2232 5th St NE, Center Point, AL, 35215
Center Point, AL
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 61.90%
Confidence: 77.00%
Based on a single exterior photo and the listing, the property appears in generally fair condition with modest cosmetic and foundation-facing wear. The biggest inspection risks are age-related (pre-1978 lead paint), unknown interior safety items (smoke/CO detectors, GFCI, egress windows), and unverified major systems (HVAC, electrical, plumbing). Likely passable for a HCV initial inspection after 1–4 minor repairs and verification of detectors and system operation; however, further interior inspection is required to confirm compliance and identify any hidden issues.
Property Fundamentals
Property Description
This home is perfect for someone looking to downsize or an investor ready for their next opportunity. This 3-bedroom, 1-bathroom home offers a spacious living room, dining room, generous bedrooms, sizable kitchen, covered deck, and a large backyard. Whether you're simplifying life or looking to expand your investment portfolio this home has the space, updates, and location to make it a win.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Lead‑based paint risk (property built 1957; pre‑1978) — requires disclosure and possible remediation/controls for Section 8.
- Visible deterioration/peeling of brick foundation facing at front — potential moisture intrusion or failing veneer that needs evaluation and repair.
Assumptions
- Assessment based primarily on one exterior photo and the listing description; interior condition, appliances, detectors, and mechanical systems were not provided and are unknown.
- Listing text states 'updates'; I assumed some interior updates but did not assume full modern electrical/ HVAC replacement without documentation.
- At least basic smoke detectors are assumed to be present for scoring, but their locations and functionality are unverified and must be confirmed on inspection.
- No evidence of active roof leaks, severe foundation movement, collapsed ceilings, or standing water was visible from the photo; absence of evidence is not confirmation.
- Appliances (stove/refrigerator) were not shown; missing appliances would be a moderate repair item and not an automatic fail unless associated hazards exist.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $444 | $105,700 | $9,640 |
| 2023 | $444 | $90,200 | $9,020 |
| 2022 | $462 | $93,600 | $9,360 |
| 2021 | $324 | $68,500 | $6,860 |
| 2020 | $330 | $69,500 | $6,960 |
| 2019 | $330 | $69,500 | $6,960 |
| 2018 | $287 | $61,700 | $6,180 |
| 2017 | $287 | $61,700 | $6,180 |
| 2016 | $256 | $61,700 | $6,180 |
| 2015 | $309 | $61,700 | $6,180 |
| 2013 | $257 | $60,900 | $6,100 |
| 2012 | $257 | $60,900 | $6,090 |
| 2011 | $371 | $83,800 | $8,380 |
| 2010 | $428 | $95,100 | $9,510 |
| 2009 | $581 | $95,100 | $9,510 |
| 2008 | $436 | $96,800 | $9,680 |
| 2007 | $459 | $101,300 | $10,130 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-11-25 | Listed | $119,000 |
| 2018-10-22 | Sold | $71,500 |
| 2018-08-09 | Listed | $73,500 |
| 2015-08-24 | Sold | $35,500 |
| 2015-07-03 | Listed | $38,000 |
| 2015-06-12 | Sold | $47,880 |
| 2014-10-14 | Listing removed | $69,000 |
| 2014-09-12 | Price Changed | $69,000 |
| 2014-08-22 | Listed | $77,500 |
| 2011-06-30 | Sold | $60,000 |
| 2011-04-25 | Price Changed | $64,900 |
| 2011-02-28 | Listed | $69,900 |
| 2001-09-07 | Sold | $71,000 |
| 1995-03-27 | Sold | $59,000 |
Photo Gallery
Show raw JSON (debug)
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"total": 95100,
"building": 61200
},
"assessment": {
"land": 3390,
"total": 9510,
"building": 6120
}
},
{
"tax": 436,
"year": 2008,
"market": {
"land": 33900,
"total": 96800,
"building": 62900
},
"assessment": {
"land": 3390,
"total": 9680,
"building": 6290
}
},
{
"tax": 459,
"year": 2007,
"market": {
"land": 39600,
"total": 101300,
"building": 61700
},
"assessment": {
"land": 3960,
"total": 10130,
"building": 6170
}
}
],
"property_history": [
{
"date": "2025-11-25",
"price": 119000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-25T14:33:38Z",
"list_price": 119000,
"listing_id": "2988986539",
"last_update_date": "2026-02-16T01:46:19Z",
"last_status_change_date": "2025-11-25T14:33:38Z"
},
"event_name": "Listed",
"price_sqft": 113.33333333333333,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21437635",
"price_change_percentage": "+66.43%"
},
{
"date": "2018-10-22",
"price": 71500,
"listing": {
"status": "sold",
"list_date": "2018-10-23T18:20:31Z",
"list_price": 73500,
"listing_id": "636417579",
"last_update_date": "2018-10-23T18:10:56Z",
"last_status_change_date": "2018-10-23T18:20:31Z"
},
"event_name": "Sold",
"price_sqft": 68.0952380952381,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "74 days",
"source_listing_id": "825748",
"price_change_percentage": "-2.72%"
},
{
"date": "2018-08-09",
"price": 73500,
"listing": {
"status": "sold",
"list_date": "2018-10-23T18:20:31Z",
"list_price": 73500,
"listing_id": "636417579",
"last_update_date": "2018-10-23T18:10:56Z",
"last_status_change_date": "2018-10-23T18:20:31Z"
},
"event_name": "Listed",
"price_sqft": 70,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "825748",
"price_change_percentage": "+107.04%"
},
{
"date": "2015-08-24",
"price": 35500,
"listing": {
"status": "sold",
"list_date": "2015-07-03T07:00:00Z",
"list_price": 38000,
"listing_id": "598437063",
"last_update_date": "2015-08-26T23:15:00Z",
"last_status_change_date": "2015-08-24T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "52 days",
"source_listing_id": "721990",
"price_change_percentage": "-6.58%"
},
{
"date": "2015-07-03",
"price": 38000,
"listing": {
"status": "sold",
"list_date": "2015-07-03T07:00:00Z",
"list_price": 38000,
"listing_id": "598437063",
"last_update_date": "2015-08-26T23:15:00Z",
"last_status_change_date": "2015-08-24T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "721990",
"price_change_percentage": "-20.63%"
},
{
"date": "2015-06-12",
"price": 47880,
"listing": null,
"event_name": "Sold",
"price_sqft": 45.6,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-38.22%"
},
{
"date": "2014-10-14",
"price": 69000,
"listing": {
"status": "off_market",
"list_date": "2014-08-22T07:00:00Z",
"list_price": 69000,
"listing_id": "586738067",
"last_update_date": "2014-09-13T05:17:27Z",
"last_status_change_date": "2014-08-22T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "53 days",
"source_listing_id": "607497",
"price_change_percentage": null
},
{
"date": "2014-09-12",
"price": 69000,
"listing": {
"status": "off_market",
"list_date": "2014-08-22T07:00:00Z",
"list_price": 69000,
"listing_id": "586738067",
"last_update_date": "2014-09-13T05:17:27Z",
"last_status_change_date": "2014-08-22T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -8500,
"days_after_listed": null,
"source_listing_id": "607497",
"price_change_percentage": null
},
{
"date": "2014-08-22",
"price": 77500,
"listing": {
"status": "off_market",
"list_date": "2014-08-22T07:00:00Z",
"list_price": 69000,
"listing_id": "586738067",
"last_update_date": "2014-09-13T05:17:27Z",
"last_status_change_date": "2014-08-22T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "607497",
"price_change_percentage": "+29.17%"
},
{
"date": "2011-06-30",
"price": 60000,
"listing": {
"status": "sold",
"list_date": "2011-02-28T07:00:00Z",
"list_price": 64900,
"listing_id": "526281107",
"last_update_date": "2011-07-01T06:59:51Z",
"last_status_change_date": "2011-06-30T07:00:00Z"
},
"event_name": "Sold",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "122 days",
"source_listing_id": "492327",
"price_change_percentage": "-14.16%"
},
{
"date": "2011-04-25",
"price": 64900,
"listing": {
"status": "sold",
"list_date": "2011-02-28T07:00:00Z",
"list_price": 64900,
"listing_id": "526281107",
"last_update_date": "2011-07-01T06:59:51Z",
"last_status_change_date": "2011-06-30T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "492327",
"price_change_percentage": null
},
{
"date": "2011-02-28",
"price": 69900,
"listing": {
"status": "sold",
"list_date": "2011-02-28T07:00:00Z",
"list_price": 64900,
"listing_id": "526281107",
"last_update_date": "2011-07-01T06:59:51Z",
"last_status_change_date": "2011-06-30T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "492327",
"price_change_percentage": "-1.55%"
},
{
"date": "2001-09-07",
"price": 71000,
"listing": null,
"event_name": "Sold",
"price_sqft": 67.61904761904762,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
},
{
"date": "1995-03-27",
"price": 59000,
"listing": null,
"event_name": "Sold",
"price_sqft": 56.19047619047619,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8230411311",
"generated_at": "2026-02-16T03:03:44.853752Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 61.9
},
"utility_allowance": {
"zip_code": "35215",
"home_photo": "https://ap.rdcpix.com/e38dfa55acd96e0872ae2b60d02bb07el-m1902032381s-w1280.jpg",
"rent_price": 1366.0,
"loan_amount": 95200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2232-5th-St-NE_Center-Point_AL_35215_M82304-11311",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 119000.0,
"loan_term_years": 30,
"annual_cash_flow": 13420.48,
"mortgage_monthly": 633.37,
"payment_standard": 1738.0,
"total_amount_out": 23800.0,
"additional_photos": [],
"down_payment_rate": 0.2,
"insurance_monthly": 72.92,
"monthly_cash_flow": 1118.37,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'Elec Heat: Ala Power' for a 3-bedroom unit. The property's heating fuel was not specified. Electric was chosen as it is consistent with the explicitly mentioned electric oven and electric water heater. Alabama Power is a major provider in the area.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. The property has central cooling, and Alabama Power was chosen as the inferred electric provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The property is listed with an 'Oven-Electric'. Alabama Power was chosen as the inferred electric provider.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. The property is explicitly listed with an 'Electric (WTRHTR)' water heater. Alabama Power was chosen as the inferred electric provider.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit. This covers general electrical use not included in other categories. Alabama Power was chosen as the inferred electric provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Selected the fixed allowance for a tenant-owned refrigerator. The property information does not state that a refrigerator is provided.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Selected the fixed allowance for a tenant-owned range/microwave. The property information does not state that a microwave is provided.",
"utility": "Range/Microwave",
"allowance": 6
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. The property has public water. Birmingham Water Works is a primary provider in Jefferson County and was selected as the most expensive option in the absence of a specified provider.",
"utility": "Water",
"allowance": 78
},
{
"note": "Allowance is $0 because the property is listed as having a 'Septic' system, not a public sewer connection.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Selected 'Jefferson City (Once per week)' for a 3-bedroom unit. Center Point is not listed as a specific trash provider, so the general county option was chosen as the most reasonable inference.",
"utility": "Trash Collection",
"allowance": 20
}
],
"cash_on_cash_return": 0.56,
"down_payment_amount": 23800.0,
"property_tax_annual": 457.32,
"property_tax_monthly": 38.11,
"property_tax_increase": 0.03,
"utility_allowance_total": 372.0,
"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": 5820.06,
"property_management_monthly": 136.6,
"monthly_cash_flow_after_debt": 485.01,
"cash_on_cash_return_after_debt": 0.24
},
"section8_assessment": {
"runs": [
{
"summary": "Based on a single exterior photo and the listing, the property appears in generally fair condition with modest cosmetic and foundation-facing wear. The biggest inspection risks are age-related (pre-1978 lead paint), unknown interior safety items (smoke/CO detectors, GFCI, egress windows), and unverified major systems (HVAC, electrical, plumbing). Likely passable for a HCV initial inspection after 1–4 minor repairs and verification of detectors and system operation; however, further interior inspection is required to confirm compliance and identify any hidden issues.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photo shows generally sound siding and a maintained lawn; cosmetic wear on brick foundation (peeling/erosion) and porch finishes evident. Porch railing and steps appear serviceable but show paint wear. No visible collapsed surfaces or major exterior structural damage. Interior condition unknown from photos; missing appliances not observed in listing but would be moderate fixes if absent. Overall moderate cosmetics and minor repairs likely."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 65.0,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, standing water, or exposed wiring in the photo). Home built 1957 creates a statutory lead‑paint risk that requires mitigation/notification. Smoke/CO detectors, GFCI outlets, egress window compliance, and door hardware/deadbolt cannot be confirmed from exterior image — assumed present for scoring but represent inspection risks. Brick deterioration near foundation suggests potential moisture pathways that should be checked. Overall some code risk due to age and unknown interior systems."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 60.0,
"rationale": "Roof appears intact from the provided angle but age cannot be determined; no visible major sagging or active leaks. No exterior HVAC equipment visible in photo (could be rear or interior) and mechanical equipment condition is unknown. Electrical panel, water heater and plumbing condition are not visible. Given age (1957) and visible brick/soffit staining, moderate risk for aging systems and likely need for verification/possible servicing."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, well‑kept yard and accessible driveway; walk to main entry with steps and a covered porch. Siding looks generally intact; brick foundation shows peeling/erosion and localized wear at the front that may indicate moisture or previous patching. No visible major grading/standing water on lawn; drainage near driveway edge looks modified. Overall tidy curb appeal with localized exterior maintenance needs."
}
],
"red_flags": [
"Lead‑based paint risk (property built 1957; pre‑1978) — requires disclosure and possible remediation/controls for Section 8.",
"Visible deterioration/peeling of brick foundation facing at front — potential moisture intrusion or failing veneer that needs evaluation and repair."
],
"confidence": 0.6,
"assumptions": [
"Assessment based primarily on one exterior photo and the listing description; interior condition, appliances, detectors, and mechanical systems were not provided and are unknown.",
"Listing text states 'updates'; I assumed some interior updates but did not assume full modern electrical/ HVAC replacement without documentation.",
"At least basic smoke detectors are assumed to be present for scoring, but their locations and functionality are unverified and must be confirmed on inspection.",
"No evidence of active roof leaks, severe foundation movement, collapsed ceilings, or standing water was visible from the photo; absence of evidence is not confirmation.",
"Appliances (stove/refrigerator) were not shown; missing appliances would be a moderate repair item and not an automatic fail unless associated hazards exist."
],
"overall_score": 68.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Moderate inspection risk. The property presents as an older, mostly intact single-family home with cosmetic and finish deterioration at the foundation/porch area and unverified interior systems. Key life-safety and NSPIRE items (smoke/CO detectors, GFCI, bedroom egress, electrical panel condition, HVAC operation) cannot be confirmed from the exterior photo and should be verified; until then the property is rated as likely requiring moderate repairs and documentation to pass an initial HCV inspection (approximately 30–60 days to address outstanding items).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 65.0,
"rationale": "Front exterior photo shows generally intact siding and windows but noticeable cosmetic and finish deterioration at the brick foundation/veneer and weathered porch/rail paint. No visible broken windows or collapsed elements. Missing interior photos; listing says 'updates' but not specified. Minor-to-moderate cosmetic and finish repairs likely (paint, porch/rail sanding or replacement, possible garage door touch-up). Missing appliances not observed in photos; even if missing they would be an easy-to-fix capital item and reduce readiness moderately but not catastrophically."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 50.0,
"rationale": "Exterior view shows no immediate life-threatening hazards (no collapsed ceilings, no standing water, no visible structural sag). However critical items required by NSPIRE cannot be confirmed from the photo: presence/placement of smoke and CO detectors, GFCI protection in kitchen/bath, electrical panel condition, and bedroom egress windows. The front porch railing appears weathered and may not meet required stability/height. Built in 1957 — potential lead-risk paint on exterior surfaces. Because these compliance items are unverified, this is a moderate inspection risk until interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 50.0,
"rationale": "No rooftop collapse or obvious severe roof damage visible from the photo; roof appears low-slope and aged which may mean limited remaining life but no active leak evidence from exterior. No exterior HVAC condenser is visible in the photo (could be located elsewhere or use window units). Water heater, furnace, electrical panel and plumbing cannot be confirmed from the exterior image. Given the house age and lack of visible HVAC/utility evidence, treat systems as unverified — moderate risk until service records or interior inspection confirm operation."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site condition",
"score": 60.0,
"rationale": "Yard is well-maintained and slope appears to direct water away from front foundation; sidewalk/stairs in place. Visible peeling/damaged finish on brick foundation/veneer on the front which could indicate prior moisture, damaged mortar, or simply failing paint/finish. Driveway and garage door present. No visible major foundation settlement or large cracks in the supplied photo. Overall exterior is functional but shows deferred cosmetic maintenance and localized deterioration."
}
],
"red_flags": [
"Peeling/deteriorated exterior finish on brick foundation/veneer — potential moisture intrusion and cosmetic failure; could indicate deeper issues.",
"Peeling/weathered paint on original 1957 construction — potential lead-based paint hazard that requires assessment/remediation.",
"Front porch railing/guardrail appears weathered and may not meet stability/height requirements (possible handrail/guardrail failure)."
],
"confidence": 0.55,
"assumptions": [
"Interior condition, presence/function of smoke and CO detectors, GFCI outlets, and electrical panel are not visible; assume they may be missing or non-compliant until verified.",
"Listing statement 'updates' implies some interior improvements but specifics (appliances, HVAC, water heater) are not provided; assume appliances may be missing or older.",
"Roof appears intact from the front view but is aged; assume no active, visible roof leaks but potential mid-term replacement need.",
"No exterior HVAC condenser was visible in the provided photo; assume HVAC may be present but not visible from photo (could be on rear of property).",
"Porch railing is weathered and may not meet current code/stability requirements; assume it needs repair or reinforcement.",
"Because the house was built in 1957, assume the potential for lead-based paint on exterior surfaces and require lead-risk assessment or safe paint remediation if disturbed."
],
"overall_score": 57.0,
"rubric_version": "1.0"
},
{
"summary": "Based on the single exterior photo and listing text, this 1957 3-bed/1-bath house appears to be in fair to good condition with mostly cosmetic and medium-scale exterior repairs needed (paint, porch railing, minor masonry). Key NSPIRE items (smoke/CO detectors, GFCI, egress windows, verification of working HVAC, hot water, and electrical panel) are not visible and represent moderate inspection risk. The most significant concerns prior to a passing HCV inspection are potential lead-based paint hazards (peeling paint), the deteriorated porch railing/handrail compliance, and confirmation of functioning heating and electrical safety features. With targeted repairs and interior verification, the property is likely rent-ready within 30 days, but it will require confirmation/installation of life-safety items to pass an initial HCV inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 70.0,
"rationale": "Exterior shows moderate deferred maintenance: peeling paint and spalling on the brick skirt, worn/aged porch railings and stairs, and weathered siding/paint. Lawn and driveway appear maintained. No obvious collapsed or severely damaged elements visible. Missing interior photos prevent confirmation of appliance condition; listing states 'updates' which suggests some interior work but cannot be verified. Overall these are mostly cosmetic/medium-scale repairs (paint, rail repair, minor masonry patching) that are straightforward capital work and should not be catastrophic to remedy."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 55.0,
"rationale": "Photo and listing do not show required life-safety items (smoke/CO detectors), GFCI outlets, or bedroom egress windows; these items are frequently inspected and must be verified on-site. Visible peeling exterior paint on a 1957 house creates a potential lead-paint risk (pre-1978 construction) and is a NSPIRE concern. The front porch railing looks deteriorated and may not meet handrail/guardrail code. No exposed live electrical or collapsed structural elements are visible from the exterior photo. Because many critical safety items cannot be confirmed from the single exterior image, there is moderate inspection risk until interior verification."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, electrical, plumbing)",
"score": 50.0,
"rationale": "Roof appears intact from the single-angle photo (no visible sag or large missing areas) but slope/age cannot be fully assessed. No exterior HVAC condenser or mechanical equipment is visible from the front photo; absence in the photo is not proof of missing heating/cooling but is an open question for inspection. No visible water stains, plumbing leaks, or severely compromised chimney/venting are apparent. Given the home's 1957 construction, electrical and plumbing systems should be checked for updates; until interior inspection of panel, outlets (GFCI), HVAC operation, and hot water are performed, system risk remains moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 70.0,
"rationale": "Yard and front grading look well-maintained; driveway and front lawn are clean and accessible. Siding and windows appear serviceable; however the brick foundation skirt shows paint failure and spalling which could indicate moisture contact and will need patching/repairs. Gutters/soffit area show minor misalignment at one end which could affect drainage if not corrected. No visible standing water, severe erosion, or rodent/insect infestation evidence in the provided photo."
}
],
"red_flags": [
"Peeling exterior paint on a 1957 house — potential lead-based paint hazard requiring evaluation and remediation.",
"Deteriorated front porch railing and stairs — possible non-compliant or missing handrail/guardrail creating a fall hazard.",
"Brick skirt spalling/paint failure at foundation level — potential moisture intrusion that should be evaluated (may mask water damage)."
],
"confidence": 0.6,
"assumptions": [
"Interior condition (flooring, walls, appliances) is unknown; listing statement 'updates' suggests some interior updates but they are not verified in photos.",
"No appliances (stove/fridge) are assumed present but not counted as critical safety failures; missing appliances would be a moderate, fixable issue.",
"Heating and hot water systems are likely present but not visible from the front photo; their operational status is unknown.",
"Smoke and carbon monoxide detectors, GFCI protection, and proper egress windows are not visible and assumed unverified; they will need to be confirmed or installed.",
"No visible active roof leaks, collapsed ceilings, or major foundation displacement were observed; foundation appears intact though brick spalling may indicate localized moisture.",
"Exterior slope and yard drainage appear generally away from living areas; possible localized gutter misalignment may need repair to prevent future moisture intrusion."
],
"overall_score": 61.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2232 5th St NE, Center Point, AL, 35215",
"aggregate": {
"summary": "Based on a single exterior photo and the listing, the property appears in generally fair condition with modest cosmetic and foundation-facing wear. The biggest inspection risks are age-related (pre-1978 lead paint), unknown interior safety items (smoke/CO detectors, GFCI, egress windows), and unverified major systems (HVAC, electrical, plumbing). Likely passable for a HCV initial inspection after 1–4 minor repairs and verification of detectors and system operation; however, further interior inspection is required to confirm compliance and identify any hidden issues.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Exterior photo shows generally sound siding and a maintained lawn; cosmetic wear on brick foundation (peeling/erosion) and porch finishes evident. Porch railing and steps appear serviceable but show paint wear. No visible collapsed surfaces or major exterior structural damage. Interior condition unknown from photos; missing appliances not observed in listing but would be moderate fixes if absent. Overall moderate cosmetics and minor repairs likely."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 66.7,
"rationale": "Large, well‑kept yard and accessible driveway; walk to main entry with steps and a covered porch. Siding looks generally intact; brick foundation shows peeling/erosion and localized wear at the front that may indicate moisture or previous patching. No visible major grading/standing water on lawn; drainage near driveway edge looks modified. Overall tidy curb appeal with localized exterior maintenance needs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 56.7,
"rationale": "No obvious life‑threatening hazards visible (no collapsed ceilings, standing water, or exposed wiring in the photo). Home built 1957 creates a statutory lead‑paint risk that requires mitigation/notification. Smoke/CO detectors, GFCI outlets, egress window compliance, and door hardware/deadbolt cannot be confirmed from exterior image — assumed present for scoring but represent inspection risks. Brick deterioration near foundation suggests potential moisture pathways that should be checked. Overall some code risk due to age and unknown interior systems."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 53.3,
"rationale": "Roof appears intact from the provided angle but age cannot be determined; no visible major sagging or active leaks. No exterior HVAC equipment visible in photo (could be rear or interior) and mechanical equipment condition is unknown. Electrical panel, water heater and plumbing condition are not visible. Given age (1957) and visible brick/soffit staining, moderate risk for aging systems and likely need for verification/possible servicing."
}
],
"red_flags": [
"Lead‑based paint risk (property built 1957; pre‑1978) — requires disclosure and possible remediation/controls for Section 8.",
"Visible deterioration/peeling of brick foundation facing at front — potential moisture intrusion or failing veneer that needs evaluation and repair."
],
"confidence": 0.77,
"assumptions": [
"Assessment based primarily on one exterior photo and the listing description; interior condition, appliances, detectors, and mechanical systems were not provided and are unknown.",
"Listing text states 'updates'; I assumed some interior updates but did not assume full modern electrical/ HVAC replacement without documentation.",
"At least basic smoke detectors are assumed to be present for scoring, but their locations and functionality are unverified and must be confirmed on inspection.",
"No evidence of active roof leaks, severe foundation movement, collapsed ceilings, or standing water was visible from the photo; absence of evidence is not confirmation.",
"Appliances (stove/refrigerator) were not shown; missing appliances would be a moderate repair item and not an automatic fail unless associated hazards exist."
],
"score_method": "mean_of_criteria",
"overall_score": 61.9,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8230411311"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.