440 Oakmont St, Birmingham, AL, 35020
Birmingham, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 65.30%
Confidence: 91.00%
This 3-bed, 1-bath brick house shows honest cosmetic wear but no visible structural collapse. Major systems and services appear present (kitchen appliances, floor vents, plumbing fixtures, exterior electric meter), which makes the property a reasonable candidate for Section 8 tenancy after targeted corrections. The top near-term inspection risks are lack of clearly visible, correctly-located smoke and CO detectors and probable missing GFCI protection at kitchen/bath outlets. Expect mostly minor repairs (detectors, GFCI outlets, trim, fence, floor touch-up) and system verification; allow contractor checks for HVAC and roof condition prior to inspection. With those corrections and functional testing, this property is likely to pass an initial HCV/NSPIRE inspection within 30 days.
Property Fundamentals
Property Description
Great property in the heart of Midfield for either an owner/occupant or investor. Property is in a quiet area and perfect for a small family. Schedule your showing today!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- No clearly visible, properly-located smoke detectors or CO detector in photos — likely automatic NSPIRE fail until installed/verified.
- No visible GFCI outlets in kitchen/bath — GFCI retrofits likely required near sink areas.
- Roof shingles appear aged; roof age/condition unverified — potential near-term capital expense if leaks develop.
- Chain-link fence shows rust/leaning and may present trip/gap hazard if not repaired.
Assumptions
- Central HVAC exists (floor vents present) and is operable or repairable; no visible furnace/condenser was provided in photos.
- Hot water heater and functioning hot water supply exist but were not photographed.
- Electrical service and main panel exist and are intact (exterior meter is present); no visible exposed wiring inside the home.
- Windows are operable and provide egress in bedrooms as required (bedrooms shown have standard windows but sill height not measured).
- Appliances photographed (stove, refrigerator) are present for tenant use; condition and gas/electrical hookups should be tested.
- No significant hidden water intrusion, mold, or structural foundation movement exists beyond what is shown; photos show no severe staining, sagging or major foundation cracks.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $622 | $52,100 | $10,420 |
| 2023 | $622 | $52,100 | $10,420 |
| 2022 | $483 | $40,500 | $8,100 |
| 2021 | $483 | $40,500 | $8,100 |
| 2020 | $483 | $40,500 | $8,100 |
| 2019 | $483 | $55,500 | $11,100 |
| 2018 | $565 | $47,400 | $9,480 |
| 2013 | $644 | $46,700 | $9,340 |
| 2012 | $644 | $52,700 | $10,540 |
| 2011 | $653 | $53,500 | $10,700 |
| 2010 | $653 | $53,500 | $10,700 |
| 2009 | $653 | $53,500 | $10,700 |
| 2008 | $695 | $57,000 | $11,400 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-19 | Relisted | $69,900 |
| 2026-01-01 | Listing removed | $0 |
| 2025-12-22 | Listed for rent | $1,200 |
| 2025-09-26 | Price Changed | $75,000 |
| 2025-07-29 | Listed | $80,000 |
| 2019-07-15 | Sold | $27,500 |
| 2008-12-17 | Listing removed | $59,900 |
| 2008-02-17 | Listed | $59,900 |
| 2008-01-31 | Sold | $25,000 |
| 2007-10-02 | Listed | $27,000 |
Photo Gallery
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"label": "Overall visible condition & repairs needed",
"score": 70.0,
"rationale": "Interior is mostly intact with painted walls and hardwood floors; visible wear on floors, trim and some door/trim damage. Kitchen and bathroom are present and functional-looking; stove and refrigerator are in place (reduces penalty). Exterior brick veneer appears sound. Chain-link fence shows rust and sag; front step trim/threshold is unfinished. Issues are largely cosmetic and mid-level maintenance (floor refinishing, trim replacement, fence repair, repainting). No obvious collapsed surfaces or heavy fire/water damage visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 55.0,
"rationale": "Some basic safety items are not clearly visible. There is a small white device above an interior door that could be a smoke detector but no confirmed, properly-located smoke detectors are pictured; no visible CO detector. GFCI outlets are not visibly present by the sink (kitchen outlet next to sink appears standard). No exposed wiring or open electrical junctions are visible and the exterior meter is present. Entry door has a deadbolt and a knob. Windows appear operable for egress but are older single-pane units. Front steps have a handrail on one side; number of risers is small. Because smoke/CO/GFCI presence is not confirmed, this raises likely NSPIRE inspection items that will need correction prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/electrical/plumbing/roof)",
"score": 60.0,
"rationale": "Plumbing fixtures are present (sink, toilet, tub) and bathroom surround looks recently replaced or patched; hot-water system not shown. Floor vents are visible which indicates central HVAC ducting exists, but no exterior condenser/air handler or age indicators are shown — operational status unknown. Electrical meter is present on the exterior wall; interior panel not shown. Roof appears intact with no visible sagging or active leak stains in interior photos, but shingles look aged. Overall systems appear complete but unverified and may require functional testing and minor repairs."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 65.0,
"rationale": "Brick walls and foundation appear generally sound with no visible major cracks. Driveway/carport is serviceable; carport ceiling fan present. Chain-link fence exhibits rust and some leaning/gap at the gate—needs repair. Yard is modest and clear of debris. Gutters present but age unknown. No signs of standing water, major grading issues or infestation visible in photos."
}
],
"red_flags": [
"No clearly visible, properly-located smoke detectors or CO detector in photos — likely automatic NSPIRE fail until installed/verified.",
"No visible GFCI outlets in kitchen/bath — GFCI retrofits likely required near sink areas.",
"Roof shingles appear aged; roof age/condition unverified — potential near-term capital expense if leaks develop.",
"Chain-link fence shows rust/leaning and may present trip/gap hazard if not repaired."
],
"confidence": 0.62,
"assumptions": [
"Central HVAC exists (floor vents present) and is operable or repairable; no visible furnace/condenser was provided in photos.",
"Hot water heater and functioning hot water supply exist but were not photographed.",
"Electrical service and main panel exist and are intact (exterior meter is present); no visible exposed wiring inside the home.",
"Windows are operable and provide egress in bedrooms as required (bedrooms shown have standard windows but sill height not measured).",
"Appliances photographed (stove, refrigerator) are present for tenant use; condition and gas/electrical hookups should be tested.",
"No significant hidden water intrusion, mold, or structural foundation movement exists beyond what is shown; photos show no severe staining, sagging or major foundation cracks."
],
"overall_score": 63.0,
"rubric_version": "ns-p-s8-2026-1"
},
{
"summary": "Overall this 3-bed/1-bath brick home appears structurally intact and mostly turnkey with cosmetic repairs and routine maintenance needed. Appliances are present. Major visible safety or structural failures are not evident in photos. Primary inspection risks are unverified safety items (smoke detectors, GFCI outlets, bathroom ventilation), and unconfirmed operability of major systems (HVAC, water heater). With verification and quick fixes (install/verify smoke detectors, add/verify GFCI, minor trim and floor touch-ups, fence/porch repairs) it's likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears cosmetically sound with intact hardwood floors (scuffed), painted walls, intact trim and baseboards though some trim/door casings need finishing. Kitchen and bath fixtures present; stove and refrigerator are shown (reduces penalty). Minor items visible: damaged/blind slats, scuffed doors, worn floor finish, small baseboard/threshold gap at one doorway, fence rust at bottom. These are mostly cosmetic or small maintenance items that are easy-to-fix and will not require major structural work."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 60.0,
"rationale": "No obvious life-threatening hazards in photos (no collapsed ceilings, active water intrusion, or major electrical arcing). Handrail present at front steps. However several NSPIRE items are not clearly shown: smoke detectors are not clearly confirmed in sleeping areas (a small device near interior door could be a detector but is unverified), GFCI protection in kitchen/bath not visible, bathroom ventilation not confirmed, bedroom egress windows are likely but cannot be verified as meeting egress dimensions. Electrical meter and service are present outside; no exposed wiring seen. Because critical safety devices and GFCI/Egress cannot be confirmed from photos, assign moderate risk that an inspection could require fixes."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 60.0,
"rationale": "Floor registers/vents visible indicating central forced-air HVAC likely present, but no equipment (furnace/AC) or water heater shown to confirm operability. Electrical service and meter present externally. Roof appears aged but intact from photos with no visible sagging or active leaks; gutters present. Plumbing fixtures visible and appear functional (kitchen sink, bathroom tub/shower), but condition of hot water heater and plumbing supply/drainage cannot be confirmed. Because systems appear present but unverified and some components are older, rate as moderate risk pending equipment verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Brick exterior and foundation appear sound with no visible major cracks or settlement. Yard is mowed and driveway/carport are serviceable. Chain-link fence shows surface rust and a slightly misaligned gate needing adjustment/repair. Roof shows wear consistent with age but no visible major failure in photos. Carport ceiling fan and exterior lighting are present. Overall exterior condition is serviceable with minor maintenance needed."
}
],
"red_flags": [
"Unverified smoke/CO detector coverage — no clearly confirmed smoke detectors in sleeping areas (inspection fail risk if missing).",
"No visible GFCI outlets in kitchen or bathroom in photos — could fail NSPIRE kitchen/bath electrical safety checks if not present.",
"Major systems (HVAC, water heater) operability not verified — could become inspection fails if not functioning."
],
"confidence": 0.65,
"assumptions": [
"Central forced-air HVAC is present and uses the visible floor registers; operability assumed but not confirmed.",
"Electric range and refrigerator pictured are functioning or will be provided; no gas appliances present.",
"No visible active roof leaks or interior water stains implies roof is weathertight; only age-related wear is present.",
"Electrical service is active and panel is intact though the panel is not shown in photos.",
"Water heater exists on property and provides hot water, but its condition is not shown.",
"Bedrooms have windows that provide egress typical of houses of this age; exact dimensions not verified.",
"No evidence of severe mold, asbestos, or lead hazards is visible in photos; older home (1963) may have lead-based paint risk that should be tested/mitigated per local requirements."
],
"overall_score": 67.0,
"rubric_version": "ns-2026-01"
},
{
"summary": "Overall this 3-bed, 1-bath brick bungalow appears structurally intact and mostly rent-ready with mostly cosmetic and verification items remaining. The property shows typical minor deferred maintenance (floors, trim, paint) and has major positives: stove and refrigerator present, intact exterior brick, usable entry and carport. Primary inspection risks that should be addressed before a Housing Choice Voucher/NSPIRE initial inspection are installation/verification of smoke detectors (required in sleeping areas and levels), GFCI protection in kitchen/bath, verification of a working heating system and hot water, and sealing/repair of bathroom tub seams. If those items are completed and systems verified, the home would likely pass an initial HCV inspection after minor repairs (estimated <30 days).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior is largely intact but shows deferred cosmetic work: worn/ scratched hardwood floors, missing/rough door trim at the entry, scuffed doors, broken blinds and minor wall/trim damage. Kitchen and bath fixtures are present and appear functional; range and refrigerator are in place (reduces impact of missing-appliance risk). No visible collapsed surfaces or exposed subfloor. These are mostly cosmetic and moderate capital repairs (refinish floors, replace trim, paint, minor cabinet/hood repair)."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE-focused)",
"score": 60.0,
"rationale": "No clearly visible smoke detectors in photos (NSPIRE requires alarms in sleeping areas and levels) and no clearly visible GFCI-protected receptacle in kitchen/bath – both create inspection risk. Entry door has a deadbolt and handrail present at front steps. No exposed wiring is visible and plumbing fixtures appear intact. Egress windows appear typical for bedrooms but measurements not verified from photos. No visible active water intrusion, collapsed ceilings or severe mold. Overall a moderate compliance risk until alarms/GFCIs/verification of hot water and working detectors are confirmed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 60.0,
"rationale": "Floor registers and ceiling vents indicate a central HVAC/forced-air system likely exists, but no furnace/AC equipment or water heater is pictured so operation is unverified. Electrical service/meter is present outside and interior outlets appear to have covers. Roof shingles look aged but intact in photos; no active leaks visible. Plumbing fixtures in kitchen and bath are present; tub surround shows seam/caulk gaps that could allow moisture if not properly sealed. Because critical systems are plausible but not confirmed, score reflects moderate uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Brick envelope appears sound with no obvious foundation movement. Carport and covered entry look serviceable. Chain-link fence and yard are functional though gate/sections show sagging/rust and some minor site repair is needed. Walkway, driveway and porch steps are present and usable. No visible standing water or major site drainage problems in photos."
}
],
"red_flags": [
"No clearly visible smoke detectors in photos (NSPIRE requirement) — must install/verify.",
"No visible heating/AC equipment or water heater in photos (critical systems unverified) — inspector will verify operation.",
"No clearly identified GFCI receptacle in kitchen/bath (NSPIRE requirement) — likely to fail until corrected.",
"Bathroom tub surround shows seam/gap and rough caulking — potential water intrusion risk if not repaired."
],
"confidence": 0.65,
"assumptions": [
"Interior photos are representative of the full unit (no unseen severe damage in other rooms).",
"Stove and refrigerator shown in photos are included and operational or will be made operational prior to inspection.",
"Floor vents and wall thermostat locations (not pictured) indicate an existing central HVAC system; furnace/AC are present but not shown.",
"No active roof leaks or major hidden water damage exist beyond what is visible in photos.",
"Electrical panel and grounding are intact and up to local code (not visible in photos).",
"No peeling lead-based paint or active severe mold is present; paint appears intact in photos. (Property built 1963 = potential for lead; testing recommended.)"
],
"overall_score": 67.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "440 Oakmont St, Birmingham, AL, 35020",
"aggregate": {
"summary": "This 3-bed, 1-bath brick house shows honest cosmetic wear but no visible structural collapse. Major systems and services appear present (kitchen appliances, floor vents, plumbing fixtures, exterior electric meter), which makes the property a reasonable candidate for Section 8 tenancy after targeted corrections. The top near-term inspection risks are lack of clearly visible, correctly-located smoke and CO detectors and probable missing GFCI protection at kitchen/bath outlets. Expect mostly minor repairs (detectors, GFCI outlets, trim, fence, floor touch-up) and system verification; allow contractor checks for HVAC and roof condition prior to inspection. With those corrections and functional testing, this property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Overall visible condition & repairs needed",
"score": 72.3,
"rationale": "Interior is mostly intact with painted walls and hardwood floors; visible wear on floors, trim and some door/trim damage. Kitchen and bathroom are present and functional-looking; stove and refrigerator are in place (reduces penalty). Exterior brick veneer appears sound. Chain-link fence shows rust and sag; front step trim/threshold is unfinished. Issues are largely cosmetic and mid-level maintenance (floor refinishing, trim replacement, fence repair, repainting). No obvious collapsed surfaces or heavy fire/water damage visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site and walkways",
"score": 70.0,
"rationale": "Brick walls and foundation appear generally sound with no visible major cracks. Driveway/carport is serviceable; carport ceiling fan present. Chain-link fence exhibits rust and some leaning/gap at the gate—needs repair. Yard is modest and clear of debris. Gutters present but age unknown. No signs of standing water, major grading issues or infestation visible in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code compliance risk",
"score": 58.3,
"rationale": "Some basic safety items are not clearly visible. There is a small white device above an interior door that could be a smoke detector but no confirmed, properly-located smoke detectors are pictured; no visible CO detector. GFCI outlets are not visibly present by the sink (kitchen outlet next to sink appears standard). No exposed wiring or open electrical junctions are visible and the exterior meter is present. Entry door has a deadbolt and a knob. Windows appear operable for egress but are older single-pane units. Front steps have a handrail on one side; number of risers is small. Because smoke/CO/GFCI presence is not confirmed, this raises likely NSPIRE inspection items that will need correction prior to pass."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC/electrical/plumbing/roof)",
"score": 60.0,
"rationale": "Plumbing fixtures are present (sink, toilet, tub) and bathroom surround looks recently replaced or patched; hot-water system not shown. Floor vents are visible which indicates central HVAC ducting exists, but no exterior condenser/air handler or age indicators are shown — operational status unknown. Electrical meter is present on the exterior wall; interior panel not shown. Roof appears intact with no visible sagging or active leak stains in interior photos, but shingles look aged. Overall systems appear complete but unverified and may require functional testing and minor repairs."
}
],
"red_flags": [
"No clearly visible, properly-located smoke detectors or CO detector in photos — likely automatic NSPIRE fail until installed/verified.",
"No visible GFCI outlets in kitchen/bath — GFCI retrofits likely required near sink areas.",
"Roof shingles appear aged; roof age/condition unverified — potential near-term capital expense if leaks develop.",
"Chain-link fence shows rust/leaning and may present trip/gap hazard if not repaired."
],
"confidence": 0.91,
"assumptions": [
"Central HVAC exists (floor vents present) and is operable or repairable; no visible furnace/condenser was provided in photos.",
"Hot water heater and functioning hot water supply exist but were not photographed.",
"Electrical service and main panel exist and are intact (exterior meter is present); no visible exposed wiring inside the home.",
"Windows are operable and provide egress in bedrooms as required (bedrooms shown have standard windows but sill height not measured).",
"Appliances photographed (stove, refrigerator) are present for tenant use; condition and gas/electrical hookups should be tested.",
"No significant hidden water intrusion, mold, or structural foundation movement exists beyond what is shown; photos show no severe staining, sagging or major foundation cracks."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "ns-p-s8-2026-1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7881465621"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.