Property ID: 7908382637
4954 Joan Marie Dr, Barataria, LA, 70036
Barataria, LA
Money Down: $61,200
CoC Return: -2.79%
Monthly Cash Flow: $-142
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$51,000
Closing Costs
$10,200
Total Down
$61,200
Investment Snapshot
Purchase Price
$254,999
Money Down
$61,200
Cash-on-Cash Return
-2.79%
Rent
$1,656
Monthly Cash Flow
$-142
Annual Cash Flow
$-1,705
Debt Service / Mo
$1,357
Property Tax / Mo
$117
Insurance / Mo
$158
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,656
Payment Standard
$1,983
Rent
$1,656
Insurance
$158
Property Tax
$117
Management
$166
Utilities Allowance
$327
NOI (Monthly)
$1,215
Debt Service
$1,357
Cash Flow After Debt
$-142
Quality Score: 79.50%
Confidence: 95.00%
Overall this property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection after routine verification items. Interior and exterior photos show a well‑kept single family home with working appliances, intact finishes, functioning fixtures, and safe stairs/railings. Primary concerns that need confirmation before move‑in are functioning smoke and CO detectors, GFCI protection in wet areas, and verification of HVAC, water heater, and electrical panel condition. Waterfront/flood zone exposure increases risk for moisture-related issues and should be investigated.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$327
Guaranteed Section 8 Rent (PS - Utilities)
$1,656
Property Management
$166
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$254,999
Beds
3
Baths
2.5
Living Area
2,383 sqft
Lot Size
7,248 sqft
Year Built
1992
Days on Market
215
Capital Outlay
$61,200
Debt Service
$1,357
Property Tax / Mo
$117
Insurance / Mo
$158
Property Description
4954 Joan Marie Dr., Barataria, LA 70036 Waterfront living at its finest! This spacious 3-bedroom, 2.5-bath split-level home offers 2,383 sq ft of comfortable living space in a beautiful area of Barataria, surrounded by lovely homes. The first level features 2 bedrooms, a full bath, and a generous entertaining area that opens to a patio overlooking the water - perfect for relaxing or hosting guests. The second level boasts a traditional kitchen, living room, formal dining, primary suite with bath, and a half bath. Enjoy the screened-in balcony with serene water views, ideal for morning coffee or evening sunsets. Barataria offers a true waterfront lifestyle - enjoy fishing, boating, and kayaking right from your backyard, along with peaceful bayou views and access to the natural beauty of coastal Louisiana. Additional features include plenty of parking and a flood premium of only $863/year. Don't miss the opportunity to call this beautiful waterfront property your home!
Utility Allowances
cooking
$17
Property includes a range/oven. Fuel type was not specified, so Electric was chosen as it is a common fuel source and is more expensive than the natural gas option on the schedule.
heating
$78
Property has central heating. Electric Heat Pump was selected as it is consistent with a central air system and is the more expensive of the two most plausible options (vs. Natural Gas).
other_electric
$67
This is a standard fixed allowance for general electricity, including lights, outlets, and central air conditioning, which the property has.
sewer
$46
Property has 'Public Sewer' as explicitly stated in the listing details.
trash_collection
$25
This is a standard municipal service assumed for a single-family detached home.
water
$43
Property has a 'Public' water source as explicitly stated in the listing details.
water_heating
$51
Water heating is required. The fuel type was not specified, so Electric was chosen as it is a common option and more expensive than natural gas, per instructions for ambiguity.
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$1,860
DP3 Annual Estimate$1,944
DP1 Monthly Equivalent$155
DP3 Monthly Equivalent$162
Replacement Value$66,600
Basis2,383 sqft / 1992
Nearby Houses
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4920 Fran Ln
for_sale · 0.07 mi
Price: $230,000
3 bd / 2 ba · 1,581 sqft
Latest sale: — on Apr 22, 2022
Latest rent: —
Photo unavailable
4943 Fran Ln Lot 54A
for_sale · 0.10 mi
Price: $44,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4906 Deborah Ann Dr Lot 74
off_market · 0.12 mi
Price: $60,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4900 Deborah Ann Dr Lot 73
for_sale · 0.13 mi
Price: $54,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4896 Deborah Ann Dr Lot 72
off_market · 0.14 mi
Price: $44,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
4990 Kaylee Ln Lot 80A
for_sale · 0.15 mi
Price: $50,000
— bd / — ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- Property is waterfront / in a flood zone (listing cites flood premium) — higher risk of flooding, moisture intrusion and mold; confirm elevation, flood mitigation and recent water damage history.
- No smoke detectors or CO alarms visible in photos — must confirm presence and functionality (required by NSPIRE).
- Electrical panel and water heater are not shown — verify condition and safety (GFCI outlets in kitchen/baths, panel labels, breaker condition).
Assumptions
- Smoke detectors and carbon monoxide alarms are present and functional though not visible in listing photos; if absent this would be an inspection failure.
- Central HVAC is present and operational because ceiling vents and a thermostat are visible.
- Water heater and electrical panel exist and are serviceable though not photographed; no signs of system failure are visible.
- No significant hidden structural issues (foundation movement, roof failure or collapsed ceilings) exist because photos show level roofline, even floors, and no interior water stains.
- Kitchen appliances (range and refrigerator) visible in photos are functioning or would be replaced prior to tenancy if required by landlord.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,360 | $117,300 | $11,730 |
| 2024 | $1,358 | $117,300 | $11,730 |
| 2023 | $804 | $64,000 | $6,400 |
| 2022 | $783 | $64,000 | $6,400 |
| 2021 | $736 | $64,000 | $6,400 |
| 2020 | $1,339 | $117,300 | $11,730 |
| 2019 | $1,356 | $117,300 | $11,730 |
| 2018 | $1,261 | $117,300 | $11,730 |
| 2017 | $1,261 | $117,300 | $11,730 |
| 2016 | $1,236 | $117,300 | $11,730 |
| 2015 | $1,257 | $117,300 | $11,730 |
| 2014 | $1,241 | $117,300 | $11,730 |
| 2013 | $1,241 | $117,300 | $11,730 |
| 2012 | $447 | $117,300 | $11,730 |
| 2011 | $430 | $116,600 | $11,660 |
| 2010 | $1,176 | $116,600 | $11,660 |
| 2009 | $1,176 | $116,600 | $11,660 |
| 2008 | $1,126 | — | $11,660 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-02 | Price Changed | $254,999 |
| 2025-12-31 | Price Changed | $279,900 |
| 2025-09-05 | Listed | $285,000 |
| 2025-07-18 | Listing removed | $0 |
| 2024-07-30 | Listed | $295,000 |
Photo Gallery
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"loan_amount": 203999.2,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/4954-Joan-Marie-Dr_Barataria_LA_70036_M79083-82637",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 254999.0,
"loan_term_years": 30,
"annual_cash_flow": 14582.0,
"mortgage_monthly": 1357.21,
"payment_standard": 1983.0,
"total_amount_out": 50999.8,
"additional_photos": [
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],
"down_payment_rate": 0.2,
"insurance_monthly": 158.5,
"monthly_cash_flow": 1215.17,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property includes a range/oven. Fuel type was not specified, so Electric was chosen as it is a common fuel source and is more expensive than the natural gas option on the schedule.",
"utility": "cooking",
"allowance": 17
},
{
"note": "Property has central heating. Electric Heat Pump was selected as it is consistent with a central air system and is the more expensive of the two most plausible options (vs. Natural Gas).",
"utility": "heating",
"allowance": 78
},
{
"note": "This is a standard fixed allowance for general electricity, including lights, outlets, and central air conditioning, which the property has.",
"utility": "other_electric",
"allowance": 67
},
{
"note": "Property has 'Public Sewer' as explicitly stated in the listing details.",
"utility": "sewer",
"allowance": 46
},
{
"note": "This is a standard municipal service assumed for a single-family detached home.",
"utility": "trash_collection",
"allowance": 25
},
{
"note": "Property has a 'Public' water source as explicitly stated in the listing details.",
"utility": "water",
"allowance": 43
},
{
"note": "Water heating is required. The fuel type was not specified, so Electric was chosen as it is a common option and more expensive than natural gas, per instructions for ambiguity.",
"utility": "water_heating",
"allowance": 51
}
],
"cash_on_cash_return": 0.29,
"down_payment_amount": 50999.8,
"property_tax_annual": 1400.8,
"property_tax_monthly": 116.73,
"property_tax_increase": 0.03,
"utility_allowance_total": 327.0,
"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": -1704.54,
"property_management_monthly": 165.6,
"monthly_cash_flow_after_debt": -142.05,
"cash_on_cash_return_after_debt": -0.03
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection after routine verification items. Interior and exterior photos show a well‑kept single family home with working appliances, intact finishes, functioning fixtures, and safe stairs/railings. Primary concerns that need confirmation before move‑in are functioning smoke and CO detectors, GFCI protection in wet areas, and verification of HVAC, water heater, and electrical panel condition. Waterfront/flood zone exposure increases risk for moisture-related issues and should be investigated.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained home: clean flooring (laminate/tile/carpet), intact cabinetry, countertops, tiled master bath and tub, functioning interior fixtures (ceiling fans, lighting), and appliances (refrigerator and range visible). Driveway and garage doors appear in good condition. No visible peeling paint, damaged drywall, or exposed subfloor. Missing-appliance risk is low (both fridge and stove visible). Minor cosmetic wear may exist but no major deferred maintenance is evident from photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No obvious life‑threatening hazards visible: stairs have handrails, windows appear operable with egress-sized openings, no visible exposed wiring, ceilings show no sagging or active water stains. However smoke and carbon monoxide detectors are not visible in the photos (commonly not photographed) and GFCI devices in kitchen/bath are not clearly shown — NSPIRE requires functioning smoke detectors on each level and outside sleeping areas and GFCI protection at kitchen/bath. The property is waterfront (flood zone noted in listing), which raises risk of moisture or prior water intrusion to investigate. Recommend verification of detectors, GFCI, and plumbing hot water at inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 80.0,
"rationale": "Visible supply vents and a thermostat suggest central HVAC is present. Roofline appears even with no visible sagging or missing shingles from photos. Kitchen and bathrooms appear functional with fixtures intact and no visible leaks. Electrical panel and water heater are not shown — typical for listing photos — so system functionality is assumed but must be verified. Overall mechanical/system risk appears moderate-to-low based on condition of visible finishes and vents."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Exterior siding, columns, front entry steps and driveway are in good visual condition. The home sits on the water; listing confirms a flood insurance premium indicating flood zone exposure. Yard and walkways look maintained and free of trip hazards in photos. Waterfront location increases long‑term risk for flood, storm damage and potential moisture infiltration — important to verify elevation, flood mitigation, and shoreline condition not shown in photos."
}
],
"red_flags": [
"Property is waterfront / in a flood zone (listing cites flood premium) — higher risk of flooding, moisture intrusion and mold; confirm elevation, flood mitigation and recent water damage history.",
"No smoke detectors or CO alarms visible in photos — must confirm presence and functionality (required by NSPIRE).",
"Electrical panel and water heater are not shown — verify condition and safety (GFCI outlets in kitchen/baths, panel labels, breaker condition)."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are present and functional though not visible in listing photos; if absent this would be an inspection failure.",
"Central HVAC is present and operational because ceiling vents and a thermostat are visible.",
"Water heater and electrical panel exist and are serviceable though not photographed; no signs of system failure are visible.",
"No significant hidden structural issues (foundation movement, roof failure or collapsed ceilings) exist because photos show level roofline, even floors, and no interior water stains.",
"Kitchen appliances (range and refrigerator) visible in photos are functioning or would be replaced prior to tenancy if required by landlord."
],
"overall_score": 80.0,
"rubric_version": "ns_pire_v1"
},
{
"summary": "This waterfront single-family home appears well-maintained with solid interior finishes, functioning kitchen appliances, intact exterior envelope, and no visible structural or life-safety failures. The likely inspection issues are procedural/verification items: presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, and verification that HVAC, hot water, and electrical panel are operational and safe. Because major hazards are not evident in the photos, the property is likely to pass an initial HUD/Section 8 (NSPIRE) inspection after verification/installation of detectors and any required GFCI or minor repairs—overall turnkey with minor corrections expected within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition and Repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show well-maintained finishes: intact siding, paved driveway, two-car garage doors, solid exterior stairs with railings, turnkey-looking kitchen with refrigerator and range, tile and laminate flooring in good condition, painted walls and intact cabinetry. No visible water stains, major drywall damage, or collapsed ceilings. Cosmetic items only are apparent (popcorn ceilings, older light fixture styles). Missing or damaged small items are not evident. Overall few repairs expected before tenancy."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards visible (no collapsed ceilings, no standing water, no exposed wiring). Bedroom windows appear to provide egress (large windows/bays). Interior stair has a handrail. However, smoke detectors and carbon-monoxide detectors are not visible in the provided interior photos; GFCI receptacles in kitchen and baths are not shown (kitchen shows standard outlets but GFCI status unknown). Entry door hardware visibility is limited so deadbolt presence is unconfirmed. Waterfront location adds potential safety/egress considerations for balconies and yard that are not shown. These unknowns reduce the score to a moderate safety risk pending verification/installation of detectors and GFCI protection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Photos show ceiling HVAC vents and ceiling fans, indicating presence of forced-air distribution. Kitchen appliances (refrigerator, range) are present and appear operable. Tile and plumbing fixtures in master bath look well-installed (tiled shower, tub, double vanity). Roof appears shingled and in fair condition from exterior photos (no visible sagging or large damage). Electrical panel, water heater, furnace/condensing unit, and drainage details are not visible in images; lack of visible mechanicals lowers confidence. Given the age (1992) and otherwise-clean interior, systems likely serviceable but require verification of operational heating/cooling, hot water, and electrical panel condition."
},
{
"key": "exterior_site",
"label": "Exterior and Site",
"score": 78.0,
"rationale": "Exterior shows intact vinyl siding, concrete driveway, step access with railings, and a well-kept lawn. The home sits on or near the water as marketed; foundation looks even from photos and no major foundation cracks or settling are evident. The house appears elevated relative to some neighboring homes and has a two-car garage. Proximity to bayou/coastal water presents elevated flood risk (listing notes a flood premium) and potential long-term maintenance concerns (decking, docks, erosion) that are not visible here, which slightly reduces the site score."
}
],
"red_flags": [
"No visible smoke or carbon monoxide detectors in interior photos — required for NSPIRE compliance if absent or improperly located.",
"No visible GFCI-protected outlets in kitchen/bath photos — potential code deficiency if not present or nonfunctional.",
"Mechanical equipment (water heater, electrical panel, HVAC equipment) not shown — inability to verify operational condition is a risk until confirmed.",
"Waterfront/flood exposure (listing notes flood premium) — increased risk for water intrusion and potential for unseen water-related damage."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be missing or not in required locations until verified.",
"GFCI protection in kitchen and bathroom outlets is not visible; assume verification or installation will be required.",
"Major mechanical equipment (water heater, HVAC condensing unit/furnace, electrical panel) is present and functional though not pictured; this assessment assumes normal serviceable condition unless inspection shows otherwise.",
"No active roof leaks, major plumbing leaks, or severe mold exist (no visual evidence in photos).",
"Exterior stair railings and balcony guardrails meet local code height/spacing; screened balcony referenced in description is present but guardrail condition not visible in photos.",
"Elevated flood risk from waterfront location may require additional tenant/owner precautions but does not by itself constitute an NSPIRE fail if property is structurally sound and safe."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE-v1-photo-assessment-2026-03"
},
{
"summary": "This waterfront single-family home appears largely turnkey and in good visible condition. Interior finishes, cabinetry, tile and flooring are in good shape, and kitchen and baths are equipped and serviceable. Primary uncertainties are non-visible mechanical and safety items (smoke/CO detectors, GFCI presence, electrical panel, water heater, HVAC functional test) and waterfront flood exposure. With a short targeted checklist (confirm detectors, verify GFCI, test HVAC/hot water/electrical panel, and confirm balcony/guardrail integrity), the home is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks. If those systems check out, it is rent-ready quickly; if any major system component fails, additional time may be required.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos show a well-maintained interior and exterior with recent-looking flooring, intact drywall, painted walls, functioning kitchen appliances present (refrigerator, range), tiled bathrooms and an intact jetted tub. Cabinets and counters are serviceable. Exterior siding and driveway appear in good repair. No obvious deferred-maintenance (peeling paint, damaged flooring, or exposed subfloors) is visible. Minor cosmetic updates or typical touch-ups may be needed (e.g., verify/correct minor scuffs, replace any missing outlet/switch covers not visible), but nothing that suggests major rehab. Missing/unknown items (water heater, electrical panel condition) reduce score slightly by conservative allowance."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 80.0,
"rationale": "No visible life-threatening hazards in photos: ceilings are intact, no sagging or visible water stains, interior stair railings are present, and windows appear operable for egress in bedrooms (bay windows evident). There is no obvious exposed wiring, visible electrical hazards, or mold staining. However, smoke and carbon monoxide detectors are not visible in the supplied photos (could be present but not shown) and GFCI outlets in kitchen/bath are not clearly identifiable from images. Being a waterfront/flood-zone property increases the importance of verifying no past water intrusion or mold. Entry door has deadbolt (not pictured) is unknown. Given the good visible condition, safety risk is low-to-moderate; a standard pre-inspection checklist (smoke/CO detectors, GFCI verification, hot water, functioning locks) is recommended to reach full compliance."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Integrity",
"score": 75.0,
"rationale": "Central HVAC appears to be present (ceiling vents and returns visible) and interior finishes are consistent with recent use, suggesting systems are functional. Kitchen appliances present. Roof shingles look intact in exterior photos (no obvious missing areas), and siding appears in good shape. However, critical system components (electrical panel, water heater, HVAC equipment, and interior plumbing under-sink connections) are not shown; because these are not confirmed, score is reduced to account for unknowns. Also waterfront location increases potential system stress (corrosion, salt-air impact) which is common in coastal Louisiana and warrants mechanical verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "The lot and yard appear tidy, driveway and garage doors intact, siding and foundation line look reasonable from photos. Front entry stairs have railings and the upper balcony is described as screened (not fully shown), and neighboring properties appear similarly maintained. Major exterior defects (large foundation cracks, collapsed walkways, standing water, vegetation overgrowth, infestation signs) are not evident. The property is waterfront, which is an exposure risk (flooding, erosion) but the listing indicates flood premium and the structure appears elevated; this is a site risk to monitor but not an immediate visible code failure."
}
],
"red_flags": [
"Waterfront/flood-zone exposure — increases risk of past or future water intrusion, mold, corrosion, and may complicate long-term habitability/insurance.",
"Critical safety/mechanical components (smoke/CO detectors, GFCI outlets, electrical panel, water heater, HVAC operational status) were not verified in photos and must be confirmed before inspection — absence/failure could cause an NSPIRE fail."
],
"confidence": 0.7,
"assumptions": [
"Smoke and carbon monoxide detectors are not visible in photos; assume they may be present but require verification. If missing, they are an easy fix.",
"Central HVAC is present and operational based on visible ceiling vents/returns; full operational test not available in photos.",
"Electrical panel, water heater, and main plumbing stacks are present and functional though not photographed; these could impact systems score if found faulty.",
"Roof appears intact from available exterior photos; assume no active leaks since there are no interior stains visible.",
"Screened balcony and exterior guardrails are assumed structurally sound as not fully shown, but should be physically verified for secure guards and rust/corrosion (coastal environment).",
"No evidence of severe mold, pest infestation, or foundation movement was visible in supplied photos; assume none present but recommend inspection due to waterfront exposure.",
"Listing flood premium ($863/year) indicates the property is in a flood zone; assume periodic flood exposure risk but not active standing water at time of photos."
],
"overall_score": 80.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4954 Joan Marie Dr, Barataria, LA, 70036",
"aggregate": {
"summary": "Overall this property appears largely turnkey and likely to pass an initial HCV/NSPIRE inspection after routine verification items. Interior and exterior photos show a well‑kept single family home with working appliances, intact finishes, functioning fixtures, and safe stairs/railings. Primary concerns that need confirmation before move‑in are functioning smoke and CO detectors, GFCI protection in wet areas, and verification of HVAC, water heater, and electrical panel condition. Waterfront/flood zone exposure increases risk for moisture-related issues and should be investigated.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a well-maintained home: clean flooring (laminate/tile/carpet), intact cabinetry, countertops, tiled master bath and tub, functioning interior fixtures (ceiling fans, lighting), and appliances (refrigerator and range visible). Driveway and garage doors appear in good condition. No visible peeling paint, damaged drywall, or exposed subfloor. Missing-appliance risk is low (both fridge and stove visible). Minor cosmetic wear may exist but no major deferred maintenance is evident from photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 77.7,
"rationale": "Exterior siding, columns, front entry steps and driveway are in good visual condition. The home sits on the water; listing confirms a flood insurance premium indicating flood zone exposure. Yard and walkways look maintained and free of trip hazards in photos. Waterfront location increases long‑term risk for flood, storm damage and potential moisture infiltration — important to verify elevation, flood mitigation, and shoreline condition not shown in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 76.0,
"rationale": "No obvious life‑threatening hazards visible: stairs have handrails, windows appear operable with egress-sized openings, no visible exposed wiring, ceilings show no sagging or active water stains. However smoke and carbon monoxide detectors are not visible in the photos (commonly not photographed) and GFCI devices in kitchen/bath are not clearly shown — NSPIRE requires functioning smoke detectors on each level and outside sleeping areas and GFCI protection at kitchen/bath. The property is waterfront (flood zone noted in listing), which raises risk of moisture or prior water intrusion to investigate. Recommend verification of detectors, GFCI, and plumbing hot water at inspection."
},
{
"key": "systems_mechanical",
"label": "Major systems condition (HVAC, electrical, plumbing, roof)",
"score": 76.7,
"rationale": "Visible supply vents and a thermostat suggest central HVAC is present. Roofline appears even with no visible sagging or missing shingles from photos. Kitchen and bathrooms appear functional with fixtures intact and no visible leaks. Electrical panel and water heater are not shown — typical for listing photos — so system functionality is assumed but must be verified. Overall mechanical/system risk appears moderate-to-low based on condition of visible finishes and vents."
}
],
"red_flags": [
"Property is waterfront / in a flood zone (listing cites flood premium) — higher risk of flooding, moisture intrusion and mold; confirm elevation, flood mitigation and recent water damage history.",
"No smoke detectors or CO alarms visible in photos — must confirm presence and functionality (required by NSPIRE).",
"Electrical panel and water heater are not shown — verify condition and safety (GFCI outlets in kitchen/baths, panel labels, breaker condition)."
],
"confidence": 0.95,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are present and functional though not visible in listing photos; if absent this would be an inspection failure.",
"Central HVAC is present and operational because ceiling vents and a thermostat are visible.",
"Water heater and electrical panel exist and are serviceable though not photographed; no signs of system failure are visible.",
"No significant hidden structural issues (foundation movement, roof failure or collapsed ceilings) exist because photos show level roofline, even floors, and no interior water stains.",
"Kitchen appliances (range and refrigerator) visible in photos are functioning or would be replaced prior to tenancy if required by landlord."
],
"score_method": "mean_of_criteria",
"overall_score": 79.5,
"rubric_version": "ns_pire_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7908382637"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.