Property ID: 7835358203
1909 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
$4,200
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$105,000
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: 65.30%
Confidence: 95.00%
This 3-bed/1-bath single-family appears generally habitable and would likely pass a Housing Choice Voucher/NSPIRE inspection after addressing several moderate deficiencies. Primary fixes before inspection: install/verify smoke detectors and CO alarm, add required GFCI protection at kitchen/bath outlets, secure/replace damaged ceiling fan blade, secure loose/exposed AC/electrical cords, and perform minor repairs around the kitchen sink (cabinet kickboard, grout/tile). Major systems (roof and visible plumbing) look serviceable; HVAC operability and water heater must be confirmed. No obvious structural collapse or severe hazards visible in photos, but the 'AS-IS' listing and some interior wear mean a brief repair list (likely <30 days) is expected to reach turnkey status.
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
$105,000
Beds
3
Baths
1
Living Area
1,504 sqft
Lot Size
6,534 sqft
Year Built
1940
Days on Market
118
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
This 3 bedroom 1 bathroom home is perfect for a family or an investor looking to reside in North Birmingham. The home is being sold AS-IS.
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$785
DP3 Annual Estimate$1,091
DP1 Monthly Equivalent$65
DP3 Monthly Equivalent$91
Replacement Value$99,100
Basis1,504 sqft / 1940
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1636 35th Ave N
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Photo unavailable
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Photo unavailable
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5 bd / 2 ba · 1,266 sqft
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Photo unavailable
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Photo unavailable
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Photo unavailable
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sold · 0.29 mi
Price: $13,500
4 bd / 1 ba · 1,496 sqft
Latest sale: $13,500 on Sep 06, 2019
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible smoke detectors or carbon monoxide alarm in photos (NSPIRE fail if absent).
- Potential lack of GFCI protection at kitchen and bathroom outlets (not visible) — common NSPIRE/code failure.
- Exposed/loose electrical cords near window AC units (trip/electrical hazard) visible in multiple rooms.
- Cosmetic water-staining and damaged kickboard under kitchen sink suggesting prior water intrusion — requires verification to rule out ongoing leak.
Assumptions
- Photos represent the entire unit interior and front exterior; no unseen severe damage exists in other areas.
- Window AC units and a floor register indicate some form of heating exists (likely a central furnace) though the furnace/air handler and water heater were not photographed.
- Range/stove is present and functional (gas burners visible); refrigerator is not pictured and may be missing — missing refrigerator is considered a moderate, easy-to-fix item.
- No smoke or CO detectors were visible in photos; assume none are installed or existing units are non-compliant/unverified.
- No electrical panel photo provided; assume panel is present but condition/labeling is unverified.
- No evidence of active roof leaks, foundation movement, collapsed ceilings, or severe mold in photos; assume none present unless an on-site inspection finds otherwise.
- Bathroom and kitchen plumbing fixtures are functional but hot water availability has not been confirmed.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $769 | $104,200 | $10,420 |
| 2017 | $409 | $66,300 | $6,640 |
| 2016 | $409 | $66,300 | $6,640 |
| 2015 | $409 | $66,300 | $6,640 |
| 2013 | $386 | $65,100 | $6,520 |
| 2012 | $385 | $65,100 | $6,510 |
| 2011 | $470 | $77,300 | $7,730 |
| 2010 | $470 | $77,300 | $7,730 |
| 2009 | $470 | $77,300 | $7,730 |
| 2008 | $497 | $81,200 | $8,120 |
| 2007 | $473 | $77,700 | $7,770 |
Sale History
| Date | Event | Price |
|---|---|---|
| 1973-03-01 | Sold | $17,000 |
Photo Gallery
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"Middle School: HUDSON"
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"Area: Inglenook, North Bham, Norwood, Tarrant",
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"Total Area Upper: 0",
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"mortgage": {
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},
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"No electrical panel photo provided; assume panel is present but condition/labeling is unverified.",
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{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 55.0,
"rationale": "Photos show no visible smoke detectors or CO alarms (required) and no visible GFCI-protected receptacles in kitchen/bath photos. Entry door hardware/deadbolt not verified. Windows look adequate for egress in bedrooms. No obvious exposed live wiring or open electrical panels in photos, but multiple window AC units and visible cords (TV, window AC) raise questions about circuit loading and outlet placement. Bathroom has a grab bar and tiled surround but there is some ceiling finish deterioration at the bathroom threshold area which could indicate past moisture. These are moderate risk items that can cause an initial NSPIRE fail until corrected (smoke/CO/GFCI installation, address moisture evidence)."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 55.0,
"rationale": "Roof appears to be newer metal and visually in good condition from front elevation. No water intrusion or major roof defects visible. Central HVAC is uncertain: there are floor/ceiling vents visible in one photo (suggesting a duct system) but multiple window AC units are installed in living/bedrooms — this suggests central system may be absent, incomplete, or used intermittently. Water heater and electrical panel are not shown. Plumbing fixtures (kitchen sink, bathroom fixtures, tub/shower) appear present and functional but condition is worn. Because major systems are not fully documented in photos the assessment assigns a moderate score and recommends verification of heating, cooling, water heater, and electrical panel operation before tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Front yard, walkway, porch and siding appear maintained. Metal roof looks intact and guttering is present. Porch guardrail exists. No visible foundation settlement, sagging, or standing water around the immediate front elevation. Landscaping is trimmed and driveway/walkway are serviceable. Overall exterior condition is good in photos."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in interior photos (NSPIRE critical item).",
"Unclear/possible lack of a functioning central heating system (multiple window AC units used) — 'no visible heating system' risk until verified.",
"Evidence of bathroom ceiling/finish deterioration at the threshold (possible past moisture) — recommend moisture source check."
],
"confidence": 0.6,
"assumptions": [
"No rental history in the last 5 years (snapshot shows missing) and market listing indicates 'AS-IS'.",
"Gas range and kitchen sink are functional; refrigerator presence not shown and may not be included.",
"Central HVAC existence is unclear — floor vent seen suggests ductwork, but multiple window AC units indicate central system may be non-functional or supplemented; assume HVAC requires verification/repair.",
"Water heater and electrical service/panel are present but not pictured; assume standard utilities available but require on-site confirmation.",
"No obvious major foundation movement or active roof leaks visible from provided exterior photo.",
"No visible smoke/CO detectors or GFCI outlets in provided interior photos — assume these are missing or not properly located.",
"Age of home (built 1940) implies potential lead-based paint hazard zones on older painted surfaces until a lead clearance or mitigation is documented."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3BR/1BA single-family house appears cosmetically livable with a sound exterior roof and intact envelope; most issues are cosmetic or moderate repairs. The main inspection risks are missing/undocumented smoke detectors, likely absence of GFCI protection at kitchen/bath, visible window AC/cord use and lack of photographed major systems (furnace, water heater, electrical panel). With targeted fixes (install/verify smoke detectors, install GFCI outlets as required, address visible electrical cord routing, minor cabinet/floor repairs, confirm HVAC and hot water operation) the property is likely able to pass an initial HCV/NSPIRE inspection within 2–6 weeks. If major systems are nonfunctional (heating, water heater, electrical faults) timeframe and cost increase substantially.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.0,
"rationale": "Interior and exterior photos show generally serviceable cosmetic condition with updated-looking metal roof, intact siding, functioning doors/windows and mostly intact flooring. Visible repair items: worn/aged kitchen cabinets and countertop edge, tile floor irregularities and missing grout in kitchen, baseboard/waterboard wear under sink, some minor ceiling texture damage and at least one ceiling fan with a damaged/worn blade. Stove and sink are present; no refrigerator shown in photos. Overall deficiencies are mainly cosmetic/medium-effort repairs rather than structural."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Moderate NSPIRE risk. Positive: bedrooms appear to have large egress windows, bathroom has grab bar in tub, porch has a railing. Negative/high-risk items: no smoke detectors visible in any interior photos, kitchen and bathroom outlets/GFCI not identifiable (likely missing GFCI protection), visible extension/AC cords and window AC units with wall cords (potential trip/electrical hazard) near living areas, unsecured TV cables and plug usage visible. No exposed knob-and-tube wiring seen, but main electrical panel not photographed so electrical condition is undetermined. These safety items would likely trigger inspector requests or conditional failures until resolved/verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Mixed evidence: exterior metal roof appears in good condition (low visible risk). Interior photos show floor vent registers which suggests central forced-air heat/AC may exist, but no HVAC equipment, furnace or water heater are shown. Window AC units are in use which could indicate central A/C is not functioning or not present. Plumbing fixtures (kitchen sink, bathroom fixtures) are present; hot water system not shown. Electrical panel not visible. Because crucial system components (furnace/HVAC condensing unit, water heater, electrical panel) are not documented, treat systems risk as moderate — likely functioning but require verification/servicing prior to inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Front yard, walkway and porch appear serviceable and safe; concrete walk to sidewalk is intact with no visible major trip hazards. Siding and exterior trim look intact, metal roof appears well-seated and likely recently replaced or in good shape. Shrubs partially block some windows (trim back recommended). No visible standing water, obvious foundation settlement or major exterior structural issues in photos. Driveway/side areas not fully shown."
}
],
"red_flags": [
"Missing/undocumented smoke detectors (no devices visible in photos)",
"Electrical hazards / improper cord usage visible (window AC cords, exposed power cords near TV) - potential electrical hazard",
"No visible GFCI protection at kitchen or bathroom outlets (likely required by code)",
"Major mechanical components not shown (furnace/AC condensing unit, water heater, electrical panel) — systems unverified before inspection"
],
"confidence": 0.65,
"assumptions": [
"Presence of heating is assumed based on visible floor vent registers though no furnace/HVAC equipment is photographed.",
"No active roof leaks are assumed because the metal roof appears intact in exterior photos and there are no visible interior water stains.",
"Smoke detectors and CO detectors are assumed NOT installed or not visible; none are shown in photographs.",
"GFCI protection is assumed absent in kitchen and bathroom because no GFCI outlets are visible in photos.",
"Hot water availability is assumed but unverified; water heater not photographed.",
"Electrical panel and service condition are unknown because not shown; assume typical for an older home (may need updating).",
"No major foundation movement or structural sagging is present because photos show level floors and consistent trim lines; hidden issues cannot be ruled out without inspection.",
"No evidence of severe mold, active leaks, or pest infestation visible in photos; assume none obvious."
],
"overall_score": 64.0,
"rubric_version": "nsPIRE_snapshot_v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1909 36th Ave N, Birmingham, AL, 35207",
"aggregate": {
"summary": "This 3-bed/1-bath single-family appears generally habitable and would likely pass a Housing Choice Voucher/NSPIRE inspection after addressing several moderate deficiencies. Primary fixes before inspection: install/verify smoke detectors and CO alarm, add required GFCI protection at kitchen/bath outlets, secure/replace damaged ceiling fan blade, secure loose/exposed AC/electrical cords, and perform minor repairs around the kitchen sink (cabinet kickboard, grout/tile). Major systems (roof and visible plumbing) look serviceable; HVAC operability and water heater must be confirmed. No obvious structural collapse or severe hazards visible in photos, but the 'AS-IS' listing and some interior wear mean a brief repair list (likely <30 days) is expected to reach turnkey status.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 68.3,
"rationale": "Overall interior finishes are intact but show deferred maintenance: mixed-quality flooring (some hardwood and tile in good shape, carpeted bedroom worn), tile floor near kitchen sink has stains and missing grout, cabinet kickboard under sink appears damaged/loose, minor ceiling crack visible in living area, several ceiling fans and fixtures present but one fan blade appears damaged in a photo. Kitchen has a working range but no refrigerator shown. These are mostly cosmetic and medium-effort repairs rather than structural. Seller listing 'AS-IS' increases probability of undisclosed minor defects but nothing in photos indicates major structural collapse."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Exterior curb appeal and site look sound: maintained lawn, solid concrete walkway to porch, intact porch railing, siding in serviceable condition, and a metal roof that appears intact. No visible foundation cracking or exterior water pooling in photos. Vegetation is trimmed away from the structure. Chimney visible but appears painted/serviced. Exterior overall presents low risk for immediate NSPIRE failures from photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE relevant)",
"score": 55.0,
"rationale": "Visible safety items show moderate risk. No smoke detectors or carbon monoxide alarms are visible in any photos (required). Window egress looks present in bedrooms. There are visible extension/AC cords running along baseboards under window AC units which may be an electrical/trip concern. GFCI outlets are not visible near the kitchen sink or bathroom sink (potential code/GFCI deficiency). Bathroom and tub surround look finished; a grab bar is installed in tub. Porch has railing; front walkway is level. Because smoke/CO detectors and GFCI protection cannot be confirmed and exposed cords are present, this is a moderate NSPIRE risk that will likely require quick remediation before inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 61.7,
"rationale": "Roof appears to be a metal roof in good visible condition with no signs of sagging or active leaks in photos. HVAC: window AC units are present in multiple rooms; a floor register is visible suggesting central heating/ductwork exists, but no central unit or furnace was photographed — HVAC operability must be verified. Plumbing fixtures (kitchen double sink, bathroom sink, toilet, tub/shower) are present and look functional though some cosmetic staining exists; hot water system not shown. No electrical panel is visible to confirm labeling; wiring visible is limited to appliance cords but no open junctions observed. Systems show likely serviceable condition but will need verification (heat and hot water operation, panel, GFCI)."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in photos (NSPIRE fail if absent).",
"Potential lack of GFCI protection at kitchen and bathroom outlets (not visible) — common NSPIRE/code failure.",
"Exposed/loose electrical cords near window AC units (trip/electrical hazard) visible in multiple rooms.",
"Cosmetic water-staining and damaged kickboard under kitchen sink suggesting prior water intrusion — requires verification to rule out ongoing leak."
],
"confidence": 0.95,
"assumptions": [
"Photos represent the entire unit interior and front exterior; no unseen severe damage exists in other areas.",
"Window AC units and a floor register indicate some form of heating exists (likely a central furnace) though the furnace/air handler and water heater were not photographed.",
"Range/stove is present and functional (gas burners visible); refrigerator is not pictured and may be missing — missing refrigerator is considered a moderate, easy-to-fix item.",
"No smoke or CO detectors were visible in photos; assume none are installed or existing units are non-compliant/unverified.",
"No electrical panel photo provided; assume panel is present but condition/labeling is unverified.",
"No evidence of active roof leaks, foundation movement, collapsed ceilings, or severe mold in photos; assume none present unless an on-site inspection finds otherwise.",
"Bathroom and kitchen plumbing fixtures are functional but hot water availability has not been confirmed."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "ns_prep_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7835358203"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.