Property ID: 8069216086

341 Argonne Dr NE, Birmingham, AL, 35215

Birmingham, AL

For Sale Feb 16, 2026 03:07 AM UTC Realtor Zillow Street View
Money Down: $25,536 CoC Return: 19.78% Monthly Cash Flow: $421
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,280
Closing Costs
$4,256
Total Down
$25,536
Primary property image

Investment Snapshot

Purchase Price
$106,400
Money Down
$25,536
Cash-on-Cash Return
19.78%
Rent
$1,276
Monthly Cash Flow
$421
Annual Cash Flow
$5,051
Debt Service / Mo
$566
Property Tax / Mo
$91
Insurance / Mo
$70

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,276
Payment Standard
$1,738
Rent
$1,276
Insurance
$70
Property Tax
$91
Management
$128
Utilities Allowance
$462
NOI (Monthly)
$987
Debt Service
$566
Cash Flow After Debt
$421

Quality Score: 67.20%

Confidence: 95.00%

This 3-bed single-family appears generally sound and likely to pass an initial HCV/NSPIRE inspection after a short scope of work. Main issues are cosmetic and appliance replacement (missing range/refrigerator, worn hardwoods, and a damaged kitchen tile area). Safety/system verifications are needed (smoke/CO detectors, GFCI outlets, HVAC and water heater operation, and investigation of a small ceiling stain). No major structural or life-threatening hazards are visible in provided photos. Estimated time to rent-ready: minor repairs and verification work ~1–4 weeks.

Section 8 Payment Standard
$1,738
Utility Allowance Total
$462
Guaranteed Section 8 Rent (PS - Utilities)
$1,276
Property Management
$128

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$106,400
Beds
3
Baths
1
Living Area
1,040 sqft
Lot Size
10,890 sqft
Year Built
1964
Days on Market
77
Capital Outlay
$25,536
Debt Service
$566
Property Tax / Mo
$91
Insurance / Mo
$70

Property Description

341 Argonne Dr NE sits on a quiet, tree-lined street and offers spacious rooms throughout, including an open kitchen and dining area. The large deck overlooks a private, shaded yard- perfect for relaxing or outdoor living. A solid option for both homeowners and investors.

Utility Allowances

Heating (Natural Gas)
$38
Property has central heating, and fireplace/stove details suggest gas is the fuel source. 'Spire' is selected as a major regional provider.
Cooling (A/C)
$22
Property has central air conditioning, which is electric. 'Alabama Power' is selected as the dominant regional provider.
Water Heating (Electric)
$56
Property details explicitly state 'Electric Water Heater'. 'Alabama Power' is selected for consistency with other electric utilities.
Cooking (Natural Gas)
$15
Property details list 'Gas Oven' and 'Stove-Gas'. 'Spire' is selected for consistency with other gas utilities.
Other Electric (Lights, etc.)
$68
This covers general electric use for lights and outlets. 'Alabama Power' is selected as the dominant provider.
Water
$78
Property has 'Public Water'. The 'Birmingham' water provider is selected from the schedule based on the property's city.
Sewer
$151
Property is listed as 'Sewer Connected'. The allowance is a fixed value from the schedule for this unit type.
Trash Collection
$20
Trash collection is a standard utility for a single-family home. 'Jefferson City' is selected as the most appropriate available option for the area.
Refrigerator (Tenant-owned)
$8
A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned and paid for per the rules.
Range/Microwave (Tenant-owned)
$6
A microwave is not explicitly listed as a provided appliance in the primary details, so it is assumed to be tenant-owned and paid for per the rules.

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$691
DP3 Annual Estimate$990
DP1 Monthly Equivalent$58
DP3 Monthly Equivalent$82
Replacement Value$82,200
Basis1,040 sqft / 1964

Nearby Houses

Nearby house 1
Photo unavailable

1612 Barrington Ln NE

sold · 0.03 mi
Price: $102,000
3 bd / 1 ba · 1,800 sqft
Latest sale: $102,000
Latest rent: —
Nearby house 2
Photo unavailable

349 Argonne Dr NE

sold · 0.04 mi
Price: $109,000
3 bd / 2 ba · 976 sqft
Latest sale: $109,000
Latest rent: —
Nearby house 3
Photo unavailable

320 Argonne Dr NE

sold · 0.06 mi
Price: $95,000
3 bd / 1 ba · 911 sqft
Latest sale: $95,000
Latest rent: —
Nearby house 4
Photo unavailable

1700 Bobolink Ln NE

sold · 0.07 mi
Price: $114,900
4 bd / 2 ba · 1,416 sqft
Latest sale: $114,900
Latest rent: —
Nearby house 5
Photo unavailable

312 Argonne Dr NE

sold · 0.07 mi
Price: $190,000
4 bd / 2 ba · 2,379 sqft
Latest sale: $190,000
Latest rent: —
Nearby house 6
Photo unavailable

1644 Bobolink Ln NE

sold · 0.07 mi
Price: $79,900
3 bd / 1 ba · 1,300 sqft
Latest sale: $79,900
Latest rent: —
Nearby house 7
Photo unavailable

325 Argonne Dr NE

sold · 0.08 mi
Price: $62,900
3 bd / 2 ba · 1,939 sqft
Latest sale: $62,900 on Mar 13, 2013
Latest rent: —
Nearby house 8
Photo unavailable

405 Angora Dr NE

sold · 0.08 mi
Price: $73,000
3 bd / 1 ba · 1,207 sqft
Latest sale: $73,000
Latest rent: —
Nearby house 9
Photo unavailable

1632 Bobolink Ln NE

sold · 0.09 mi
Price: $130,000
3 bd / 2 ba · 1,327 sqft
Latest sale: $130,000
Latest rent: —
Nearby house 10
Photo unavailable

1636 NE Bobolink Ln

sold · 0.09 mi
Price: $134,900
3 bd / 2 ba · 1,369 sqft
Latest sale: $134,900
Latest rent: —
Nearby house 11
Photo unavailable

1628 Bobolink Ln NE

off_market · 0.09 mi
Price: $113,250
3 bd / 1 ba · 1,014 sqft
Latest sale: $47,500
Latest rent: —
Nearby house 12
Photo unavailable

1716 NE Bobolink Ln

sold · 0.10 mi
Price: $160,000
3 bd / 2 ba · 1,432 sqft
Latest sale: $160,000
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Photos are representative of whole home and there are no hidden areas with severe damage outside the frames shown.
  • Central HVAC is present and operational (thermostat and vents visible) though service history unknown.
  • Water heater and main plumbing are present and supply hot water (not pictured but assumed for a listed house).
  • Smoke detector visible in hallway is functional but additional detectors (in/near bedrooms) may need installation or testing.
  • Kitchen range/stove and refrigerator are not present (photo shows space and no range), and will need to be provided before tenancy; dishwasher appears present.
  • No active major roof leak is occurring now; visible small ceiling stain is assumed to be past or minor and requires inspection.
  • Electrical panel and GFCI protections are not visible in photos and are assumed typical for a 1964 house but must be verified by inspector.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,062 $96,400 $19,280
2023 $1,062 $96,400 $19,280
2022 $947 $86,000 $17,200
2021 $869 $78,900 $15,780
2020 $811 $73,600 $14,720
2019 $811 $73,600 $14,720
2011 $322 $80,100 $8,010
2010 $322 $80,100 $8,010
2009 $322 $80,100 $8,010
2008 $328 $81,600 $8,160
2007 $324 $80,600 $8,060

Sale History

DateEventPrice
2018-12-27 Sold $52,000

Photo Gallery

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        "note": "Property has 'Public Water'. The 'Birmingham' water provider is selected from the schedule based on the property's city.",
        "utility": "Water",
        "allowance": 78
      },
      {
        "note": "Property is listed as 'Sewer Connected'. The allowance is a fixed value from the schedule for this unit type.",
        "utility": "Sewer",
        "allowance": 151
      },
      {
        "note": "Trash collection is a standard utility for a single-family home. 'Jefferson City' is selected as the most appropriate available option for the area.",
        "utility": "Trash Collection",
        "allowance": 20
      },
      {
        "note": "A refrigerator is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned and paid for per the rules.",
        "utility": "Refrigerator (Tenant-owned)",
        "allowance": 8
      },
      {
        "note": "A microwave is not explicitly listed as a provided appliance in the primary details, so it is assumed to be tenant-owned and paid for per the rules.",
        "utility": "Range/Microwave (Tenant-owned)",
        "allowance": 6
      }
    ],
    "cash_on_cash_return": 0.56,
    "down_payment_amount": 21280.0,
    "property_tax_annual": 1093.86,
    "property_tax_monthly": 91.16,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 462.0,
    "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": 5050.77,
    "property_management_monthly": 127.6,
    "monthly_cash_flow_after_debt": 420.9,
    "cash_on_cash_return_after_debt": 0.24
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 3-bed single-family appears generally sound and likely to pass an initial HCV/NSPIRE inspection after a short scope of work. Main issues are cosmetic and appliance replacement (missing range/refrigerator, worn hardwoods, and a damaged kitchen tile area). Safety/system verifications are needed (smoke/CO detectors, GFCI outlets, HVAC and water heater operation, and investigation of a small ceiling stain). No major structural or life-threatening hazards are visible in provided photos. Estimated time to rent-ready: minor repairs and verification work ~1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repair Needs",
            "score": 65.0,
            "rationale": "Interior generally intact and recently painted but shows moderate deferred cosmetic repairs: hardwoods in living spaces have heavy surface wear and scratches requiring refinishing or replacement in spots; kitchen shows missing range/stove and likely missing refrigerator (appliances reduce tenant readiness moderately), tile at the kitchen threshold has visible damage/missing grout creating a small trip hazard, cabinets are older but serviceable. No visible collapsed ceilings or major interior structural damage. These are mostly cosmetic and moderate-cost repairs that should be completed before move-in."
          },
          {
            "key": "safety_code",
            "label": "Safety & NSPIRE Code Risk",
            "score": 70.0,
            "rationale": "No obvious life-threatening hazards in photos: ceilings intact, no exposed wiring observed, interior doors and windows present for egress, and a smoke-detector-like device is visible in the hallway. However several standard code items are unconfirmed from photos: presence/operation of smoke detectors on every level and inside bedrooms; CO detector where required; GFCI protection at kitchen and bathroom outlets; verified deadbolt on exterior door (front door appears to have a lock but function not confirmed). Slight ceiling staining above hallway suggests either past or potential roof/plumbing leak that should be investigated. Overall low-to-moderate NSPIRE risk but needs verification/quick fixes."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 65.0,
            "rationale": "Evidence of central HVAC registers and a thermostat suggests a forced-air system is present, but operation and age of HVAC and water heater are not documented. Electrical panel and service condition not visible. Plumbing fixtures (kitchen sink, bathroom tub/shower, toilet) appear present and intact; no obvious active leaks shown but a ceiling stain indicates a possible prior leak that requires inspection. Roof shingles look aged but not visibly failed in photos. Systems appear functional or present but need verification and likely minor service/maintenance."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Brick exterior appears solid with no visible foundation displacement or major cracking. Roof shows aged asphalt shingles but no visible sagging or large missing areas from photos. Yard is shaded with large trees close to the house (increases risk of limb damage and debris maintenance). Front entry step and walkway show minor wear; deck visible from interior photos but deck structural condition not shown and should be inspected. No standing water or obvious pest infestation visible."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Photos are representative of whole home and there are no hidden areas with severe damage outside the frames shown.",
          "Central HVAC is present and operational (thermostat and vents visible) though service history unknown.",
          "Water heater and main plumbing are present and supply hot water (not pictured but assumed for a listed house).",
          "Smoke detector visible in hallway is functional but additional detectors (in/near bedrooms) may need installation or testing.",
          "Kitchen range/stove and refrigerator are not present (photo shows space and no range), and will need to be provided before tenancy; dishwasher appears present.",
          "No active major roof leak is occurring now; visible small ceiling stain is assumed to be past or minor and requires inspection.",
          "Electrical panel and GFCI protections are not visible in photos and are assumed typical for a 1964 house but must be verified by inspector."
        ],
        "overall_score": 67.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "This 1964 brick single-family looks essentially rent-ready with mostly cosmetic and verification items to address. The unit shows worn hardwood floors, older kitchen cabinetry, and at least one missing appliance (stove/fridge not shown). There are no obvious structural failures or life‑threatening hazards in the photos. Primary inspection risks are missing/uncertain smoke & CO detectors, unverified GFCI protection, a ceiling stain that suggests prior water intrusion (requires investigation), and unconfirmed operation of HVAC and water‑heating equipment. With targeted fixes (install/verify alarms, GFCI, repair tile/threshold, refinish/repair flooring, confirm HVAC/water heater operation and address minor exterior erosion) this property should be able to pass an initial HCV/NSPIRE inspection within ~2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior surfaces are generally intact but show moderate cosmetic wear: hardwood floors are heavily scuffed and would benefit from refinishing or replacement in high-traffic areas; kitchen shows missing appliance (stove/fridge not visible) and an area of missing/removed tile under the dishwasher which will need repair; cabinetry and countertops are older but serviceable; bathroom fixtures intact. No obvious collapsed surfaces or large holes. Overall these are mostly cosmetic/medium-cost repairs and replacements, not structural."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risks (NSPIRE)",
            "score": 65.0,
            "rationale": "No life‑threatening hazards are visible (no collapsed ceilings, no standing water, no exposed high-voltage wiring). Bathroom and kitchen fixtures present. Visible window sizes appear adequate for bedroom egress. Uncertainties reduce score: smoke and carbon monoxide detectors are not clearly visible in photos (no confirmed installed alarms); GFCI protection at kitchen and bathroom receptacles is not evident; there is a small ceiling discoloration/stain (possible past leak) and a missing tile/transition at kitchen entrance that could be a trip hazard. Entry door appears to have a lock, but deadbolt presence not clearly shown. These are addressable but require verification/fixes prior to inspection."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 60.0,
            "rationale": "Central HVAC supply/return vents and a thermostat are visible, indicating a forced-air system likely present, but no HVAC/boiler/water heater equipment or service records are shown so operation is assumed but unverified. Roof appears aged (asphalt shingles with some discoloration) but no visible active leaks or sagging; attic/roof condition cannot be confirmed. Plumbing fixtures (toilet, tub/shower, sink) are present; no visible active leaks but a ceiling stain suggests prior water intrusion that should be investigated. Electrical panel not shown; no obvious exposed wiring seen in photos. Given unknowns on equipment operation and roof age, moderate score assigned."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 70.0,
            "rationale": "Exterior brick shell looks sound with typical age-related wear. Front steps show a small gap/soil erosion under the entry step area that should be remedied to prevent further settlement. Yard is sloped and shaded with mature trees (good privacy but increases debris and potential root/drainage concerns). A rear deck is referenced/partly visible and appears to have railings. Landscaping is slightly overgrown. No visible foundation cracks, major siding failure, or standing water in photos."
          }
        ],
        "red_flags": [],
        "confidence": 0.65,
        "assumptions": [
          "Interior photos are representative of the entire unit; no hidden severe damage exists beyond what is shown.",
          "Central HVAC exists (visible vents and thermostat) and is functional or repairable; equipment not shown in photos.",
          "Water heater and electrical panel are present but were not photographed; their condition is unknown and assumed serviceable unless inspection reveals otherwise.",
          "Smoke and CO alarms are not clearly visible in photos; assume they are not installed or need verification/replacement to meet NSPIRE.",
          "Kitchen appliances: dishwasher is present; stove and refrigerator are not visible in photos and are assumed missing or will need verification.",
          "Deck and exterior railings exist as described/partially visible and are intact; stairs/guard details not fully visible and should be inspected."
        ],
        "overall_score": 66.0,
        "rubric_version": "ns-pra-2026-1"
      },
      {
        "summary": "Overall the home appears to be a moderate-risk, mostly cosmetically worn single-family house that would likely pass an initial Housing Choice Voucher (Section 8/NSPIRE) inspection after addressing a small number of targeted items. The primary issues are cosmetic (worn hardwoods, tile repairs, paint/trim) and minor safety/code items (missing light cover, possible missing GFCIs, clarify deadbolt on entry). Key systems appear present (HVAC registers, working plumbing fixtures, intact roofline) but need verification (HVAC operation, water heater, electrical panel). There is a minor ceiling stain suggesting prior water intrusion that should be evaluated and repaired as needed prior to inspection. With 1–3 weeks of focused repairs and verification of system operation (or up to 30 days if countertop/appliance replacement or floor refinishing is scheduled), this property is likely to be rent-ready for Section 8 tenancy.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Property shows mostly cosmetic deferred maintenance: heavily worn and scratched hardwood floors in primary living areas (photos 2–4, 10), scuffed baseboards, minor tile damage/patching in the kitchen under the dishwasher area, and a small ceiling discoloration in the living room/hall that suggests past water intrusion. Cabinets and countertops appear serviceable. Appliances: dishwasher is present; stove and refrigerator are not visible in listing photos — missing appliances reduce readiness moderately but are not an automatic fail. Overall these are cosmetic/medium-effort repairs (floor refinishing, tile patch, paint, minor trim work) rather than structural repairs."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk",
            "score": 68.0,
            "rationale": "Visible safety items: a smoke detector is visible in the hall (photo 8). No obvious exposed wiring, collapsed ceilings, or large foundation cracks were observed. Potential concerns: ceiling discoloration (possible leak) could indicate active or recent water intrusion; kitchen and bathroom GFCI protection is not evident in photos (outlets not clearly GFCI-type), and a hallway light fixture has an exposed bulb/cover missing (photo 8) which is a minor electrical/safety issue. Entry door shows a lock but a deadbolt cannot be clearly confirmed from photos. Bedroom windows appear operable but exact egress clearances cannot be verified from photos. No visible mold or severe trip hazards were observed. These issues create moderate inspection risk but nothing clearly life-threatening in images."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 65.0,
            "rationale": "Forced-air HVAC registers and a wall thermostat are visible (photos 3, 8), indicating presence of HVAC equipment, but operational status is not documented. Roof appears aged but intact from the front photo (photo 1) with no obvious sagging or missing large sections; however shingle wear is visible and roof may be near end of service life. Water heater, electrical service panel and plumbing risers are not shown. Bathroom and kitchen fixtures appear intact (tub/shower, toilet, sink, kitchen faucet). Because major system condition cannot be confirmed from photos, assign a conservative moderate score for likely functionality but potential near-term maintenance (HVAC check, roof assessment, confirm water heater and electrical panel)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 70.0,
            "rationale": "Exterior brick shell looks intact and generally serviceable (photo 1). Front stoop shows a small step and a gap/void beneath the brick step that could be a trip hazard; there is no visible handrail at front entry (photos 1 & 3). Mature trees are close to the house which may present long-term root/drip issues but no active infestation or major erosion is visible. Deck is mentioned in listing and rail appears through interior windows (photo 6) but full deck condition is not shown. Driveway/walkway visible areas show leaf/debris accumulation but no major cracking in pictures shared. Overall site is functional with some maintenance and safety cleanup needed."
          }
        ],
        "red_flags": [
          "Possible past or active water intrusion indicated by ceiling discoloration in living/hall area — investigate and repair if active.",
          "Front entry stoop has a visible gap/void and no handrail — potential trip/handrail issue for inspector depending on local code/enforcement.",
          "GFCI protection not clearly visible in kitchen/bath photos — likely required and commonly flagged on inspections.",
          "Roof shows aging shingles; while no major failure seen, roof may be near end of life and warrants closer inspection."
        ],
        "confidence": 0.6,
        "assumptions": [
          "Heat/air system is present and operational (thermostat and vents seen), but no service records were provided.",
          "A smoke detector is present (visible in hallway photo); additional detectors (and CO alarms if required locally) will be installed or verified before inspection if not present.",
          "Water heater and electrical panel exist and are functional though not shown in photos; no obvious signs of major electrical hazard were observed.",
          "Stained ceiling area is from a past leak and is not actively leaking at time of photos; however this should be inspected and repaired if active.",
          "Deck exists as described in listing; full structural condition of deck and deck stairs not visible in photos and assumed intact but should be inspected.",
          "Kitchen stove and refrigerator are not pictured and may be absent; missing appliances are treated as moderate readiness issues (not automatic fails)."
        ],
        "overall_score": 68.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "341 Argonne Dr NE, Birmingham, AL, 35215",
    "aggregate": {
      "summary": "This 3-bed single-family appears generally sound and likely to pass an initial HCV/NSPIRE inspection after a short scope of work. Main issues are cosmetic and appliance replacement (missing range/refrigerator, worn hardwoods, and a damaged kitchen tile area). Safety/system verifications are needed (smoke/CO detectors, GFCI outlets, HVAC and water heater operation, and investigation of a small ceiling stain). No major structural or life-threatening hazards are visible in provided photos. Estimated time to rent-ready: minor repairs and verification work ~1–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repair Needs",
          "score": 68.3,
          "rationale": "Interior generally intact and recently painted but shows moderate deferred cosmetic repairs: hardwoods in living spaces have heavy surface wear and scratches requiring refinishing or replacement in spots; kitchen shows missing range/stove and likely missing refrigerator (appliances reduce tenant readiness moderately), tile at the kitchen threshold has visible damage/missing grout creating a small trip hazard, cabinets are older but serviceable. No visible collapsed ceilings or major interior structural damage. These are mostly cosmetic and moderate-cost repairs that should be completed before move-in."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 70.0,
          "rationale": "Brick exterior appears solid with no visible foundation displacement or major cracking. Roof shows aged asphalt shingles but no visible sagging or large missing areas from photos. Yard is shaded with large trees close to the house (increases risk of limb damage and debris maintenance). Front entry step and walkway show minor wear; deck visible from interior photos but deck structural condition not shown and should be inspected. No standing water or obvious pest infestation visible."
        },
        {
          "key": "safety_code",
          "label": "Safety & NSPIRE Code Risk",
          "score": 67.7,
          "rationale": "No obvious life-threatening hazards in photos: ceilings intact, no exposed wiring observed, interior doors and windows present for egress, and a smoke-detector-like device is visible in the hallway. However several standard code items are unconfirmed from photos: presence/operation of smoke detectors on every level and inside bedrooms; CO detector where required; GFCI protection at kitchen and bathroom outlets; verified deadbolt on exterior door (front door appears to have a lock but function not confirmed). Slight ceiling staining above hallway suggests either past or potential roof/plumbing leak that should be investigated. Overall low-to-moderate NSPIRE risk but needs verification/quick fixes."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical Condition",
          "score": 63.3,
          "rationale": "Evidence of central HVAC registers and a thermostat suggests a forced-air system is present, but operation and age of HVAC and water heater are not documented. Electrical panel and service condition not visible. Plumbing fixtures (kitchen sink, bathroom tub/shower, toilet) appear present and intact; no obvious active leaks shown but a ceiling stain indicates a possible prior leak that requires inspection. Roof shingles look aged but not visibly failed in photos. Systems appear functional or present but need verification and likely minor service/maintenance."
        }
      ],
      "red_flags": [],
      "confidence": 0.95,
      "assumptions": [
        "Photos are representative of whole home and there are no hidden areas with severe damage outside the frames shown.",
        "Central HVAC is present and operational (thermostat and vents visible) though service history unknown.",
        "Water heater and main plumbing are present and supply hot water (not pictured but assumed for a listed house).",
        "Smoke detector visible in hallway is functional but additional detectors (in/near bedrooms) may need installation or testing.",
        "Kitchen range/stove and refrigerator are not present (photo shows space and no range), and will need to be provided before tenancy; dishwasher appears present.",
        "No active major roof leak is occurring now; visible small ceiling stain is assumed to be past or minor and requires inspection.",
        "Electrical panel and GFCI protections are not visible in photos and are assumed typical for a 1964 house but must be verified by inspector."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 67.2,
      "rubric_version": "1.0",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8069216086"
  }
}

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