Property ID: 7872417853
427 Bluebonnet St, Terrytown, LA, 70056
Terrytown, LA
Money Down: $39,576
CoC Return: 0.14%
Monthly Cash Flow: $5
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$32,980
Closing Costs
$6,596
Total Down
$39,576
Investment Snapshot
Purchase Price
$164,900
Money Down
$39,576
Cash-on-Cash Return
0.14%
Rent
$1,303
Monthly Cash Flow
$5
Annual Cash Flow
$56
Debt Service / Mo
$878
Property Tax / Mo
$195
Insurance / Mo
$95
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,303
Payment Standard
$1,552
Rent
$1,303
Insurance
$95
Property Tax
$195
Management
$130
Utilities Allowance
$249
NOI (Monthly)
$882
Debt Service
$878
Cash Flow After Debt
$5
Quality Score: 77.80%
Confidence: 89.00%
This 1996 slab-ranch appears to be largely turnkey for Section 8 tenancy after routine verification of safety devices and mechanicals. Interior renovations (new vinyl floors, updated kitchen and baths) and presence of appliances make the unit attractive and mostly rent-ready. The main inspection risk is lack of photographic verification for required detectors (smoke/CO), GFCI protected outlets, electrical panel condition, and water heater/A/C access – these are common on-site checklist items that likely can be remedied quickly if missing. Expect a passable initial HCV inspection with a 1–2 week remediation window for missing detectors or minor electrical/GFCI fixes; if mechanicals (A/C or water heater) are nonfunctional, turn-key time could extend significantly.
Section 8 Payment Standard
$1,552
Utility Allowance Total
$249
Guaranteed Section 8 Rent (PS - Utilities)
$1,303
Property Management
$130
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$164,900
Beds
2
Baths
1.5
Living Area
1,221 sqft
Lot Size
6,599 sqft
Year Built
1996
Days on Market
14
Capital Outlay
$39,576
Debt Service
$878
Property Tax / Mo
$195
Insurance / Mo
$95
Property Description
Charming slab ranch home, sizeable backyard with shed, lovely quiet neighborhood, minutes from downtown New Orleans. Kitchen appliances to remain in the home. Storage shed and carport in the driveway, we have recently completed a significant improvement: the floors was replaced with beautiful vinyl flooring. This upgrade not only enhances the aesthetic appeal but also offers durability and ease of maintenance.Please give 24 hours notice to tour/Tenant.
Utility Allowances
cooking
$10
The property information explicitly lists 'Gas: Natural' and includes a range/oven.
heating
$61
The property details specify 'Heating Features: Central' and 'Gas: Natural'.
other_electric
$57
This is a standard fixed allowance for general electricity usage (e.g., lights, outlets, fans) not covered by other specific categories.
sewer
$39
The property information confirms connection to a public/city sewer system.
trash_collection
$25
Standard fixed allowance for municipal trash service, applicable to single-family homes.
water
$36
The property details state the water source is 'Public'.
water_heating
$21
The property has natural gas for heating and cooking, making it the most probable and economical fuel for water heating.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,142
DP3 Annual Estimate$1,142
DP1 Monthly Equivalent$95
DP3 Monthly Equivalent$95
Replacement Value$124,800
Basis1,221 sqft / 1996
Nearby Houses
Photo unavailable
2121 Stumpf Blvd
off_market · 0.10 mi
Price: $230,000
3 bd / 3 ba · 1,298 sqft
Latest sale: — on Jun 21, 2022
Latest rent: —
Photo unavailable
423 Bruce Ave
for_sale · 0.11 mi
Price: $209,900
3 bd / 2 ba · 1,501 sqft
Latest sale: —
Latest rent: —
Photo unavailable
429 Holmes Blvd
for_sale · 0.13 mi
Price: $277,900
3 bd / 2 ba · 1,343 sqft
Latest sale: —
Latest rent: —
Photo unavailable
427 Holmes Blvd
for_sale · 0.13 mi
Price: $284,900
4 bd / 2 ba · 1,555 sqft
Latest sale: —
Latest rent: —
Photo unavailable
419 Holmes Blvd
for_sale · 0.15 mi
Price: $248,900
3 bd / 2 ba · 1,270 sqft
Latest sale: —
Latest rent: —
Photo unavailable
421 Holmes Blvd
for_sale · 0.15 mi
Price: $269,795
3 bd / 2 ba · 1,343 sqft
Latest sale: —
Latest rent: —
Photo unavailable
2121 Dupont Dr
sold · 0.15 mi
Price: $125,000
3 bd / 1 ba · 960 sqft
Latest sale: — on Sep 23, 2021
Latest rent: —
Photo unavailable
417 Holmes Blvd
for_sale · 0.15 mi
Price: $258,900
3 bd / 2 ba · 1,343 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement 'kitchen appliances to remain' is accurate and the photographed refrigerator, range, microwave and dishwasher will be present at inspection.
- An operational central HVAC system is present and functional (a wall thermostat/control is visible in photos), but exterior condenser and service record were not provided.
- Water heater and hot water supply are present and functioning though not photographed.
- Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be present but must be confirmed and installed per NSPIRE locations if missing.
- Electrical panel, meter, and GFCI outlets exist and are code-compliant, but their condition cannot be confirmed from photos.
- Bedrooms have code-compliant egress windows though individual bedroom photos were not provided.
- No hidden severe roof leaks, structural movement, or active pest infestation exist based on clean interior ceilings and exterior appearance; if those hidden issues are present, inspection risk would increase materially.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,274 | $171,000 | $17,100 |
| 2024 | $2,268 | $171,000 | $17,100 |
| 2023 | $2,235 | $171,000 | $17,100 |
| 2022 | $2,178 | $171,000 | $17,100 |
| 2021 | $2,053 | $171,000 | $17,100 |
| 2020 | $852 | $71,500 | $7,150 |
| 2019 | $874 | $71,500 | $7,150 |
| 2018 | $587 | $51,400 | $5,140 |
| 2017 | $562 | $51,400 | $5,140 |
| 2016 | $551 | $51,400 | $5,140 |
| 2015 | $577 | $52,500 | $5,250 |
| 2014 | $570 | $52,500 | $5,250 |
| 2013 | $550 | $52,500 | $5,250 |
| 2010 | $548 | $53,500 | $5,350 |
| 2009 | $548 | $53,500 | $5,350 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-04-23 | Sold | — |
| 2019-03-14 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-12-17 | Listed for rent | $1,300 | — |
Photo Gallery
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"cash_on_cash_return": 0.32,
"down_payment_amount": 32980.0,
"property_tax_annual": 2342.22,
"property_tax_monthly": 195.19,
"property_tax_increase": 0.03,
"utility_allowance_total": 249.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 56.18,
"property_management_monthly": 130.3,
"monthly_cash_flow_after_debt": 4.68,
"cash_on_cash_return_after_debt": 0.0
},
"section8_assessment": {
"runs": [
{
"summary": "This 1996 slab-ranch appears to be largely turnkey for Section 8 tenancy after routine verification of safety devices and mechanicals. Interior renovations (new vinyl floors, updated kitchen and baths) and presence of appliances make the unit attractive and mostly rent-ready. The main inspection risk is lack of photographic verification for required detectors (smoke/CO), GFCI protected outlets, electrical panel condition, and water heater/A/C access – these are common on-site checklist items that likely can be remedied quickly if missing. Expect a passable initial HCV inspection with a 1–2 week remediation window for missing detectors or minor electrical/GFCI fixes; if mechanicals (A/C or water heater) are nonfunctional, turn-key time could extend significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring throughout, fresh paint, updated kitchen cabinets, countertops and appliances present, updated bath tile and vanities. No visible major cosmetic damage, flooring looks well installed. Minor issues observed: slight threshold/transition irregularity in hallway/bath entry and small scuffs at cabinet toe/kick — easy fixes. Missing or damaged small trim or outlet covers not observed. Listing states kitchen appliances remain. Overall turnkey cosmetic condition with only minor touch-ups required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No visible exposed wiring, no visible active water stains, ceilings appear intact and level, bathrooms/showers look finished, and entry appears secure. However critical NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarms not shown, GFCI protection in kitchen/bath cannot be confirmed, electrical panel not shown, and deadbolt on exterior doors not clearly visible. Bedrooms/egress windows not explicitly photographed. No evidence of severe mold, standing water, collapsed ceilings, or structural sagging. Because key safety devices and electrical/GFCI verification are not visible, moderate compliance risk remains until verified on-site."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Major systems appear likely in good order based on visible indicators: renovated interior and presence of a wall-mounted thermostat/ control (photo shows a small wall control) suggests functioning HVAC, kitchen appliances (stove, microwave, dishwasher, refrigerator) are present and appear modern, and bathroom fixtures look serviceable. Roof appears intact from front elevation photos with no visible sagging or staining. Water heater, electrical panel, and A/C condenser were not photographed so their condition is unconfirmed. No visible plumbing leaks. Score reflects likely functioning systems but deducts for missing direct verification of water heater, panel, and A/C equipment."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior shows a slab ranch with intact siding, an attached carport, fenced side yard and storage shed noted in listing and visible fencing. Yard is level and free of debris; driveway and walk path show minor cracking but no trip-hazard scale defects. Large shade tree in front (root/driveway impact not evident). No visible foundation movement, severe siding failure, or drainage pooling from photos. Overall good site condition with normal minor wear."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing statement 'kitchen appliances to remain' is accurate and the photographed refrigerator, range, microwave and dishwasher will be present at inspection.",
"An operational central HVAC system is present and functional (a wall thermostat/control is visible in photos), but exterior condenser and service record were not provided.",
"Water heater and hot water supply are present and functioning though not photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be present but must be confirmed and installed per NSPIRE locations if missing.",
"Electrical panel, meter, and GFCI outlets exist and are code-compliant, but their condition cannot be confirmed from photos.",
"Bedrooms have code-compliant egress windows though individual bedroom photos were not provided.",
"No hidden severe roof leaks, structural movement, or active pest infestation exist based on clean interior ceilings and exterior appearance; if those hidden issues are present, inspection risk would increase materially."
],
"overall_score": 83.0,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026"
},
{
"summary": "Overall this 2-bed slab ranch appears largely turnkey for HCV/NSPIRE initial inspection with recent interior renovations, functioning fixtures and appliances included. Main inspection risks are items that cannot be confirmed from photos: presence/operation of smoke and CO detectors, GFCI protection, operation of HVAC and hot water, and electrical panel condition. If those systems are functional and detectors/GFCI are installed, the property is likely to pass initial inspection with only minor repairs/verification (score ~82 = turnkey with brief prep). Recommend confirming detectors, GFCI outlets, deadbolt on entry, HVAC and hot water operation prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring, painted walls, updated kitchen cabinets/countertops and appliances shown. Bathrooms look updated and fixtures present. No visible major cosmetic damage, torn flooring, collapsed surfaces or missing interior doors. Minor observable wear at cabinet base and a sidewalk crack outside; missing/loose outlet covers not seen. Because appliances are present and cosmetics are good, only minor prep/turnover items are likely."
},
{
"key": "safety_code",
"label": "Safety & code compliance (NSPIRE risks)",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards in photos: ceilings intact, no visible active leaks, no sagging, handrails not required for slab entry. However key NSPIRE items are not verifiable from images: smoke/CO detectors not visible, GFCI protection in kitchen/bath cannot be confirmed, electrical panel/exposed wiring not shown, and bedroom egress windows are not clearly documented. Exterior door looks solid but deadbolt presence is not confirmed. Moderate risk due to unverified but likely-addressable items."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 70.0,
"rationale": "No visible signs of roof failure, structural movement, or plumbing leaks. Interior shows ventilation grills and ceiling fans suggesting cooling, but no HVAC equipment, water heater or electrical panel photos to confirm operational condition. Kitchen appliances present and plumbing fixtures appear installed. Without system verifications (heat/AC operation, hot water, electrical panel/GFCI) there is moderate uncertainty but no visible major system failures."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 85.0,
"rationale": "Front yard, siding and fence appear maintained; carport and driveway present; storage shed noted in listing (not fully photographed). Tree close to the roof but no visible roof damage. Minor sidewalk cracking and typical yard wear observed. No visible standing water, major foundation exposure, or infestation evidence in photos."
},
{
"key": "rental_history_activity",
"label": "Recent rental activity (5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Kitchen appliances (stove, microwave, refrigerator, dishwasher) remain and are operational as listing states appliances 'to remain'.",
"No active roof leaks or structural movement beyond what is visible in photos (roof appears intact though only partially visible).",
"Central HVAC exists and is operational (vent/register visible in photo), but not shown directly.",
"Smoke detectors and carbon monoxide alarms may be present but were not visible in photos — their presence and operability must be verified.",
"Electrical panel and wiring are intact and without exposed hazards though not photographed.",
"Hot water provision exists but water heater not photographed; assume operational unless proven otherwise.",
"Bedrooms have adequate egress windows as typical for a 1996 slab ranch, though not explicitly shown."
],
"overall_score": 82.0,
"rubric_version": "nsPIRE-v1-2026-03"
},
{
"summary": "This 2-bed, 1.5-bath slab ranch appears largely turnkey for Section 8/HCV: interior renovations (new vinyl flooring, updated kitchens and baths, appliances included) and an intact exterior suggest only minor work is needed. Primary inspection risks are non-visible NSPIRE items (smoke/CO alarms, GFCI verification, bedroom egress sizing, electrical panel/water heater confirmation). If those items are present and functional, the home is likely to pass an initial HCV inspection with only minor corrections; if they are missing, quick fixes (install detectors, GFCI, deadbolt) should bring it into compliance within 1-2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring, fresh paint, updated kitchens and baths, intact baseboard trim. Photos show working stainless appliances (fridge, range, microwave, dishwasher) and solid cabinetry. Minor cosmetic scuffs visible on island base and small sidewalk crack outside. No visible collapsed surfaces or exposed subfloors. Missing/loose small finish items (outlet covers, thresholds) could be needed but are easy fixes."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 70.0,
"rationale": "No visible exposed wiring, no visible water intrusion or mold in photos. Central HVAC return grille visible in hallway and ceiling fans present. However smoke detectors and carbon monoxide alarms are not visible in any interior photo (required), bedroom egress windows are not clearly shown and some windows appear narrow (egress uncertainty). Entry door hardware visible but deadbolt not clearly shown. GFCI outlets at sink not visible. Because several NSPIRE-required items are not verifiably present, score is reduced to reflect inspection risk despite generally sound interior."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Central HVAC evidence (return grill) and ceiling fans suggest heating/cooling is present; no visible signs of roof sagging or active leaks from interior photos. Kitchen and baths appear recently renovated with functioning fixtures and appliances. Water heater and electrical panel are not shown—no evidence of failure but unverified. Systems appear serviceable based on visible condition, but missing confirmations (water heater, panel labeling, GFCI) reduce score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Single-story slab ranch with carport and fenced yard. Siding and paint appear in good condition; yard and concrete walkways are serviceable though there is a small crack in the sidewalk. Storage shed present per listing. Large tree in front yard close to structure (root or branch risk long-term). No visible standing water or major foundation exposure. Overall tidy curb appeal and functional site."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Kitchen appliances pictured (fridge, range, microwave, dishwasher) remain with the property as listing states.",
"Central HVAC is present and operational based on visible return grille; system has not been physically tested.",
"No active roof leaks or structural movement exist; roof appears intact from exterior photos but attic/ceiling not inspected.",
"Electrical panel and water heater are present and functional though not shown in photos.",
"Bedrooms provide code-compliant egress windows per original 1996 construction, but egress dimensions are unverified from photos.",
"Smoke and carbon monoxide detectors are not visible in photos and therefore assumed not verifiable; installation may be required.",
"No visible active pest infestation or severe mold; surfaces shown are clean and recently renovated.",
"Tenant access note in listing indicates an occupied rental; interior photos likely show current tenant-furnished state."
],
"overall_score": 78.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "427 Bluebonnet St, Terrytown, LA, 70056",
"aggregate": {
"summary": "This 1996 slab-ranch appears to be largely turnkey for Section 8 tenancy after routine verification of safety devices and mechanicals. Interior renovations (new vinyl floors, updated kitchen and baths) and presence of appliances make the unit attractive and mostly rent-ready. The main inspection risk is lack of photographic verification for required detectors (smoke/CO), GFCI protected outlets, electrical panel condition, and water heater/A/C access – these are common on-site checklist items that likely can be remedied quickly if missing. Expect a passable initial HCV inspection with a 1–2 week remediation window for missing detectors or minor electrical/GFCI fixes; if mechanicals (A/C or water heater) are nonfunctional, turn-key time could extend significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior appears recently renovated: new vinyl plank flooring throughout, fresh paint, updated kitchen cabinets, countertops and appliances present, updated bath tile and vanities. No visible major cosmetic damage, flooring looks well installed. Minor issues observed: slight threshold/transition irregularity in hallway/bath entry and small scuffs at cabinet toe/kick — easy fixes. Missing or damaged small trim or outlet covers not observed. Listing states kitchen appliances remain. Overall turnkey cosmetic condition with only minor touch-ups required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 81.7,
"rationale": "Exterior shows a slab ranch with intact siding, an attached carport, fenced side yard and storage shed noted in listing and visible fencing. Yard is level and free of debris; driveway and walk path show minor cracking but no trip-hazard scale defects. Large shade tree in front (root/driveway impact not evident). No visible foundation movement, severe siding failure, or drainage pooling from photos. Overall good site condition with normal minor wear."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No visible exposed wiring, no visible active water stains, ceilings appear intact and level, bathrooms/showers look finished, and entry appears secure. However critical NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarms not shown, GFCI protection in kitchen/bath cannot be confirmed, electrical panel not shown, and deadbolt on exterior doors not clearly visible. Bedrooms/egress windows not explicitly photographed. No evidence of severe mold, standing water, collapsed ceilings, or structural sagging. Because key safety devices and electrical/GFCI verification are not visible, moderate compliance risk remains until verified on-site."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 73.3,
"rationale": "Major systems appear likely in good order based on visible indicators: renovated interior and presence of a wall-mounted thermostat/ control (photo shows a small wall control) suggests functioning HVAC, kitchen appliances (stove, microwave, dishwasher, refrigerator) are present and appear modern, and bathroom fixtures look serviceable. Roof appears intact from front elevation photos with no visible sagging or staining. Water heater, electrical panel, and A/C condenser were not photographed so their condition is unconfirmed. No visible plumbing leaks. Score reflects likely functioning systems but deducts for missing direct verification of water heater, panel, and A/C equipment."
}
],
"red_flags": [],
"confidence": 0.89,
"assumptions": [
"Listing statement 'kitchen appliances to remain' is accurate and the photographed refrigerator, range, microwave and dishwasher will be present at inspection.",
"An operational central HVAC system is present and functional (a wall thermostat/control is visible in photos), but exterior condenser and service record were not provided.",
"Water heater and hot water supply are present and functioning though not photographed.",
"Smoke detectors and carbon monoxide alarms are not visible in photos; assume they may be present but must be confirmed and installed per NSPIRE locations if missing.",
"Electrical panel, meter, and GFCI outlets exist and are code-compliant, but their condition cannot be confirmed from photos.",
"Bedrooms have code-compliant egress windows though individual bedroom photos were not provided.",
"No hidden severe roof leaks, structural movement, or active pest infestation exist based on clean interior ceilings and exterior appearance; if those hidden issues are present, inspection risk would increase materially."
],
"score_method": "mean_of_criteria",
"overall_score": 77.8,
"rubric_version": "nsPIRE-v1.0-photo-assessment-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7872417853"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.