Property ID: 8051483856
5120 Elizabeth St, Lafitte, LA, 70067
Lafitte, LA
Money Down: $60,000
CoC Return: 1.91%
Monthly Cash Flow: $95
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$50,000
Closing Costs
$10,000
Total Down
$60,000
Investment Snapshot
Purchase Price
$250,000
Money Down
$60,000
Cash-on-Cash Return
1.91%
Rent
$1,696
Monthly Cash Flow
$95
Annual Cash Flow
$1,145
Debt Service / Mo
$1,331
Property Tax / Mo
$47
Insurance / Mo
$53
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,696
Payment Standard
$1,983
Rent
$1,696
Insurance
$53
Property Tax
$47
Management
$170
Utilities Allowance
$287
NOI (Monthly)
$1,426
Debt Service
$1,331
Cash Flow After Debt
$95
Quality Score: 75.70%
Confidence: 92.00%
Overall this elevated single-family home appears largely rent-ready with good interior condition, working appliances, secure entry, and intact exterior envelope. Primary inspection risks are items not visible in listing photos: verification of functioning smoke/CO detectors, GFCI protection in kitchen/bath, water heater/hot water, electrical panel condition, and HVAC operational testing. Site concrete cracking/driveway and some exterior wood weathering are the main observable repair items. Likely outcome: passable with minor repairs/verification within 1–4 weeks if unseen systems test OK.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$287
Guaranteed Section 8 Rent (PS - Utilities)
$1,696
Property Management
$170
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$250,000
Beds
3
Baths
2
Living Area
1,839 sqft
Lot Size
9,932 sqft
Year Built
1964
Days on Market
184
Capital Outlay
$60,000
Debt Service
$1,331
Property Tax / Mo
$47
Insurance / Mo
$53
Property Description
Welcome to 5120 Elizabeth Street, a charming single-family home nestled in the heart of Lafitte, Louisiana. This spacious residence offers approximately 1,839 square feet of living space with three bedrooms and two full bathrooms, providing comfort and functionality for families or anyone seeking room to grow. Inside, natural light fills the home, highlighting a well-balanced layout that blends open living areas with cozy private spaces. The location in scenic Lafitte offers a peaceful, small-town feel while remaining just a short drive from New Orleans. Known for its rich fishing culture and waterfront charm, Lafitte provides a lifestyle that's both relaxed and connected to nature. With nearby access to schools, local shops, and community amenities, 5120 Elizabeth Street combines comfort, space, and Louisiana character. It's a perfect place to call home. Contact: NICK SANCHEZ (Listing Agent) (504) 400-6423 (Mobile Phone) SIDNEY KERNER (Co-Listing Agent) (504) 339-1969 (Mobile Phone)
Utility Allowances
heating
$70
Selected 'natural_gas' based on property details explicitly mentioning 'Gas: Natural' and central heating.
cooking
$12
Selected 'natural_gas' based on property details explicitly mentioning 'Gas: Natural' and a provided cooktop.
water_heating
$24
Selected 'natural_gas' as it is the most common and cost-effective fuel source for water heating when 'Gas: Natural' is available at the property.
other_electric
$67
Standard allowance for general electricity use (lights, outlets, central air) based on the number of bedrooms.
water
$43
Selected based on property details indicating 'Water Source: Public'.
sewer
$46
Selected based on property details indicating 'Sewer: City' and 'Public Sewer'.
trash_collection
$25
Standard allowance for municipal trash collection for a single-family home.
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$627
DP3 Annual Estimate$655
DP1 Monthly Equivalent$52
DP3 Monthly Equivalent$55
Replacement Value$17,500
Basis1,839 sqft / 1964
Nearby Houses
Photo unavailable
2751 Jean Lafitte Blvd
off_market · 0.08 mi
Price: $349,000
6 bd / 3 ba · 3,309 sqft
Latest sale: — on Dec 03, 2013
Latest rent: —
Photo unavailable
4961 John St
for_sale · 0.21 mi
Price: $259,000
2 bd / 2 ba · 1,373 sqft
Latest sale: — on Nov 30, 2020
Latest rent: —
Photo unavailable
4970 Evelyn Dr Lot 10
for_sale · 0.21 mi
Price: $25,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
2731 Privateer Blvd
for_sale · 0.26 mi
Price: $320,000
3 bd / 2 ba · 1,743 sqft
Latest sale: — on Jul 27, 2023
Latest rent: —
Photo unavailable
5308 Church St
for_sale · 0.32 mi
Price: $195,000
1 bd / 1 ba · 1,002 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Smoke detectors and carbon monoxide alarms are present and would be installed/functional if not already (not visible in photos).
- Central HVAC exists and is operational (ceiling vents visible) though outdoor condensing unit and service history are not shown.
- Water heater and hot water supply are present and functioning though not visible in photos.
- Electrical panel is intact and there are no exposed live wires; GFCI protection in kitchen/bath may be absent or unverified and could require installation.
- No active roof leaks or interior water stains exist beyond what’s visible in the photos.
- Elevated/stilt foundation is structurally sound and appropriate for local flood risk; no significant unseen foundation movement.
- Appliances shown in photos (range, refrigerator, dishwasher, microwave) remain with the property and are operable.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $547 | $47,200 | $4,720 |
| 2024 | $546 | $47,200 | $4,720 |
| 2023 | $343 | $27,300 | $2,730 |
| 2022 | $334 | $27,300 | $2,730 |
| 2021 | $314 | $27,300 | $2,730 |
| 2020 | $471 | $41,300 | $4,130 |
| 2019 | $477 | $41,300 | $4,130 |
| 2018 | $444 | $41,300 | $4,130 |
| 2017 | $444 | $41,300 | $4,130 |
| 2016 | $435 | $41,300 | $4,130 |
| 2015 | $442 | $41,300 | $4,130 |
| 2014 | $437 | $41,300 | $4,130 |
| 2013 | $437 | $41,300 | $4,130 |
| 2010 | $414 | $41,100 | $4,110 |
| 2009 | $414 | $41,100 | $4,110 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-10-06 | Listed | $250,000 |
| 2014-01-03 | Listing removed | $150,000 |
| 2013-07-03 | Listed | $150,000 |
| 2013-05-06 | Listing removed | $74,000 |
| 2012-09-28 | Price Changed | $74,000 |
| 2012-07-09 | Relisted | $155,000 |
| 2012-07-07 | Listing removed | $155,000 |
| 2012-05-17 | Listing removed | $160,000 |
| 2012-05-15 | Price Changed | $155,000 |
| 2012-05-12 | Listed | $15,500 |
| 2012-01-01 | Price Changed | $160,000 |
| 2011-11-10 | Listed | $180,000 |
| 2011-04-18 | Listing removed | $180,000 |
| 2010-10-16 | Listed | $180,000 |
Photo Gallery
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{
"summary": "Overall this elevated single-family home appears largely rent-ready with good interior condition, working appliances, secure entry, and intact exterior envelope. Primary inspection risks are items not visible in listing photos: verification of functioning smoke/CO detectors, GFCI protection in kitchen/bath, water heater/hot water, electrical panel condition, and HVAC operational testing. Site concrete cracking/driveway and some exterior wood weathering are the main observable repair items. Likely outcome: passable with minor repairs/verification within 1–4 weeks if unseen systems test OK.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained home: updated kitchen cabinets, working appliances (refrigerator, range, microwave, dishwasher visible), tile floors, painted walls, and intact interior finishes. Exterior brick, elevated foundation, and wood railings appear in good cosmetic condition. Observable deferred items are limited to driveway concrete cracking and minor weathering of exterior wooden railings/stairs that likely need repainting/sealing. No visible collapsed surfaces, exposed subfloor, or severe interior deterioration. Missing or damaged small fixtures not observed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 85.0,
"rationale": "Photos show secure entry door with a deadbolt, intact stair handrails/guardrails on exterior stairs, bedrooms with large windows that appear to provide egress, and no visible exposed wiring or broken outlets. No obvious mold, ceiling collapse, or standing water seen. Potential code items not confirmed in photos: presence/placement/function of smoke detectors and CO alarms, existence of GFCI protection at kitchen/bath, and verification of hot water and working plumbing. Gas connection details for range/ fireplace not visible but no signs of venting problems. Based on visible condition, there is moderate compliance risk mostly due to non-visible detector/GFCI checks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "No visual indicators of failing major systems. Roof appears intact from photos with no visible sagging or large missing areas; gutters/downspouts are present. Interior shows ceiling HVAC supply vents indicating central HVAC likely present. Appliances and kitchen plumbing appear functional. Water heater, electrical panel, and outdoor A/C unit are not shown and could alter this score. Concrete parking/drive area shows cracking which is a site drainage/impervious surface concern but not a mechanical failure. Score reduced for uncertainty around unseen systems (water heater, electrical panel condition, HVAC age)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Elevated (stilt) construction appears appropriate for local flood risk. Yard is maintained and free of debris; walkways and concrete parking show notable cracking and spalling which are trip and drainage concerns. Vegetation near elevated supports exists but no clear evidence of infestation or foundation undermining. Driveway deterioration could present an HQS minor citation and will need concrete repair. Garage/storage doors under house appear intact. Overall exterior is functional but requires moderate repair attention to concrete and minor landscaping to reduce inspection notes."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are present and would be installed/functional if not already (not visible in photos).",
"Central HVAC exists and is operational (ceiling vents visible) though outdoor condensing unit and service history are not shown.",
"Water heater and hot water supply are present and functioning though not visible in photos.",
"Electrical panel is intact and there are no exposed live wires; GFCI protection in kitchen/bath may be absent or unverified and could require installation.",
"No active roof leaks or interior water stains exist beyond what’s visible in the photos.",
"Elevated/stilt foundation is structurally sound and appropriate for local flood risk; no significant unseen foundation movement.",
"Appliances shown in photos (range, refrigerator, dishwasher, microwave) remain with the property and are operable."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "Overall the property appears in good, mostly move-in condition with well-maintained interior finishes, functioning appliances, intact roof and elevated structural supports, and safe-looking stairs/guardrails. The primary inspection risks are administrative/code items not visible in listing photos (smoke and carbon monoxide detectors, GFCI outlets, electrical panel condition, water heater/ HVAC documentation). With verification/installation of required detectors, checking the electrical panel and addressing driveway cracking and minor exterior paint/rail maintenance, the home should be Section 8 / HCV-inspection ready within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 80.0,
"rationale": "Interior and exterior photos show a well-maintained home: intact tile and wood-look flooring, updated cabinetry, working appliances (range, refrigerator, dishwasher, microwave visible), painted walls, and no visible interior water stains or ceiling damage. Exterior brick siding and elevated support posts appear intact. Cosmetic issues observed: cracked concrete driveway, some weathering/paint wear on exterior stairs and railings, and minor landscaping/weed control. Missing or nonfunctional small items (outlet covers, minor trim) are not visible. Overall few deferred maintenance items; missing small fixes would be simple to address."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "Photos show solid-looking stairways and guardrails, secure front entry with a deadbolt, no visible active roof leaks or collapsed ceilings, and no obvious mold or peeling lead-risk paint. Overhead utility service is visible but not shown as damaged. Key NSPIRE items are not visible in photos: smoke detectors and carbon monoxide alarms are not shown (could be absent), GFCI outlets in kitchen/baths are not visible, and the electrical panel/grounding are not shown. Bedroom windows appear to be normal-size and likely provide egress, but exact measurements are unknown. Because several required safety components (detectors/GFCI/electrical panel) cannot be confirmed from photos, there is moderate inspection risk until those items are verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 75.0,
"rationale": "Interior photos show ceiling vents consistent with central HVAC and finishes consistent with a functioning system; no visible rusted water heater, plumbing leaks, or damaged pipes are shown. Roof appears intact from photos (no sagging or missing large sections), and gutters/downspouts are in place. Electrical panel and water heater are not shown so their condition is unknown. Appliances are present and appear functional. Given the visual evidence of functioning HVAC vents and absence of water stains or obvious system failures, major systems appear operational but require verification (HVAC service history, water heater age, panel condition)."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 75.0,
"rationale": "Elevated single-family home on piers/pilings (typical for coastal/Louisiana) looks structurally supported with no visible sagging. Brick exterior and screened porch appear intact. Driveway concrete shows cracking and surface deterioration that may be a trip hazard but not structural failure. Yard and walkways are generally clear; downspouts are installed directing water away but site grading/drainage cannot be fully confirmed. No visible standing water or obvious pest infestation in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in the photos (common automatic fail on inspection if absent).",
"Electrical system components (panel, labels, visible GFCI outlets) not shown — potential inspection issue until confirmed.",
"Significant cracking and deterioration of concrete driveway/pad (trip hazard) visible and should be repaired."
],
"confidence": 0.7,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are not visible in the photos; assume they may be absent or not shown and need verification/installation.",
"Electrical panel, circuit labeling, grounding, and GFCI protection in kitchen/bathrooms are not visible; assume typical mid-century upgrades may have been performed but require confirmation.",
"HVAC exists and is functional based on visible ceiling vents; assume recent service history is unknown.",
"Water heater and hot water supply are present but not shown; assume working as there are no interior water stains or evidence of failure.",
"Elevated foundation/pilings are assumed structurally sound because no sagging or shifted members are visible; a close inspection is recommended for code verification.",
"Presence of appliances in photos (stove, refrigerator, dishwasher, microwave) means missing-appliance risk is low."
],
"overall_score": 75.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This raised single-family home presents as mostly well-maintained and close to Section 8 rental-ready. Interior finishes, flooring, and kitchen appliances are present and in good cosmetic condition. Main uncertainties are absence of visible smoke/CO detectors and GFCI outlets in photos, the need to verify operation and condition of major systems (HVAC, water heater, electrical panel), and cracked driveway/trip hazards. No severe structural or life‑threatening defects are visible, so with minor repairs (install detectors, address GFCI, repair driveway, paint/repair stairs as needed) the property is likely to pass an initial HCV/NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 78.0,
"rationale": "Interior photos show well-maintained finishes: tile floors, updated cabinetry, intact drywall, ceiling fans and no visible interior water stains or severe wear. Kitchen appliances (refrigerator, range, microwave, dishwasher) are present which reduces required capital work. Exterior paint, brick, and raised structure appear in good cosmetic condition. Noted deferred items: cracked concrete driveway (visible trip hazard and will need patching/resurfacing), some weathering of exterior wood stairs/railings that will likely require sanding/paint or minor repair. Overall cosmetic and appliance needs are minor-to-moderate and repairable without major rehab."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards seen (no collapsed ceilings, no visible active leaks, no exposed wiring). Bedrooms show windows that appear to provide egress. Entry door appears secure with a lock; exterior stairs have guardrails. However, photos do not show smoke detectors or carbon monoxide detectors (likely required), and GFCI outlets in kitchen/baths are not visible in photos. Concrete driveway cracking is a trip hazard. Elevated (pier) construction is typical for the area but requires verification of pier/beam stability and stair/guardrail securement at inspection. These unknowns reduce the safety score to moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Visible ceiling vents and supply registers indicate a central HVAC system likely present; interior looks climate-controlled. Kitchen shows modern appliances (gas range likely) and built-in microwave; water heater and electrical panel are not shown. Roof condition cannot be fully assessed from provided photos but appears intact from distance with no visible sagging or missing sections. Plumbing fixtures themselves are not shown clearly but bathrooms are listed as two and no visible water damage is apparent. Because several critical system elements (water heater, electrical panel, age/operation of HVAC, gas connections/CO venting) are not visible, moderate uncertainty remains and score is conservative."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Elevated single‑family home on piers (appropriate for local flood risk), with brick exterior and gutters in place—these are positive. Yard is maintained and there is concrete parking/drive area. Noted issues: cracked and spalling driveway and pavement (visible), some vegetation near foundation/piers that should be managed, and under-house storage/parking area needs verification for standing water, pests, or drainage issues. Stairs and screened porch appear serviceable but will require routine maintenance. No major foundation settlement or exterior structural sagging visible in photos."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide detectors visible in listing photos — required for NSPIRE/HCV inspections.",
"Cracked and spalled concrete driveway/parking area (trip hazard) — visible and should be repaired.",
"Under-house area and pier supports are not fully inspectable in photos; potential moisture, pest, or drainage issues under raised structure should be verified at inspection."
],
"confidence": 0.72,
"assumptions": [
"Central HVAC is present and operable based on visible ceiling vents/registers; exact age and service status unknown.",
"Kitchen appliances shown (refrigerator, gas range, microwave, dishwasher) are functional; gas connections and venting are assumed safe but will need verification.",
"Water heater and electrical panel exist and are functional though not pictured — assumed serviceable unless inspection finds otherwise.",
"No visible interior mold, major water intrusion, or structural sagging as none are shown in provided photos; hidden issues might exist beneath elevated structure but not evident.",
"Bedrooms have compliant egress windows based on pictured windows; exact bedroom window dimensions not measured from photos.",
"Smoke detectors and carbon monoxide detectors are not visible in photos and are assumed absent or unverified—these will likely be required before passing NSPIRE.",
"Concrete driveway cracking is assumed to be surface/sub‑surface deterioration rather than total slab failure; repairs will be required to mitigate trip hazards."
],
"overall_score": 74.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "5120 Elizabeth St, Lafitte, LA, 70067",
"aggregate": {
"summary": "Overall this elevated single-family home appears largely rent-ready with good interior condition, working appliances, secure entry, and intact exterior envelope. Primary inspection risks are items not visible in listing photos: verification of functioning smoke/CO detectors, GFCI protection in kitchen/bath, water heater/hot water, electrical panel condition, and HVAC operational testing. Site concrete cracking/driveway and some exterior wood weathering are the main observable repair items. Likely outcome: passable with minor repairs/verification within 1–4 weeks if unseen systems test OK.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 79.3,
"rationale": "Interior and exterior photos show a well-maintained home: updated kitchen cabinets, working appliances (refrigerator, range, microwave, dishwasher visible), tile floors, painted walls, and intact interior finishes. Exterior brick, elevated foundation, and wood railings appear in good cosmetic condition. Observable deferred items are limited to driveway concrete cracking and minor weathering of exterior wooden railings/stairs that likely need repainting/sealing. No visible collapsed surfaces, exposed subfloor, or severe interior deterioration. Missing or damaged small fixtures not observed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 73.3,
"rationale": "Elevated (stilt) construction appears appropriate for local flood risk. Yard is maintained and free of debris; walkways and concrete parking show notable cracking and spalling which are trip and drainage concerns. Vegetation near elevated supports exists but no clear evidence of infestation or foundation undermining. Driveway deterioration could present an HQS minor citation and will need concrete repair. Garage/storage doors under house appear intact. Overall exterior is functional but requires moderate repair attention to concrete and minor landscaping to reduce inspection notes."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "Photos show secure entry door with a deadbolt, intact stair handrails/guardrails on exterior stairs, bedrooms with large windows that appear to provide egress, and no visible exposed wiring or broken outlets. No obvious mold, ceiling collapse, or standing water seen. Potential code items not confirmed in photos: presence/placement/function of smoke detectors and CO alarms, existence of GFCI protection at kitchen/bath, and verification of hot water and working plumbing. Gas connection details for range/ fireplace not visible but no signs of venting problems. Based on visible condition, there is moderate compliance risk mostly due to non-visible detector/GFCI checks."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 73.3,
"rationale": "No visual indicators of failing major systems. Roof appears intact from photos with no visible sagging or large missing areas; gutters/downspouts are present. Interior shows ceiling HVAC supply vents indicating central HVAC likely present. Appliances and kitchen plumbing appear functional. Water heater, electrical panel, and outdoor A/C unit are not shown and could alter this score. Concrete parking/drive area shows cracking which is a site drainage/impervious surface concern but not a mechanical failure. Score reduced for uncertainty around unseen systems (water heater, electrical panel condition, HVAC age)."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Smoke detectors and carbon monoxide alarms are present and would be installed/functional if not already (not visible in photos).",
"Central HVAC exists and is operational (ceiling vents visible) though outdoor condensing unit and service history are not shown.",
"Water heater and hot water supply are present and functioning though not visible in photos.",
"Electrical panel is intact and there are no exposed live wires; GFCI protection in kitchen/bath may be absent or unverified and could require installation.",
"No active roof leaks or interior water stains exist beyond what’s visible in the photos.",
"Elevated/stilt foundation is structurally sound and appropriate for local flood risk; no significant unseen foundation movement.",
"Appliances shown in photos (range, refrigerator, dishwasher, microwave) remain with the property and are operable."
],
"score_method": "mean_of_criteria",
"overall_score": 75.7,
"rubric_version": "nsPIRE-v1.0-2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8051483856"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.