Property ID: 7962446440
1810 Oakleaf Ln, Center Point, AL, 35215
Center Point, AL
Money Down: $31,200
CoC Return: 1.95%
Monthly Cash Flow: $51
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Investment Snapshot
Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
1.95%
Rent
$953
Monthly Cash Flow
$51
Annual Cash Flow
$610
Debt Service / Mo
$692
Property Tax / Mo
$29
Insurance / Mo
$86
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$953
Payment Standard
$1,386
Rent
$953
Insurance
$86
Property Tax
$29
Management
$95
Utilities Allowance
$433
NOI (Monthly)
$743
Debt Service
$692
Cash Flow After Debt
$51
Quality Score: 75.10%
Confidence: 94.00%
This duplex-style single-family unit appears largely turnkey for a Housing Choice Voucher inspection with mostly cosmetic repairs and standard verification tasks. The property shows intact structure, a serviceable roof, functioning HVAC condenser, and appliances present. Primary inspection risks are code compliance items not clearly shown in photos — notably GFCI protection at kitchen/baths and proof of working smoke and (where required) carbon monoxide detectors. These are relatively quick fixes; once verified/installed the unit should be able to pass an initial NSPIRE-style HCV inspection within ~2–4 weeks.
Section 8 Payment Standard
$1,386
Utility Allowance Total
$433
Guaranteed Section 8 Rent (PS - Utilities)
$953
Property Management
$95
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$130,000
Beds
2
Baths
2
Living Area
1,124 sqft
Lot Size
3,485 sqft
Year Built
1993
Days on Market
136
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$29
Insurance / Mo
$86
Property Description
Move-In Ready Opportunity! This home is the perfect fit for first-time buyers, downsizers, or investors. With a functional layout and easy upkeep, it's ready for you to make it your own. Don't miss this versatile, move-in ready property.
Utility Allowances
Cooking
$17
Selected 'Elec: Ala Power' for a 2-bedroom unit. The property listing specifies an electric oven and stove. Alabama Power was chosen as the most common and highest-cost electric provider.
Water Heating
$46
Selected 'Elec: Ala Power' for a 2-bedroom unit. The property listing explicitly states 'Water Heaters: Electric (WTRHTR)'. Alabama Power was chosen for consistency.
Heating
$76
Selected 'Elec Heat: Ala Power' for a 2-bedroom unit. The heating fuel was inferred to be electric, consistent with the property's electric stove, water heater, and fireplace. Alabama Power was chosen for consistency.
Cooling
$18
Selected 'A/C: Alabama Power' for a 2-bedroom unit. Property has 'Central (COOL)', which is electric. Alabama Power was chosen for consistency.
Other Electric
$56
Selected 'Lights, Ref, Etc.: Ala Power' for a 2-bedroom unit. This covers general electrical use. An included refrigerator is accounted for in this line item per the schedule.
Water
$69
Selected 'Water: Birmingham' for a 2-bedroom unit. The property has 'Public Water', and Birmingham is the most probable provider for Center Point. This was also the most expensive option.
Sewer
$125
Selected the fixed allowance for a 2-bedroom unit. The property listing confirms it is 'Connected' to a sewer system.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' for a 2-bedroom unit. Center Point is not explicitly listed; this option for Jefferson County was chosen as the most applicable.
Range/Microwave
$6
Selected the fixed allowance. A microwave was not listed as a provided appliance and is assumed to be tenant-owned.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$875
DP3 Annual Estimate$1,188
DP1 Monthly Equivalent$73
DP3 Monthly Equivalent$99
Replacement Value$124,100
Basis1,124 sqft / 1993
Nearby Houses
Photo unavailable
1812 Oakleaf Ln
sold · 0.01 mi
Price: $105,000
2 bd / 2 ba · 1,127 sqft
Latest sale: $105,000
Latest rent: —
Photo unavailable
1814 Oakleaf Ln
sold · 0.01 mi
Price: $135,000
2 bd / 2 ba · 1,102 sqft
Latest sale: $135,000 on Jul 28, 2022
Latest rent: —
Photo unavailable
1809 Stonehenge Dr
sold · 0.02 mi
Price: $135,000
2 bd / 2 ba · 1,124 sqft
Latest sale: $135,000 on Feb 29, 2024
Latest rent: —
Photo unavailable
1813 Stonehenge Dr
sold · 0.02 mi
Price: $125,000
2 bd / 2 ba · 1,146 sqft
Latest sale: $125,000
Latest rent: —
Photo unavailable
1803 Stonehenge Dr
sold · 0.03 mi
Price: $81,000
2 bd / 2 ba · 1,008 sqft
Latest sale: $81,000
Latest rent: —
Photo unavailable
1820 Oakleaf Ln
sold · 0.04 mi
Price: $145,000
3 bd / 3 ba · 1,686 sqft
Latest sale: $145,000 on Feb 28, 2023
Latest rent: —
Photo unavailable
1801 Stonehenge Dr
sold · 0.04 mi
Price: $91,000
2 bd / 2 ba · 1,008 sqft
Latest sale: $91,000
Latest rent: —
Photo unavailable
1821 Stonehenge Dr
sold · 0.04 mi
Price: $129,000
3 bd / 3 ba · 1,695 sqft
Latest sale: $129,000 on Mar 31, 2025
Latest rent: $995 on Jul 17, 2018
Photo unavailable
1822 Oakleaf Ln
sold · 0.04 mi
Price: $165,900
3 bd / 3 ba · 2,171 sqft
Latest sale: $165,900
Latest rent: —
Photo unavailable
1810 Stonehenge Dr
sold · 0.05 mi
Price: $80,000
2 bd / 2 ba · 960 sqft
Latest sale: $80,000
Latest rent: —
Photo unavailable
1804 Stonehenge Dr
for_sale · 0.05 mi
Price: $132,000
2 bd / 2 ba · 1,009 sqft
Latest sale: $129,900 on Jul 13, 2023
Latest rent: —
Photo unavailable
1814 Stonehenge Dr
sold · 0.05 mi
Price: $130,000
2 bd / 2 ba · 1,116 sqft
Latest sale: $130,000
Latest rent: —
Photo unavailable
1824 Oakleaf Ln
sold · 0.05 mi
Price: $95,000
2 bd / 2 ba · 1,029 sqft
Latest sale: $95,000 on Nov 10, 2021
Latest rent: —
Photo unavailable
1816 Stonehenge Dr
sold · 0.05 mi
Price: $144,900
2 bd / 2 ba · 1,168 sqft
Latest sale: $144,900
Latest rent: —
Photo unavailable
1826 Oakleaf Ln
sold · 0.06 mi
Price: $65,000
2 bd / 2 ba · 1,029 sqft
Latest sale: $65,000
Latest rent: —
Photo unavailable
1820 Stonehenge Dr
sold · 0.06 mi
Price: $110,000
2 bd / 2 ba · 1,162 sqft
Latest sale: $110,000
Latest rent: —
Photo unavailable
1801 Woodvine Ln
for_sale · 0.07 mi
Price: $152,000
3 bd / 2 ba · 1,319 sqft
Latest sale: —
Latest rent: —
Photo unavailable
1837 Woodvine Ln
sold · 0.07 mi
Price: $120,000
2 bd / 2 ba · 1,460 sqft
Latest sale: $120,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible GFCI-protected receptacle at the kitchen sink area — possible NSPIRE failure without upgrade.
- No clearly visible smoke detectors or carbon monoxide alarm in provided photos — require verification/installation before inspection.
- Electrical panel and water heater not photographed — their condition/labeling must be confirmed (potential fail if panel covers missing or unsafe wiring found).
Assumptions
- Interior photos show the entire living areas but do not include the electric panel, water heater/furnace closet, or interior of bedrooms/bathrooms; those systems are assumed present and functional unless otherwise noted.
- No active roof leaks or interior water damage exist beyond what is visible in photos (ceilings and walls in photos look dry and intact).
- Appliances shown (electric range, dishwasher, refrigerator) are included and operational though older; missing small items (outlet/GFCI, CO/smoke alarms) will need verification/installation.
- No known recent rental history (rental_history_last_5y missing) — scoring excludes rental history bonus.
- No gas-fired appliances visible in photos (stove is electric); if gas appliances are present, carbon monoxide detector requirements will be stricter.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $338 | $145,900 | $14,600 |
| 2023 | $298 | $63,700 | $6,380 |
| 2022 | $264 | $58,000 | $5,800 |
| 2021 | $240 | $53,100 | $5,320 |
| 2020 | $224 | $50,300 | $5,040 |
| 2019 | $224 | $50,300 | $5,040 |
| 2018 | $234 | $52,100 | $5,220 |
| 2017 | $234 | $52,100 | $5,220 |
| 2016 | $180 | $46,600 | $4,660 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-18 | Price Changed | $130,000 |
| 2025-10-03 | Listed | $135,000 |
| 2024-02-05 | Sold | $123,500 |
| 2023-11-10 | Listed | $130,000 |
| 2016-05-31 | Sold | $65,750 |
| 2016-03-02 | Listed | $69,900 |
| 2014-11-14 | Sold | $54,900 |
| 2014-09-15 | Listed | $54,900 |
| 1993-10-12 | Sold | $70,752 |
Photo Gallery
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"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21433087",
"price_change_percentage": null
},
{
"date": "2025-10-03",
"price": 135000,
"listing": {
"status": "for_sale",
"list_date": "2025-10-03T11:57:49Z",
"list_price": 130000,
"listing_id": "2987005741",
"last_update_date": "2026-02-16T01:33:17Z",
"last_status_change_date": "2025-12-19T22:30:36Z"
},
"event_name": "Listed",
"price_sqft": 120.1067615658363,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21433087",
"price_change_percentage": "+9.31%"
},
{
"date": "2024-02-05",
"price": 123500,
"listing": {
"status": "sold",
"list_date": "2023-11-10T03:33:29Z",
"list_price": 130000,
"listing_id": "2961515179",
"last_update_date": "2024-02-06T17:01:05Z",
"last_status_change_date": "2024-02-06T17:20:25Z"
},
"event_name": "Sold",
"price_sqft": 109.87544483985765,
"source_name": "GreaterAlabamaMLS",
"price_change": -6500,
"days_after_listed": "87 days",
"source_listing_id": "21370436",
"price_change_percentage": "-5.00%"
},
{
"date": "2023-11-10",
"price": 130000,
"listing": {
"status": "sold",
"list_date": "2023-11-10T03:33:29Z",
"list_price": 130000,
"listing_id": "2961515179",
"last_update_date": "2024-02-06T17:01:05Z",
"last_status_change_date": "2024-02-06T17:20:25Z"
},
"event_name": "Listed",
"price_sqft": 115.65836298932385,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21370436",
"price_change_percentage": "+97.72%"
},
{
"date": "2016-05-31",
"price": 65750,
"listing": {
"status": "sold",
"list_date": "2016-03-02T07:00:00Z",
"list_price": 69900,
"listing_id": "606969363",
"last_update_date": "2016-06-01T16:08:00Z",
"last_status_change_date": "2016-05-31T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "90 days",
"source_listing_id": "742933",
"price_change_percentage": "-5.94%"
},
{
"date": "2016-03-02",
"price": 69900,
"listing": {
"status": "sold",
"list_date": "2016-03-02T07:00:00Z",
"list_price": 69900,
"listing_id": "606969363",
"last_update_date": "2016-06-01T16:08:00Z",
"last_status_change_date": "2016-05-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "742933",
"price_change_percentage": "+27.32%"
},
{
"date": "2014-11-14",
"price": 54900,
"listing": {
"status": "sold",
"list_date": "2014-09-15T07:00:00Z",
"list_price": 54900,
"listing_id": "587480039",
"last_update_date": "2014-11-19T00:36:02Z",
"last_status_change_date": "2014-11-14T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "60 days",
"source_listing_id": "609559",
"price_change_percentage": "$0"
},
{
"date": "2014-09-15",
"price": 54900,
"listing": {
"status": "sold",
"list_date": "2014-09-15T07:00:00Z",
"list_price": 54900,
"listing_id": "587480039",
"last_update_date": "2014-11-19T00:36:02Z",
"last_status_change_date": "2014-11-14T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "609559",
"price_change_percentage": "-22.41%"
},
{
"date": "1993-10-12",
"price": 70752,
"listing": null,
"event_name": "Sold",
"price_sqft": 62.94661921708185,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "7962446440",
"generated_at": "2026-02-16T03:01:50.105005Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 75.1
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m3438595834s-w1280.jpg",
"rent_price": 953.0,
"loan_amount": 104000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/1810-Oakleaf-Ln_Center-Point_AL_35215_M79624-46440",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 130000.0,
"loan_term_years": 30,
"annual_cash_flow": 8912.76,
"mortgage_monthly": 691.91,
"payment_standard": 1386.0,
"total_amount_out": 26000.0,
"additional_photos": [
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m1434506145s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m921327719s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m4135050798s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m1075805531s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m3353096263s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m1303764434s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m2810298468s-w1280.jpg",
"https://ap.rdcpix.com/0a0c41cd88874f3d722a11ef56b5d6d1l-m1396576424s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 85.96,
"monthly_cash_flow": 742.73,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec: Ala Power' for a 2-bedroom unit. The property listing specifies an electric oven and stove. Alabama Power was chosen as the most common and highest-cost electric provider.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Selected 'Elec: Ala Power' for a 2-bedroom unit. The property listing explicitly states 'Water Heaters: Electric (WTRHTR)'. Alabama Power was chosen for consistency.",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "Selected 'Elec Heat: Ala Power' for a 2-bedroom unit. The heating fuel was inferred to be electric, consistent with the property's electric stove, water heater, and fireplace. Alabama Power was chosen for consistency.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Selected 'A/C: Alabama Power' for a 2-bedroom unit. Property has 'Central (COOL)', which is electric. Alabama Power was chosen for consistency.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 2-bedroom unit. This covers general electrical use. An included refrigerator is accounted for in this line item per the schedule.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Selected 'Water: Birmingham' for a 2-bedroom unit. The property has 'Public Water', and Birmingham is the most probable provider for Center Point. This was also the most expensive option.",
"utility": "Water",
"allowance": 69
},
{
"note": "Selected the fixed allowance for a 2-bedroom unit. The property listing confirms it is 'Connected' to a sewer system.",
"utility": "Sewer",
"allowance": 125
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 2-bedroom unit. Center Point is not explicitly listed; this option for Jefferson County was chosen as the most applicable.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Selected the fixed allowance. A microwave was not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.34,
"down_payment_amount": 26000.0,
"property_tax_annual": 348.14,
"property_tax_monthly": 29.01,
"property_tax_increase": 0.03,
"utility_allowance_total": 433.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 609.78,
"property_management_monthly": 95.3,
"monthly_cash_flow_after_debt": 50.82,
"cash_on_cash_return_after_debt": 0.02
},
"section8_assessment": {
"runs": [
{
"summary": "This duplex-style single-family unit appears largely turnkey for a Housing Choice Voucher inspection with mostly cosmetic repairs and standard verification tasks. The property shows intact structure, a serviceable roof, functioning HVAC condenser, and appliances present. Primary inspection risks are code compliance items not clearly shown in photos — notably GFCI protection at kitchen/baths and proof of working smoke and (where required) carbon monoxide detectors. These are relatively quick fixes; once verified/installed the unit should be able to pass an initial NSPIRE-style HCV inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show generally well-maintained finishes: fresh-looking paint, intact drywall, carpet installed (some soiling near entry), cabinets in good shape, countertops intact. Appliances (stove, dishwasher, refrigerator) are present though older in style; missing/frayed outlet covers not observed. Exterior fence shows weathering and staining; driveway has surface staining. No visible collapsed or severely damaged finishes. Overall items are cosmetic/low-capital and appear easy to fix."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible (no sagging ceilings, no standing water, no exposed high-voltage wiring). Entry door has secure lock hardware. However, I could not clearly identify properly located smoke detectors or a carbon monoxide alarm in the photos; a ceiling/bedroom egress appears adequate. Kitchen countertop outlets near the sink do not show a GFCI test/reset — likely older non‑GFCI receptacles which is a common NSPIRE fail point. Recommend installing/addressing smoke detectors, CO alarm (if required by local code or if gas appliances present), and GFCI protection at kitchen and bathrooms prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Exterior condenser unit is present and looks serviceable; roof shingles appear uniformly installed with no visible missing shingles or active leaks in photos. Kitchen plumbing appears intact (sink and dishwasher present). Electrical panel and water heater are not shown; no visible exposed wiring or obvious plumbing failure in images. Because several system components (panel, water heater, furnace interior) are not photographed, I assume typical functioning but flag as items to verify. Overall systems show reasonable condition from visible cues."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Yard and driveway are orderly; siding and brickwork appear intact; gutters are present and routed. The private fenced yard shows normal wear and weathering; gate hardware appears functional though wood is weather-stained. No evidence of major settlement, foundation cracks, or drainage ponding visible in photos. The home abuts a wooded area — inspect for potential debris buildup at gutters and pest access."
}
],
"red_flags": [
"No visible GFCI-protected receptacle at the kitchen sink area — possible NSPIRE failure without upgrade.",
"No clearly visible smoke detectors or carbon monoxide alarm in provided photos — require verification/installation before inspection.",
"Electrical panel and water heater not photographed — their condition/labeling must be confirmed (potential fail if panel covers missing or unsafe wiring found)."
],
"confidence": 0.7,
"assumptions": [
"Interior photos show the entire living areas but do not include the electric panel, water heater/furnace closet, or interior of bedrooms/bathrooms; those systems are assumed present and functional unless otherwise noted.",
"No active roof leaks or interior water damage exist beyond what is visible in photos (ceilings and walls in photos look dry and intact).",
"Appliances shown (electric range, dishwasher, refrigerator) are included and operational though older; missing small items (outlet/GFCI, CO/smoke alarms) will need verification/installation.",
"No known recent rental history (rental_history_last_5y missing) — scoring excludes rental history bonus.",
"No gas-fired appliances visible in photos (stove is electric); if gas appliances are present, carbon monoxide detector requirements will be stricter."
],
"overall_score": 77.0,
"rubric_version": "nsPIRE-2026-v1"
},
{
"summary": "This 2-bed, 2-bath single-family unit appears largely move-in ready with tidy interiors, intact finishes, functioning appliances, and an operable exterior HVAC unit. The property shows only minor cosmetic and capital needs (carpet cleaning, fence repair, possible appliance updates). Primary Section 8/NSPIRE risks that require verification before inspection are presence and placement of smoke/CO alarms, GFCI protection at wet locations, and operability/age of the water heater and electrical panel. With verification or minor fixes (install GFCI if missing, confirm/replace detectors), the unit is likely to pass an initial HCV inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show recently painted walls, intact drywall and trim, and relatively new/clean carpeting with only light soiling near entry — mostly cosmetic. Kitchen cabinets and counters are intact; appliances (electric range, refrigerator, dishwasher) are older but present. Garage door and driveway show age/staining but no structural failure. Fence and some exterior trim show weathering and will need minor repair/maintenance. Overall only minor cosmetic and capital items required (carpet cleaning/replacement optional, touch-up paint, fence repair, possible replacement of oldest appliances)."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 68.0,
"rationale": "No obvious life‑threatening hazards visible: no exposed wiring, no collapsed ceilings, no standing water, and interior finishes appear intact. Exterior entry has a storm/lockable door and likely deadbolt. A round smoke/CO style device is visible in a hallway photo (near kitchen/entry), but carbon monoxide alarm(s) and proper placement of smoke detectors in all sleeping areas are not clearly shown. GFCI protection at kitchen sink outlets is not visible (older yellow outlet covers present) — lack of visible GFCI receptacles is a potential NSPIRE failure unless GFCI protection exists at the panel. Bedroom egress windows are not shown; typical 1993 construction usually provides egress but not confirmed. Because smoke/CO/GFCI/egress can be inspection-fail items if absent, score reflects moderate risk pending verification."
},
{
"key": "systems_mechanical",
"label": "Mechanical & Major Systems",
"score": 70.0,
"rationale": "Exterior photo shows an intact central air condenser unit in place, and roof appears intact with no visible active leaks or damaged flashing. Plumbing fixtures (kitchen sink) appear functional; electric range is present. Water heater, hot water availability, and electrical panel condition are not photographed; no visible evidence of leaks or corrosion. Roof shingles show expected aging but no obvious failure. Given visible HVAC and no active signs of system failure, rating is good but reduced for missing confirmation of water heater, electrical panel, and age of mechanicals."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Brick front and vinyl siding appear sound. Gutters and downspout extensions are present and functioning (a flexible extension is visible), lot grading appears to drain away from the structure, and there is no visible standing water. Privacy fence and gate are weathered and show rust/rot at the bottom and will need repair or replacement. Driveway has stains but is level. Overall the exterior/site is well maintained with minor marginal repairs needed."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detector(s) present (one round device visible in hallway photo) and functional; placement in all sleeping areas not shown.",
"Carbon monoxide detectors are not visible; assume none are shown and may need installation if fuel-burning appliances are present.",
"GFCI receptacle presence at kitchen sink/bathrooms is not visible; assume protection may be missing and should be verified/installed.",
"Bedrooms and windows meet egress requirements given 1993 construction, but bedroom photos/measurements were not provided.",
"Water heater and electrical panel exist and are operational but were not photographed; no visible signs of active leaks or electrical hazards observed.",
"HVAC appears present and serviceable (outdoor condenser visible) but full operational status/age not verified.",
"No active roof leaks, significant mold, structural sagging, or foundation movement are present based on photos — visible conditions do not show these major defects."
],
"overall_score": 74.0,
"rubric_version": "nspr-2026-01"
},
{
"summary": "This 2-bed unit appears largely turnkey for Section 8 tenancy with minor, addressable items. The unit shows sound exterior envelope and roof, functioning central HVAC (outdoor condenser present), and standard kitchen appliances. Primary inspection risks visible in photos are absence of a clearly identified GFCI-protected kitchen outlet near the sink and no visible carbon monoxide alarm (if required). Cosmetic items (carpet cleaning/replacement, fence gate repair, trim paint) are the main work needed. With rapid confirmation/fixes of GFCI protection, CO alarm (if required), and a quick carpet cleaning and fence repair, the property is likely to pass an initial NSPIRE/HQS inspection and be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained, move-in condition duplex unit with recent paint, intact cabinetry, working appliances present (range, refrigerator, dishwasher) and an intact roof. Observable deferred items are cosmetic: carpet shows spots/staining and likely needs cleaning or replacement in places; fence gate shows weathering/rot at bottom and will need repair; driveway has staining but no structural cracking; minor trim/soffit paint wear at eaves. Missing appliances are not an issue here (appliances present). Overall repairs are mostly cosmetic or small capital items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "A ceiling-mounted smoke detector is visible in the living area/hall approach (good). Entry door appears secure and has a secondary storm/door; deadbolt presence is probable but not fully confirmed in photos. No exposed wiring, visible trip hazards, active roof leaks, or collapsed ceilings are observed. Potential inspection issues: no clearly visible GFCI-protected outlet at the kitchen sink counter (countertop outlets shown appear to be standard receptacles) — missing GFCI near sink is a common fail in inspections. Carbon monoxide alarm is not visible in photos (may be required if fuel-burning appliances or attached garage). Egress windows look like standard double-hung bedrooms/windows (not directly photographed for measurement). Because smoke detector exists and no immediate life-threatening hazards are visible, risk is moderate but a GFCI installation and CO alarm (if required) are likely needed to pass."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof) condition",
"score": 70.0,
"rationale": "Exterior shows an outdoor HVAC condenser in place and roof shingles appear intact and uniform from drone and side photos (no missing large sections). Interior HVAC supply/return grilles and a thermostat are visible, indicating central HVAC. Appliances (electric range, dishwasher, refrigerator) are present; water heater and electrical panel are not photographed. No visible plumbing leaks, mold, or water stains on ceilings/walls. Because key systems (water heater, electrical panel, furnace components, plumbing under sinks) are not photographed, the score is conservative — systems appear present and in working order but require verification (hot water, panel condition, GFCI, HVAC operation)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Siding, brick front elevation, gutters and fascia appear intact. Driveway and walkway are serviceable with only surface staining. Fenced backyard provides privacy; fence/gates show weathering and some bottom rot/rust staining that should be repaired to maintain security and prevent pest entry. Yard and surrounding lots appear graded reasonably; drainage downspout extensions are present. No visible standing water, foundation cracks, or obvious exterior structural issues from provided photos."
}
],
"red_flags": [
"No clearly visible GFCI-protected receptacle at the kitchen sink/counter — likely citation/fail on inspection.",
"No visible carbon monoxide alarm in provided photos (may be required depending on heating/fuel appliances and local code).",
"Fence gate shows bottom rot/weathering and may need repair to provide secure, code-compliant exterior egress/entry and to avoid pest access."
],
"confidence": 0.75,
"assumptions": [
"Smoke detector shown in photos is functional and hardwired or battery-powered with a working battery.",
"No major unseen plumbing leaks, roof leaks, or hidden mold exist beyond what is visible in photos.",
"Water heater and electrical panel are present and functional though not photographed.",
"HVAC is operable based on presence of external condenser and visible supply/return vents.",
"Entry door has at least a functioning lock; deadbolt is probable but not clearly visible.",
"Bedroom egress windows meet size/operability requirements (standard double-hung windows visible but not measured).",
"Appliances pictured (range, refrigerator, dishwasher) are in working condition; range is electric.",
"No documented recent rental history is available; rental_history_last_5y is missing per snapshot."
],
"overall_score": 75.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1810 Oakleaf Ln, Center Point, AL, 35215",
"aggregate": {
"summary": "This duplex-style single-family unit appears largely turnkey for a Housing Choice Voucher inspection with mostly cosmetic repairs and standard verification tasks. The property shows intact structure, a serviceable roof, functioning HVAC condenser, and appliances present. Primary inspection risks are code compliance items not clearly shown in photos — notably GFCI protection at kitchen/baths and proof of working smoke and (where required) carbon monoxide detectors. These are relatively quick fixes; once verified/installed the unit should be able to pass an initial NSPIRE-style HCV inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Interior and exterior photos show generally well-maintained finishes: fresh-looking paint, intact drywall, carpet installed (some soiling near entry), cabinets in good shape, countertops intact. Appliances (stove, dishwasher, refrigerator) are present though older in style; missing/frayed outlet covers not observed. Exterior fence shows weathering and staining; driveway has surface staining. No visible collapsed or severely damaged finishes. Overall items are cosmetic/low-capital and appear easy to fix."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.7,
"rationale": "Yard and driveway are orderly; siding and brickwork appear intact; gutters are present and routed. The private fenced yard shows normal wear and weathering; gate hardware appears functional though wood is weather-stained. No evidence of major settlement, foundation cracks, or drainage ponding visible in photos. The home abuts a wooded area — inspect for potential debris buildup at gutters and pest access."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 69.3,
"rationale": "No obvious life‑threatening hazards visible (no sagging ceilings, no standing water, no exposed high-voltage wiring). Entry door has secure lock hardware. However, I could not clearly identify properly located smoke detectors or a carbon monoxide alarm in the photos; a ceiling/bedroom egress appears adequate. Kitchen countertop outlets near the sink do not show a GFCI test/reset — likely older non‑GFCI receptacles which is a common NSPIRE fail point. Recommend installing/addressing smoke detectors, CO alarm (if required by local code or if gas appliances present), and GFCI protection at kitchen and bathrooms prior to inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 71.7,
"rationale": "Exterior condenser unit is present and looks serviceable; roof shingles appear uniformly installed with no visible missing shingles or active leaks in photos. Kitchen plumbing appears intact (sink and dishwasher present). Electrical panel and water heater are not shown; no visible exposed wiring or obvious plumbing failure in images. Because several system components (panel, water heater, furnace interior) are not photographed, I assume typical functioning but flag as items to verify. Overall systems show reasonable condition from visible cues."
}
],
"red_flags": [
"No visible GFCI-protected receptacle at the kitchen sink area — possible NSPIRE failure without upgrade.",
"No clearly visible smoke detectors or carbon monoxide alarm in provided photos — require verification/installation before inspection.",
"Electrical panel and water heater not photographed — their condition/labeling must be confirmed (potential fail if panel covers missing or unsafe wiring found)."
],
"confidence": 0.94,
"assumptions": [
"Interior photos show the entire living areas but do not include the electric panel, water heater/furnace closet, or interior of bedrooms/bathrooms; those systems are assumed present and functional unless otherwise noted.",
"No active roof leaks or interior water damage exist beyond what is visible in photos (ceilings and walls in photos look dry and intact).",
"Appliances shown (electric range, dishwasher, refrigerator) are included and operational though older; missing small items (outlet/GFCI, CO/smoke alarms) will need verification/installation.",
"No known recent rental history (rental_history_last_5y missing) — scoring excludes rental history bonus.",
"No gas-fired appliances visible in photos (stove is electric); if gas appliances are present, carbon monoxide detector requirements will be stricter."
],
"score_method": "mean_of_criteria",
"overall_score": 75.1,
"rubric_version": "nsPIRE-2026-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "7962446440"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.