Property ID: 8197976643
317 3rd Ct, Pleasant Grove, AL, 35127
Pleasant Grove, AL
Money Down: $28,776
CoC Return: 20.29%
Monthly Cash Flow: $487
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,980
Closing Costs
$4,796
Total Down
$28,776
Investment Snapshot
Purchase Price
$119,900
Money Down
$28,776
Cash-on-Cash Return
20.29%
Rent
$1,423
Monthly Cash Flow
$487
Annual Cash Flow
$5,839
Debt Service / Mo
$638
Property Tax / Mo
$89
Insurance / Mo
$67
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,423
Payment Standard
$1,870
Rent
$1,423
Insurance
$67
Property Tax
$89
Management
$142
Utilities Allowance
$447
NOI (Monthly)
$1,125
Debt Service
$638
Cash Flow After Debt
$487
Quality Score: 66.40%
Confidence: 87.00%
Overall this property appears to be in fair-to-good condition for Section 8 tenancy with mostly cosmetic and moderate exterior repairs needed. The home has a seemingly solid roof, an outdoor A/C unit (suggesting HVAC), and an installed basement waterproofing claim. Primary inspection risks are unverified life-safety items (smoke/CO detectors, GFCI outlets), evidence of past basement moisture staining, a cracked driveway/trip hazards, and steep rear grade that requires safe egress/guarding. With modest fixes (add/verify smoke & CO detectors, GFCI protection in kitchen/bath, driveway/handrail repairs, clean-up, and verification of water heater/electrical panel/HVAC operation), the unit would likely pass an initial HCV/NSPIRE inspection within ~30 days.
Section 8 Payment Standard
$1,870
Utility Allowance Total
$447
Guaranteed Section 8 Rent (PS - Utilities)
$1,423
Property Management
$142
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1
Living Area
864 sqft
Lot Size
22,651 sqft
Year Built
1961
Days on Market
31
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$89
Insurance / Mo
$67
Property Description
Ready to move in Beautiful Hardwood Floods Granite Counter Tops New Basement Waterproof System Expand the Basement for Added Living Area
Utility Allowances
Heating
$38
Property has central heating. Assumed to be Natural Gas from Spire, consistent with the gas water heater and Spire being a major local provider.
Cooling
$22
Property has Central Air Conditioning, which is electric. Assumed provider is Alabama Power, the primary utility in the region.
Water Heating
$35
Property data explicitly lists a 'Gas Water Heater'. Assumed provider is Spire (Natural Gas).
Cooking
$21
Property data explicitly lists 'Stove-Electric'. Assumed provider is Alabama Power.
Other Electric
$68
Standard allowance for general electric usage (lights, outlets, etc.). Assumed provider is Alabama Power.
Water
$78
Property has public water. The 'Water: Birmingham' schedule was used as it's the largest regional provider and a reasonable default for Pleasant Grove.
Sewer
$151
Property data indicates it is 'Sewer Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.
Trash Collection
$20
Trash service is required for a single-family home. The 'Jefferson City' rate was selected as a general option for Jefferson County, where the property is located.
Tenant-Owned Refrigerator
$8
The property information does not state a refrigerator is included, so it is assumed to be tenant-provided.
Tenant-Owned Range/Microwave
$6
The property information does not state a microwave is included, so it is assumed to be tenant-provided.
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$808
DP3 Annual Estimate$808
DP1 Monthly Equivalent$67
DP3 Monthly Equivalent$67
Replacement Value$125,700
Basis864 sqft / 1961
Nearby Houses
Photo unavailable
321 2nd Ave S
sold · 0.10 mi
Price: $169,000
3 bd / 2 ba · 1,755 sqft
Latest sale: $169,000 on Apr 23, 2025
Latest rent: —
Photo unavailable
260 4th Ave
for_sale · 0.13 mi
Price: $185,000
3 bd / 1 ba · 1,489 sqft
Latest sale: $96,000 on Sep 27, 2019
Latest rent: —
Photo unavailable
404 3rd St Unit 0
sold · 0.13 mi
Price: $5,000
— bd / — ba
Latest sale: $5,000
Latest rent: —
Photo unavailable
404 3rd St
sold · 0.13 mi
Price: $244,500
4 bd / 3 ba · 1,588 sqft
Latest sale: $244,500 on Apr 14, 2022
Latest rent: —
Photo unavailable
321 Dogwood Ln Lot 1
sold · 0.15 mi
Price: $25,000
— bd / — ba
Latest sale: $25,000
Latest rent: —
Photo unavailable
321 Dogwood Ln
sold · 0.15 mi
Price: $17,500
— bd / — ba
Latest sale: $17,500 on Feb 27, 2025
Latest rent: —
Photo unavailable
329 4th St
sold · 0.15 mi
Price: $132,000
3 bd / 2 ba · 1,321 sqft
Latest sale: $132,000 on Mar 29, 2021
Latest rent: —
Photo unavailable
401 Dogwood Ln Lot 1A
for_sale · 0.18 mi
Price: $20,000
— bd / — ba
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Evidence of past basement moisture/staining on foundation walls (possible history of water intrusion).
- Large cracks/uneven concrete on driveway creating trip hazards.
- Steep rear slope and partial fence — potential fall/ejection risk and possible inadequate egress/guarding in some areas.
- No visible smoke/CO detectors or verified GFCI outlets in provided photos (NSPIRE failures if missing).
Assumptions
- Listing statement 'New Basement Waterproof System' is accurate and the system is functional but not photographed.
- Central HVAC is present and operational; inferred from the visible outdoor condenser unit.
- Water heater, furnace, and electrical panel exist in the mechanical areas but were not photographed; their condition is unknown.
- Stove is present (visible at kitchen edge); refrigerator was not photographed and may be missing or removed.
- No active roof leaks or interior ceiling stains are present (roof appears intact in photos).
- Smoke and carbon monoxide detectors, and GFCI protection are not visible in available photos and therefore treated as unverified items requiring inspection/installation.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,033 | $155,700 | $14,500 |
| 2023 | $1,033 | $135,600 | $13,560 |
| 2022 | $1,557 | $103,900 | $19,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-06-16 | Sold | $97,000 |
| 2025-03-06 | Sold | $130,000 |
| 2022-06-17 | Sold | $130,000 |
Photo Gallery
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{
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{
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{
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"utility": "Cooking",
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{
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},
{
"note": "Property has public water. The 'Water: Birmingham' schedule was used as it's the largest regional provider and a reasonable default for Pleasant Grove.",
"utility": "Water",
"allowance": 78
},
{
"note": "Property data indicates it is 'Sewer Connected'. The allowance is a fixed value from the schedule for a 3-bedroom unit.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Trash service is required for a single-family home. The 'Jefferson City' rate was selected as a general option for Jefferson County, where the property is located.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "The property information does not state a refrigerator is included, so it is assumed to be tenant-provided.",
"utility": "Tenant-Owned Refrigerator",
"allowance": 8
},
{
"note": "The property information does not state a microwave is included, so it is assumed to be tenant-provided.",
"utility": "Tenant-Owned Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.56,
"down_payment_amount": 23980.0,
"property_tax_annual": 1063.99,
"property_tax_monthly": 88.67,
"property_tax_increase": 0.03,
"utility_allowance_total": 447.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 5838.51,
"property_management_monthly": 142.3,
"monthly_cash_flow_after_debt": 486.54,
"cash_on_cash_return_after_debt": 0.24
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this property appears to be in fair-to-good condition for Section 8 tenancy with mostly cosmetic and moderate exterior repairs needed. The home has a seemingly solid roof, an outdoor A/C unit (suggesting HVAC), and an installed basement waterproofing claim. Primary inspection risks are unverified life-safety items (smoke/CO detectors, GFCI outlets), evidence of past basement moisture staining, a cracked driveway/trip hazards, and steep rear grade that requires safe egress/guarding. With modest fixes (add/verify smoke & CO detectors, GFCI protection in kitchen/bath, driveway/handrail repairs, clean-up, and verification of water heater/electrical panel/HVAC operation), the unit would likely pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Exterior and interior photos show a generally well-maintained ranch with newer-looking metal roof, intact siding/brick, and upgraded interior finishes (tile floors, oak cabinets). Visible repair items are mostly cosmetic and low-cost: cracked/uneven driveway, leaf/debris cleanup, some staining at foundation/basement exterior, worn deck boards and minor stair/landing wear. Kitchen shows a floor stain and baseboard scuffing but appears serviceable; stove appears present but refrigerator not photographed. No visible collapsed finishes or major structural damage. Missing appliances or cosmetic wear reduce score moderately but do not indicate major rehab."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Photos do not show smoke or carbon monoxide detectors, GFCI-protected outlets in the kitchen, or the electrical panel; those items are NSPIRE inspection checkpoints and are currently unverified. Exterior stairs and deck have guardrails, but some stairs/landings may need a handrail or tightening; the driveway has large cracks and uneven surfaces (trip hazard). There is evidence of prior basement moisture (exterior staining) although the listing claims a new basement waterproof system. The rear lot is steep; while a fence exists in portions, slope and drop-off areas increase fall risk and require clear, secure egress paths. No obvious exposed live wiring, collapsed ceilings, or active standing water were visible in the photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "An outdoor A/C condenser is visible, indicating central HVAC presence; the metal roof appears newer and in good visual condition. The listing claims a new basement waterproof system which would mitigate prior water intrusion. The electrical panel, water heater, furnace, and plumbing fixtures are not shown in photos and cannot be confirmed; foundation/basement exterior shows staining that suggests prior moisture intrusion but not active structural failure. Based on visible equipment and listing language, systems appear functional but several critical components remain unverified."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 68.0,
"rationale": "Lot is mature with large trees and natural landscaping. Retaining wall and metal fence are present near the driveway and rear drop; driveway is heavily cracked and uneven and will require repair to remove trip hazards. Vegetation and leaf litter are extensive and will need cleanup. The basement/garage-level exterior block shows staining and some efflorescence consistent with past moisture. Deck and covered porch look serviceable but will benefit from maintenance (tightening railings, replacing a few boards). No visible major foundation displacement or roof sagging in photos."
}
],
"red_flags": [
"Evidence of past basement moisture/staining on foundation walls (possible history of water intrusion).",
"Large cracks/uneven concrete on driveway creating trip hazards.",
"Steep rear slope and partial fence — potential fall/ejection risk and possible inadequate egress/guarding in some areas.",
"No visible smoke/CO detectors or verified GFCI outlets in provided photos (NSPIRE failures if missing)."
],
"confidence": 0.6,
"assumptions": [
"Listing statement 'New Basement Waterproof System' is accurate and the system is functional but not photographed.",
"Central HVAC is present and operational; inferred from the visible outdoor condenser unit.",
"Water heater, furnace, and electrical panel exist in the mechanical areas but were not photographed; their condition is unknown.",
"Stove is present (visible at kitchen edge); refrigerator was not photographed and may be missing or removed.",
"No active roof leaks or interior ceiling stains are present (roof appears intact in photos).",
"Smoke and carbon monoxide detectors, and GFCI protection are not visible in available photos and therefore treated as unverified items requiring inspection/installation."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed, 1-bath single-family appears generally serviceable and likely to pass an initial HCV/NSPIRE inspection after standard, low-to-moderate repairs and verification. Strengths: newer-looking metal roof, intact porch/deck, exterior HVAC unit present, and generally maintained exterior finishes. Likely required actions before inspection: install/verify smoke and CO detectors, confirm GFCI protection in kitchen/bath, repair/level cracked driveway approach to remove trip hazard, remediate and document basement moisture control (verify waterproofing effectiveness and that no active leaks or mold remain), and verify electrical panel and hot water/plumbing operation. With those items addressed the property is likely rent-ready within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show generally serviceable finishes: brick/ vinyl siding, a newer-looking metal roof, intact windows, kitchen and cabinetry present, and covered porch/deck in usable condition. Visible deferred items are cosmetic and low-to-moderate cost: cracked/uneven concrete driveway, yard cleanup, staining at foundation/basement exterior, some worn deck stairs/treads, and minor interior scuffs. No evidence of collapsed ceilings, exposed subfloor, or large structural failure in the photos. Missing refrigerator (not pictured) reduces turnkey readiness modestly but is not a major failure."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No life-threatening hazards are obvious in photos, and the rear HVAC condensing unit is present. Deck and porch have railings and stairs with a handrail visible. However several inspection-risk items are unknown or potentially non-compliant: no smoke/CO detectors are visible in photos (an NSPIRE fail if absent), bedroom egress size cannot be confirmed from provided images, electrical panel and GFCI protection are not shown, and there is visual evidence of past basement moisture/staining at foundation which raises risk of active water intrusion/mold. Cracked/uneven driveway is a trip hazard. These items create moderate risk for an initial HCV inspection without minor repairs or documentation."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "A condensing unit for HVAC is visible outside which suggests an existing heating/cooling system. The metal roof looks in good condition (likely recently replaced or well-maintained). Basement waterproofing is advertised in the listing (supporting reduced flood risk), but photos also show staining on the foundation walls that suggest prior moisture. Electrical service, panel condition, water heater, hot water availability and plumbing operation are not shown and therefore assumed typical for the age of home; absence of visible major system failures supports a moderately favorable score but unknowns keep the rating below turnkey."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 60.0,
"rationale": "The site shows a steep rear slope, a large mature tree very close to the home, and areas of overgrowth and leaf accumulation. Driveway concrete is cracked and uneven (trip hazard) and there is visible staining on the lower foundation that may indicate past drainage or seepage. Retaining wall/terrace appears intact but the slope and proximity to vegetation increase long-term maintenance and drainage risks. Siding, gutters/downspouts and the deck structure appear serviceable from photos."
}
],
"red_flags": [
"Evidence of past basement/foundation moisture (staining) — risk of active water intrusion or mold without verification.",
"Cracked and uneven driveway (trip hazard) leading to the house/garage approach.",
"Large mature tree very close to structure — potential risk to roof, gutters, and foundation from roots or falling limbs.",
"Steep rear slope and drainage concerns adjacent to foundation/retaining wall — may require drainage verification and mitigation.",
"No visible smoke or carbon monoxide alarms in provided interior photos (NSPIRE-required devices may be missing)."
],
"confidence": 0.65,
"assumptions": [
"Listing statement about a 'New Basement Waterproof System' is accurate and the system is functional unless photos show otherwise; staining on foundation indicates past moisture but not necessarily active leak.",
"An HVAC system is present and operational (outdoor condensing unit visible); heating/cooling functionality not directly tested in photos.",
"Kitchen has at least a stove/oven (visible in some interior shots); refrigerator may not be provided and would be a tenant or landlord-provided item per lease.",
"Smoke detectors, CO alarms, electrical panel condition, GFCI outlets, and hot water availability were not visible in photos and therefore their presence/condition is unknown.",
"Bedroom window egress dimensions are not measurable from photos; assumed typical but must be verified on-site.",
"No interior photos show ceilings/attics/crawlspaces so no hidden structural collapse is assumed unless indicated by exterior cues."
],
"overall_score": 69.0,
"rubric_version": "1.0"
},
{
"summary": "Based on exterior and limited interior photos plus the listing text, this 3-bed, 1-bath 1961 home appears generally serviceable and likely rent-ready with mostly cosmetic and moderate repairs. The property shows a sound roof and HVAC condenser present, and the listing indicates basement waterproofing was performed. Primary inspection risks are undocumented life-safety items (smoke/CO detectors, GFCI outlets), evidence of prior basement moisture staining, and bedroom egress unknowns. If smoke/CO detectors and required GFCIs are installed, and a targeted moisture/mold check and driveway/handrail repairs are completed, the property has a good chance to pass an initial HCV/NSPIRE inspection within 30 days. Full internal system checks (electrical panel, water heater, plumbing) and confirmation of bedroom egress are recommended prior to listing for Section 8 tenancy.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior and interior photos show mostly intact finishes with cosmetic wear: scuffed walls, a stained/dirty tile floor in the kitchen, older cabinets, and evidence of dirt/debris on decks and yard. Metal roof appears in good shape and siding/brick are intact. Driveway has multiple large cracks and needs repair; deck and porches appear serviceable but need cleaning/fastener checks. Appliances: a stove is visible, refrigerator not shown (likely missing). These are mostly easy-to-fix or cosmetic items and would not be catastrophic for Section 8 readiness."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible or unclear in photos: no smoke or CO detectors are seen; no clear evidence of GFCI-protected receptacles in the kitchen; egress windows for bedrooms are not shown (some windows shown appear to be jalousie/louvered style which can fail egress requirements). The front porch has small steps without a visible handrail; side porch has stairs with a handrail but confirm for riser count. There is visible staining on the foundation/block indicating prior moisture in the basement — potential mold/moisture issue until verified. No exposed electrical hazards are visible in photos; exterior conduit and fixtures look intact. Because critical life-safety items are not documented in the photos, the property has moderate NSPIRE risk until detectors, GFCI, and egress in bedrooms are confirmed/installed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 60.0,
"rationale": "An outdoor HVAC condenser is visible, indicating a working forced-air system likely present. Metal roof looks recently installed or in good condition from photos. Foundation block shows staining from prior moisture; listing claims a 'New Basement Waterproof System' which is a positive but not independently verified. Electrical panel, water heater, and visible plumbing fixtures are not shown; therefore their condition is unknown. The cracked driveway and sloped lot raise drainage concerns but downspouts are present. Overall, systems appear serviceable but have notable unknowns that could surface on a full inspection."
},
{
"key": "exterior_site",
"label": "Exterior Envelope & Site",
"score": 65.0,
"rationale": "Exterior photos show a generally intact envelope: brick foundation, vinyl siding, and metal roof in good visual condition. The lot is steeply sloped with heavy mature trees close to the house (a large oak very near the structure) which increases risk of roof/limb damage and root impact on foundation. Driveway is heavily cracked and uneven (trip hazard). Vegetation is overgrown in places and leaf litter is heavy which could conceal erosion or pest activity. Retaining wall and decorative fence appear stable. Overall the site needs clean-up, minor drainage attention, and driveway repair."
}
],
"red_flags": [
"Visible staining on block foundation and lower walls consistent with past basement water intrusion (verify for active leaks, mold, structural damage).",
"No visible smoke or carbon monoxide detectors in photos (NSPIRE failure risk if missing).",
"Cracked and uneven concrete driveway is a trip hazard and may require repair.",
"Large mature tree very close to the house — risk of limb/roof damage and root impact to foundation if not managed.",
"Potential non-compliant egress windows (some louvered/jalousie windows visible) — verify in sleeping rooms."
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms were visible in photos; assume they are not installed or not visible and must be confirmed/installed.",
"Electrical panel, water heater, and plumbing fixtures were not shown; assume typical functioning unless inspection finds otherwise.",
"Listing statement 'New Basement Waterproof System' is assumed to have addressed prior moisture but staining on foundation indicates previous water intrusion that should be verified as resolved.",
"At least one stove is present (visible); refrigerator not shown and may be missing — missing fridge assumed to be an easy-to-fix, non-safety item.",
"Bedrooms likely on main level with standard windows; egress for bedrooms is unknown and assumed to require verification — some windows pictured (louvered/jalousie) may not meet egress.",
"Deck and porch railings are assumed to meet spacing/height requirements but require handrail confirmation for stairs with 4+ risers."
],
"overall_score": 63.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "317 3rd Ct, Pleasant Grove, AL, 35127",
"aggregate": {
"summary": "Overall this property appears to be in fair-to-good condition for Section 8 tenancy with mostly cosmetic and moderate exterior repairs needed. The home has a seemingly solid roof, an outdoor A/C unit (suggesting HVAC), and an installed basement waterproofing claim. Primary inspection risks are unverified life-safety items (smoke/CO detectors, GFCI outlets), evidence of past basement moisture staining, a cracked driveway/trip hazards, and steep rear grade that requires safe egress/guarding. With modest fixes (add/verify smoke & CO detectors, GFCI protection in kitchen/bath, driveway/handrail repairs, clean-up, and verification of water heater/electrical panel/HVAC operation), the unit would likely pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 73.3,
"rationale": "Exterior and interior photos show a generally well-maintained ranch with newer-looking metal roof, intact siding/brick, and upgraded interior finishes (tile floors, oak cabinets). Visible repair items are mostly cosmetic and low-cost: cracked/uneven driveway, leaf/debris cleanup, some staining at foundation/basement exterior, worn deck boards and minor stair/landing wear. Kitchen shows a floor stain and baseboard scuffing but appears serviceable; stove appears present but refrigerator not photographed. No visible collapsed finishes or major structural damage. Missing appliances or cosmetic wear reduce score moderately but do not indicate major rehab."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 64.3,
"rationale": "Lot is mature with large trees and natural landscaping. Retaining wall and metal fence are present near the driveway and rear drop; driveway is heavily cracked and uneven and will require repair to remove trip hazards. Vegetation and leaf litter are extensive and will need cleanup. The basement/garage-level exterior block shows staining and some efflorescence consistent with past moisture. Deck and covered porch look serviceable but will benefit from maintenance (tightening railings, replacing a few boards). No visible major foundation displacement or roof sagging in photos."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Photos do not show smoke or carbon monoxide detectors, GFCI-protected outlets in the kitchen, or the electrical panel; those items are NSPIRE inspection checkpoints and are currently unverified. Exterior stairs and deck have guardrails, but some stairs/landings may need a handrail or tightening; the driveway has large cracks and uneven surfaces (trip hazard). There is evidence of prior basement moisture (exterior staining) although the listing claims a new basement waterproof system. The rear lot is steep; while a fence exists in portions, slope and drop-off areas increase fall risk and require clear, secure egress paths. No obvious exposed live wiring, collapsed ceilings, or active standing water were visible in the photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "An outdoor A/C condenser is visible, indicating central HVAC presence; the metal roof appears newer and in good visual condition. The listing claims a new basement waterproof system which would mitigate prior water intrusion. The electrical panel, water heater, furnace, and plumbing fixtures are not shown in photos and cannot be confirmed; foundation/basement exterior shows staining that suggests prior moisture intrusion but not active structural failure. Based on visible equipment and listing language, systems appear functional but several critical components remain unverified."
}
],
"red_flags": [
"Evidence of past basement moisture/staining on foundation walls (possible history of water intrusion).",
"Large cracks/uneven concrete on driveway creating trip hazards.",
"Steep rear slope and partial fence — potential fall/ejection risk and possible inadequate egress/guarding in some areas.",
"No visible smoke/CO detectors or verified GFCI outlets in provided photos (NSPIRE failures if missing)."
],
"confidence": 0.87,
"assumptions": [
"Listing statement 'New Basement Waterproof System' is accurate and the system is functional but not photographed.",
"Central HVAC is present and operational; inferred from the visible outdoor condenser unit.",
"Water heater, furnace, and electrical panel exist in the mechanical areas but were not photographed; their condition is unknown.",
"Stove is present (visible at kitchen edge); refrigerator was not photographed and may be missing or removed.",
"No active roof leaks or interior ceiling stains are present (roof appears intact in photos).",
"Smoke and carbon monoxide detectors, and GFCI protection are not visible in available photos and therefore treated as unverified items requiring inspection/installation."
],
"score_method": "mean_of_criteria",
"overall_score": 66.4,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8197976643"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.