required if gas appliances or combustion heating are present.",
"No evidence of active roof-wide leaks or foundation movement in photos; localized porch roofing/decking deterioration inferred from exposed decking."
],
"overall_score": 68.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears mostly renovated cosmetically and is likely rent-ready with targeted repairs. Primary inspection risks are missing/undocumented smoke/CO alarms, exterior stair/handrail and deck framing/roof issues, and unverified mechanicals (HVAC, water heater, electrical panel) that must be tested. With 1–4 weeks of corrective work (install detectors, repair handrails/guardrail/deck roofing, verify systems, replace or supply refrigerator) the property should pass an initial HCV/NSPIRE inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted with new-looking vinyl plank flooring and intact trim; kitchen cabinets and counters are serviceable and an electric range is present. Observable deferred items: missing refrigerator (not pictured), tile at kitchen floor shows staining and damaged grout, some cabinet door wear, and the exterior stair/deck framing and underside show aged/unfinished wood and areas that will need repair/painting. These are mostly cosmetic or straightforward repairs/capital work and should be completed within 1–4 weeks."
},
{
"key": "safety_code",
"label": "Safety / Code Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are either not visible or show potential issues: no smoke detectors or CO alarms are visible in photos (required), the exterior entry has stairs and a concrete landing without a visible handrail on the lowest step (trip/fall risk), deck guardrail is present but the deck framing and underside expose corrugated metal and open framing that suggests incomplete weatherproofing and possible rot; an electrical service cable and loosened loops are visible at the front (could be unsecured). No active standing water or collapsed structure is visible. Because detectors and some guardrail/handrail items are missing or questionable, this is a moderate inspection risk that can be corrected but will likely be flagged if not addressed prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "There are ceiling HVAC vents visible in living areas suggesting central heating/AC ducting is present; an electrical meter and service are visible at the exterior. No electrical panel, water heater, or HVAC equipment is pictured, so operation must be verified. Roof appears mostly intact from photos but the covered porch/deck roof shows exposed underside and potential local deterioration where the deck roof meets house. Plumbing fixtures seen (kitchen sink) appear functional; hot water system not shown. Given presence of vents and service, systems are likely functional but unverified and therefore moderate risk until tested."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Yard is large and generally maintained; chain-link fencing exists. Siding and masonry stem wall appear intact and recently painted. Driveway and lower concrete steps show wear/cracking. The exterior deck/stair assembly requires attention (framing exposed, possible rot and unfinished roofing at the deck). Vegetation along property edges is somewhat overgrown and will need clean-up. No obvious standing water or major foundation displacement visible in photos."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms (will fail NSPIRE if absent).",
"Exterior/deck underside shows exposed framing and corrugated metal roof with potential rot/water intrusion at the deck/porch area.",
"Exterior service wiring loop/downspout area appears unsecured (potential electrical hazard to verify).",
"Exterior stairs / landings have incomplete or missing handrail at lower concrete step and open risers that may be cited as unsafe.",
"Kitchen tile damage/staining near range (possible prior water damage) — needs verification for underlying rot/mold."
],
"confidence": 0.65,
"assumptions": [
"Central HVAC is present and operational (inferred from visible ceiling vents) though equipment not shown.",
"Hot water and plumbing are functioning but not verified (kitchen sink looks serviceable).",
"Smoke and carbon monoxide detectors are not present or not visible in photos and should be treated as absent for inspection readiness.",
"Windows in sleeping rooms provide acceptable egress (bedrooms not shown; assumed typical for a 1959 single-family), but this must be confirmed on-site.",
"Electrical service appears connected; the interior electrical panel and GFCI protection are not shown and must be confirmed during inspection.",
"Missing refrigerator is considered a moderate, non-safety defect and reduces readiness but is fixable prior to inspection."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1301 5th Pl NW, Center Point, AL, 35215",
"aggregate": {
"summary": "This 3BR/1BA home shows clear cosmetic updates inside (flooring, paint) and basic systems present (vents, electric meter, range) but has several moderate inspection risks. Top issues likely to fail an initial NSPIRE inspection: no visible smoke/CO detectors, missing visible GFCI protection in the kitchen, uneven/cracked exterior steps (trip hazard), and a partially exposed/degra ded porch roof and deck that needs structural verification and repair. With targeted corrections — install/verify smoke and CO alarms, add GFCI outlets, repair/secure deck and steps, clear vegetation, and confirm HVAC and water heater operation — the property should be rent-ready. Expect 30–60 days of work and verification to achieve a reliable initial pass.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 71.7,
"rationale": "Interior shows recent cosmetic updates (new LVP flooring, fresh paint, clean trim) and an existing range. Kitchen cabinets and tile floor show wear and staining; photos show no refrigerator. Exterior wooden stairs, deck and decking roof show visible deterioration and partial exposure of roof/underside above the porch. Concrete step and driveway areas are cracked and uneven (trip hazard). These are mostly moderate repairs and finish work; missing appliances (fridge) and decking repairs lower the score but are not structural by themselves."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Property is on a corner lot with a large backyard and partial chain-link fencing. Siding and painted concrete block foundation appear generally intact with no major visible foundation cracks. Landscaping is somewhat overgrown near the foundation and there are shrubs right against the structure that should be cleared. Driveway and front concrete have cracking and uneven surfaces. Garage door in basement looks aged. Deck supports appear functional but need closer inspection for rot/connection security. Overall typical mid-century exterior with maintenance needs but no obvious catastrophic failure."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 56.7,
"rationale": "No smoke detectors or CO alarm are visible in interior photos (required). Kitchen outlets near sink do not show clear GFCI protection. Entry door shows two locks (likely knob and deadbolt). Exterior stairs have handrails and a guardrail present, but decking/guardrail stability and spacing need verification. Porch roof/underside is exposed which can allow water intrusion and rot. No obvious exposed live wiring in photos, and electrical service/meter is present on the exterior. Bedroom egress windows appear likely but bedroom window details not confirmed. Overall a moderate NSPIRE risk until detectors, GFCI, and deck structural integrity are verified and corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 63.3,
"rationale": "Ceiling vents indicate central HVAC ducts and supply; unit and heating source are not shown so operability is assumed but unverified. Electrical meter/power present; electrical panel condition not visible. Kitchen plumbing, sink and faucet appear intact; no visible active leaks. Main roof appears intact in photos but the porch roof/covering is partially missing and requires repair. Water heater location/condition not shown. Given visible vents and lack of obvious water stains, systems appear serviceable but several unknowns remain — score reflects moderate uncertainty and likely small repairs/verification."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in interior photos (NSPIRE fail risk).",
"Porch/deck roof covering partially missing with exposed underside framing — potential water intrusion/rot and localized roof failure risk.",
"Concrete step and sections of driveway are cracked/uneven creating trip hazards at primary egress.",
"Possible missing GFCI protection at kitchen countertop/outlet near sink (not visible) — electrical safety issue.",
"Deck/porch guardrail and support require close inspection for structural integrity and secure attachments."
],
"confidence": 0.84,
"assumptions": [
"Central HVAC exists and is operational based on visible ceiling supply/return vents; condenser/air handler not pictured.",
"No active interior roof leaks are present — ceiling finishes look intact in interior photos; porch/deck roof exposure is assumed localized to exterior cover.",
"Smoke and carbon monoxide alarms are not present (not visible in photos) and will need installation.",
"Electrical panel is present and functional (meter visible) but condition and labeling are unverified.",
"Water heater exists but location/condition are not shown and must be confirmed by walk-through.",
"Bedroom window egress is assumed adequate given window sizes, but exact window dimensions and escape compliance need confirmation.",
"Listing photos are representative and recent; 'updated photos coming soon' indicates some images may not show final finishes."
],
"score_method": "mean_of_criteria",
"overall_score": 64.7,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7799172973"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.