Property ID: 8213644786
2436 Pine Cone Cir, Tarrant, AL, 35217
Tarrant, AL
Money Down: $28,776
CoC Return: 11.70%
Monthly Cash Flow: $281
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
11.70%
Rent
$1,131
Monthly Cash Flow
$281
Annual Cash Flow
$3,367
Debt Service / Mo
$638
Property Tax / Mo
$41
Insurance / Mo
$58
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,131
Payment Standard
$1,419
Rent
$1,131
Insurance
$58
Property Tax
$41
Management
$113
Utilities Allowance
$288
NOI (Monthly)
$919
Debt Service
$638
Cash Flow After Debt
$281
Quality Score: 72.10%
Confidence: 93.00%
Overall this single‑level 3BR home appears in good cosmetic and functional condition following a recent remodel, with working appliances visible and positive system upgrades claimed (new septic, crawlspace encapsulation, attic insulation, new windows). The property is likely to pass an initial HCV/NSPIRE inspection with basic pre‑inspection work (confirming and/or installing required smoke/CO detectors, addressing front deck/step repair and adding handrail, confirming GFCI and egress compliance, and verifying HVAC, water heater and electrical panel condition). Main inspection risks are missing/undemonstrated life‑safety items (smoke/CO detectors, GFCI, bedroom egress) and the deteriorated front deck/steps which should be repaired before tenant move‑in.
Section 8 Payment Standard
$1,419
Utility Allowance Total
$288
Guaranteed Section 8 Rent (PS - Utilities)
$1,131
Property Management
$113
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$119,900
Beds
3
Baths
1
Living Area
1,215 sqft
Lot Size
27,443 sqft
Year Built
1960
Days on Market
9
Capital Outlay
$28,776
Debt Service
$638
Property Tax / Mo
$41
Insurance / Mo
$58
Property Description
Cute, one-level home located on a huge level lot and under $120K! Come see this 3BR home with attached 2 car garage that was remodeled just a few years ago. Remodel included new energy efficient windows, crawlspace encapsulation, a new septic system, added attic insulation and new rear deck. If you need room and convenience on a budget, this is it! The large, flat yard will offer room to play and enjoy outdoors. Call today to take advantage of this home at an exceptional price point!
Utility Allowances
heating
$38
Property information specifies 'Gas Heat'. The 'N'Gas: Spire' option was chosen as Spire is the primary natural gas provider in the Jefferson County area.
cooling
$17
Property information specifies 'Electric (COOL)'. The 'A/C: Tarrant' option was selected from the schedule as it directly corresponds to the property's city.
cooking
$15
Property information lists 'Oven-Gas'. The 'N'Gas: Spire' option was selected, consistent with the heating fuel source.
water_heating
$35
Property information lists 'Water Heaters: Gas'. The 'N'Gas: Spire' option was selected, consistent with other gas appliances.
water
$78
Property has 'Public Water'. The 'Water: Birmingham' option was chosen as the Birmingham Water Works Board serves the Tarrant area.
sewer
$0
Property information explicitly states 'Sewer: Septic'. The allowance is $0 as the tenant will not have a public sewer bill.
trash_collection
$27
The 'Tarrant City ISCL' option was chosen as the property is located within the city of Tarrant.
other_electric
$64
The 'Lights, Ref, Etc.: Tarrant' option was selected from the schedule based on the property's city location.
refrigerator
$8
A refrigerator is not explicitly mentioned as a provided appliance, so it is assumed to be tenant-owned per instructions.
range_microwave
$6
A microwave is not explicitly mentioned as a provided appliance, so it is assumed to be tenant-owned per instructions.
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$559
DP3 Annual Estimate$837
DP1 Monthly Equivalent$47
DP3 Monthly Equivalent$70
Replacement Value$58,400
Basis1,215 sqft / 1960
Nearby Houses
No nearby houses were returned.
Risk and Criteria Detail
Red Flags
- success
- Front entry/deck: deteriorated step/platform and lack of visible handrail — trip/fall hazard that can result in inspection failure if not repaired.
- No smoke detectors or CO alarms visible in photos — missing/insufficient alarms are common immediate fail items under NSPIRE.
- Bathroom: window located inside shower area — tempered-glass requirement unknown and could be a code issue if untempered.
- GFCI protection at kitchen and bathroom outlets not confirmed in photos — required and frequently cited on inspections.
Assumptions
- Listing statements (new energy efficient windows, crawlspace encapsulation, new septic, added attic insulation, new rear deck) are accurate and recent.
- Central HVAC exists and is connected (floor/ceiling vents visible) though the condensing unit/age was not pictured.
- Kitchen appliances shown in photos (gas range, refrigerator, dishwasher) will remain with the unit and are operable.
- No active roof leaks or significant hidden water intrusion are present — roof appears intact from photos.
- Smoke detectors, carbon monoxide alarms, GFCI protection and water heater status were not photographed and should be treated as unknown until verified; absence in photos does not equal presence.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $478 | $94,100 | $9,420 |
| 2023 | $478 | $94,100 | $9,420 |
| 2022 | $386 | $77,900 | $7,800 |
| 2021 | $386 | $77,900 | $7,800 |
| 2020 | $386 | $77,900 | $7,800 |
| 2019 | $386 | $77,900 | $7,800 |
| 2018 | $395 | $70,100 | $14,020 |
| 2016 | $342 | $70,100 | $7,020 |
| 2015 | $342 | $70,100 | $7,020 |
| 2013 | $344 | $69,500 | $6,960 |
| 2012 | $343 | $69,510 | $6,951 |
| 2011 | $347 | $70,100 | $7,010 |
| 2010 | $347 | $70,100 | $7,010 |
| 2009 | $347 | $70,100 | $7,010 |
| 2008 | $353 | $71,100 | $7,110 |
| 2007 | $343 | $69,400 | $6,940 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-07 | Listed | $119,900 |
| 2019-07-08 | Sold | $125,900 |
| 2015-12-15 | Sold | $14,000 |
| 2015-11-28 | Price Changed | $14,500 |
| 2015-11-19 | Price Changed | $17,000 |
| 2015-11-02 | Listed | $22,000 |
| 2006-07-11 | Listing removed | $92,400 |
| 2006-03-11 | Listed | $92,400 |
Photo Gallery
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"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "733036",
"price_change_percentage": null
},
{
"date": "2015-11-02",
"price": 22000,
"listing": {
"status": "sold",
"list_date": "2015-11-02T07:00:00Z",
"list_price": 14500,
"listing_id": "603516831",
"last_update_date": "2015-12-15T23:56:00Z",
"last_status_change_date": "2015-12-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "733036",
"price_change_percentage": null
},
{
"date": "2006-07-11",
"price": 92400,
"listing": {
"status": "off_market",
"list_date": "2006-03-11T07:00:00Z",
"list_price": 92400,
"listing_id": "542151599",
"last_update_date": "2006-07-12T12:00:00Z",
"last_status_change_date": "2006-07-11T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "122 days",
"source_listing_id": "292437",
"price_change_percentage": null
},
{
"date": "2006-03-11",
"price": 92400,
"listing": {
"status": "off_market",
"list_date": "2006-03-11T07:00:00Z",
"list_price": 92400,
"listing_id": "542151599",
"last_update_date": "2006-07-12T12:00:00Z",
"last_status_change_date": "2006-07-11T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "292437",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8213644786",
"generated_at": "2026-02-16T03:09:28.351148Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 72.1
},
"utility_allowance": {
"zip_code": "35217",
"home_photo": "https://ap.rdcpix.com/6e0314b804429cfb880384fabc4088c7l-m1395681832s-w1280.jpg",
"rent_price": 1131.0,
"loan_amount": 95920.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2436-Pine-Cone-Cir_Tarrant_AL_35217_M82136-44786",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119900.0,
"loan_term_years": 30,
"annual_cash_flow": 11024.46,
"mortgage_monthly": 638.16,
"payment_standard": 1419.0,
"total_amount_out": 23980.0,
"additional_photos": [
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"https://ap.rdcpix.com/6e0314b804429cfb880384fabc4088c7l-m3508734724s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 58.17,
"monthly_cash_flow": 918.7,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property information specifies 'Gas Heat'. The 'N'Gas: Spire' option was chosen as Spire is the primary natural gas provider in the Jefferson County area.",
"utility": "heating",
"allowance": 38
},
{
"note": "Property information specifies 'Electric (COOL)'. The 'A/C: Tarrant' option was selected from the schedule as it directly corresponds to the property's city.",
"utility": "cooling",
"allowance": 17
},
{
"note": "Property information lists 'Oven-Gas'. The 'N'Gas: Spire' option was selected, consistent with the heating fuel source.",
"utility": "cooking",
"allowance": 15
},
{
"note": "Property information lists 'Water Heaters: Gas'. The 'N'Gas: Spire' option was selected, consistent with other gas appliances.",
"utility": "water_heating",
"allowance": 35
},
{
"note": "Property has 'Public Water'. The 'Water: Birmingham' option was chosen as the Birmingham Water Works Board serves the Tarrant area.",
"utility": "water",
"allowance": 78
},
{
"note": "Property information explicitly states 'Sewer: Septic'. The allowance is $0 as the tenant will not have a public sewer bill.",
"utility": "sewer",
"allowance": 0
},
{
"note": "The 'Tarrant City ISCL' option was chosen as the property is located within the city of Tarrant.",
"utility": "trash_collection",
"allowance": 27
},
{
"note": "The 'Lights, Ref, Etc.: Tarrant' option was selected from the schedule based on the property's city location.",
"utility": "other_electric",
"allowance": 64
},
{
"note": "A refrigerator is not explicitly mentioned as a provided appliance, so it is assumed to be tenant-owned per instructions.",
"utility": "refrigerator",
"allowance": 8
},
{
"note": "A microwave is not explicitly mentioned as a provided appliance, so it is assumed to be tenant-owned per instructions.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.46,
"down_payment_amount": 23980.0,
"property_tax_annual": 492.34,
"property_tax_monthly": 41.03,
"property_tax_increase": 0.03,
"utility_allowance_total": 288.0,
"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": 3366.56,
"property_management_monthly": 113.1,
"monthly_cash_flow_after_debt": 280.55,
"cash_on_cash_return_after_debt": 0.14
},
"section8_assessment": {
"runs": [
{
"summary": "Overall this single‑level 3BR home appears in good cosmetic and functional condition following a recent remodel, with working appliances visible and positive system upgrades claimed (new septic, crawlspace encapsulation, attic insulation, new windows). The property is likely to pass an initial HCV/NSPIRE inspection with basic pre‑inspection work (confirming and/or installing required smoke/CO detectors, addressing front deck/step repair and adding handrail, confirming GFCI and egress compliance, and verifying HVAC, water heater and electrical panel condition). Main inspection risks are missing/undemonstrated life‑safety items (smoke/CO detectors, GFCI, bedroom egress) and the deteriorated front deck/steps which should be repaired before tenant move‑in.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears recently remodeled and well maintained: hardwood floors, painted walls, updated kitchen island and cabinet faces, functioning appliances (range, refrigerator, dishwasher visible). Cosmetic wear on floors and minor scuffs visible but nothing major. Exterior front deck/porch is weathered and the front step/platform appears damaged and in need of repair or replacement — this is the primary visible repair item. Driveway shows surface cracking but is serviceable. Missing or damaged small finishes (front deck rail/steps) reduce score moderately."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 65.0,
"rationale": "No obvious active life‑threatening hazards in photos (no collapsed ceilings, major water intrusion, visible exposed high‑voltage wiring). However multiple NSPIRE items are not documented or visible: smoke detectors and carbon monoxide alarms are not visible in any interior photos, GFCI protection at sink/outlets is not confirmed, bedroom egress windows are not shown (uncertain), and the bathroom has a window inside the shower — glazing/tempered rating unknown. The front porch/deck step is a trip/fall risk and lacks a visible handrail. Gas range is present (appears to be gas) — proper shutoffs/venting not confirmed. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states crawlspace encapsulation, added attic insulation and a new septic system; these are positive system items (assumed accurate). Interior shows floor registers and vents consistent with central HVAC (unit not pictured) — likely present and functioning but age/condition unknown. Roof appears intact with no visible sagging or missing shingles in photos. Water heater, electrical panel and HVAC equipment are not shown so condition is assumed serviceable but not verified. Overall systems look acceptable with standard verification needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large level yard and attached two‑car garage are positives. Siding and foundation skirt appear intact in photos. Driveway shows cracking and surface deterioration which is a trip/appearance issue. Front deck/steps are deteriorated and need repair; front entry lacks an obvious handrail. No evidence of standing water, major grading issues, or visible infestation in provided photos. Rear deck noted as new in listing (not pictured), which helps exterior score."
}
],
"red_flags": [
"Front entry/deck: deteriorated step/platform and lack of visible handrail — trip/fall hazard that can result in inspection failure if not repaired.",
"No smoke detectors or CO alarms visible in photos — missing/insufficient alarms are common immediate fail items under NSPIRE.",
"Bathroom: window located inside shower area — tempered-glass requirement unknown and could be a code issue if untempered.",
"GFCI protection at kitchen and bathroom outlets not confirmed in photos — required and frequently cited on inspections."
],
"confidence": 0.65,
"assumptions": [
"Listing statements (new energy efficient windows, crawlspace encapsulation, new septic, added attic insulation, new rear deck) are accurate and recent.",
"Central HVAC exists and is connected (floor/ceiling vents visible) though the condensing unit/age was not pictured.",
"Kitchen appliances shown in photos (gas range, refrigerator, dishwasher) will remain with the unit and are operable.",
"No active roof leaks or significant hidden water intrusion are present — roof appears intact from photos.",
"Smoke detectors, carbon monoxide alarms, GFCI protection and water heater status were not photographed and should be treated as unknown until verified; absence in photos does not equal presence."
],
"overall_score": 73.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed single-level home appears in good cosmetic and functional condition following a recent remodel and system upgrades (windows, crawlspace encapsulation, attic insulation, new septic). Major life-safety or structural failures were not observed in the photos. Primary NSPIRE inspection risks are missing/ not visible smoke and CO alarms, front entry steps lacking a handrail (trip/fall hazard), cracked driveway, and unknown GFCI protection at kitchen/bath outlets. With installation/verification of required alarms, a handrail or repaired front steps, and confirming GFCI and panel condition, the property is likely to pass an initial HCV/NSPIRE inspection and be rent-ready in under 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently remodeled and well maintained: painted walls, finished hardwood floors, updated kitchen island and counters, functioning appliances (range and refrigerator visible), finished bathroom. Visible deferred/cosmetic items: front entry deck/steps are makeshift and weathered (needs repair or replacement), driveway has multiple large cracks and uneven areas, some wear on floors/trim in high-traffic areas. Missing or damaged small items (outlet covers, thresholds) are not evident but possible. Overall these are moderate, mostly cosmetic or capital items and should be addressable within a short rehab window."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (required on each level and near sleeping areas; CO required given a gas range and attached garage). Front entry steps/deck appear to lack a handrail and present a trip/fall hazard. No exposed wiring or obvious electrical hazards are visible. Bathroom and kitchen appear finished, but GFCI protection for kitchen countertop/bathroom outlets is not observable from photos (could be present on a protected circuit). Bedroom egress windows are not shown. No signs of active water intrusion, collapsed ceilings, or structural sagging were observed. These missing/unknown safety items pose inspection risk but are generally remediable."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 75.0,
"rationale": "Listing indicates several system upgrades: new energy-efficient windows, crawlspace encapsulation, added attic insulation, new septic system — these reduce risk for moisture, insulation and septic failures. Interior shows floor vents suggesting central HVAC (not pictured), and kitchen has a gas range (appears operational). No water stains or visible roof leaks seen from interior photos; exterior roof looks aged but not visibly failing. Electrical panel, water heater, and HVAC equipment are not shown so condition is assumed serviceable based on overall good interior condition and recent remodel notes. Given the visible upgrades and lack of obvious system failures, score reflects likely functional systems but with some uncertainty."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Large, level lot and attached two-car garage are positives. Siding and foundation visible from front photo look generally intact; new rear deck mentioned in listing. Driveway is heavily cracked and uneven which is a trip hazard and affects curb appeal. Front entry platform/steps need repair and lack a guard/handrail. Yard appears maintained; no visible standing water, major slope or erosion. No obvious pest infestation seen in photos. Overall exterior is serviceable but requires attention to entry safety and driveway."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in photos — required and common NSPIRE fail",
"Front entry steps/deck lack a proper handrail/guard and present a trip/fall hazard",
"Driveway has large cracks/uneven surface (trip hazard)",
"GFCI protection at kitchen/bath outlets not visible — must be verified",
"Gas range present (CO risk) — CO detectors required near sleeping areas"
],
"confidence": 0.67,
"assumptions": [
"Listing statement about new septic, new windows, crawlspace encapsulation and added attic insulation is accurate and recent.",
"Central HVAC exists and is operational (supply vents visible in hall); no major heating/cooling failure unless otherwise discovered on-site.",
"Electrical panel, water heater, and smoke/CO alarm installations are not visible in photos; their presence and function are unknown and must be verified.",
"Bedrooms have code-compliant egress windows (not shown) but this must be confirmed on-site.",
"No active roof leaks or major foundation movement exist beyond what is visible in exterior photos; roof is aged but appears intact from provided images."
],
"overall_score": 70.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
},
{
"summary": "Overall the home appears to be a mostly renovated, single-level ranch that is close to Section 8/NSPIRE ready. Interior finishes, kitchen and bath are in good condition and major items noted in the listing (new windows, crawlspace encapsulation, new septic) reduce system risk. Primary inspection concerns are missing/undocumented smoke/CO alarms, the front entry decking/steps lacking a guardrail/handrail and cracked driveway/trip hazards. Electrical panel, GFCI protection at kitchen and bedroom egress windows were not visible in photos and will need verification. With straightforward fixes (install detectors, add handrail/repair front deck, patch driveway, confirm GFCI/panel condition) this property is likely to pass an initial HCV inspection within ~2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently remodeled with intact hardwood floors, painted walls, functional kitchen cabinets/countertops and appliances (range, refrigerator, dishwasher visible). Cosmetic wear on floors and minor scuffs present. Front entry decking/porch shows unfinished/uneven boards and looks deteriorated and will need repair. Driveway has large cracks. No evidence of collapsed ceilings, widespread water stains, or major deferred maintenance inside. Missing small finish items (thresholds, minor trim) likely easy/cheap to correct."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No visible smoke detectors or carbon monoxide alarms in photos (NSPIRE requires functioning smoke detectors). Front entry deck/steps lack a visible guardrail/handrail and there are trip hazards at cracked driveway and uneven porch — these are common inspection concerns. Kitchen sink area GFCI presence cannot be confirmed from photos. Bedroom egress windows not shown but listing says new windows; reasonable to assume typical windows were replaced but cannot be confirmed. No visible exposed wiring, active leaks, collapsed ceilings, or peeling/interior lead-disturbance visible in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Evidence of mechanical systems: floor/return vents visible (indicates central HVAC), functional kitchen appliances (gas range) and jetted tub in the bath. Listing notes crawlspace encapsulation and a new septic system which reduce plumbing/sewer risk. Roof appears intact with no visible sagging or active leaks in photos. Electrical panel and water heater not shown so condition is unverified. No visible active water intrusion or major plumbing leaks pictured."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, level yard and new rear deck per listing (rear deck not shown in photos) are positive. Siding, brick skirt and windows appear in generally good condition. Driveway is heavily cracked (trip hazard & may need repair). Front porch decking/steps appear weathered/unfinished and missing guardrail which is a safety/code issue. Garage doors present and seem operational. No visible standing water or exterior structural failure observed."
}
],
"red_flags": [
"Front entry/deck missing guardrail/handrail — unsafe stairs/guardrail deficiency (code/safety fail potential).",
"Cracked, uneven driveway and uneven front step decking — trip hazards requiring repair.",
"No visible smoke detectors or carbon monoxide alarms in photos — mandatory for NSPIRE/HCV inspections and likely cause for immediate fail if absent or nonfunctional.",
"GFCI protection at kitchen/wet-area outlets not visible/confirmed — may fail if not present."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and functional (floor/return vents visible) though the furnace/AC unit and water heater were not photographed.",
"New windows referenced in listing are adequate for egress in bedrooms, but bedroom window sizes and egress compliance were not photographed and must be verified onsite.",
"Septic system replacement and crawlspace encapsulation noted in listing are completed and functioning, reducing sewer and foundation moisture risk.",
"Electrical panel condition and presence of GFCI-protected kitchen/bath circuits are unknown (not shown); assume typical updates during remodel but require verification.",
"No active roof leaks or major structural issues are present based on interior photos (no water stains, sagging ceilings), but roof age is unknown and should be inspected.",
"Smoke detectors / CO alarms are not visible in listing photos; assume they are not installed or not shown and will need to be confirmed/installed prior to inspection if absent."
],
"overall_score": 73.0,
"rubric_version": "NSPIRE-2026-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2436 Pine Cone Cir, Tarrant, AL, 35217",
"aggregate": {
"summary": "Overall this single‑level 3BR home appears in good cosmetic and functional condition following a recent remodel, with working appliances visible and positive system upgrades claimed (new septic, crawlspace encapsulation, attic insulation, new windows). The property is likely to pass an initial HCV/NSPIRE inspection with basic pre‑inspection work (confirming and/or installing required smoke/CO detectors, addressing front deck/step repair and adding handrail, confirming GFCI and egress compliance, and verifying HVAC, water heater and electrical panel condition). Main inspection risks are missing/undemonstrated life‑safety items (smoke/CO detectors, GFCI, bedroom egress) and the deteriorated front deck/steps which should be repaired before tenant move‑in.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Interior appears recently remodeled and well maintained: hardwood floors, painted walls, updated kitchen island and cabinet faces, functioning appliances (range, refrigerator, dishwasher visible). Cosmetic wear on floors and minor scuffs visible but nothing major. Exterior front deck/porch is weathered and the front step/platform appears damaged and in need of repair or replacement — this is the primary visible repair item. Driveway shows surface cracking but is serviceable. Missing or damaged small finishes (front deck rail/steps) reduce score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large level yard and attached two‑car garage are positives. Siding and foundation skirt appear intact in photos. Driveway shows cracking and surface deterioration which is a trip/appearance issue. Front deck/steps are deteriorated and need repair; front entry lacks an obvious handrail. No evidence of standing water, major grading issues, or visible infestation in provided photos. Rear deck noted as new in listing (not pictured), which helps exterior score."
},
{
"key": "safety_code",
"label": "Safety / Code Risk (NSPIRE)",
"score": 63.3,
"rationale": "No obvious active life‑threatening hazards in photos (no collapsed ceilings, major water intrusion, visible exposed high‑voltage wiring). However multiple NSPIRE items are not documented or visible: smoke detectors and carbon monoxide alarms are not visible in any interior photos, GFCI protection at sink/outlets is not confirmed, bedroom egress windows are not shown (uncertain), and the bathroom has a window inside the shower — glazing/tempered rating unknown. The front porch/deck step is a trip/fall risk and lacks a visible handrail. Gas range is present (appears to be gas) — proper shutoffs/venting not confirmed. These unknowns create moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states crawlspace encapsulation, added attic insulation and a new septic system; these are positive system items (assumed accurate). Interior shows floor registers and vents consistent with central HVAC (unit not pictured) — likely present and functioning but age/condition unknown. Roof appears intact with no visible sagging or missing shingles in photos. Water heater, electrical panel and HVAC equipment are not shown so condition is assumed serviceable but not verified. Overall systems look acceptable with standard verification needed."
}
],
"red_flags": [
"Front entry/deck: deteriorated step/platform and lack of visible handrail — trip/fall hazard that can result in inspection failure if not repaired.",
"No smoke detectors or CO alarms visible in photos — missing/insufficient alarms are common immediate fail items under NSPIRE.",
"Bathroom: window located inside shower area — tempered-glass requirement unknown and could be a code issue if untempered.",
"GFCI protection at kitchen and bathroom outlets not confirmed in photos — required and frequently cited on inspections."
],
"confidence": 0.93,
"assumptions": [
"Listing statements (new energy efficient windows, crawlspace encapsulation, new septic, added attic insulation, new rear deck) are accurate and recent.",
"Central HVAC exists and is connected (floor/ceiling vents visible) though the condensing unit/age was not pictured.",
"Kitchen appliances shown in photos (gas range, refrigerator, dishwasher) will remain with the unit and are operable.",
"No active roof leaks or significant hidden water intrusion are present — roof appears intact from photos.",
"Smoke detectors, carbon monoxide alarms, GFCI protection and water heater status were not photographed and should be treated as unknown until verified; absence in photos does not equal presence."
],
"score_method": "mean_of_criteria",
"overall_score": 72.1,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8213644786"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.