Property ID: 8071389311
1704 Hatchet Ave, Tarrant, AL, 35217
Tarrant, AL
Money Down: $21,480
CoC Return: 4.84%
Monthly Cash Flow: $87
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,900
Closing Costs
$3,580
Total Down
$21,480
Investment Snapshot
Purchase Price
$89,500
Money Down
$21,480
Cash-on-Cash Return
4.84%
Rent
$759
Monthly Cash Flow
$87
Annual Cash Flow
$1,039
Debt Service / Mo
$476
Property Tax / Mo
$47
Insurance / Mo
$74
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$759
Payment Standard
$1,133
Rent
$759
Insurance
$74
Property Tax
$47
Management
$76
Utilities Allowance
$374
NOI (Monthly)
$563
Debt Service
$476
Cash Flow After Debt
$87
Quality Score: 68.00%
Confidence: 95.00%
Overall the home is in generally good, rentable condition with mostly cosmetic and age-related repairs needed. Primary inspection risks are missing/undocumented smoke detectors, probable lack of GFCI protection in kitchen, and missing handrail at front entry which could cause an initial NSPIRE fail. Major systems are reported present (central HVAC, gas hot water) but should be verified. Estimated time to pass an initial HCV/NSPIRE inspection: 2–6 weeks if smoke detectors, GFCI (if required), and handrail issues are corrected and carpets cleaned/replaced.
Section 8 Payment Standard
$1,133
Utility Allowance Total
$374
Guaranteed Section 8 Rent (PS - Utilities)
$759
Property Management
$76
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,500
Beds
2
Baths
1.5
Living Area
1,152 sqft
Lot Size
6,970 sqft
Year Built
1957
Days on Market
164
Capital Outlay
$21,480
Debt Service
$476
Property Tax / Mo
$47
Insurance / Mo
$74
Property Description
A great opportunity for this 2BR, 1.5BA home with 1152 +/- SF of living space and a landscaped yard. Other desirable features include a cozy screen porch, central heat/air, garage and fenced yard. The main level includes a large family room/dining room (the dining room was formerly a bedroom), updated full bath with tub/shower combination, large bedroom with walk-in closet, eat-in kitchen and a half bath. Downstairs in the daylight basement is a large bedroom with window and closet, a storage area and a laundry area with sink. Next to the downstairs garage is a workshop area. Centra, gas heat and gas hot water tank plus a secondary gas heater in the garage area. Enjoy the landscaped yard with a private patio area and a heavy-duty storage building. This home has been well maintained over the years and a pleasure to show. Tarrant schools! Hardwood floors under the main level carpeting! Connected to sewer.
Utility Allowances
Heating
$31
Property has gas heat. 'Spire' was selected as a major natural gas provider in the region, as Tarrant is not explicitly listed for gas service.
Cooking
$13
Property has an electric oven and stove. The allowance for 'Elec: Tarrant' is used based on the property's location.
Water Heating
$29
Property has a gas water heater. 'Spire' was selected as a major natural gas provider in the region.
Cooling
$14
Property has electric central cooling. The allowance for 'A/C: Tarrant' is used based on the property's location.
Other Electric
$52
Covers general electricity usage for lights and other plug-in appliances. The 'Lights, Ref, Etc.: Tarrant' rate is applied based on the property's location.
Water
$69
Property has public water. The 'Water: Birmingham' rate was used as Tarrant is served by the Birmingham Water Works Board.
Sewer
$125
Property is connected to the public sewer system. The schedule provides a fixed rate for this utility based on bedroom count.
Trash Collection
$27
The property is located in Tarrant, so the 'Tarrant City ISCL' rate for trash collection is used.
Refrigerator
$8
A refrigerator is not listed as a provided appliance and is assumed to be tenant-provided.
Range/Microwave
$6
A microwave is not listed as a provided appliance and is assumed to be tenant-provided. The range is electric and accounted for under the 'Cooking' utility.
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$730
DP3 Annual Estimate$1,038
DP1 Monthly Equivalent$61
DP3 Monthly Equivalent$86
Replacement Value$91,900
Basis1,152 sqft / 1957
Nearby Houses
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1021 Green St
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1724 Burgin Ave
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1632 Burgin Ave
sold · 0.11 mi
Price: $15,000
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Latest sale: $15,000 on Mar 23, 2018
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1817 Hoke Ave
sold · 0.11 mi
Price: $75,000
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937 Linthicum St
sold · 0.11 mi
Price: $168,500
5 bd / 2 ba · 1,566 sqft
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1616 Hatchet Ave
off_market · 0.12 mi
Price: $120,000
3 bd / 1 ba · 1,368 sqft
Latest sale: $61,200
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Photo unavailable
1040 Green St
sold · 0.13 mi
Price: $56,000
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Latest sale: $56,000
Latest rent: —
Photo unavailable
1036 Linthicum St
sold · 0.14 mi
Price: $34,000
4 bd / 2 ba · 2,064 sqft
Latest sale: $34,000
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Photo unavailable
1048 Green St
sold · 0.14 mi
Price: $100,000
3 bd / 1 ba · 864 sqft
Latest sale: $100,000
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1044 Linthicum St
sold · 0.15 mi
Price: $28,000
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1056 Green St
sold · 0.16 mi
Price: $135,000
4 bd / 2 ba · 2,224 sqft
Latest sale: $135,000
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in interior photos — likely inspection fail until corrected.
- Front entry steps lack a handrail/guard where one may be required.
- Property built 1957 — potential lead-based paint risk (pre-1978) that requires proper disclosure and remediation where applicable.
- Aged roof with staining/algae — near-term replacement likely; inspector may require roof repair if active leaks found.
- No visible GFCI outlets in kitchen area — may require upgrade for compliance.
- Secondary gas heater in garage mentioned in listing — potential combustion/venting hazard if not properly installed/vented (requires verification).
Assumptions
- Central HVAC and gas hot water are operational as stated in listing but were not tested in photos.
- No smoke detectors were visible in the provided interior photos; assume none or not in required locations until verified.
- Electrical panel is intact and grounded but not photographed; assume no visible exposed wiring based on photos.
- Basement/ground-floor bedroom egress window exists and meets size requirements — window visible but dimensions not confirmed.
- No active roof leaks or interior water intrusion present based on ceiling/photos; roof is aged but not visibly failed.
- Appliances shown (range, dishwasher) are included and functional unless disclosed otherwise.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $542 | $105,500 | $10,560 |
| 2023 | $542 | $105,500 | $10,560 |
| 2022 | $353 | $72,000 | $7,200 |
| 2021 | $398 | $79,900 | $8,000 |
| 2020 | $375 | $75,900 | $7,600 |
| 2019 | $398 | $79,900 | $8,000 |
| 2018 | $333 | $68,500 | $6,860 |
| 2017 | $333 | $68,500 | $6,860 |
| 2016 | $311 | $64,600 | $6,460 |
| 2015 | $333 | $68,500 | $6,860 |
| 2013 | $305 | $62,600 | $6,260 |
| 2012 | $332 | $67,400 | $6,740 |
| 2011 | $338 | $68,500 | $6,850 |
| 2010 | $338 | $68,500 | $6,850 |
| 2009 | $338 | $68,500 | $6,850 |
| 2008 | $346 | $70,000 | $7,000 |
| 2007 | $336 | $68,200 | $6,820 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-27 | Price Changed | $89,500 |
| 2025-09-19 | Sold | $105,500 |
| 2025-09-05 | Listed | $95,000 |
| 1976-11-10 | Sold | $25,950 |
Photo Gallery
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"summary": "Overall the home is in generally good, rentable condition with mostly cosmetic and age-related repairs needed. Primary inspection risks are missing/undocumented smoke detectors, probable lack of GFCI protection in kitchen, and missing handrail at front entry which could cause an initial NSPIRE fail. Major systems are reported present (central HVAC, gas hot water) but should be verified. Estimated time to pass an initial HCV/NSPIRE inspection: 2–6 weeks if smoke detectors, GFCI (if required), and handrail issues are corrected and carpets cleaned/replaced.",
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},
{
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},
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"label": "Exterior envelope & site condition",
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"Aged roof with staining/algae — near-term replacement likely; inspector may require roof repair if active leaks found.",
"No visible GFCI outlets in kitchen area — may require upgrade for compliance.",
"Secondary gas heater in garage mentioned in listing — potential combustion/venting hazard if not properly installed/vented (requires verification)."
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"Basement/ground-floor bedroom egress window exists and meets size requirements — window visible but dimensions not confirmed.",
"No active roof leaks or interior water intrusion present based on ceiling/photos; roof is aged but not visibly failed.",
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"criteria": [
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"label": "Condition & Repairs",
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"rationale": "Interior shows generally intact surfaces but dated finishes and moderate deferred cosmetic work: stained/soiled carpeting in main level rooms, older kitchen cabinets and vinyl flooring, visible wear on trim and finishes. Appliances shown (range, dishwasher) appear present and functional; refrigerator not shown. No visible large-scale water damage, collapsed surfaces, or exposed subfloor. Overall repairs are mostly cosmetic and medium-scope (carpet replacement, paint, cabinet refresh, minor trim work, clean-up)."
},
{
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"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Photos do not show smoke detectors or CO alarms — absence in photos reduces score because detectors are a common NSPIRE failure. Kitchen outlets/plates visible but no obvious GFCI near sink (older home likely without GFCI); recommend verifying and installing if missing. Entry door appears secure but exact deadbolt presence and lock condition not clearly visible. Basement/daylight bedroom has a window (listing says bedroom) but egress size not verifiable from photos — potential egress risk. No obvious exposed wiring, major ceiling stains, or loose/failed guardrails visible. Because several required safety items are not visible, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major Systems / Mechanical",
"score": 68.0,
"rationale": "Listing states central heat/air and gas hot water tank; photos show floor registers and central air return indicating HVAC presence. Stove and dishwasher present. Roof shows aged shingles and staining but no visible sagging or active leaks in interior photos. Electrical panel and water heater condition not pictured so assumed functional but aged. Overall systems appear present and likely operable but age and lack of visible servicing records create moderate risk and a recommendation for mechanical service verification prior to inspection."
},
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"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior presents well-maintained landscaping, intact siding, gutters in place, fenced yard and functioning driveway/garage. Retaining wall and garage approach show staining and surface wear but no clear structural failure. Roof appears aged (shingle discoloration) but no visible sagging. Walkway and front steps are serviceable; there is no visible major trip hazard. Overall exterior is in good, rentable condition aside from normal wear."
}
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"red_flags": [
"No visible smoke detectors or CO alarms in interior photos — NSPIRE failure risk if absent.",
"No visible GFCI-protected receptacles in kitchen area — likely required and must be verified/installed.",
"Potential inadequate/unknown egress for the lower-level (daylight basement) bedroom — must verify window size and path per code.",
"Secondary gas heater in garage area adjacent to living spaces — verify proper venting, clearance, and separation to prevent carbon monoxide or fire hazards."
],
"confidence": 0.7,
"assumptions": [
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"No smoke detectors or CO alarms are assumed present because none are visible in the interior photos; one or more may exist but were not shown.",
"Basement/daylight bedroom is assumed to be used as a bedroom per listing; window exists but egress compliance (size, operational exit) is unknown and assumed plausible unless measured noncompliant.",
"Electrical panel and service appear intact but were not photographed; assumed functional unless inspection finds otherwise.",
"No visible active roof leaks or interior ceiling stains were observed in photos; roof is assumed aged but not failed.",
"Refrigerator is not shown in photos; assume either not included or present but not photographed — lack of visible fridge reduces condition score moderately."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE_v1_photo_assessment_2026-02"
},
{
"summary": "This 2BR/1.5BA single-family house is generally rentable with modest cosmetic and code-related fixes. Major systems are reported present (central HVAC, gas water heater) and there are no visible structural failures or active leaks. Primary inspection risks are missing/not-visible smoke and CO detectors, likely missing GFCI protection in kitchen/bath, stained/worn carpeting, and some exterior drainage/retaining wall staining that should be evaluated. With installation of required detectors, verification/installation of GFCIs, carpet/finish work and a quick systems checkout, the property is likely to pass a Housing Choice Voucher (NSPIRE) initial inspection within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior shows overall sound structure with intact ceilings, functioning doors and cabinetry, and included stove/dishwasher. Visible deferred items are stained/worn carpeting throughout, older kitchen finishes and cabinetry, scuffed trim, and cosmetic wear to the exterior retaining wall and driveway. No collapsed ceilings, exposed subfloor or obvious major water damage visible. Missing/minor appliance replacements or carpet replacement expected prior to move-in."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Multiple NSPIRE safety items are unknown or not visible: no smoke detectors or carbon monoxide alarms are visible in interior photos (likely required), GFCI protection in kitchen/bathrooms is not evident, and outlet covers appear present but GFCI type is uncertain. Front steps show only a short handrail at the stoop and may not meet required guard/handrail heights for the approach (photo shows small steps). Basement bedroom is described as daylight basement with a window (likely egress) but actual window size and compliance cannot be confirmed from photos. No exposed wiring or obvious electrical hazards visible, and ceilings/floors appear intact. Because missing detectors and probable missing GFCI are common inspection fails, these reduce the score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 70.0,
"rationale": "Listing states central heat/air and gas hot water tank; photos show central vents and HVAC supply registers. Stove and dishwasher are present. Roof appears aged but no visible active sagging or obvious leaks in photos; a roof turbine vent is present. Electrical panel and water heater location/condition are not shown. Given seller's statement of maintained systems and visible HVAC registers, systems are likely functional but age and missing documentation create some risk that would require normal pre-rental service checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 75.0,
"rationale": "Exterior appears maintained: siding intact, landscaped yard, fenced backyard, screen porch and storage building. Concrete block retaining wall and driveway show staining and surface wear that may indicate drainage patterns toward the lower garage; driveway slopes to the garage which could create water intrusion risk into lower level if drainage not addressed. Garage door present. No visible major foundation cracks or structural sagging from exterior photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm(s) in interior photos — common automatic inspection fail.",
"No visible GFCI outlets in kitchen (and likely bathrooms) — potential NSPIRE electrical fail.",
"Possible non-compliant front approach/handrail condition on entry steps (handrail appears minimal/insufficient).",
"Driveway slopes toward lower garage and retaining wall shows staining — potential drainage/water intrusion risk to lower level."
],
"confidence": 0.7,
"assumptions": [
"Central heat/air and gas hot water tank are operational as stated in the listing; no active HVAC failure observed in photos.",
"Daylight basement bedroom has an egress window large enough to meet code (listing indicates 'bedroom with window' but window dimensions not provided).",
"Electrical panel exists and is intact but was not photographed; no visible exposed wiring in amenities photos.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed absent or not properly located unless provided by seller prior to inspection.",
"GFCI protection in the kitchen and bathroom(s) is not visible and is therefore assumed to be missing or non-compliant until verified.",
"No active roof leaks or interior water stains were observed in photos; roof is aged but not showing catastrophic failure.",
"Rental history is missing (no events in last 5 years) and therefore excluded from the overall score calculation."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1704 Hatchet Ave, Tarrant, AL, 35217",
"aggregate": {
"summary": "Overall the home is in generally good, rentable condition with mostly cosmetic and age-related repairs needed. Primary inspection risks are missing/undocumented smoke detectors, probable lack of GFCI protection in kitchen, and missing handrail at front entry which could cause an initial NSPIRE fail. Major systems are reported present (central HVAC, gas hot water) but should be verified. Estimated time to pass an initial HCV/NSPIRE inspection: 2–6 weeks if smoke detectors, GFCI (if required), and handrail issues are corrected and carpets cleaned/replaced.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 71.7,
"rationale": "House appears structurally intact with no visible major damage. Interior shows dated finishes, stained/soiled carpeting throughout main level, older kitchen cabinets and trim, and some cosmetic wear to paint and trim. Appliances (range, dishwasher) are present which reduces repair burden. These are mostly cosmetic and capital repairs (carpet replacement/cleaning, paint, minor cabinet refinish or replacement). No evidence of exposed subfloor or collapsed surfaces in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 77.7,
"rationale": "Exterior photos show vinyl siding in good condition, an intact driveway and garage door, and a landscaped yard with fenced rear yard and storage building. Retaining wall along driveway shows staining (runoff) but no collapse. Roof appears aged but even. Steps to the front porch have a small rise and no handrail; walkway is intact. Overall neat curb appeal and limited deferred maintenance outside."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 56.7,
"rationale": "Several NSPIRE safety items are either not visible or borderline: no smoke detectors are visible in any interior photo (inspector will require working smoke detectors in required locations), GFCI outlets in kitchen/bath are not evident, and the front entry steps to the porch appear to lack a handrail (potential fail depending on local rise/run thresholds). Entry door shows a knob and a second lock that appears to be a deadbolt but cannot be confirmed. No exposed wiring or obvious water intrusion or mold is visible. Basement bedroom has a window but egress adequacy cannot be fully confirmed from photos. These are moderate-risk items: missing detectors and handrail are inspection failures until fixed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 67.7,
"rationale": "Listing states central heat/air and gas hot water; photos show floor/ceiling vents and a central thermostat area. HVAC and water heater are not visually inspected; assumed present and functional (per listing). Roof shingles look aged and stained but no sagging or obvious leak staining inside. Electrical panel not photographed; visible outlets and cover plates present. Laundry area and garage indicated in listing. Systems show moderate age-related risk (roof likely near mid-life/older) but no visible catastrophic failures. Recommend HVAC service snapshot and water heater inspection prior to lease."
}
],
"red_flags": [
"No visible smoke detectors in interior photos — likely inspection fail until corrected.",
"Front entry steps lack a handrail/guard where one may be required.",
"Property built 1957 — potential lead-based paint risk (pre-1978) that requires proper disclosure and remediation where applicable.",
"Aged roof with staining/algae — near-term replacement likely; inspector may require roof repair if active leaks found.",
"No visible GFCI outlets in kitchen area — may require upgrade for compliance.",
"Secondary gas heater in garage mentioned in listing — potential combustion/venting hazard if not properly installed/vented (requires verification)."
],
"confidence": 0.95,
"assumptions": [
"Central HVAC and gas hot water are operational as stated in listing but were not tested in photos.",
"No smoke detectors were visible in the provided interior photos; assume none or not in required locations until verified.",
"Electrical panel is intact and grounded but not photographed; assume no visible exposed wiring based on photos.",
"Basement/ground-floor bedroom egress window exists and meets size requirements — window visible but dimensions not confirmed.",
"No active roof leaks or interior water intrusion present based on ceiling/photos; roof is aged but not visibly failed.",
"Appliances shown (range, dishwasher) are included and functional unless disclosed otherwise."
],
"score_method": "mean_of_criteria",
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8071389311"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.