Property ID: 8250982111

1709 3rd St NW, Center Point, AL, 35215

Center Point, AL

For Sale Feb 16, 2026 03:05 AM UTC Realtor Street View
Money Down: $31,200 CoC Return: 4.92% Monthly Cash Flow: $128
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$26,000
Closing Costs
$5,200
Total Down
$31,200
Primary property image

Investment Snapshot

Purchase Price
$130,000
Money Down
$31,200
Cash-on-Cash Return
4.92%
Rent
$1,144
Monthly Cash Flow
$128
Annual Cash Flow
$1,536
Debt Service / Mo
$692
Property Tax / Mo
$121
Insurance / Mo
$89

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,144
Payment Standard
$1,738
Rent
$1,144
Insurance
$89
Property Tax
$121
Management
$114
Utilities Allowance
$594
NOI (Monthly)
$820
Debt Service
$692
Cash Flow After Debt
$128

Quality Score: 71.30%

Confidence: 92.00%

Overall this single-family home appears largely rent-ready with mostly cosmetic updates and a few checklist items to complete for an initial HCV/NSPIRE inspection. Primary near-term tasks: confirm and install required smoke/CO detectors and GFCI protection, verify HVAC/water heater/electrical panel operation, install a range/stove (and fridge if not supplied), address worn hardwood floor areas and cabinet trim, and confirm egress window sizes. No visible structural or life‑threatening hazards were observed in the provided photos. With the listed fixes (many are quick/low-cost) the property is likely to pass an initial Section 8 inspection within 2–4 weeks.

Section 8 Payment Standard
$1,738
Utility Allowance Total
$594
Guaranteed Section 8 Rent (PS - Utilities)
$1,144
Property Management
$114

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$130,000
Beds
3
Baths
1.5
Living Area
1,100 sqft
Lot Size
15,246 sqft
Year Built
1952
Days on Market
94
Capital Outlay
$31,200
Debt Service
$692
Property Tax / Mo
$121
Insurance / Mo
$89

Property Description

This 3 bedroom, 2 bath home offers a great combination of updates, space, and location. Inside, you will find beautiful hardwood flooring, some new windows, and a bright kitchen with granite countertops. The layout provides comfortable living areas with solid potential for future value. The home sits on a nicely sized, flat lot that is perfect for outdoor enjoyment and easy maintenance. Conveniently located just minutes from shopping, dining, parks, and everyday essentials, this property is an excellent opportunity for buyers or investors looking for affordability, convenience, and long term appeal.

Utility Allowances

heating
$93
Property has central heating. Fuel is assumed to be electric based on the electric water heater and lack of gas indicators. The most expensive electric option (Ala Power) was chosen as the provider is not specified.
cooling
$22
Property has central cooling, which is electric. The most expensive option (Alabama Power) was chosen as the provider is not specified.
water_heating
$56
Property has an electric water heater. The most expensive electric option (Ala Power) was chosen as the provider is not specified.
cooking
$21
No stove or range is mentioned as included, so it is assumed to be tenant-supplied. Fuel is assumed to be electric based on other systems. The most expensive electric option (Ala Power) was chosen.
other_electric
$68
This covers general electricity for lights and outlets. The most expensive provider option (Ala Power) was selected as the specific provider is unknown.
refrigerator
$8
A refrigerator is not stated as included, so it is assumed to be tenant-owned. The allowance is a fixed value from the schedule for a tenant-supplied appliance.
range_microwave
$6
A microwave is not stated as included, so it is assumed to be tenant-owned. The allowance is a fixed value from the schedule for a tenant-supplied appliance.
water
$129
Property is on public water, but the provider is not specified. The most expensive option (Mulga) was selected from the schedule per the rules for unclear providers.
sewer
$151
Property is specified as being connected to public sewer. The allowance is a fixed value for a 3-bedroom unit from the schedule.
trash_collection
$40
Trash collection is a standard utility for a single-family home. The provider for Center Point is not specified in the schedule, so the most expensive option (Fairfield ISCL) was chosen per the rules.

Source References

Payment Standard Source
Effective Date: Jan 01, 2026
Utility Allowance Source
Effective Date: Jan 01, 2026

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$900
DP3 Annual Estimate$1,228
DP1 Monthly Equivalent$75
DP3 Monthly Equivalent$102
Replacement Value$128,300
Basis1,100 sqft / 1952

Nearby Houses

Nearby house 1
Photo unavailable

1708 3rd St NW

sold · 0.05 mi
Price: $182,000
3 bd / 2 ba · 2,045 sqft
Latest sale: $182,000
Latest rent: —
Nearby house 2
Photo unavailable

304 17th Ave NW

sold · 0.06 mi
Price: $200,000
4 bd / 2 ba · 1,258 sqft
Latest sale: $200,000
Latest rent: —
Nearby house 3
Photo unavailable

213 18th Ave NW

sold · 0.06 mi
Price: $152,500
3 bd / 3 ba · 1,416 sqft
Latest sale: $152,500
Latest rent: —
Nearby house 4
Photo unavailable

1660 3rd St NW

sold · 0.07 mi
Price: $110,000
4 bd / 2 ba · 1,350 sqft
Latest sale: $110,000 on Sep 28, 2018
Latest rent: —
Nearby house 5
Photo unavailable

1653 3rd St NW

sold · 0.09 mi
Price: $68,000
3 bd / 2 ba · 1,066 sqft
Latest sale: $68,000
Latest rent: —

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Listing photos represent the full interior condition; unseen areas (attic, crawlspace, mechanical closet) may contain additional issues but none were visible.
  • Central HVAC exists and vents are connected to a functional system; HVAC equipment not pictured but presumed operational until tested.
  • No active roof leaks or major foundation movement beyond what is visible in exterior photo.
  • Smoke alarm shown in living area; additional required smoke alarms and CO alarm(s) will need verification/installation per local code/NSPIRE.
  • Electrical panel and grounding exist but were not photographed; GFCI protection at kitchen and bathroom may be missing and will likely need verification/installation.
  • Stove/range is not present in photos; landlord will need to supply or tenant-provided appliances are acceptable per program rules. Refrigerator presence is not confirmed.
  • Bedroom windows provide egress sized appropriately; sizes not measured from photos but appear typical for bedrooms in a 1950s ranch.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,410 $146,900 $27,380
2023 $1,338 $121,500 $24,300
2022 $487 $88,300 $8,840
2021 $392 $86,400 $8,640
2020 $336 $74,700 $7,480
2019 $359 $74,700 $7,480
2018 $311 $66,200 $6,620
2017 $311 $66,200 $6,620
2016 $278 $66,200 $6,620
2015 $278 $66,200 $6,620
2013 $278 $61,900 $6,200
2012 $278 $65,110 $6,511
2011 $318 $73,200 $7,320
2010 $335 $76,500 $7,650
2009 $335 $76,500 $7,650
2008 $343 $78,100 $7,810
2007 $338 $77,200 $7,720

Sale History

DateEventPrice
2025-11-14 Listed $130,000
2025-10-25 Listing removed $0
2025-10-25 Listing removed $0
2025-10-24 Listing removed $0
2025-10-23 Listed for rent $1,300
2025-10-22 Listed for rent $1,428
2025-08-08 Listed $130,000
2022-08-09 Listing removed $1,195
2022-06-07 Sold $165,000
2022-05-05 Listing removed $0
2022-05-04 Listing removed $0
2022-04-28 Listed for rent $1,200
2022-04-28 Listed for rent $1,200
2022-01-15 Sold $70,000

Photo Gallery

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    "insurance_monthly": 88.67,
    "monthly_cash_flow": 819.91,
    "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 has central heating. Fuel is assumed to be electric based on the electric water heater and lack of gas indicators. The most expensive electric option (Ala Power) was chosen as the provider is not specified.",
        "utility": "heating",
        "allowance": 93
      },
      {
        "note": "Property has central cooling, which is electric. The most expensive option (Alabama Power) was chosen as the provider is not specified.",
        "utility": "cooling",
        "allowance": 22
      },
      {
        "note": "Property has an electric water heater. The most expensive electric option (Ala Power) was chosen as the provider is not specified.",
        "utility": "water_heating",
        "allowance": 56
      },
      {
        "note": "No stove or range is mentioned as included, so it is assumed to be tenant-supplied. Fuel is assumed to be electric based on other systems. The most expensive electric option (Ala Power) was chosen.",
        "utility": "cooking",
        "allowance": 21
      },
      {
        "note": "This covers general electricity for lights and outlets. The most expensive provider option (Ala Power) was selected as the specific provider is unknown.",
        "utility": "other_electric",
        "allowance": 68
      },
      {
        "note": "A refrigerator is not stated as included, so it is assumed to be tenant-owned. The allowance is a fixed value from the schedule for a tenant-supplied appliance.",
        "utility": "refrigerator",
        "allowance": 8
      },
      {
        "note": "A microwave is not stated as included, so it is assumed to be tenant-owned. The allowance is a fixed value from the schedule for a tenant-supplied appliance.",
        "utility": "range_microwave",
        "allowance": 6
      },
      {
        "note": "Property is on public water, but the provider is not specified. The most expensive option (Mulga) was selected from the schedule per the rules for unclear providers.",
        "utility": "water",
        "allowance": 129
      },
      {
        "note": "Property is specified as being connected to public sewer. The allowance is a fixed value for a 3-bedroom unit from the schedule.",
        "utility": "sewer",
        "allowance": 151
      },
      {
        "note": "Trash collection is a standard utility for a single-family home. The provider for Center Point is not specified in the schedule, so the most expensive option (Fairfield ISCL) was chosen per the rules.",
        "utility": "trash_collection",
        "allowance": 40
      }
    ],
    "cash_on_cash_return": 0.38,
    "down_payment_amount": 26000.0,
    "property_tax_annual": 1452.3,
    "property_tax_monthly": 121.02,
    "property_tax_increase": 0.03,
    "utility_allowance_total": 594.0,
    "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": 1535.92,
    "property_management_monthly": 114.4,
    "monthly_cash_flow_after_debt": 127.99,
    "cash_on_cash_return_after_debt": 0.06
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "Overall this single-family home appears largely rent-ready with mostly cosmetic updates and a few checklist items to complete for an initial HCV/NSPIRE inspection. Primary near-term tasks: confirm and install required smoke/CO detectors and GFCI protection, verify HVAC/water heater/electrical panel operation, install a range/stove (and fridge if not supplied), address worn hardwood floor areas and cabinet trim, and confirm egress window sizes. No visible structural or life‑threatening hazards were observed in the provided photos. With the listed fixes (many are quick/low-cost) the property is likely to pass an initial Section 8 inspection within 2–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently painted with intact hardwood floors but visible surface wear and scuffs. Kitchen cabinets and base cabinets show cosmetic damage and some missing trim; one stove space is empty (no range present) though dishwasher is installed. Bathroom tile and tub show age and staining but no obvious structural failure. Overall issues are cosmetic and appliance/millwork replacement or touch-ups — easy-to-fix, capital-only items. No large areas of collapsed finishes observed."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk",
            "score": 70.0,
            "rationale": "No visible exposed wiring, collapsed ceilings, or severe mold. A smoke alarm is visible in the living area; CO detector not shown (likely required in Alabama for gas appliances). Bedrooms have windows that appear to provide egress but sizes are not confirmed. Entry door has a knob and exterior security storm door is present but deadbolt not visible. GFCI receptacles at kitchen sink and bathroom are not visible in photos. Plumbing fixtures and bathtub/shower present. Because key life-safety items (CO detector, GFCI protection, deadbolt, verified egress) are not shown, finish-up of required devices is likely before pass but no immediate life-threatening hazards are visible."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical",
            "score": 65.0,
            "rationale": "Floor registers indicate central HVAC ducting; system equipment (furnace/AC condensing unit/water heater/electrical panel) is not photographed. Roof appears intact from front photo with no visible sagging or active leaks. Because mechanical equipment is unverified, assume normal operation but note risk: older home (1952) may have older systems requiring service. No visible severe plumbing leaks or water intrusion in interior photos. Recommend verification/service of HVAC, water heater, and electrical panel prior to move-in."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 80.0,
            "rationale": "Exterior shows a flat, level lot, brick skirt and siding in serviceable condition, paved driveway and carport. Trees are close but not obviously impacting structure. Porch steps have a handrail. No standing water, major foundation cracks, or visible termite/infestation evidence in photos. Some cosmetic landscaping and gutter/downspout details are not shown but nothing visible suggests major exterior rehab."
          }
        ],
        "red_flags": [],
        "confidence": 0.7,
        "assumptions": [
          "Listing photos represent the full interior condition; unseen areas (attic, crawlspace, mechanical closet) may contain additional issues but none were visible.",
          "Central HVAC exists and vents are connected to a functional system; HVAC equipment not pictured but presumed operational until tested.",
          "No active roof leaks or major foundation movement beyond what is visible in exterior photo.",
          "Smoke alarm shown in living area; additional required smoke alarms and CO alarm(s) will need verification/installation per local code/NSPIRE.",
          "Electrical panel and grounding exist but were not photographed; GFCI protection at kitchen and bathroom may be missing and will likely need verification/installation.",
          "Stove/range is not present in photos; landlord will need to supply or tenant-provided appliances are acceptable per program rules. Refrigerator presence is not confirmed.",
          "Bedroom windows provide egress sized appropriately; sizes not measured from photos but appear typical for bedrooms in a 1950s ranch."
        ],
        "overall_score": 72.0,
        "rubric_version": "nsPIRE-v1.0-2026-02"
      },
      {
        "summary": "Likely rentable for Section 8 with minor to moderate work. Property shows good cosmetic condition and basic systems appear present; most items visible are cosmetic or appliance-level. Primary issues to address before NSPIRE inspection: install/verify CO alarm (if required), install/confirm GFCI protection in kitchen/bath, provide a cooking appliance or clearly document tenant-supplied stove policy, and verify operation/age of HVAC, water heater and electrical panel. No obvious structural failures or life-safety hazards were observed in the photos.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently painted and generally clean; hardwood floors are worn with scuffs and surface damage in places but are intact. Kitchen cabinets are serviceable but show cosmetic wear and a stove is not present in the pictured alcove (blank-out under hood). Bathroom fixtures are present; tile and vanity are older and need minor cosmetic work (grout/caulk, replace missing tile edge). Overall defects are mostly cosmetic and repair/capital in nature rather than structural."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 70.0,
            "rationale": "A functioning smoke detector is visible in the living area. Bedrooms have windows that appear large enough for egress. No exposed wiring or obvious structural defects visible. However, no carbon monoxide alarm is visible in photos (required if fuel-burning appliances present); GFCI protection at kitchen/bath outlets is not visible; deadbolt on exterior door is not visible in photos. No active roof leaks, collapsed ceilings, or major trip hazards are apparent. These unknowns reduce the score moderately."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems / Mechanical Condition",
            "score": 65.0,
            "rationale": "Floor/ceiling vents are visible indicating a central HVAC duct system likely present, but neither the HVAC unit nor water heater or electrical panel are shown—age and operational status are unknown. Roof visible from front photo appears intact with no obvious sagging. Kitchen has a dishwasher and vent hood (vent light functioning), but the cooking appliance is missing. Plumbing fixtures are present; no visible active leaks. Lack of verifiable mechanical equipment reduces confidence and score."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 85.0,
            "rationale": "Exterior facade, driveway and carport appear serviceable. Lot is flat and well-drained in photos; yard and fencing look maintained. No visible foundation cracking, major siding damage, or standing water. Large trees are close to the house which is a long-term maintenance consideration but not an immediate inspection failure."
          }
        ],
        "red_flags": [],
        "confidence": 0.65,
        "assumptions": [
          "Central HVAC exists and is connected (floor vents visible) and operational or repairable; no photos of outdoor condensing unit or furnace were provided.",
          "Water heater, electrical panel and main utilities are present and functional but were not photographed; their condition is unknown.",
          "Smoking detector shown is functional; additional detectors (bedrooms/hallways) may be required but not visible in all photos.",
          "Cooking appliance (stove/range) is not present in the photos; assume landlord will supply or install before leasing to voucher tenants.",
          "No active roof leaks or major foundation movement based on visible exterior and interior ceilings/walls (no staining, sagging or large cracks visible).",
          "GFCI outlets and carbon monoxide alarms are not visible and therefore assumed not present unless provided separately by owner.",
          "Windows in bedrooms provide compliant egress based on visible size and placement."
        ],
        "overall_score": 73.0,
        "rubric_version": "1.0"
      },
      {
        "summary": "Overall the house appears rentable with mostly cosmetic and minor code-related items to address. Visible strengths: intact roofline, solid hardwood floors, refreshed paint, functional kitchen cabinets and counters, and bedroom egress windows. Likely work before passing a HCV/NSPIRE inspection: install/verify smoke detectors in bedrooms/hallways, add CO alarm if required, install GFCI protection in kitchen/bath as required, provide a working range and refrigerator (or confirm tenant-supplied agreement), repair lower kitchen cabinet base and caulking around tub. No major structural or life-safety failures were visible in photos. With ~1–4 targeted fixes and verification of mechanicals (HVAC, hot water, electrical panel), the property should be able to pass an initial inspection within 2–6 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 72.0,
            "rationale": "Property shows mostly cosmetic, surface-level issues: hardwood floors are worn/scuffed but intact, paint and trim look recently refreshed, cabinets show wear and some doors/bases need repair, and kitchen is missing a range and likely refrigerator (space and hookups visible). Bathroom fixtures and tile are older but appear serviceable. No visible major structural or water-damage repairs in photos. Missing appliances reduce readiness moderately but are not an automatic fail."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk",
            "score": 66.0,
            "rationale": "A ceiling smoke detector is visible in the living area (good). Bedrooms and hallway detectors are not shown — likely need additional detectors per NSPIRE unless present. No obvious exposed wiring or loose guardrails; windows present in bedrooms for egress. GFCI outlets in kitchen/bath are not visible and may need installation. Carbon monoxide alarm presence is not shown (required if fuel-burning appliances present). Entry door security (deadbolt) cannot be confirmed. No visible active leaks, severe mold, or structural ceiling failures. Overall moderate code risk due to unverified but commonly-required items (additional smoke/CO alarms, GFCI outlets, deadbolt)."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical",
            "score": 60.0,
            "rationale": "Forced-air registers are visible indicating central HVAC supply/return, but no equipment (furnace/AC unit) is shown and operational status is unknown. Electrical panel location and condition not provided. Kitchen hood light is functioning in photos and outlets appear present. Water heater, hot water availability, plumbing risers and electrical panel were not shown. Roof appears intact from front view with no visible sagging or active leaks. Given the age of the house (1952) and limited system photos, score reflects reasonable appearance but moderate uncertainty and potential for service/repair."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Exterior shows a level lot, intact driveway and carport, brick/wood siding in serviceable condition, and no visible foundation settling or major exterior decay. Trees are close to the house (monitor for roof/debris) but no active roof failure or collapsed elements visible. Yard and walkways look safe and accessible."
          }
        ],
        "red_flags": [],
        "confidence": 0.65,
        "assumptions": [
          "Central HVAC system and water heater exist and are operational (registers visible but equipment not photographed).",
          "Electrical panel exists and is intact but location and condition were not provided in photos.",
          "Only one smoke detector is visible in photos; additional smoke detectors may be required inside bedrooms and in hallways per local/NSPIRE rules.",
          "No active roof leaks or concealed water damage beyond what is visible in photos.",
          "Range/stove and refrigerator are not present (range space and hood present) — appliances will need to be provided or tenant-supplied arrangement made.",
          "No evidence of major pest infestation, asbestos, or severe lead-based paint hazards was visible in photos; older home (1952) may have potential lead-paint risk that would require evaluation if children under 6 will occupy.",
          "GFCI protection in kitchen and bathroom receptacles is not visible and likely needs verification/installation."
        ],
        "overall_score": 69.0,
        "rubric_version": "2026-NSPIRE-v1"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1709 3rd St NW, Center Point, AL, 35215",
    "aggregate": {
      "summary": "Overall this single-family home appears largely rent-ready with mostly cosmetic updates and a few checklist items to complete for an initial HCV/NSPIRE inspection. Primary near-term tasks: confirm and install required smoke/CO detectors and GFCI protection, verify HVAC/water heater/electrical panel operation, install a range/stove (and fridge if not supplied), address worn hardwood floor areas and cabinet trim, and confirm egress window sizes. No visible structural or life‑threatening hazards were observed in the provided photos. With the listed fixes (many are quick/low-cost) the property is likely to pass an initial Section 8 inspection within 2–4 weeks.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 74.0,
          "rationale": "Interior appears recently painted with intact hardwood floors but visible surface wear and scuffs. Kitchen cabinets and base cabinets show cosmetic damage and some missing trim; one stove space is empty (no range present) though dishwasher is installed. Bathroom tile and tub show age and staining but no obvious structural failure. Overall issues are cosmetic and appliance/millwork replacement or touch-ups — easy-to-fix, capital-only items. No large areas of collapsed finishes observed."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site",
          "score": 81.7,
          "rationale": "Exterior shows a flat, level lot, brick skirt and siding in serviceable condition, paved driveway and carport. Trees are close but not obviously impacting structure. Porch steps have a handrail. No standing water, major foundation cracks, or visible termite/infestation evidence in photos. Some cosmetic landscaping and gutter/downspout details are not shown but nothing visible suggests major exterior rehab."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risk",
          "score": 68.7,
          "rationale": "No visible exposed wiring, collapsed ceilings, or severe mold. A smoke alarm is visible in the living area; CO detector not shown (likely required in Alabama for gas appliances). Bedrooms have windows that appear to provide egress but sizes are not confirmed. Entry door has a knob and exterior security storm door is present but deadbolt not visible. GFCI receptacles at kitchen sink and bathroom are not visible in photos. Plumbing fixtures and bathtub/shower present. Because key life-safety items (CO detector, GFCI protection, deadbolt, verified egress) are not shown, finish-up of required devices is likely before pass but no immediate life-threatening hazards are visible."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical",
          "score": 63.3,
          "rationale": "Floor registers indicate central HVAC ducting; system equipment (furnace/AC condensing unit/water heater/electrical panel) is not photographed. Roof appears intact from front photo with no visible sagging or active leaks. Because mechanical equipment is unverified, assume normal operation but note risk: older home (1952) may have older systems requiring service. No visible severe plumbing leaks or water intrusion in interior photos. Recommend verification/service of HVAC, water heater, and electrical panel prior to move-in."
        }
      ],
      "red_flags": [],
      "confidence": 0.92,
      "assumptions": [
        "Listing photos represent the full interior condition; unseen areas (attic, crawlspace, mechanical closet) may contain additional issues but none were visible.",
        "Central HVAC exists and vents are connected to a functional system; HVAC equipment not pictured but presumed operational until tested.",
        "No active roof leaks or major foundation movement beyond what is visible in exterior photo.",
        "Smoke alarm shown in living area; additional required smoke alarms and CO alarm(s) will need verification/installation per local code/NSPIRE.",
        "Electrical panel and grounding exist but were not photographed; GFCI protection at kitchen and bathroom may be missing and will likely need verification/installation.",
        "Stove/range is not present in photos; landlord will need to supply or tenant-provided appliances are acceptable per program rules. Refrigerator presence is not confirmed.",
        "Bedroom windows provide egress sized appropriately; sizes not measured from photos but appear typical for bedrooms in a 1950s ranch."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 71.3,
      "rubric_version": "nsPIRE-v1.0-2026-02",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8250982111"
  }
}

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