Property ID: 8049365139

4300 Pulaski St, Tarrant, AL, 35217

Tarrant, AL

For Sale Feb 16, 2026 03:09 AM UTC Realtor Street View
Money Down: $16,776 CoC Return: 11.21% Monthly Cash Flow: $157
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$13,980
Closing Costs
$2,796
Total Down
$16,776
Primary property image

Investment Snapshot

Purchase Price
$69,900
Money Down
$16,776
Cash-on-Cash Return
11.21%
Rent
$721
Monthly Cash Flow
$157
Annual Cash Flow
$1,881
Debt Service / Mo
$372
Property Tax / Mo
$72
Insurance / Mo
$48

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$721
Payment Standard
$1,133
Rent
$721
Insurance
$48
Property Tax
$72
Management
$72
Utilities Allowance
$412
NOI (Monthly)
$529
Debt Service
$372
Cash Flow After Debt
$157

Quality Score: 61.80%

Confidence: 95.00%

Overall the property appears structurally intact from the exterior and would likely pass Section 8 inspection after modest work: kitchen renovation, verification/installation of smoke and CO detectors, GFCI outlets in kitchen/bath, and basic system checks (HVAC, water heater, electrical). The home presents moderate inspection risk due to unknown interior safety items and major systems; with targeted fixes it is likely rent-ready within ~30 days. Seller’s 'no repairs' stance and lack of interior photos increase preparation required by an investor/landlord.

Section 8 Payment Standard
$1,133
Utility Allowance Total
$412
Guaranteed Section 8 Rent (PS - Utilities)
$721
Property Management
$72

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$69,900
Beds
2
Baths
1
Living Area
1,045 sqft
Lot Size
6,970 sqft
Year Built
1951
Days on Market
41
Capital Outlay
$16,776
Debt Service
$372
Property Tax / Mo
$72
Insurance / Mo
$48

Property Description

2 bedroom, 1 bath, 4 sides brick home with hardwood floors. Rooms are a good size and lots of space to decorate. House is on a large, flat corner lot that is totally fenced. Great yard for children to play and spending time with family and friends. House needs some TLC including renovating the kitchen. No repairs by seller. Seller requests cash only.

Utility Allowances

Heating
$63
Property details specify electric heating ('Electric (HEAT)'). The allowance is from the 'Elec Heat: Tarrant' schedule for a 2-bedroom unit, matching the property's location and fuel type.
Cooling
$14
Property details specify central cooling ('Central (COOL)'), which is electric. The allowance is from the 'A/C: Tarrant' schedule for a 2-bedroom unit, matching the property's location.
Water Heating
$35
Property details specify an electric water heater ('Electric (WTRHTR)'). The allowance is from the 'Elec: Tarrant' schedule for a 2-bedroom unit, matching the property's location and fuel type.
Cooking
$13
Cooking fuel is inferred to be electric as both heating and water heating are electric. The allowance is from the 'Elec: Tarrant' schedule for a 2-bedroom unit.
Other Electric
$52
This covers general electricity for lights and outlets. The allowance is from the 'Lights, Ref, Etc.: Tarrant' schedule for a 2-bedroom unit, based on the property's location.
Water
$69
Property details list 'Public Water'. As Tarrant is served by the Birmingham Water Works Board, the 'Water: Birmingham' schedule was used for a 2-bedroom unit.
Sewer
$125
Property details state the sewer is 'Connected'. The allowance is from the fixed sewer schedule for a 2-bedroom unit.
Trash Collection
$27
The property is in Tarrant. The allowance is from the 'Tarrant City ISCL' schedule, which is a fixed rate regardless of bedroom count.
Refrigerator
$8
A refrigerator is not listed as a provided appliance, so it is assumed to be tenant-owned. The allowance is a fixed amount from the schedule.
Range & Microwave
$6
A microwave is not listed as a provided appliance, so it is assumed to be tenant-owned. The allowance is a fixed amount from the schedule.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$451
DP3 Annual Estimate$712
DP1 Monthly Equivalent$38
DP3 Monthly Equivalent$59
Replacement Value$41,100
Basis1,045 sqft / 1951

Nearby Houses

No nearby houses were returned.

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Interior condition (walls, ceilings, floors beyond hardwood mention) is generally fair and not severely damaged since listing emphasizes cosmetics/TLC rather than structural collapse.
  • Kitchen renovation note implies cabinets, counters and possibly appliances are outdated or missing; appliances (stove/fridge) are not guaranteed present.
  • Smoke detectors, CO detectors, and GFCI outlets are not visible in photos and should be assumed absent or unverified and therefore likely required before inspection pass.
  • Heating and cooling equipment, water heater, and electrical panel condition are unknown; assume typical age-related wear for a 1951 home and require inspection and possible service/replacement.
  • No visible major roof failure or foundation movement from the single front elevation photo; assume roof is serviceable but recommend inspection.
  • Bedrooms and windows egress cannot be confirmed from photos; assume at least minimal egress but recommend verification.
  • Lead-based paint risk is possible given 1951 construction; assume lead-risk remediation steps may be needed if peeling paint is found during inspection.
  • No recent rental history available; rental_history_activity excluded from scoring.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $835 $57,600 $11,520
2023 $835 $57,600 $11,520
2022 $681 $47,000 $9,400
2021 $740 $51,100 $10,220
2020 $711 $49,100 $9,820
2019 $740 $51,100 $10,220
2018 $659 $45,500 $9,100
2017 $659 $45,500 $9,100
2016 $629 $43,400 $8,680
2015 $659 $45,500 $9,100
2013 $604 $42,400 $8,480
2012 $639 $44,900 $8,980
2011 $647 $45,500 $9,100
2010 $647 $45,500 $9,100
2009 $647 $45,500 $9,100
2008 $910 $64,400 $12,880
2007 $455 $75,100 $7,510

Sale History

DateEventPrice
2026-01-06 Listed $69,900
2022-02-16 Sold $57,000
2007-04-25 Sold $32,000
1999-12-21 Sold $44,000

Photo Gallery

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        "allowance": 63
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      {
        "note": "Property details specify central cooling ('Central (COOL)'), which is electric. The allowance is from the 'A/C: Tarrant' schedule for a 2-bedroom unit, matching the property's location.",
        "utility": "Cooling",
        "allowance": 14
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      {
        "note": "Property details specify an electric water heater ('Electric (WTRHTR)'). The allowance is from the 'Elec: Tarrant' schedule for a 2-bedroom unit, matching the property's location and fuel type.",
        "utility": "Water Heating",
        "allowance": 35
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      {
        "note": "Cooking fuel is inferred to be electric as both heating and water heating are electric. The allowance is from the 'Elec: Tarrant' schedule for a 2-bedroom unit.",
        "utility": "Cooking",
        "allowance": 13
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      {
        "note": "This covers general electricity for lights and outlets. The allowance is from the 'Lights, Ref, Etc.: Tarrant' schedule for a 2-bedroom unit, based on the property's location.",
        "utility": "Other Electric",
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      {
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            "label": "Major Systems & Mechanical",
            "score": 55.0,
            "rationale": "Roof appears visually intact from the provided front photo (no visible sagging or major missing areas). There is no visible evidence of collapsed ceilings, active leaks, or exterior water pooling. However, no HVAC condenser, water heater, electrical panel, or plumbing fixtures are shown; given the home's 1951 construction and as‑is sale, major systems (HVAC, electrical, water heater) are unknown and may need service, replacement, or updates to meet current code. This places systems in a moderate risk category."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 80.0,
            "rationale": "Front elevation shows solid brick exterior, flat corner lot, fully fenced yard, intact sidewalk/walkway and porch with railing. Yard appears maintained, and there are no visible foundation cracks, standing water, or obvious pest/infestation signs in the exterior photo. Mature trees overhang the roof which could require trimming but overall exterior/site condition looks good and landlord work to clear minor issues should be straightforward."
          }
        ],
        "red_flags": [],
        "confidence": 0.55,
        "assumptions": [
          "Interior condition (walls, ceilings, floors beyond hardwood mention) is generally fair and not severely damaged since listing emphasizes cosmetics/TLC rather than structural collapse.",
          "Kitchen renovation note implies cabinets, counters and possibly appliances are outdated or missing; appliances (stove/fridge) are not guaranteed present.",
          "Smoke detectors, CO detectors, and GFCI outlets are not visible in photos and should be assumed absent or unverified and therefore likely required before inspection pass.",
          "Heating and cooling equipment, water heater, and electrical panel condition are unknown; assume typical age-related wear for a 1951 home and require inspection and possible service/replacement.",
          "No visible major roof failure or foundation movement from the single front elevation photo; assume roof is serviceable but recommend inspection.",
          "Bedrooms and windows egress cannot be confirmed from photos; assume at least minimal egress but recommend verification.",
          "Lead-based paint risk is possible given 1951 construction; assume lead-risk remediation steps may be needed if peeling paint is found during inspection.",
          "No recent rental history available; rental_history_activity excluded from scoring."
        ],
        "overall_score": 61.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Mostly sound 1951 brick ranch with a maintained exterior and yard. Primary risks are unknown interior safety items and mechanical systems: kitchen requires renovation per listing, smoke/CO detectors, GFCIs, HVAC, plumbing and electrical condition are unverified. Because the seller is selling as-is and will not make repairs, expect moderate work (cosmetic and mechanical verification/updates) before passing an initial HCV/NSPIRE inspection. Overall this property is roughly borderline rent-ready with 2–6 weeks of work likely required to address code items and mechanical verification.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 65.0,
            "rationale": "Exterior photo and listing indicate a largely intact brick ranch with maintained yard and hardwood floors noted in listing. Listing explicitly states the kitchen needs renovation and seller will make no repairs; kitchen work typically means cabinets, countertops, possible appliance replacement and cosmetic updates. No interior photos to confirm flooring damage, drywall, or mold; however seller-stated TLC indicates moderate, primarily cosmetic/finish repairs rather than catastrophic damage. Missing appliances not documented; seller-as-is likely means appliances may need replacement."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 55.0,
            "rationale": "No interior photos to confirm presence/location of smoke/CO detectors, GFCI protection, egress windows, deadbolts, or exposed wiring. Exterior shows no obvious structural sagging, collapsed ceilings, or standing water. Property built in 1951 — elevated risk for lead-based paint on interior surfaces. Chain-link fence and sidewalk appear safe; porch has railing. Because critical life-safety items (smoke/CO detectors, GFCIs, egress) are unverified and lead-risk is likely due to age, assign moderate risk score."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems (HVAC, electrical, plumbing, roof)",
            "score": 50.0,
            "rationale": "Roof appears intact from the single exterior photo with no visible sagging or major failures. No exterior HVAC condenser or heat-pump is visible in the photo and no interior system info provided — heating/cooling presence and condition are unknown. Water heater, plumbing, and electrical panel cannot be verified. House age (1951) suggests likely aged mechanicals and potential need for updates to electrical/plumbing/HVAC. Given unknowns and potential for system updates, assign a moderate score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, yard, walkways and site safety",
            "score": 80.0,
            "rationale": "Exterior shows 4-sided brick construction, level corner lot, full chain-link fence, concrete walkway and steps/accessible ramp, and maintained lawn — all positives for tenant safety and curb appeal. No visible foundation cracks, major siding failure, or collapsed walkways in the provided image. Large trees exist (possible future maintenance risk) but no immediate site hazards observed."
          }
        ],
        "red_flags": [
          "Potential lead-based paint risk (built 1951) — interior surfaces likely predate lead-paint bans",
          "Seller will make no repairs / cash-only sale — buyer/owner must remediate all inspection failures",
          "Kitchen explicitly requires renovation (may include electrical/plumbing updates)",
          "No visible exterior HVAC/condenser in photo — heating/cooling presence and condition unverified"
        ],
        "confidence": 0.5,
        "assumptions": [
          "Interior photos and system documentation not provided; assumptions based on single exterior photo and listing text.",
          "Listing statement 'house needs some TLC including renovating the kitchen' means kitchen cabinets, counters, finishes, and possibly appliances will require replacement or repair.",
          "Hardwood floors cited in listing are in serviceable condition unless otherwise noted (no interior photos to confirm damage).",
          "No visible exterior HVAC condenser in the provided photo; assume HVAC presence is unverified and may be older or absent.",
          "Smoke detectors, carbon monoxide alarms, GFCI outlets, and deadbolt locks are not visible and therefore treated as unknown (risk).",
          "Given year built (1951), assume a realistic possibility of lead-based paint on interior painted surfaces unless proven otherwise.",
          "No rental history in last 5 years (per snapshot), so rental_history_activity excluded from scoring."
        ],
        "overall_score": 61.2,
        "rubric_version": "2026-01-NSPIRE-v1"
      },
      {
        "summary": "Overall moderately ready for Section 8 with about minor-to-moderate work expected. Exterior and yard appear well maintained and the brick shell looks sound, but the listing indicates the kitchen needs renovation and the seller will not perform repairs. Major life-safety items (smoke/CO detectors, GFCI outlets, bedroom egress) and major systems (HVAC, water heater, electrical panel) are not visible in provided materials and therefore present moderate inspection risk. Expect 2–6 weeks of targeted repairs (install detectors, address kitchen/appliances, check/repair systems) to reach NSPIRE compliance if no hidden major system failures are found.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition and repair needs",
            "score": 70.0,
            "rationale": "Exterior and yard appear maintained (mowed lawn, intact chain-link fence, concrete walkway and ramp). Listing explicitly states the house \"needs some TLC including renovating the kitchen\" and seller will not perform repairs. Interior photos not provided but hardwood floors are advertised. Missing or dated kitchen fixtures/appliances are likely; these are capital/ cosmetic items that reduce turnkey readiness but are repairable. No visible major exterior deferred maintenance or severe damage in provided photo."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 55.0,
            "rationale": "No interior photos to confirm presence/location of smoke and carbon monoxide detectors, GFCI outlets, or condition of handrails/egress windows. Exterior entry looks secure but deadbolt presence is unverified. Home built in 1951 creates a likely lead-paint risk that must be addressed per HUD rules. No visible exposed wiring, collapsed ceilings, or standing water from exterior image. Because life-safety items (detectors, GFCI, egress windows) cannot be confirmed, risk of initial inspection failures is moderate."
          },
          {
            "key": "systems_mechanical",
            "label": "Major systems and mechanical condition",
            "score": 50.0,
            "rationale": "No visible exterior HVAC equipment, water heater, or electrical panel in provided photo and no interior/system notes in listing. The home is older (1951) and offered as-is; plumbing, electrical, heating and cooling systems should be assumed to possibly need servicing or updating. Roof appears intact from distance with no obvious sagging or missing large sections, but thorough inspection required. Given unknowns and age, assign moderate risk to major systems."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope and site condition",
            "score": 80.0,
            "rationale": "Four-sides brick exterior appears sound in the photo with a reasonably intact roofline and chimney. Lot is flat and large, fully fenced, with concrete walkway and ramp/handrail visible. No obvious foundation settlement, major cracks, standing water, or pest/infestation evidence in the exterior image. Mature trees are present (evaluate future roof/leaf maintenance). Overall exterior/site condition looks good and low risk for Section 8 occupancy."
          }
        ],
        "red_flags": [
          "Pre-1978 construction — potential lead-based paint hazard (built 1951) requiring HUD/NSPIRE lead-risk considerations.",
          "Seller explicitly will not perform repairs (cash-only sale) — may complicate addressing inspection failures prior to tenancy.",
          "No evidence in listing/photos of smoke or carbon monoxide detectors and GFCI protection — absence of verified life-safety devices is an inspection risk.",
          "Kitchen requires renovation per listing (may include non-functional or missing appliances, which reduces rent-readiness and could reveal plumbing/electrical issues)."
        ],
        "confidence": 0.55,
        "assumptions": [
          "Interior condition not shown; listing statement that kitchen needs renovation is accepted as accurate.",
          "No interior photos provided, so presence and placement of smoke detectors, carbon monoxide detectors, GFCI outlets, and the condition of plumbing fixtures are unknown.",
          "No exterior HVAC or water heater visible in image; assume mechanical equipment location and condition are unknown and may require service or replacement due to home age (1951).",
          "No obvious exterior structural defects visible from single front/corner photo; assume foundation and roof are generally intact unless an interior inspection indicates otherwise.",
          "Hardwood floors are present per listing; assume they are serviceable but may need cosmetic refinishing.",
          "Pre-1978 construction (1951) implies lead-based paint risk on painted interior surfaces until proven otherwise and will require HUD/NSPIRE lead-risk compliance steps.",
          "Seller's 'no repairs' / 'cash only' status implies the property will be delivered as-is and the owner will not correct inspection failures."
        ],
        "overall_score": 63.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "4300 Pulaski St, Tarrant, AL, 35217",
    "aggregate": {
      "summary": "Overall the property appears structurally intact from the exterior and would likely pass Section 8 inspection after modest work: kitchen renovation, verification/installation of smoke and CO detectors, GFCI outlets in kitchen/bath, and basic system checks (HVAC, water heater, electrical). The home presents moderate inspection risk due to unknown interior safety items and major systems; with targeted fixes it is likely rent-ready within ~30 days. Seller’s 'no repairs' stance and lack of interior photos increase preparation required by an investor/landlord.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 66.7,
          "rationale": "Exterior photo and listing indicate a largely intact, 4-sided brick ranch with maintained yard and hardwood floors; however listing explicitly states the house needs 'TLC' and a renovated kitchen and seller will make no repairs. Visible exterior shows no severe cosmetic failure but kitchen renovation implies cabinetry/appliance/finish work will be required. Missing or outdated kitchen appliances and interior cosmetic work reduce turnkey readiness but do not indicate structural failure."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site",
          "score": 80.0,
          "rationale": "Front elevation shows solid brick exterior, flat corner lot, fully fenced yard, intact sidewalk/walkway and porch with railing. Yard appears maintained, and there are no visible foundation cracks, standing water, or obvious pest/infestation signs in the exterior photo. Mature trees overhang the roof which could require trimming but overall exterior/site condition looks good and landlord work to clear minor issues should be straightforward."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance",
          "score": 53.3,
          "rationale": "No interior photos to confirm smoke/CO detectors, GFCI outlets, or bedroom egress. The home was built in 1951 so it is reasonably likely it lacks some modern safety features (GFCI in kitchen/bath, CO detector, proper smoke placement). Exterior shows secure chain-link fence and a ramp/walkway and a covered porch with railing, but entry hardware and electrical panel condition are unknown. Because these required safety elements are unverified and seller performs no repairs, there is a moderate risk of failing initial NSPIRE checks unless detectors and GFCIs are added and egress is confirmed."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems & Mechanical",
          "score": 51.7,
          "rationale": "Roof appears visually intact from the provided front photo (no visible sagging or major missing areas). There is no visible evidence of collapsed ceilings, active leaks, or exterior water pooling. However, no HVAC condenser, water heater, electrical panel, or plumbing fixtures are shown; given the home's 1951 construction and as‑is sale, major systems (HVAC, electrical, water heater) are unknown and may need service, replacement, or updates to meet current code. This places systems in a moderate risk category."
        }
      ],
      "red_flags": [],
      "confidence": 0.95,
      "assumptions": [
        "Interior condition (walls, ceilings, floors beyond hardwood mention) is generally fair and not severely damaged since listing emphasizes cosmetics/TLC rather than structural collapse.",
        "Kitchen renovation note implies cabinets, counters and possibly appliances are outdated or missing; appliances (stove/fridge) are not guaranteed present.",
        "Smoke detectors, CO detectors, and GFCI outlets are not visible in photos and should be assumed absent or unverified and therefore likely required before inspection pass.",
        "Heating and cooling equipment, water heater, and electrical panel condition are unknown; assume typical age-related wear for a 1951 home and require inspection and possible service/replacement.",
        "No visible major roof failure or foundation movement from the single front elevation photo; assume roof is serviceable but recommend inspection.",
        "Bedrooms and windows egress cannot be confirmed from photos; assume at least minimal egress but recommend verification.",
        "Lead-based paint risk is possible given 1951 construction; assume lead-risk remediation steps may be needed if peeling paint is found during inspection.",
        "No recent rental history available; rental_history_activity excluded from scoring."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 61.8,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8049365139"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.