Property ID: 8195900846
401 Oak Ave, Harahan, LA, 70123
Harahan, LA
Money Down: $42,000
CoC Return: 19.82%
Monthly Cash Flow: $694
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$35,000
Closing Costs
$7,000
Total Down
$42,000
Investment Snapshot
Purchase Price
$175,000
Money Down
$42,000
Cash-on-Cash Return
19.82%
Rent
$2,002
Monthly Cash Flow
$694
Annual Cash Flow
$8,325
Debt Service / Mo
$931
Property Tax / Mo
$75
Insurance / Mo
$101
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$101
Property Tax
$75
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,625
Debt Service
$931
Cash Flow After Debt
$694
Quality Score: 70.40%
Confidence: 95.00%
Overall the property appears to be in good, mostly cosmetic condition with a new roof and functional exterior structures. It is likely to pass an initial Section 8 / NSPIRE inspection after completing a short punch list: install/verify smoke and CO alarms, install GFCI protection in kitchen/bath as required, replace missing outlet cover(s), replace or deep-clean stained carpeting and address visible wall stains. Major systems (water heater, electrical panel, HVAC operation, plumbing) were not shown; verify they are present and operational before inspection. With those quick fixes and system verification, the property is likely rent-ready within 2–30 days.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$175,000
Beds
4
Baths
1
Living Area
1,300 sqft
Lot Size
5,401 sqft
Year Built
1950
Days on Market
14
Capital Outlay
$42,000
Debt Service
$931
Property Tax / Mo
$75
Insurance / Mo
$101
Property Description
This charming older home is an incredible opportunity for first-time buyers or downsizers looking for a solid foundation and a fantastic location. Situated on a desirable corner lot, this structurally sound residence is in good condition and has been equipped with a new roof, giving you peace of mind from day one. Inside, the 3-bedroom, 1-bath layout is functional and features ample storage, and closet space. While the interior could benefit from a few cosmetic updates-allowing you to easily build equity and personalize the space-no major renovations are needed. The exterior is a hobbyist's dream, featuring extra parking, a garage for workspace and storage, and an extra-large custom-built shed that is multifunctional. great for storing boats large equipment. Ready for its next chapter, this Harahan property at 401 Oak Avenue is a must-see.
Utility Allowances
Cooking - Natural Gas
$14
Property has natural gas service and includes a Range/Oven.
Heating - Natural Gas
$79
Property has central heating and is supplied with natural gas.
Other Electric
$77
Standard allowance for lighting, appliances, and central cooling (A/C) in a single-family home.
Sewer
$54
Property information explicitly states connection to city sewer.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family home.
Water
$50
Property information explicitly states connection to a public water source.
Water Heating - Natural Gas
$27
Property has natural gas service, which is the most common fuel for water heating in such homes. The listing also mentions an energy-efficient water heater.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,216
DP3 Annual Estimate$1,216
DP1 Monthly Equivalent$101
DP3 Monthly Equivalent$101
Replacement Value$53,400
Basis1,300 sqft / 1950
Nearby Houses
Photo unavailable
405 Oak Ave
off_market · 0.01 mi
Price: $190,000
2 bd / 2 ba · 1,326 sqft
Latest sale: —
Latest rent: —
Photo unavailable
424 Oak Ave Apt A
off_market · 0.05 mi
Price: $1,250
2 bd / 1 ba · 825 sqft
Latest sale: —
Latest rent: —
Photo unavailable
342 Oak Ave
for_sale · 0.07 mi
Price: $205,000
2 bd / 1 ba · 1,209 sqft
Latest sale: —
Latest rent: —
Photo unavailable
452 West Ave
for_sale · 0.11 mi
Price: $199,900
2 bd / 1 ba · 740 sqft
Latest sale: —
Latest rent: —
Photo unavailable
362 West Ave
off_market · 0.15 mi
Price: $339,900
4 bd / 3 ba · 2,037 sqft
Latest sale: —
Latest rent: —
Photo unavailable
501 Oak Ave
off_market · 0.17 mi
Price: $1,550
2 bd / 2 ba
Latest sale: —
Latest rent: —
Photo unavailable
367 Carolyn Dr
for_sale · 0.17 mi
Price: $200,000
— 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
- No visible smoke detectors or carbon monoxide alarms in photos — potential inspection fail if absent.
- Possible water/stain marks on bedroom wall and carpet stains — suggests past spill or localized water intrusion to investigate for mold or leak.
- Missing electrical outlet cover (visible in kitchen area) — immediate minor safety hazard and potential fail if not corrected prior to inspection.
- No visible GFCI-protected outlet in kitchen photos — may require installation to meet code/inspection.
- Key systems (water heater, electrical panel, plumbing) not shown — unknown condition could reveal failure if nonfunctional.
Assumptions
- Listing statement about a new roof is accurate and roof condition is good based on photos.
- Central HVAC exists and is operational based on visible ceiling vents, but full operation has not been tested.
- Water heater and electrical panel are present and intact though not shown in photos.
- Bathroom(s) and hot water exist and function; they were not photographed but listing indicates 1 bath.
- Bedroom windows meet minimum egress dimensions typical for the market (not directly verifiable from photos).
- No active insect infestation or concealed mold beyond minor stains visible in photos.
- Refrigerator may not be included (not shown); missing appliances would be a moderate issue but not an automatic safety failure.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $877 | $111,500 | $11,150 |
| 2024 | $882 | $111,500 | $11,150 |
| 2023 | $795 | $96,800 | $9,680 |
| 2022 | $1,068 | $96,800 | $9,680 |
| 2021 | $1,000 | $96,800 | $9,680 |
| 2020 | $991 | $96,800 | $9,680 |
| 2019 | $1,009 | $96,800 | $9,680 |
| 2018 | $931 | $96,800 | $9,680 |
| 2017 | $854 | $96,800 | $9,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-25 | Listed | $175,000 |
| 2025-11-29 | Listing removed | $0 |
| 2025-10-12 | Price Changed | $190,000 |
| 2025-06-02 | Listed | $200,000 |
| 2017-02-22 | Sold | $0 |
| 2012-10-11 | Listing removed | $950 |
| 2012-07-10 | Price Changed for rent | $950 |
| 2012-06-14 | Listed for rent | $1,200 |
Photo Gallery
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"label": "Major systems and mechanical condition",
"score": 68.0,
"rationale": "New roof is reported in listing and photos show a recently shingled roof. Central HVAC duct/venting is visible in interior ceilings which indicates an installed system; operation not verified. Water heater, electrical panel, plumbing risers and sewer connections are not shown in photos and therefore unverified. Stove (gas or electric) is present. Because key system components are not visible, score reflects likely serviceable condition based on visible evidence (new roof, HVAC vents) but deducts for unknowns (water heater, electrical panel, plumbing function). These unknowns are higher-consequence but not evident as failed in photos."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 85.0,
"rationale": "Exterior photos show vinyl siding in good repair, level grade with crawlspace piers typical for the region, a functioning covered porch with railings, chain-link fencing, garage and large shed in serviceable condition, and paved street access. Yard and driveways appear maintained; no visible major foundation cracking, erosion or standing water. Overhead utility lines are present (typical) but not an immediate code safety failure. Overall exterior condition is good and low risk for an initial inspection."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — potential inspection fail if absent.",
"Possible water/stain marks on bedroom wall and carpet stains — suggests past spill or localized water intrusion to investigate for mold or leak.",
"Missing electrical outlet cover (visible in kitchen area) — immediate minor safety hazard and potential fail if not corrected prior to inspection.",
"No visible GFCI-protected outlet in kitchen photos — may require installation to meet code/inspection.",
"Key systems (water heater, electrical panel, plumbing) not shown — unknown condition could reveal failure if nonfunctional."
],
"confidence": 0.7,
"assumptions": [
"Listing statement about a new roof is accurate and roof condition is good based on photos.",
"Central HVAC exists and is operational based on visible ceiling vents, but full operation has not been tested.",
"Water heater and electrical panel are present and intact though not shown in photos.",
"Bathroom(s) and hot water exist and function; they were not photographed but listing indicates 1 bath.",
"Bedroom windows meet minimum egress dimensions typical for the market (not directly verifiable from photos).",
"No active insect infestation or concealed mold beyond minor stains visible in photos.",
"Refrigerator may not be included (not shown); missing appliances would be a moderate issue but not an automatic safety failure."
],
"overall_score": 71.0,
"rubric_version": "2026-03-hud-nspire-v1"
},
{
"summary": "This single-family property is close to Section 8 rent-ready. The exterior and major systems (new roof, visible HVAC vents, solid siding and site) look good. Primary issues are cosmetic (stained carpeting, scuffs, paint) and a few code-risk items that need verification or quick fixes before inspection: smoke and CO detectors, GFCI protection at kitchen, and confirmation of operable hot water and HVAC. Addressing detectors/GFCI and cleaning/replacing stained carpet and remediating any localized water damage should allow the unit to pass an initial HCV/NSPIRE inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 75.0,
"rationale": "Photos show a generally intact interior and exterior with mostly cosmetic issues: worn/stained blue carpeting in bedrooms, some wall stains/marks, and general need for cleaning/paint. Flooring in main living/kitchen appears intact (vinyl tile). Kitchen has a gas range present but no refrigerator shown (missing fridge is an easy-to-fix appliance item). Porch, steps and railings are present. No visible collapsed finishes or exposed subfloor. Overall repairs appear minor to moderate and mostly cosmetic (carpet replacement/cleaning, paint, light fixture/outlet cover touch-ups)."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No active life-threatening hazards visible (no collapsed ceilings, major structural sagging, or standing water). However required safety devices are not visible in photos: no smoke detectors or CO alarms are shown (could be present but unpictured) and no clear GFCI outlet in the kitchen is visible. Bedroom windows are present but egress size/clearance cannot be fully confirmed from images — they appear small but typical double-hung windows likely acceptable. Electrical covers are present in shown areas and no exposed wiring is evident. There are small water stains on a bedroom wall and carpet stains that warrant investigation for prior water intrusion. Because detectors/GFCI and egress cannot be confirmed, there is moderate inspection risk until verified/installed."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 70.0,
"rationale": "Listing states a new roof; photos corroborate a recently replaced roof. Ceiling HVAC vents are visible, indicating a central HVAC system and ducting; however system operational status is not verified by photos. Water heater and electrical panel are not shown. Kitchen has a gas range connected (appears present), plumbing fixtures not photographed. No visible roof leaks, sagging, or major plumbing failures. Overall mechanical risk is moderate: roof appears good, HVAC likely present, but electrical/plumbing/water heater condition unknown and should be verified."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior photos show well-maintained siding, a corner lot with clear access, a separate garage and large shed, extra parking, and a chain-link yard fence. Yard and walkways appear level with no visible standing water or erosion. House is elevated on piers with crawlspace visible — no obvious foundation cracking or major settlement seen. The detached garage/shed look serviceable. Overall exterior and site condition are good with low visible risk."
}
],
"red_flags": [
"No visible smoke detectors or carbon-monoxide alarms in photos — potential NSPIRE fail if absent or incorrectly located.",
"No visible GFCI-protected outlet at kitchen sink area in photos — potential safety/code issue.",
"Stains on bedroom carpet and wall suggest prior water intrusion; requires investigation for active leaks or mold.",
"Rental history missing for last 5 years (no recent rental verification)."
],
"confidence": 0.7,
"assumptions": [
"Listing statement 'new roof' is accurate and photos corroborate a recent roof replacement.",
"Central HVAC exists and vents shown indicate an installed system; operational status unknown and should be tested.",
"Smoke and carbon-monoxide detectors are not visible in photos; assume they may be missing or not located per NSPIRE until confirmed.",
"No major unseen structural defects (foundation movement, major roof leaks, or major mold) exist because exterior and interior finishes appear intact; however the small wall/carpeting stains could indicate past localized water intrusion that requires confirmation.",
"Kitchen has a working gas range (present in photos) but refrigerator not shown and may not be provided; missing fridge considered an easy-to-fix appliance item.",
"Electrical panel, water heater, and bathroom plumbing are present but unphotographed — their operability is assumed but must be verified during inspection."
],
"overall_score": 71.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "Overall the property appears largely turnkey with a new roof, intact exterior, central HVAC components visible, and a functional kitchen range. Primary deficiencies that could prevent an initial HCV/NSPIRE pass are an exposed electrical outlet (electrical hazard) and absence/visibility of required smoke and carbon monoxide detectors. Cosmetic issues (stained carpeting, scuffs, minor wall repairs) are moderate and easily remediable. With remediation of the electrical hazard, installation of required detectors, carpet replacement/cleaning and verification of HVAC/hot water operation, the property is likely to pass an initial Housing Choice Voucher inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears mostly intact with cosmetic wear. Vinyl/tile flooring in main area is serviceable; bedroom carpeting shows visible staining and soiling and should be replaced or professionally cleaned. Cabinets, counters and a gas range are present in the kitchen (range installed). Minor cosmetic wall marks and small scuffs visible. Porch, stairs and railings appear structurally sound from photos. No large-scale deferred maintenance visible; missing refrigerator not seen in photos but that is not a major inspection-fail item. Expect cleaning, carpet replacement, paint touch-ups and minor fixture repairs to be needed before tenancy."
},
{
"key": "safety_code",
"label": "Safety & NSPIRE Code Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items cannot be visually confirmed. Positive indicators: entry door has both knob and deadbolt; bedrooms show windows for egress; ceilings appear intact. Deficiencies: no smoke detectors or carbon monoxide detector are visible in photos (CO detector would be required with a gas range); at least one electrical outlet cover appears missing/exposed near floor in kitchen area (observed in listing photo) — electrical hazard and immediate repair item. GFCI outlet presence in kitchen/bath not verifiable from photos. Stains on bedroom carpet and wall could indicate prior water intrusion; no active leaks or standing water observed. These issues reduce code-compliance likelihood until corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Listing states a new roof (positive) and photos show recent-looking shingles. Ceiling supply/return vents and a return grille are visible suggesting central HVAC is installed; operation not verified but presence lowers risk. Gas range is present indicating gas service; plumbing fixtures (bath/sink) not clearly shown but listing indicates a functioning 1-bath. Electrical panel not shown; however visible outlets and service conduit on exterior appear typical. Water heater not visible. Given visible elements and no signs of active failure, systems appear to be in fair condition but would require operational verification (HVAC run test, hot water, electrical panel check) before inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show a well-kept corner lot, intact siding, fenced yard, a garage and a large shed. New roof per listing reduces roof risk. Walkways and entry steps look serviceable; porch railings present. Under-house crawlspace/open piers visible (typical for the area) — skirting absent but not a disqualifier. No visible collapsed elements, erosion, standing water, or heavy exterior neglect. Overall exterior and site present low risk for inspection with routine maintenance."
}
],
"red_flags": [
"Exposed electrical outlet / missing outlet cover observed in kitchen area (electrical hazard).",
"No smoke detectors visible in listing photos (required for NSPIRE/Section 8).",
"No carbon monoxide detector visible despite presence of a gas range (required where fuel-burning appliances exist)."
],
"confidence": 0.65,
"assumptions": [
"New roof statement in listing is accurate and the roofing installation is recent and watertight.",
"Central HVAC is present and connected (ceiling vents and return grille visible); system functionality assumed but not verified.",
"Hot water supply (water heater) is installed and operational though not shown in photos.",
"Electrical service and panel are intact and up to code unless the visible exposed outlet indicates localized work needed; panel location and condition unknown.",
"Bedrooms have legal egress windows (windows visible in photos appear adequately sized for egress typical to region).",
"Stains on carpet and wall indicate surface soiling or past spills; no visible active leak at time of photos.",
"Refrigerator not shown; missing appliances will be supplied or accepted by landlord/tenant per local program rules — absence alone not treated as an inspection-fail."
],
"overall_score": 69.0,
"rubric_version": "ns-2026-03-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "401 Oak Ave, Harahan, LA, 70123",
"aggregate": {
"summary": "Overall the property appears to be in good, mostly cosmetic condition with a new roof and functional exterior structures. It is likely to pass an initial Section 8 / NSPIRE inspection after completing a short punch list: install/verify smoke and CO alarms, install GFCI protection in kitchen/bath as required, replace missing outlet cover(s), replace or deep-clean stained carpeting and address visible wall stains. Major systems (water heater, electrical panel, HVAC operation, plumbing) were not shown; verify they are present and operational before inspection. With those quick fixes and system verification, the property is likely rent-ready within 2–30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 74.0,
"rationale": "Property appears structurally sound with recent roof (listing). Interior shows mostly cosmetic wear: stained blue carpet in bedrooms, surface stains on walls, scuffs and minor marks on baseboards, dated kitchen cabinets and vinyl floor that is serviceable. Stove is present; refrigerator not shown. Porch, steps and railings present and intact. Most issues are cosmetic or replace/repair items (carpet replacement, repaint, outlet cover) rather than major rehabilitation. Missing appliance(s) would be moderate impact but not catastrophic. Estimated time to ready: under 30 days for cosmetic refresh."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 83.3,
"rationale": "Exterior photos show vinyl siding in good repair, level grade with crawlspace piers typical for the region, a functioning covered porch with railings, chain-link fencing, garage and large shed in serviceable condition, and paved street access. Yard and driveways appear maintained; no visible major foundation cracking, erosion or standing water. Overhead utility lines are present (typical) but not an immediate code safety failure. Overall exterior condition is good and low risk for an initial inspection."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 59.7,
"rationale": "No life-threatening hazards visible (no collapsed ceilings, major structural sagging, visible mold or standing water). Entry door shows both knob and deadbolt. Central HVAC supply/return vents visible. However safety risks that commonly cause inspection failures are not shown: no visible smoke detectors or CO alarms in photos, no visible GFCI-protected kitchen outlet, and one electrical outlet cover appears missing (kitchen wall near floor). Bedroom windows appear typical but exact egress dimensions cannot be confirmed from photos. These are generally easy/low-cost fixes (install detectors, GFCI, replace cover), but if smoke/CO detectors or egress/window sizes do not meet local code it could cause a fail. No exposed wiring or obvious electrical panel defects visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 67.7,
"rationale": "New roof is reported in listing and photos show a recently shingled roof. Central HVAC duct/venting is visible in interior ceilings which indicates an installed system; operation not verified. Water heater, electrical panel, plumbing risers and sewer connections are not shown in photos and therefore unverified. Stove (gas or electric) is present. Because key system components are not visible, score reflects likely serviceable condition based on visible evidence (new roof, HVAC vents) but deducts for unknowns (water heater, electrical panel, plumbing function). These unknowns are higher-consequence but not evident as failed in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — potential inspection fail if absent.",
"Possible water/stain marks on bedroom wall and carpet stains — suggests past spill or localized water intrusion to investigate for mold or leak.",
"Missing electrical outlet cover (visible in kitchen area) — immediate minor safety hazard and potential fail if not corrected prior to inspection.",
"No visible GFCI-protected outlet in kitchen photos — may require installation to meet code/inspection.",
"Key systems (water heater, electrical panel, plumbing) not shown — unknown condition could reveal failure if nonfunctional."
],
"confidence": 0.95,
"assumptions": [
"Listing statement about a new roof is accurate and roof condition is good based on photos.",
"Central HVAC exists and is operational based on visible ceiling vents, but full operation has not been tested.",
"Water heater and electrical panel are present and intact though not shown in photos.",
"Bathroom(s) and hot water exist and function; they were not photographed but listing indicates 1 bath.",
"Bedroom windows meet minimum egress dimensions typical for the market (not directly verifiable from photos).",
"No active insect infestation or concealed mold beyond minor stains visible in photos.",
"Refrigerator may not be included (not shown); missing appliances would be a moderate issue but not an automatic safety failure."
],
"score_method": "mean_of_criteria",
"overall_score": 70.4,
"rubric_version": "2026-03-hud-nspire-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8195900846"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.