Property ID: 8103327505

162 Smith Ln, Grand Isle, LA, 70358

Grand Isle, LA

For Sale Mar 27, 2026 03:08 AM UTC Realtor Street View Rent Zestimate
Money Down: $42,000 CoC Return: -0.46% Monthly Cash Flow: $-16
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,000
Closing Costs
$7,000
Total Down
$42,000
Primary property image

Investment Snapshot

Purchase Price
$175,000
Money Down
$42,000
Cash-on-Cash Return
-0.46%
Rent
$1,222
Monthly Cash Flow
$-16
Annual Cash Flow
$-194
Debt Service / Mo
$931
Property Tax / Mo
$117
Insurance / Mo
$67

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,222
Payment Standard
$1,552
Rent
$1,222
Insurance
$67
Property Tax
$117
Management
$122
Utilities Allowance
$330
NOI (Monthly)
$915
Debt Service
$931
Cash Flow After Debt
$-16

Quality Score: 68.10%

Confidence: 89.00%

Overall the property presents as a mostly serviceable coastal 2-bed/2-bath home with recent updates and functioning kitchen appliances. Visible condition is good-to-fair with mostly cosmetic repairs needed. The main inspection risks are absent/undocumented smoke and CO detectors, use of window A/C units (no confirmed central heating), and some exterior wiring/window-unit cord concerns. Exterior tree limbs overhang the roof and deck area and should be trimmed. With verification/installation of required detectors, confirmation of safe electrical hookups/GFCI locations, and minor cosmetic repairs, the home is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If electrical or mechanical deficiencies are found (water heater, wiring, inadequate heat), additional work will be required.

Section 8 Payment Standard
$1,552
Utility Allowance Total
$330
Guaranteed Section 8 Rent (PS - Utilities)
$1,222
Property Management
$122

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$175,000
Beds
2
Baths
2
Living Area
865 sqft
Lot Size
6,534 sqft
Year Built
1962
Days on Market
47
Capital Outlay
$42,000
Debt Service
$931
Property Tax / Mo
$117
Insurance / Mo
$67

Property Description

This 2 bed / 2 bath inland home is nestled in mature oak trees. Private back porch overlooking lush backyard to include beautiful palm trees, banana trees and 100+ year old Oaks. One block to the Gulf. Updated/renovated in 2021.

Utility Allowances

cooking
$33
The cooking fuel type was not specified. Following the rule to choose the most expensive option when unclear, Propane was selected for a 2-bedroom unit.
heating
$122
Property details specify 'Heating Features: Electric, Space Heater'. The 'Electric' option was selected from the schedule for a 2-bedroom unit.
other_electric
$57
This is a fixed allowance for a 2-bedroom unit, covering general electricity for lights, cooling via window units, and tenant-owned appliances.
sewer
$0
Property details state 'Sewer: Septic Tank'. Therefore, the allowance for public sewer service is $0.
trash_collection
$25
This is a fixed allowance for a 2-bedroom unit. Trash collection is a standard utility for single-family homes and is assumed to be the tenant's responsibility.
water
$36
Property details state 'Water Source: Public'. This is the fixed allowance for a 2-bedroom unit.
water_heating
$57
The water heating fuel type was not specified. Following the rule to choose the most expensive option when unclear, Propane was selected for a 2-bedroom unit.

Source References

Utility Allowance Source
Effective Date: Jan 01, 2026
No utility allowance source links available.

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$809
DP3 Annual Estimate$809
DP1 Monthly Equivalent$67
DP3 Monthly Equivalent$67
Replacement Value$300,000
Basis865 sqft / 1962

Nearby Houses

Nearby house 1
Photo unavailable

176 Smith Ln

for_sale · 0.01 mi
Price: $160,000
2 bd / 1 ba · 800 sqft
Latest sale: — on Feb 27, 2012
Latest rent: —
Nearby house 2
Photo unavailable

176 Holly Grove Dr

for_sale · 0.08 mi
Price: $225,000
4 bd / 3 ba · 1,152 sqft
Latest sale: —
Latest rent: —
Nearby house 3
Photo unavailable

176 Holly Grove Dr

off_market · 0.08 mi
Price: $225,000
4 bd / 4 ba · 1,240 sqft
Latest sale: —
Latest rent: —
Nearby house 4
Photo unavailable

Oak Ave Lot 4

for_sale · 0.09 mi
Price: $59,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

108 Wolfpack Ln

for_sale · 0.11 mi
Price: $330,000
3 bd / 2 ba · 1,245 sqft
Latest sale: —
Latest rent: —
Nearby house 6
Photo unavailable

227 Oak St Lot 10

for_sale · 0.11 mi
Price: $175,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 7
Photo unavailable

Elm Lot 5

for_sale · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 8
Photo unavailable

Elm Lot 7

for_sale · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 9
Photo unavailable

Elm Lot 9

for_sale · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 10
Photo unavailable

Elm Lot 8

for_sale · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 11
Photo unavailable

Elm Lot 6

for_sale · 0.12 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 12
Photo unavailable

Elm O Sq Lots 2 & 3

for_sale · 0.15 mi
Price: $90,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 13
Photo unavailable

Elm Lot 6

for_sale · 0.15 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 14
Photo unavailable

Elm Lot 5

for_sale · 0.15 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 15
Photo unavailable

215 Louisiana Ave

off_market · 0.15 mi
Price: $799,000
7 bd / 3 ba · 3,477 sqft
Latest sale: — on Jul 22, 2022
Latest rent: —
Nearby house 16
Photo unavailable

Elm Lot 7

for_sale · 0.15 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 17
Photo unavailable

Elm Lot 12

for_sale · 0.16 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Nearby house 18
Photo unavailable

Elm Lot 10

for_sale · 0.16 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —

Properties Used for Comps

No comp properties were returned in this payload.

Risk and Criteria Detail

Red Flags

  • success
  • Electrical hazards — visible exterior wiring and multiple window-unit power/cording that could indicate non-permanent or unsafe connections.
  • Missing/undocumented smoke detectors and carbon monoxide alarms (no detectors visible in photos).
  • Large overhanging tree limbs near roof and deck (risk of storm damage).

Assumptions

  • Listing renovation in 2021 is accurate and interior finish work was completed at that time.
  • Kitchen appliances shown (range, refrigerator) are operable but have not been tested; missing appliances are not a major issue.
  • Window A/C units provide cooling; no photo-evidence of a central HVAC or forced-air furnace was found.
  • Water heater and plumbing are present and functioning though not pictured; no active leaks visible in images.
  • Electrical service meter and exterior panel are intact; any exposed wiring noted along siding is assumed low-voltage or weatherproofed unless otherwise discovered during inspection.
  • Smoke detectors and carbon monoxide alarms are not visible in provided photos and should be considered absent until verified.
  • Stairs and deck structure visually appear stable; no hidden structural sagging is evident from photos.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2025 $1,365 $96,800 $9,680
2024 $1,265 $96,800 $9,680
2023 $1,137 $80,700 $8,070
2022 $1,137 $80,700 $8,070
2021 $657 $47,700 $4,770
2020 $755 $55,600 $5,560
2019 $765 $55,600 $5,560
2018 $712 $55,600 $5,560
2017 $712 $55,600 $5,560
2016 $714 $55,600 $5,560
2015 $690 $55,600 $5,560
2014 $687 $55,600 $5,560
2013 $687 $55,600 $5,560
2012 $687 $55,600 $5,560
2011 $693 $55,500 $5,550
2010 $501 $50,000 $5,000
2009 $672 $55,500 $5,550
2008 $550 $5,550

Sale History

DateEventPrice
2026-02-20 Listed $175,000
2020-11-13 Sold $0
2020-07-12 Listing removed $0
2020-06-01 Price Changed $100,000
2019-02-26 Relisted $109,000
2019-02-22 Listing removed $0
2019-02-16 Price Changed $109,000
2018-08-30 Price Changed $119,000
2018-04-01 Relisted $129,000
2017-07-12 Listing removed $129,000
2001-10-01 Sold $0

Photo Gallery

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            "tax": 693,
            "year": 2011,
            "market": {
              "land": 39400,
              "total": 55500,
              "building": 16100
            },
            "assessment": {
              "land": 3940,
              "total": 5550,
              "building": 1610
            }
          },
          {
            "tax": 501,
            "year": 2010,
            "market": {
              "land": 35500,
              "total": 50000,
              "building": 14500
            },
            "assessment": {
              "land": 3550,
              "total": 5000,
              "building": 1450
            }
          },
          {
            "tax": 672,
            "year": 2009,
            "market": {
              "land": 39400,
              "total": 55500,
              "building": 16100
            },
            "assessment": {
              "land": 3940,
              "total": 5550,
              "building": 1610
            }
          },
          {
            "tax": 550,
            "year": 2008,
            "market": null,
            "assessment": {
              "land": null,
              "total": 5550,
              "building": null
            }
          }
        ],
        "property_history": [
          {
            "date": "2026-02-20",
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              "status": "for_sale",
              "list_date": "2026-02-20T23:03:27Z",
              "list_price": 175000,
              "listing_id": "2991768155",
              "last_update_date": "2026-02-23T19:52:35Z",
              "last_status_change_date": "2026-02-20T23:03:27Z"
            },
            "event_name": "Listed",
            "price_sqft": 202.3121387283237,
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            "days_after_listed": null,
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            "date": "2020-11-13",
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            "source_name": "Public Record",
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            "days_after_listed": null,
            "source_listing_id": null,
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          {
            "date": "2020-07-12",
            "price": 0,
            "listing": {
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              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "BayouLA",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2020-06-01",
            "price": 100000,
            "listing": {
              "status": "off_market",
              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 33.60215053763441,
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            "price_change": -9000,
            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2019-02-26",
            "price": 109000,
            "listing": {
              "status": "off_market",
              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Relisted",
            "price_sqft": null,
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            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2019-02-22",
            "price": 0,
            "listing": {
              "status": "off_market",
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              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "BayouLA",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "126116",
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          },
          {
            "date": "2019-02-16",
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            "listing": {
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              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Price Changed",
            "price_sqft": null,
            "source_name": "BayouLA",
            "price_change": -10000,
            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2018-08-30",
            "price": 119000,
            "listing": {
              "status": "off_market",
              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Price Changed",
            "price_sqft": 39.986559139784944,
            "source_name": "BayouLA",
            "price_change": -10000,
            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2018-04-01",
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            "listing": {
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              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Relisted",
            "price_sqft": 43.346774193548384,
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            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2017-07-12",
            "price": 129000,
            "listing": {
              "status": "off_market",
              "list_date": "2017-11-20T02:51:27Z",
              "list_price": 100000,
              "listing_id": "623222659",
              "last_update_date": "2020-06-01T15:46:08Z",
              "last_status_change_date": "2020-07-12T04:29:11Z"
            },
            "event_name": "Listing removed",
            "price_sqft": 43.346774193548384,
            "source_name": "BayouLA",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "126116",
            "price_change_percentage": null
          },
          {
            "date": "2001-10-01",
            "price": 0,
            "listing": null,
            "event_name": "Sold",
            "price_sqft": null,
            "source_name": "Public Record",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": null,
            "price_change_percentage": null
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        ],
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    },
    "rmn_listing_attribution": false
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  "property_id": "8103327505",
  "generated_at": "2026-03-27T03:08:38.606152Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "reason": "success",
    "eligible": true,
    "min_score": 10.0,
    "overall_score": 68.1
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  "utility_allowance": {
    "zip_code": "70358",
    "home_photo": "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m1166135000s-w1280.jpg",
    "rent_price": 1222.0,
    "loan_amount": 140000.0,
    "realtor_link": "https://www.realtor.com/realestateandhomes-detail/162-Smith-Ln_Grand-Isle_LA_70358_M81033-27505",
    "bedroom_count": 2,
    "interest_rate": 0.07,
    "purchase_price": 175000.0,
    "loan_term_years": 30,
    "annual_cash_flow": 10982.65,
    "mortgage_monthly": 931.42,
    "payment_standard": 1552.0,
    "total_amount_out": 35000.0,
    "additional_photos": [
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      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m4183944254s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m2066314723s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m304379192s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m1817272177s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m1301501556s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m2586912758s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m889014268s-w1280.jpg",
      "https://ap.rdcpix.com/a356b11064048e2f01c1b804e45f8a96l-m934765321s-w1280.jpg"
    ],
    "down_payment_rate": 0.2,
    "insurance_monthly": 67.42,
    "monthly_cash_flow": 915.22,
    "property_tax_rate": null,
    "_utility_allowance": {
      "sources": [],
      "effective_date": "2026-01-01"
    },
    "utility_allowances": [
      {
        "note": "The cooking fuel type was not specified. Following the rule to choose the most expensive option when unclear, Propane was selected for a 2-bedroom unit.",
        "utility": "cooking",
        "allowance": 33
      },
      {
        "note": "Property details specify 'Heating Features: Electric, Space Heater'. The 'Electric' option was selected from the schedule for a 2-bedroom unit.",
        "utility": "heating",
        "allowance": 122
      },
      {
        "note": "This is a fixed allowance for a 2-bedroom unit, covering general electricity for lights, cooling via window units, and tenant-owned appliances.",
        "utility": "other_electric",
        "allowance": 57
      },
      {
        "note": "Property details state 'Sewer: Septic Tank'. Therefore, the allowance for public sewer service is $0.",
        "utility": "sewer",
        "allowance": 0
      },
      {
        "note": "This is a fixed allowance for a 2-bedroom unit. Trash collection is a standard utility for single-family homes and is assumed to be the tenant's responsibility.",
        "utility": "trash_collection",
        "allowance": 25
      },
      {
        "note": "Property details state 'Water Source: Public'. This is the fixed allowance for a 2-bedroom unit.",
        "utility": "water",
        "allowance": 36
      },
      {
        "note": "The water heating fuel type was not specified. Following the rule to choose the most expensive option when unclear, Propane was selected for a 2-bedroom unit.",
        "utility": "water_heating",
        "allowance": 57
      }
    ],
    "cash_on_cash_return": 0.31,
    "down_payment_amount": 35000.0,
    "property_tax_annual": 1405.95,
    "property_tax_monthly": 117.16,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 330.0,
    "property_management_rate": 0.1,
    "_fetched_payment_standard": {
      "sources": [
        "https://jphsdd.org/2025/01/17/payment-standards-update/",
        "https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
      ],
      "effective_date": "2025-01-01"
    },
    "property_tax_history_year": 2025,
    "annual_cash_flow_after_debt": -194.43,
    "property_management_monthly": 122.2,
    "monthly_cash_flow_after_debt": -16.2,
    "cash_on_cash_return_after_debt": -0.01
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall the property presents as a mostly serviceable coastal 2-bed/2-bath home with recent updates and functioning kitchen appliances. Visible condition is good-to-fair with mostly cosmetic repairs needed. The main inspection risks are absent/undocumented smoke and CO detectors, use of window A/C units (no confirmed central heating), and some exterior wiring/window-unit cord concerns. Exterior tree limbs overhang the roof and deck area and should be trimmed. With verification/installation of required detectors, confirmation of safe electrical hookups/GFCI locations, and minor cosmetic repairs, the home is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If electrical or mechanical deficiencies are found (water heater, wiring, inadequate heat), additional work will be required.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior and exterior photos show a generally clean, recently renovated appearance (listing states 2021). Tile floors, cabinets, and finishes appear serviceable; kitchen has range and refrigerator present. Observable issues are limited to minor cosmetic wear: vertical wall panel gaps/warping in places, aged ceiling tiles, scuffs at door bottoms, and some exterior paint/weathering. Porch and deck surfaces appear painted and functional. Missing appliance(s) are not evident; those present look usable. Overall condition indicates only minor repairs and cosmetic touch-ups required."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 60.0,
            "rationale": "Visible life-safety items are inconclusive from photos: no smoke detectors or CO alarms are visible in interior pictures (required). Windows in bedrooms appear adequate for egress. Entry/exit doors look intact but deadbolt presence not confirmed. There is exterior wiring and multiple window A/C units (power/cord routing not fully visible) — potential electrical hazards if non-permanent cords or exterior splices are present. Handrails are present on the visible stair; guardrail on upstairs deck appears intact. No visible major water intrusion, active roof collapse, or severe mold in photos. Because essential life-safety detectors and GFCI presence cannot be confirmed, there is moderate inspection risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (Roof / HVAC / Electrical / Plumbing)",
            "score": 55.0,
            "rationale": "Roof appears to be metal/standing-seam or corrugated and in serviceable condition from the photos (no obvious large failures). Heating/cooling appears to be provided by window A/C units (several visible) rather than a central HVAC system — functional for cooling, but may be insufficient for heating depending on unit capability and PHA rules. Electrical meter and service are visible and appear intact, but visible external wiring and possible window-unit cording raise a medium electrical-compliance concern. Water heater and plumbing equipment are not shown; plumbing fixtures seen (kitchen sink) appear intact. Because critical mechanical systems (water heater, central HVAC, electrical panel internals, GFCI) are unverified, assign moderate risk."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior envelope (siding, foundation piers for elevated/coastal build) looks stable; no large foundation displacement observed. Yard is maintained and generally clear; mature oaks and palms provide privacy but large overhanging oak limbs are close to the roof/deck and represent elevated storm/limb risk. Deck supports and under-house clearance appear intact. Some vegetation (dead palm fronds) adjacent to structure should be cleared. Driveway/walkway surfaces appear acceptable; no obvious standing water shown in images but property is coastal and low elevation may impact drainage (not visible)."
          }
        ],
        "red_flags": [
          "Electrical hazards — visible exterior wiring and multiple window-unit power/cording that could indicate non-permanent or unsafe connections.",
          "Missing/undocumented smoke detectors and carbon monoxide alarms (no detectors visible in photos).",
          "Large overhanging tree limbs near roof and deck (risk of storm damage)."
        ],
        "confidence": 0.65,
        "assumptions": [
          "Listing renovation in 2021 is accurate and interior finish work was completed at that time.",
          "Kitchen appliances shown (range, refrigerator) are operable but have not been tested; missing appliances are not a major issue.",
          "Window A/C units provide cooling; no photo-evidence of a central HVAC or forced-air furnace was found.",
          "Water heater and plumbing are present and functioning though not pictured; no active leaks visible in images.",
          "Electrical service meter and exterior panel are intact; any exposed wiring noted along siding is assumed low-voltage or weatherproofed unless otherwise discovered during inspection.",
          "Smoke detectors and carbon monoxide alarms are not visible in provided photos and should be considered absent until verified.",
          "Stairs and deck structure visually appear stable; no hidden structural sagging is evident from photos."
        ],
        "overall_score": 65.0,
        "rubric_version": "2026-03-NSPIRE-v1"
      },
      {
        "summary": "Overall the property appears in good, mostly turnkey condition after a 2021 renovation. Visible interior finishes, appliances, and exterior envelope are acceptable for tenancy with mostly minor repairs. Primary inspection risks are: absence/visibility of smoke/CO detectors, uncertain presence of a compliant heating system, potential need for GFCI protection in kitchen/bath, and some unsecured exterior wiring/lighting. With targeted fixes (install detectors, verify/repair electrical/GFCI, confirm heating/water heater operation, minor paint/guardrail checks) this home is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 80.0,
            "rationale": "Interior appears recently renovated (2021) with clean tile floors, intact cabinetry and functioning kitchen appliances visible (stove, refrigerator). Cosmetic wear is minor: paint touch-ups, some panel gaps on interior trim, and exterior paint touch-up under deck. Deck and porch surfaces appear serviceable but would benefit from sanding/paint. No major visible water stains or collapsed finishes. Missing items that typically affect move-in (smoke/CO detectors, GFCI outlets) are not visible in photos but are assumed remediable."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Compliance Risk",
            "score": 65.0,
            "rationale": "No smoke or carbon monoxide detectors are visible in interior photos (likely required). Bedrooms appear to have egress windows. Exterior stairs and deck have guardrails; handrail present on shown stairs. Visible window A/C units provide cooling but no clear evidence of a dedicated heating system. Exterior electrical conduit and overhead service are present and appear intact, but there are unsecured string lights and exposed cables near the deck which could be an electrical hazard if not properly fastened. Kitchen outlets and near-sink protection (GFCI) are not visible; likely need verification or upgrade. No obvious active leaks, mold staining, collapsed ceilings, or major trip hazards seen."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (Roof, HVAC, Electrical, Plumbing)",
            "score": 60.0,
            "rationale": "Roof and exterior siding appear intact in photos with no visible major failure, and exterior shows an electrical meter and service. Heating system is not visible; cooling appears to be window units in bedrooms/living areas. Water heater and HVAC mechanicals were not shown. Plumbing fixtures (kitchen sink) appear functional in photos; hot water availability not confirmed. Because mechanicals are not documented in images, assume average condition but flag for inspection (water heater, electrical panel, GFCI protection, and heating)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Yard is maintained with healthy grass and mature trees; fence present. Elevated coastal-style foundation on posts appears generally straight and deck supports look serviceable in photos. Some minor siding wear and paint touch-up needs at grade and near doors. No standing water, glaring foundation cracks, or obvious pest infestation visible. Proximity to Gulf (one block) raises flood/environmental exposure but does not automatically fail inspection; flood resilience and tie-downs should be verified separately."
          }
        ],
        "red_flags": [
          "no_visible_smoke_or_carbon_monoxide_detectors_in_photos (required for NSPIRE compliance)",
          "no_visible_central_heating_system (only window A/C units observed) — verify adequate heating",
          "potential_electrical_issue: unsecured exterior wiring and decorative string lights near deck — possible electrical hazard",
          "uncertain_gfci_protection_in_kitchen_and_bath (not visible) — likely required upgrade"
        ],
        "confidence": 0.7,
        "assumptions": [
          "Photos represent current condition and are recent; no hidden water damage or mold beyond what is visible.",
          "A water heater is present and functioning though not photographed.",
          "Electrical panel and service are code-compliant and functioning; no major hidden electrical hazards unless discovered on inspection.",
          "Window A/C units provide cooling; no central forced-air HVAC is visible and no confirmed dedicated heating system is shown.",
          "Deck and elevated foundation connections are structurally sound beyond what is visible; no significant foundation settlement is present.",
          "Smoke and CO detectors are not present or not visible in photos and will need verification/installation.",
          "Kitchen outlets near sink are likely not GFCI-protected unless specifically upgraded; GFCI installation may be required."
        ],
        "overall_score": 70.0,
        "rubric_version": "nsPIRE-v1.0-2026"
      },
      {
        "summary": "This 2-bed, 2-bath house appears generally well maintained and was reportedly renovated in 2021. Interior finishes and appliances are present and the exterior envelope looks sound. Primary NSPIRE concerns are missing/undocumented life-safety devices (smoke/CO alarms), lack of a visible central heating system (window A/C units shown), and undocumented electrical safety features (GFCI, service panel). With focused work to install/verify smoke & CO alarms, confirm heating/hot water, verify GFCI protection, and perform minor exterior/deck touch-ups, the property is likely to pass an initial HCV inspection within 2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Photos show a generally well-maintained interior and updated finishes (tile floors, painted paneling, renovated kitchen from 2021). Appliances (stove, refrigerator) are present. Minor cosmetic issues visible: some exterior/deck paint wear, small vertical wall panel gaps/cracks in living areas, ceiling tiles in one room that look aged. No obvious collapsed surfaces or exposed subfloor. Overall appears move-inable with mostly cosmetic and paint/deck touch-ups."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 62.0,
            "rationale": "No smoke detectors or carbon monoxide alarms are visible in the interior photos (inspector will require proper placement). Windows in bedrooms appear to be full-size and likely provide egress, but exact size/operation not verified. Entry looks secure with exterior doors and deadbolt not shown in photos. No obvious exposed live wiring or open junctions in shown images; exterior conduit and meter appear intact. Porch/balcony railings are present but paint wear and baluster spacing/height cannot be confirmed from photos. No visible active roof leaks, standing water, collapsed ceilings or severe mold. GFCI presence at kitchen/bath not verified. Because detectors and GFCI aren’t visible, there is a moderate NSPIRE risk."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 60.0,
            "rationale": "Roof and exterior envelope appear intact in photos (metal roof visible) with no obvious sagging. HVAC appears to be window units (multiple window A/C units visible) — no central heating/forced air system is shown; presence/condition of heating or hot water heater not documented. Electrical meter and service conduit are visible and appear intact but electrical panel and labeling not shown. Plumbing fixtures and kitchen appliances appear present; hot water production not verified. Overall mechanical picture is serviceable but several key system items (heating source, water heater, panel/GFCI verification) are undocumented and need onsite verification."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 72.0,
            "rationale": "Yard is well-kept and fenced; mature oak trees and landscaping are well-managed. Exterior siding and foundation visually intact with no major foundation cracks observed from provided angles. Elevated deck/balcony and supporting posts appear stable in photos, though paint wear and minor rot risk at deck base should be checked. Walkways are informal (pavers/stepping stones) and some uneven ground/leaf litter exists but no standing water or drainage failure is evident. No signs of major infestation in photos."
          }
        ],
        "red_flags": [
          "No visible smoke detectors or carbon monoxide alarms in interior photos (life-safety requirement).",
          "No visible central heating system; only window A/C units pictured — heating source must be verified (NSPIRE major safety/health requirement).",
          "Deck/balcony paint wear and localized deterioration visible — railings and guard height/anchorage should be verified for safety compliance.",
          "Property constructed 1962: potential lead-based paint risk (pre-1978) unless lead-safe documentation provided."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Listing photos represent the current condition and there have been no recent material changes.",
          "Kitchen appliances shown (stove, refrigerator) are present and operable unless otherwise discovered at inspection.",
          "There is no visible evidence of active roof leaks or major structural movement in provided photos; roof is assumed serviceable but unverified from all sides.",
          "Window A/C units are the primary cooling; a separate central heating system was not visible and is assumed absent unless revealed at an on‑site inspection.",
          "No smoke detectors or CO alarms were visible in the photos; assume they are not installed or not in required locations until verified.",
          "Electrical service/connectors visible outside are assumed intact; the interior electrical panel, GFCI outlets, and wiring condition require on-site verification.",
          "Bedrooms have functional egress windows but exact sill height and clear opening size are not verified from photos.",
          "No severe mold, active leaks, collapsed ceilings or exposed subfloor were observed in provided images."
        ],
        "overall_score": 69.0,
        "rubric_version": "ns_pire_v1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "162 Smith Ln, Grand Isle, LA, 70358",
    "aggregate": {
      "summary": "Overall the property presents as a mostly serviceable coastal 2-bed/2-bath home with recent updates and functioning kitchen appliances. Visible condition is good-to-fair with mostly cosmetic repairs needed. The main inspection risks are absent/undocumented smoke and CO detectors, use of window A/C units (no confirmed central heating), and some exterior wiring/window-unit cord concerns. Exterior tree limbs overhang the roof and deck area and should be trimmed. With verification/installation of required detectors, confirmation of safe electrical hookups/GFCI locations, and minor cosmetic repairs, the home is likely to pass an initial HCV/NSPIRE inspection within ~2–4 weeks. If electrical or mechanical deficiencies are found (water heater, wiring, inadequate heat), additional work will be required.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 77.7,
          "rationale": "Interior and exterior photos show a generally clean, recently renovated appearance (listing states 2021). Tile floors, cabinets, and finishes appear serviceable; kitchen has range and refrigerator present. Observable issues are limited to minor cosmetic wear: vertical wall panel gaps/warping in places, aged ceiling tiles, scuffs at door bottoms, and some exterior paint/weathering. Porch and deck surfaces appear painted and functional. Missing appliance(s) are not evident; those present look usable. Overall condition indicates only minor repairs and cosmetic touch-ups required."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 72.3,
          "rationale": "Exterior envelope (siding, foundation piers for elevated/coastal build) looks stable; no large foundation displacement observed. Yard is maintained and generally clear; mature oaks and palms provide privacy but large overhanging oak limbs are close to the roof/deck and represent elevated storm/limb risk. Deck supports and under-house clearance appear intact. Some vegetation (dead palm fronds) adjacent to structure should be cleared. Driveway/walkway surfaces appear acceptable; no obvious standing water shown in images but property is coastal and low elevation may impact drainage (not visible)."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risk (NSPIRE)",
          "score": 62.3,
          "rationale": "Visible life-safety items are inconclusive from photos: no smoke detectors or CO alarms are visible in interior pictures (required). Windows in bedrooms appear adequate for egress. Entry/exit doors look intact but deadbolt presence not confirmed. There is exterior wiring and multiple window A/C units (power/cord routing not fully visible) — potential electrical hazards if non-permanent cords or exterior splices are present. Handrails are present on the visible stair; guardrail on upstairs deck appears intact. No visible major water intrusion, active roof collapse, or severe mold in photos. Because essential life-safety detectors and GFCI presence cannot be confirmed, there is moderate inspection risk."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (Roof / HVAC / Electrical / Plumbing)",
          "score": 58.3,
          "rationale": "Roof appears to be metal/standing-seam or corrugated and in serviceable condition from the photos (no obvious large failures). Heating/cooling appears to be provided by window A/C units (several visible) rather than a central HVAC system — functional for cooling, but may be insufficient for heating depending on unit capability and PHA rules. Electrical meter and service are visible and appear intact, but visible external wiring and possible window-unit cording raise a medium electrical-compliance concern. Water heater and plumbing equipment are not shown; plumbing fixtures seen (kitchen sink) appear intact. Because critical mechanical systems (water heater, central HVAC, electrical panel internals, GFCI) are unverified, assign moderate risk."
        }
      ],
      "red_flags": [
        "Electrical hazards — visible exterior wiring and multiple window-unit power/cording that could indicate non-permanent or unsafe connections.",
        "Missing/undocumented smoke detectors and carbon monoxide alarms (no detectors visible in photos).",
        "Large overhanging tree limbs near roof and deck (risk of storm damage)."
      ],
      "confidence": 0.89,
      "assumptions": [
        "Listing renovation in 2021 is accurate and interior finish work was completed at that time.",
        "Kitchen appliances shown (range, refrigerator) are operable but have not been tested; missing appliances are not a major issue.",
        "Window A/C units provide cooling; no photo-evidence of a central HVAC or forced-air furnace was found.",
        "Water heater and plumbing are present and functioning though not pictured; no active leaks visible in images.",
        "Electrical service meter and exterior panel are intact; any exposed wiring noted along siding is assumed low-voltage or weatherproofed unless otherwise discovered during inspection.",
        "Smoke detectors and carbon monoxide alarms are not visible in provided photos and should be considered absent until verified.",
        "Stairs and deck structure visually appear stable; no hidden structural sagging is evident from photos."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 68.1,
      "rubric_version": "2026-03-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8103327505"
  }
}

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