Property ID: 8252789278
628 Sharon Blvd, Dora, AL, 35062
Dora, AL
Money Down: $26,160
CoC Return: 9.82%
Monthly Cash Flow: $214
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$21,800
Closing Costs
$4,360
Total Down
$26,160
Investment Snapshot
Purchase Price
$109,000
Money Down
$26,160
Cash-on-Cash Return
9.82%
Rent
$965
Monthly Cash Flow
$214
Annual Cash Flow
$2,569
Debt Service / Mo
$580
Property Tax / Mo
$28
Insurance / Mo
$46
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$965
Payment Standard
$1,408
Rent
$965
Insurance
$46
Property Tax
$28
Management
$96
Utilities Allowance
$443
NOI (Monthly)
$794
Debt Service
$580
Cash Flow After Debt
$214
Quality Score: 74.60%
Confidence: 88.00%
Overall the property appears to be in good candidate condition for a Housing Choice Voucher initial inspection with mostly cosmetic and moderate items to verify. Interior remodel looks recent and functional; kitchen appliances, bathroom, and finishes are in place. Key positives: new septic system, visible HVAC vents, intact electrical panel, smoke alarm present. Primary inspection risks are limited: confirm bedroom egress, CO detector and GFCI presence, verify hot water and HVAC operation, and inspect the slight roof eave dip and the cinderblock/porch spalling. Most items are minor or repairable; likely passable after addressing small safety/code items within 30 days.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$443
Guaranteed Section 8 Rent (PS - Utilities)
$965
Property Management
$96
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$109,000
Beds
3
Baths
1
Living Area
1,072 sqft
Lot Size
8,712 sqft
Year Built
1945
Days on Market
37
Capital Outlay
$26,160
Debt Service
$580
Property Tax / Mo
$28
Insurance / Mo
$46
Property Description
BRING ALL OFFERS! Completely new septic system just installed. This charming 3-bedroom, 1-bath home on Sharon Blvd has been thoughtfully updated along with a brand new septic tank, making it perfect for a first-time buyer or a savvy investor. Inside, you'll find fresh finishes, updated flooring, and a modern kitchen and bath designed for everyday comfort. The home's layout provides a bright living area and spacious bedrooms, while the remodel ensures worry-free living. Outside, enjoy a level lot with room to relax or entertain. Located in a convenient area, you're close to shopping, dining, schools, and quick highway access-making commutes and errands a breeze. With its affordable price point, and proximity to amenities, this property is a fantastic opportunity to build equity or add a strong rental to your portfolio.
Utility Allowances
Heating
$93
Property has Central heating. Electric fuel type is inferred from other electric appliances (stove, water heater). 'Elec Heat: Ala Power' was selected as it is a major regional provider and the most expensive electric option.
Cooling
$22
Property has 'Central Air' cooling. 'A/C: Alabama Power' was selected for consistency with other electric utilities and because it is the most expensive option.
Cooking
$21
Property includes a 'Stove-Electric'. 'Elec: Ala Power' was chosen for consistency and as the most expensive electric cooking option.
Water Heating
$56
Property includes an 'Electric Water Heater'. 'Elec: Ala Power' was chosen for consistency and as the most expensive electric water heating option.
Other Electric
$68
This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected to be consistent with other electric utility choices.
Water
$129
Property has public water. As the specific provider for Dora is not listed, 'Water: Mulga' was selected because it is the most expensive option on the schedule.
Sewer
$0
Property uses a septic tank, so no public sewer utility cost is incurred by the tenant.
Trash Collection
$40
Trash service is assumed to be a tenant expense. As the provider for Dora is not listed, the most expensive option ('Fairfield Inside City Limits (ISCL)') was selected.
Refrigerator
$8
A refrigerator is not listed as a provided appliance. This allowance is for a tenant-owned refrigerator.
Range/Microwave
$6
A microwave is not listed as a provided appliance. This allowance is for a tenant-owned microwave.
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$427
DP3 Annual Estimate$674
DP1 Monthly Equivalent$36
DP3 Monthly Equivalent$56
Replacement Value$44,000
Basis1,072 sqft / 1945
Nearby Houses
Photo unavailable
127 Rosemary Ave
sold · 0.08 mi
Price: $210,000
3 bd / 2 ba · 1,680 sqft
Latest sale: $210,000 on Apr 30, 2025
Latest rent: —
Photo unavailable
128 Rosemary Ave Lot 3
for_sale · 0.10 mi
Price: $9,900
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
516 Sharon Blvd
sold · 0.11 mi
Price: $75,000
3 bd / 2 ba · 1,614 sqft
Latest sale: $75,000 on Apr 02, 2019
Latest rent: —
Photo unavailable
519 Sharon Blvd
sold · 0.11 mi
Price: $105,000
3 bd / 2 ba · 640 sqft
Latest sale: $105,000 on Feb 25, 2021
Latest rent: $995 on Feb 26, 2024
Photo unavailable
501 Sharon Blvd
sold · 0.13 mi
Price: $142,900
4 bd / 2 ba · 2,250 sqft
Latest sale: $142,900 on Jul 29, 2022
Latest rent: —
Photo unavailable
260 Ell Ave
sold · 0.15 mi
Price: $20,000
3 bd / 1 ba · 1,636 sqft
Latest sale: $20,000 on Mar 07, 2018
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Visible low spot / dip at front roof eave — possible roof framing sag that needs inspection.
- Spalling/missing mortar on cinderblock porch skirt and exposed brick at a corner — potential localized foundation/masory deterioration.
- Front steps/handrails appear marginal and may not meet current safety/graspability requirements; risk of inspection fail if not secured.
- No carbon monoxide detector visible in photos (may be required depending on local code / fuel appliances).
- Bedroom egress windows not shown — if any bedroom lacks compliant egress this will be an inspection failure.
Assumptions
- Central HVAC system is present (ceiling vents and thermostat) and is operational or will be verified operational prior to inspection.
- Hot water heater and hot water supply are present and functioning (not visible in photos).
- Smoke alarm(s) exist at least in living areas (one visible) and additional alarms in bedrooms/hallways will be installed if missing.
- No active interior mold, severe pest infestation, or hidden water intrusion beyond minor staining (none visible in photos).
- Bedrooms have operable windows of adequate size for egress (not shown in photos; assumed typical for a 1945 house updated).
- Kitchen and bathroom electrical outlets will include required GFCI protection where applicable or will be easily brought up to code.
- Roof is intact other than a visible low spot at the eave; no widespread structural roof failure beyond what is visible.
- New septic system installation is complete and permitted as stated in listing.
- Front porch handrails and steps are physically present though may require reinforcement or code updates.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $331 | $46,500 | $9,300 |
| 2023 | $289 | $40,700 | $8,140 |
| 2022 | $284 | $39,900 | $7,980 |
| 2021 | $247 | $34,800 | $6,960 |
| 2020 | $247 | $34,800 | $6,960 |
| 2019 | $281 | $34,600 | $6,920 |
| 2018 | $197 | $27,800 | $5,560 |
| 2017 | $197 | $27,800 | $5,560 |
| 2016 | $197 | $27,800 | $5,560 |
| 2014 | $195 | — | $5,480 |
| 2013 | $195 | — | $5,480 |
| 2012 | $195 | — | $5,480 |
| 2011 | $195 | — | $5,480 |
| 2009 | $184 | — | $5,180 |
| 2007 | $184 | — | $5,180 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2021-02-04 | Sold | $90,000 |
| 2020-10-14 | Sold | $27,000 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2024-02-16 | Listed for rent | $925 | — |
| 2022-02-01 | Listed for rent | $925 | — |
Photo Gallery
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"event_name": "Price Changed",
"price_sqft": 101.67910447761194,
"source_name": "GreaterAlabamaMLS",
"price_change": -6000,
"days_after_listed": null,
"source_listing_id": "21428780",
"price_change_percentage": null
},
{
"date": "2025-10-18",
"price": 115000,
"listing": {
"status": "off_market",
"list_date": "2025-08-21T04:27:31Z",
"list_price": 109000,
"listing_id": "2985551096",
"last_update_date": "2026-01-01T01:50:16Z",
"last_status_change_date": "2026-01-01T07:54:27Z"
},
"event_name": "Price Changed",
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"price_change": -10000,
"days_after_listed": null,
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"price_change_percentage": null
},
{
"date": "2025-08-21",
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"listing": {
"status": "off_market",
"list_date": "2025-08-21T04:27:31Z",
"list_price": 109000,
"listing_id": "2985551096",
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},
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{
"date": "2024-09-15",
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"listing": {
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"list_price": 105000,
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{
"date": "2024-09-13",
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"listing": {
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"list_date": "2023-11-02T19:28:50Z",
"list_price": 900,
"listing_id": "2961303167",
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"last_status_change_date": "2024-09-13T19:20:40Z"
},
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"days_after_listed": "143 days",
"source_listing_id": "21369817",
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{
"date": "2024-05-07",
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"listing": {
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"list_price": 105000,
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},
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{
"date": "2024-04-23",
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"listing": {
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"list_price": 105000,
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"price_change_percentage": "+59.58%"
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{
"date": "2024-04-08",
"price": 900,
"listing": {
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"list_price": 900,
"listing_id": "2961303167",
"last_update_date": "2024-09-13T18:34:42Z",
"last_status_change_date": "2024-09-13T19:20:40Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.8395522388059702,
"source_name": "GreaterAlabamaMLS",
"price_change": -25,
"days_after_listed": null,
"source_listing_id": "21369817",
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},
{
"date": "2023-12-04",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2023-11-02T19:28:50Z",
"list_price": 900,
"listing_id": "2961303167",
"last_update_date": "2024-09-13T18:34:42Z",
"last_status_change_date": "2024-09-13T19:20:40Z"
},
"event_name": "Price Changed for rent",
"price_sqft": 0.8628731343283582,
"source_name": "GreaterAlabamaMLS",
"price_change": -25,
"days_after_listed": null,
"source_listing_id": "21369817",
"price_change_percentage": null
},
{
"date": "2023-11-02",
"price": 950,
"listing": {
"status": "off_market",
"list_date": "2023-11-02T19:28:50Z",
"list_price": 900,
"listing_id": "2961303167",
"last_update_date": "2024-09-13T18:34:42Z",
"last_status_change_date": "2024-09-13T19:20:40Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8861940298507462,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21369817",
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},
{
"date": "2022-10-01",
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"listing": {
"status": "off_market",
"list_date": "2022-06-15T17:49:33Z",
"list_price": 850,
"listing_id": "2944315402",
"last_update_date": "2022-10-01T03:06:38Z",
"last_status_change_date": "2022-10-01T03:20:26Z"
},
"event_name": "Listing removed",
"price_sqft": 0.792910447761194,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1324028",
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{
"date": "2022-08-30",
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"listing": {
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"list_price": 850,
"listing_id": "2944315402",
"last_update_date": "2022-10-01T03:06:38Z",
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"source_name": "GreaterAlabamaMLS",
"price_change": -50,
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{
"date": "2022-07-28",
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"listing": {
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"list_price": 925,
"listing_id": "2939373510",
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"last_status_change_date": "2022-07-28T11:02:07Z"
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"days_after_listed": null,
"source_listing_id": "2739398",
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{
"date": "2022-06-15",
"price": 900,
"listing": {
"status": "off_market",
"list_date": "2022-06-15T17:49:33Z",
"list_price": 850,
"listing_id": "2944315402",
"last_update_date": "2022-10-01T03:06:38Z",
"last_status_change_date": "2022-10-01T03:20:26Z"
},
"event_name": "Listed for rent",
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"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "1324028",
"price_change_percentage": null
},
{
"date": "2022-01-24",
"price": 925,
"listing": {
"status": "off_market",
"list_date": "2022-01-24T08:18:49Z",
"list_price": 925,
"listing_id": "2939373510",
"last_update_date": "2022-07-27T19:51:44Z",
"last_status_change_date": "2022-07-28T11:02:07Z"
},
"event_name": "Listed for rent",
"price_sqft": 0.8258928571428571,
"source_name": "Rently",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "2739398",
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},
{
"date": "2021-02-04",
"price": 72000,
"listing": null,
"event_name": "Sold",
"price_sqft": 67.16417910447761,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
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],
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}
},
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},
"property_id": "8252789278",
"generated_at": "2026-02-16T01:54:54.225702Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 74.6
},
"utility_allowance": {
"zip_code": "35062",
"home_photo": "https://ap.rdcpix.com/cd04ad090f36843cc9817c09f1446ff3l-m3975178394s-w1280.jpg",
"rent_price": 965.0,
"loan_amount": 87200.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/628-Sharon-Blvd_Dora_AL_35062_M82527-89278",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 109000.0,
"loan_term_years": 30,
"annual_cash_flow": 9530.57,
"mortgage_monthly": 580.14,
"payment_standard": 1408.0,
"total_amount_out": 21800.0,
"additional_photos": [
"https://ap.rdcpix.com/cd04ad090f36843cc9817c09f1446ff3l-m3674304111s-w1280.jpg",
"https://ap.rdcpix.com/cd04ad090f36843cc9817c09f1446ff3l-m2293057013s-w1280.jpg",
"https://ap.rdcpix.com/cd04ad090f36843cc9817c09f1446ff3l-m657450343s-w1280.jpg",
"https://ap.rdcpix.com/cd04ad090f36843cc9817c09f1446ff3l-m1642183258s-w1280.jpg",
"https://ap.rdcpix.com/cd04ad090f36843cc9817c09f1446ff3l-m3203034617s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 45.88,
"monthly_cash_flow": 794.21,
"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. Electric fuel type is inferred from other electric appliances (stove, water heater). 'Elec Heat: Ala Power' was selected as it is a major regional provider and the most expensive electric option.",
"utility": "Heating",
"allowance": 93
},
{
"note": "Property has 'Central Air' cooling. 'A/C: Alabama Power' was selected for consistency with other electric utilities and because it is the most expensive option.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Property includes a 'Stove-Electric'. 'Elec: Ala Power' was chosen for consistency and as the most expensive electric cooking option.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Property includes an 'Electric Water Heater'. 'Elec: Ala Power' was chosen for consistency and as the most expensive electric water heating option.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "This covers general electricity for lights and outlets. 'Lights, Ref, Etc.: Ala Power' was selected to be consistent with other electric utility choices.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property has public water. As the specific provider for Dora is not listed, 'Water: Mulga' was selected because it is the most expensive option on the schedule.",
"utility": "Water",
"allowance": 129
},
{
"note": "Property uses a septic tank, so no public sewer utility cost is incurred by the tenant.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Trash service is assumed to be a tenant expense. As the provider for Dora is not listed, the most expensive option ('Fairfield Inside City Limits (ISCL)') was selected.",
"utility": "Trash Collection",
"allowance": 40
},
{
"note": "A refrigerator is not listed as a provided appliance. This allowance is for a tenant-owned refrigerator.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "A microwave is not listed as a provided appliance. This allowance is for a tenant-owned microwave.",
"utility": "Range/Microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 21800.0,
"property_tax_annual": 340.93,
"property_tax_monthly": 28.41,
"property_tax_increase": 0.03,
"utility_allowance_total": 443.0,
"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": 2568.84,
"property_management_monthly": 96.5,
"monthly_cash_flow_after_debt": 214.07,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in good candidate condition for a Housing Choice Voucher initial inspection with mostly cosmetic and moderate items to verify. Interior remodel looks recent and functional; kitchen appliances, bathroom, and finishes are in place. Key positives: new septic system, visible HVAC vents, intact electrical panel, smoke alarm present. Primary inspection risks are limited: confirm bedroom egress, CO detector and GFCI presence, verify hot water and HVAC operation, and inspect the slight roof eave dip and the cinderblock/porch spalling. Most items are minor or repairable; likely passable after addressing small safety/code items within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears freshly painted with updated flooring, intact trim and functioning kitchen appliances (range, dishwasher) present. Bathroom and shower tile look recently redone. Exterior shows some cosmetic deferred maintenance: spalling block on porch skirt, worn concrete steps, and minor exterior brick damage at a corner. No collapsed ceilings or severe interior damage visible. Missing small finish items (possible outlet covers, caulking) are easy/low-cost fixes."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 70.0,
"rationale": "Positive: visible smoke alarm in living area, electrical panel has cover and is accessible, no open/exposed wiring observed, windows present in main rooms, new septic reduces plumbing risk. Concerns/unknowns: no carbon monoxide alarm visible, GFCI protection in kitchen/bath not confirmed, bedroom egress windows not shown (could be a fail if inadequate), front porch steps/handrails appear marginal and may not meet current graspability/height requirements, small areas of block spalling at foundation/porch could create trip hazards. No active leaks, standing water, or major life‑threat hazards evident in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 68.0,
"rationale": "Evidence of central HVAC (ceiling/return vents and thermostat visible) suggesting heating/cooling present but operational status not confirmed. Electrical panel present and appears intact. Listing states a completely new septic system was installed (positive). Water heater not pictured and hot water functionality not confirmed. Roof shows a visible low spot / slight dip at the front eave in exterior photos which could indicate older roofing or charateristic framing deflection that should be inspected; no active roof leaks visible inside. Overall systems look serviceable but several items require verification or minor service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Vinyl siding and windows appear in fair-to-good condition. Lot is level and yard usable. Porch and front steps show wear; cinderblock foundation shows spalling and a small area of missing mortar/brick at a corner. Driveway appears unpaved/gravel and there is some overgrown grass. No signs of major exterior neglect, infestation, or drainage pooling visible from photos, but corner foundation damage and porch skirt repairs are recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Visible low spot / dip at front roof eave — possible roof framing sag that needs inspection.",
"Spalling/missing mortar on cinderblock porch skirt and exposed brick at a corner — potential localized foundation/masory deterioration.",
"Front steps/handrails appear marginal and may not meet current safety/graspability requirements; risk of inspection fail if not secured.",
"No carbon monoxide detector visible in photos (may be required depending on local code / fuel appliances).",
"Bedroom egress windows not shown — if any bedroom lacks compliant egress this will be an inspection failure."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC system is present (ceiling vents and thermostat) and is operational or will be verified operational prior to inspection.",
"Hot water heater and hot water supply are present and functioning (not visible in photos).",
"Smoke alarm(s) exist at least in living areas (one visible) and additional alarms in bedrooms/hallways will be installed if missing.",
"No active interior mold, severe pest infestation, or hidden water intrusion beyond minor staining (none visible in photos).",
"Bedrooms have operable windows of adequate size for egress (not shown in photos; assumed typical for a 1945 house updated).",
"Kitchen and bathroom electrical outlets will include required GFCI protection where applicable or will be easily brought up to code.",
"Roof is intact other than a visible low spot at the eave; no widespread structural roof failure beyond what is visible.",
"New septic system installation is complete and permitted as stated in listing.",
"Front porch handrails and steps are physically present though may require reinforcement or code updates."
],
"overall_score": 78.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this property appears to be in good condition for Section 8 / HCV tenancy with mostly cosmetic and minor repair items. New septic, updated interior finishes, visible HVAC vents, intact electrical panel, and working kitchen/bath fixtures are positives. Likely to pass an initial NSPIRE inspection with a short punch list: verify/ install required smoke/CO detectors per local code, confirm presence/function of GFCI outlets in kitchen and bathroom, confirm HVAC and water heater operation, repair/surface patch the front foundation/porch edge, and address any small stair/guardrail clarifications. Estimated readiness: minor repairs within 1–4 weeks to be fully inspection-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 72.0,
"rationale": "Interior appears freshly painted with updated flooring and intact finishes; kitchen and bath show recent updates. Visible minor cosmetic issues: stained/worn spots on hardwood, painted/older kitchen cabinets, chipped block at front foundation corner, worn concrete steps and porch edge with some surface spalling, and an absence of a visible refrigerator in photos (stove and dishwasher present). These are mostly cosmetic or small capital repairs and should be addressable within a short timeline."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "Visible smoke detector in living area, intact electrical panel on kitchen wall, no exposed wiring seen, functioning door with security gate on side porch, and bedroom/window sizes appear adequate for egress from images. No visible active leaks, mold staining, or collapsed ceilings. Uncertainties: carbon monoxide alarm not visible (may not be required if no fuel-burning appliances), GFCI presence on kitchen counters not visible (could be required), and stair/porch guardrail arrangement relies on block knee wall and handrails on steps — may require minor adjustment. Overall low-to-moderate safety risk with a few likely small corrections."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 70.0,
"rationale": "New septic system installed (positive). HVAC supply and return vents and a thermostat are visible, indicating central HVAC likely present. Electrical panel is present and appears intact. Kitchen fixtures, dishwasher and electric range visible. Water heater not shown. Roof appears intact from available photos though there is a slight unevenness at a roof edge in one image (no clear evidence of active leakage). Given visible evidence, major systems appear present but some items (water heater, HVAC operation, full electrical/GFCI checks, roof inspection) cannot be fully verified from photos and would require quick functional checks."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 78.0,
"rationale": "Siding looks in good condition, lot is level and useable, and the property has a concrete porch and side entry. Minor exterior defects: chipped/spalled block on front foundation, unfinished/new wooden posts on side porch, some vegetation close to foundation and unpaved drive approach. No visible standing water, obvious drainage failures, or pest infestation in photos. Overall exterior is sound with a few small repairs and cleanup needed."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [],
"confidence": 0.72,
"assumptions": [
"Central HVAC is present and functional based on visible supply/return vents and a thermostat, but no mechanical operation test was available.",
"Water heater exists and is functioning though not shown in photos.",
"Stove and dishwasher are present and appear to be electric (no visible gas hook-up in photos); carbon monoxide alarm requirements will depend on presence of fuel-burning appliances.",
"Bedrooms contain code-compliant egress windows (bedroom windows not individually pictured but multiple double-hung windows are visible in living areas and sides).",
"No severe hidden mold, major termite/structural damage, or active roof leaks—no evidence in photos; minor roof unevenness noted but not confirmed as structural failure.",
"Absence of a visible refrigerator in photos indicates one may not be provided; missing refrigerator is considered a moderate capital/turnover item, not an automatic safety fail."
],
"overall_score": 73.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears to be in good, mostly move-in condition with a recent interior remodel and new septic. The biggest observable issues are localized masonry spalling at the porch/foundation, some unfinished porch trim/posts, and unverified mechanical equipment (HVAC condenser and water heater not pictured). Safety risks visible in photos are low (smoke detector present, covered electrical panel, solid floors/ceilings). Expect a Section 8 (NSPIRE) initial inspection to be likely passable after minor repairs/verification items: repair/point masonry at porch base, verify/install CO detector if required, confirm GFCI outlets in kitchen/bath, confirm presence and operation of heating/AC and hot water, and install/confirm a refrigerator if required by lease. Time-to-rent: likely within 1–4 weeks for inspection readiness if mechanicals are operational; up to 30 days if equipment replacements/repairs are needed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 80.0,
"rationale": "Interior shows a recent cosmetic remodel: fresh paint, intact hardwood floors, tiled bathroom and updated kitchen counters. Appliances shown: electric range and dishwasher; no refrigerator pictured. Exterior vinyl siding appears new. Observable deferred items: spalled/ chipped block at front porch base and missing brick at side porch corner, worn concrete steps with moss staining, and some exposed unfinished wood on side porch posts. These are mostly cosmetic/medium-effort repairs; missing fridge (not catastrophic) and minor masonry repairs reduce the score slightly."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 85.0,
"rationale": "Smoke detector is visible in the living area. No exposed electrical wiring is visible; an electrical panel is present and appears covered (photo in kitchen). Floor and ceiling appear intact with no visible collapse or major water stains. Entry has a security door at side; front stairs have handrails on both sides. No visible active leaks, standing water, severe mold, or collapsed elements in photos. Unknowns that affect safety: presence of CO detector (not visible), GFCI protection in kitchen/bath (not verifiable in photos), and deadbolt on front entry (not clearly visible). Overall low inspection risk but a few detector/outlet verifications will be required."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 70.0,
"rationale": "Listing notes a brand-new septic system (positive). Interior shows HVAC vents/returns indicating central heating/AC ducting; no HVAC equipment or water heater is pictured so operational status is assumed but unverified. Electrical panel is present and covered. Plumbing fixtures appear modern and intact (kitchen sink, bathroom fixtures). Roof appears intact in exterior photos with no obvious large failures, though the porch/roof junction shows minor unevenness. Because major mechanical units (furnace/AC condenser, water heater) are not shown, system operability is uncertain and lowers the score."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Level lot and usable yard with driveway access. Vinyl siding appears in good condition and windows/trim are freshly painted. Foundation is concrete block; visible spalling and a small missing section at porch corner require repair and pointing to prevent moisture entry. Side porch structure shows newer posts but some unfinished wood and exposed masonry at corner. Walkway and yard are serviceable but grass and landscaping need basic upkeep. No evidence of major drainage/erosion or infestation in photos."
},
{
"key": "rental_history_activity",
"label": "Rental history / recent activity (bonus)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Localized foundation/porch masonry spalling and missing brick at porch corner visible in exterior photos — recommend repair to prevent water intrusion and deterioration."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC exists and is operational (vents/registers visible) though condenser/furnace and water heater were not shown in photos.",
"New septic installation referenced in listing is complete and permitted.",
"Bedrooms have code-compliant egress windows (bedrooms not individually pictured but listing states 3 bedrooms).",
"No active roof leaks or interior water intrusion beyond what is visible in photos.",
"GFCI outlets and CO detectors are not visible in images and will need verification; absence would be a minor-to-moderate repair.",
"Refrigerator not pictured and may not be provided; missing fridge reduces readiness moderately but is not a safety failure."
],
"overall_score": 78.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "628 Sharon Blvd, Dora, AL, 35062",
"aggregate": {
"summary": "Overall the property appears to be in good candidate condition for a Housing Choice Voucher initial inspection with mostly cosmetic and moderate items to verify. Interior remodel looks recent and functional; kitchen appliances, bathroom, and finishes are in place. Key positives: new septic system, visible HVAC vents, intact electrical panel, smoke alarm present. Primary inspection risks are limited: confirm bedroom egress, CO detector and GFCI presence, verify hot water and HVAC operation, and inspect the slight roof eave dip and the cinderblock/porch spalling. Most items are minor or repairable; likely passable after addressing small safety/code items within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.7,
"rationale": "Interior appears freshly painted with updated flooring, intact trim and functioning kitchen appliances (range, dishwasher) present. Bathroom and shower tile look recently redone. Exterior shows some cosmetic deferred maintenance: spalling block on porch skirt, worn concrete steps, and minor exterior brick damage at a corner. No collapsed ceilings or severe interior damage visible. Missing small finish items (possible outlet covers, caulking) are easy/low-cost fixes."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Vinyl siding and windows appear in fair-to-good condition. Lot is level and yard usable. Porch and front steps show wear; cinderblock foundation shows spalling and a small area of missing mortar/brick at a corner. Driveway appears unpaved/gravel and there is some overgrown grass. No signs of major exterior neglect, infestation, or drainage pooling visible from photos, but corner foundation damage and porch skirt repairs are recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 76.7,
"rationale": "Positive: visible smoke alarm in living area, electrical panel has cover and is accessible, no open/exposed wiring observed, windows present in main rooms, new septic reduces plumbing risk. Concerns/unknowns: no carbon monoxide alarm visible, GFCI protection in kitchen/bath not confirmed, bedroom egress windows not shown (could be a fail if inadequate), front porch steps/handrails appear marginal and may not meet current graspability/height requirements, small areas of block spalling at foundation/porch could create trip hazards. No active leaks, standing water, or major life‑threat hazards evident in photos."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 69.3,
"rationale": "Evidence of central HVAC (ceiling/return vents and thermostat visible) suggesting heating/cooling present but operational status not confirmed. Electrical panel present and appears intact. Listing states a completely new septic system was installed (positive). Water heater not pictured and hot water functionality not confirmed. Roof shows a visible low spot / slight dip at the front eave in exterior photos which could indicate older roofing or charateristic framing deflection that should be inspected; no active roof leaks visible inside. Overall systems look serviceable but several items require verification or minor service."
}
],
"red_flags": [
"Visible low spot / dip at front roof eave — possible roof framing sag that needs inspection.",
"Spalling/missing mortar on cinderblock porch skirt and exposed brick at a corner — potential localized foundation/masory deterioration.",
"Front steps/handrails appear marginal and may not meet current safety/graspability requirements; risk of inspection fail if not secured.",
"No carbon monoxide detector visible in photos (may be required depending on local code / fuel appliances).",
"Bedroom egress windows not shown — if any bedroom lacks compliant egress this will be an inspection failure."
],
"confidence": 0.88,
"assumptions": [
"Central HVAC system is present (ceiling vents and thermostat) and is operational or will be verified operational prior to inspection.",
"Hot water heater and hot water supply are present and functioning (not visible in photos).",
"Smoke alarm(s) exist at least in living areas (one visible) and additional alarms in bedrooms/hallways will be installed if missing.",
"No active interior mold, severe pest infestation, or hidden water intrusion beyond minor staining (none visible in photos).",
"Bedrooms have operable windows of adequate size for egress (not shown in photos; assumed typical for a 1945 house updated).",
"Kitchen and bathroom electrical outlets will include required GFCI protection where applicable or will be easily brought up to code.",
"Roof is intact other than a visible low spot at the eave; no widespread structural roof failure beyond what is visible.",
"New septic system installation is complete and permitted as stated in listing.",
"Front porch handrails and steps are physically present though may require reinforcement or code updates."
],
"score_method": "mean_of_criteria",
"overall_score": 74.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8252789278"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.