Property ID: 8276078691
9432 Mark Ln, River Ridge, LA, 70123
River Ridge, LA
Money Down: $70,080
CoC Return: 0.03%
Monthly Cash Flow: $2
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$58,400
Closing Costs
$11,680
Total Down
$70,080
Investment Snapshot
Purchase Price
$292,000
Money Down
$70,080
Cash-on-Cash Return
0.03%
Rent
$2,002
Monthly Cash Flow
$2
Annual Cash Flow
$24
Debt Service / Mo
$1,554
Property Tax / Mo
$130
Insurance / Mo
$116
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,002
Payment Standard
$2,328
Rent
$2,002
Insurance
$116
Property Tax
$130
Management
$200
Utilities Allowance
$326
NOI (Monthly)
$1,556
Debt Service
$1,554
Cash Flow After Debt
$2
Quality Score: 77.90%
Confidence: 95.00%
This single‑family home appears largely turn‑key for a Housing Choice Voucher initial inspection. The roof (recent), updated windows, intact exterior, and generally good interior finishes (hardwood floors, working kitchen appliances, renovated bath) indicate limited work required. Primary inspection risks are absence of visible smoke/CO detectors and unverified GFCI protection and water‑heater/HVAC service status — all typically quick fixes. Expect likely pass after installation/verification of detectors, confirming GFCI outlets, and basic system service/verification. Estimated rent‑ready timeline: under 30 days, likely within 1–2 weeks if detectors and minor items are completed promptly.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$326
Guaranteed Section 8 Rent (PS - Utilities)
$2,002
Property Management
$200
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$292,000
Beds
4
Baths
2
Living Area
1,500 sqft
Lot Size
—
Year Built
1965
Days on Market
26
Capital Outlay
$70,080
Debt Service
$1,554
Property Tax / Mo
$130
Insurance / Mo
$116
Property Description
Welcome home to this beautiful River Ridge 4-bedroom, 2-bath property offering classic charm and smart updates. Inside, you'll find gorgeous wood floors that add warmth and character throughout the home. Improvements include updated windows and a roof only 2 years old, giving buyers added confidence and value. Step outside to enjoy a covered patio overlooking a spacious backyard, great for entertaining, weekend barbecues, or simply relaxing at the end of the day. With plenty of room both inside and out, this home offers the perfect blend of comfort and functionality.
Utility Allowances
Heating (Natural Gas)
$79
Selected based on the property's explicit listing of central heating and a natural gas connection.
Cooking (Natural Gas)
$14
The property includes a range/oven and has a natural gas connection.
Water Heating (Natural Gas)
$27
Assumed based on the property having a natural gas connection, which is the most common and economical choice for water heating.
Other Electric
$77
This is a standard allowance for lighting, appliances, and central air conditioning, which the property has.
Water
$50
The property is connected to a public water source.
Sewer
$54
The property is connected to the city sewer system.
Trash Collection
$25
A standard municipal service for a single-family residence.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,380
DP3 Annual Estimate$1,403
DP1 Monthly Equivalent$115
DP3 Monthly Equivalent$117
Replacement Value$44,300
Basis1,500 sqft / 1965
Nearby Houses
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263 Midway Dr Lot 36A
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— bd / — ba
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225 Citrus Rd
for_sale · 0.19 mi
Price: $200,000
2 bd / 1 ba · 1,023 sqft
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227 Midway Dr
for_sale · 0.19 mi
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9408 Citrus Ln
off_market · 0.21 mi
Price: $515,000
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Latest sale: — on Apr 29, 2015
Latest rent: —
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9204 Hermitage Pl
sold · 0.22 mi
Price: $450,000
5 bd / 4 ba · 3,110 sqft
Latest sale: — on Apr 23, 2021
Latest rent: —
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9209 Melrose Ln
for_sale · 0.25 mi
Price: $305,000
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215 Citrus Rd
for_sale · 0.26 mi
Price: $289,000
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9621 Charlotte Dr
for_sale · 0.26 mi
Price: $369,900
3 bd / 2 ba · 2,000 sqft
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Latest rent: —
Photo unavailable
9417 Calvary Ct
sold · 0.27 mi
Price: $675,000
5 bd / 5 ba · 4,045 sqft
Latest sale: — on Jul 26, 2021
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Roof replaced ~2 years ago as stated in listing; visual appearance corroborates this.
- Central HVAC is present and appears intact (ceiling vents visible); operation and recent service not documented.
- Water heater exists but was not photographed; its condition and age are unknown.
- Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed not installed or not documented; these should be installed/verified before inspection.
- GFCI protection for kitchen and bathroom outlets is not visible; assume verification/installation needed.
- Bedroom windows appear to be standard egress windows based on photos; exact dimensions not verified.
- No visible active leaks, mold, structural sagging, or severe foundation movement were observed in provided photos.
- Listing year built 1965 implies pre-1978 construction; assume potential for lead-based paint unless testing/documentation provided, but no peeling paint was observed in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $1,511 | $118,600 | $11,860 |
| 2024 | $1,437 | $118,600 | $11,860 |
| 2023 | $1,385 | $109,500 | $10,950 |
| 2022 | $1,348 | $109,500 | $10,950 |
| 2021 | $1,251 | $109,500 | $10,950 |
| 2020 | $1,241 | $109,500 | $10,950 |
| 2019 | $1,277 | $109,500 | $10,950 |
| 2018 | $1,189 | $109,500 | $10,950 |
| 2017 | $1,189 | $109,500 | $10,950 |
| 2016 | $1,165 | $109,500 | $10,950 |
| 2015 | $1,169 | $107,400 | $10,740 |
| 2014 | $1,154 | $107,400 | $10,740 |
| 2013 | $1,154 | $107,400 | $10,740 |
| 2012 | $348 | $107,400 | $10,740 |
| 2011 | $318 | $106,500 | $10,650 |
| 2010 | $1,050 | $106,500 | $10,650 |
| 2009 | $1,050 | $106,500 | $10,650 |
| 2008 | $307 | — | $10,650 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-14 | Listed | $292,000 |
Photo Gallery
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},
{
"note": "The property is connected to a public water source.",
"utility": "Water",
"allowance": 50
},
{
"note": "The property is connected to the city sewer system.",
"utility": "Sewer",
"allowance": 54
},
{
"note": "A standard municipal service for a single-family residence.",
"utility": "Trash Collection",
"allowance": 25
}
],
"cash_on_cash_return": 0.32,
"down_payment_amount": 58400.0,
"property_tax_annual": 1556.33,
"property_tax_monthly": 129.69,
"property_tax_increase": 0.03,
"utility_allowance_total": 326.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://jphsdd.org/2025/01/17/payment-standards-update/",
"https://jphsdd.org/wp-content/uploads/2025/01/Payment.Standard.2025.pdf"
],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 24.01,
"property_management_monthly": 200.2,
"monthly_cash_flow_after_debt": 2.0,
"cash_on_cash_return_after_debt": 0.0
},
"section8_assessment": {
"runs": [
{
"summary": "This single‑family home appears largely turn‑key for a Housing Choice Voucher initial inspection. The roof (recent), updated windows, intact exterior, and generally good interior finishes (hardwood floors, working kitchen appliances, renovated bath) indicate limited work required. Primary inspection risks are absence of visible smoke/CO detectors and unverified GFCI protection and water‑heater/HVAC service status — all typically quick fixes. Expect likely pass after installation/verification of detectors, confirming GFCI outlets, and basic system service/verification. Estimated rent‑ready timeline: under 30 days, likely within 1–2 weeks if detectors and minor items are completed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior photos show generally well-maintained finishes: hardwood floors in good condition, updated kitchen with stove, microwave and fridge, renovated bathroom tile wall, intact drywall and painted surfaces. Minor deferred items visible: scuffed/peeling paint on some cabinet edges, cosmetic touch-up needed in places, and driveway has small cracks/vegetation in joints. Missing appliances are not an issue here (stove and fridge present). Overall only light cosmetic and capital repairs appear necessary."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings level, no visible water stains or active leaks, no exposed wiring in photos, guardrails/stairs not shown but entry is single story. However several NSPIRE safety items are not documented in the images: no smoke detectors or CO alarms are visible (CO especially relevant due to gas range), GFCI receptacles in kitchen/bath are not confirmed, bedroom egress window sizes are not measured (windows appear typical and likely compliant but unverified). Electrical panel/meter is present on exterior and appears intact. Because key safety devices are not shown, deduct to reflect probable quick fixes (install/verify detectors, GFCI)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 75.0,
"rationale": "Listing states roof replaced ~2 years ago and exterior photos show a sound roof. Interior ceiling vents indicate central HVAC present; registers visible and no obvious damage to duct/ceiling. Kitchen appliances are modern stainless steel and the gas range/microwave appear functional. Water heater not pictured (location unknown) and no visible evidence of plumbing leaks or drainage problems. Electrical meter/panel visible and appears in normal condition. Without service records or visible water heater/age of HVAC, score reflects generally good visible condition but some uncertainty on system ages/operation."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 80.0,
"rationale": "Exterior photo shows tidy lawn, intact siding/brick transition, functioning gutters, attached garage and fenced backyard with covered patio — all positive for tenant use and safety. Driveway shows minor cracking and some staining. No signs of standing water, significant foundation exposure, large cracks, or visible termite/infestation evidence. Landscaping and access look maintained and safe."
}
],
"red_flags": [],
"confidence": 0.8,
"assumptions": [
"Roof replaced ~2 years ago as stated in listing; visual appearance corroborates this.",
"Central HVAC is present and appears intact (ceiling vents visible); operation and recent service not documented.",
"Water heater exists but was not photographed; its condition and age are unknown.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed not installed or not documented; these should be installed/verified before inspection.",
"GFCI protection for kitchen and bathroom outlets is not visible; assume verification/installation needed.",
"Bedroom windows appear to be standard egress windows based on photos; exact dimensions not verified.",
"No visible active leaks, mold, structural sagging, or severe foundation movement were observed in provided photos.",
"Listing year built 1965 implies pre-1978 construction; assume potential for lead-based paint unless testing/documentation provided, but no peeling paint was observed in photos."
],
"overall_score": 78.0,
"rubric_version": "2026-03-NSPIRE-v1"
},
{
"summary": "This single-story 4BR/2BA home appears to be in good, mostly move-in condition with updated roof and windows, intact exterior, functioning appliances, and generally well-maintained interiors. The most likely Section 8 / NSPIRE inspection issues are missing/uncertain smoke and carbon monoxide detectors, unverified GFCI protection in kitchen/bath, and confirmation of operational central HVAC and hot water. None of the visible conditions indicate structural or life-safety failures; most items are minor repairs or verification tasks. Estimated time to pass an initial inspection: under 30 days if detectors/outlet protections are installed/verified and mechanicals are confirmed working.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior photos show well-maintained hardwood floors, finished living spaces, functioning appliances (refrigerator, gas range, microwave) and updated kitchen/bath surfaces. Minor cosmetic issues visible (cabinet edge wear, small paint scuffs). No evidence of collapsed finishes, exposed subfloor, or major water staining. Missing or worn trim/cabinet edges are easy cosmetic repairs. Overall only minor/cosmetic work likely required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No obvious life-safety hazards visible (no sagging ceilings, no exposed wiring, stairs not applicable for single-story). Bedrooms have windows that appear to provide egress. However, photos do not show smoke detectors or a carbon monoxide alarm (required with gas range), GFCI outlets in kitchen/bath are not visible, and a front-door deadbolt is not evident in exterior photo. These missing/uncertain items are common inspection failures but are typically quick fixes if absent. No visible mold, active leaks, or major structural issues."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 75.0,
"rationale": "Listing states roof is ~2 years old and photos show newer shingles and intact flashing. HVAC supply vents are visible in ceilings (suggesting central system), though a window AC is also shown; condenser and mechanical room/water heater are not visible. Kitchen uses a gas range which appears installed correctly. No visible plumbing leaks or rusted fixtures. Because major systems are not fully visible, moderate confidence they are functional; absence of visible system failures supports a good but not perfect score."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show maintained lawn, intact siding/brick, updated windows (listing notes), attached garage, and a covered patio. Driveway shows minor cracking but is serviceable. No standing water, visible foundation cracks, or severe exterior deterioration in photos. Landscaping near foundation is modest but should be monitored for drainage. Overall exterior appears well cared-for."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarm in photos — likely NSPIRE fail if not installed.",
"GFCI protection not visible in kitchen/bath photos — possible inspection issue if absent.",
"Mechanical components (HVAC condenser, water heater, electrical panel) not shown — require verification to avoid inspection failure."
],
"confidence": 0.7,
"assumptions": [
"Roof is approximately 2 years old and in good condition as stated in listing.",
"Windows noted as updated in listing are functional and provide proper egress where required.",
"Appliances shown (refrigerator, gas range, microwave) are present and operational unless otherwise noted by inspector.",
"Central HVAC system is present and operable (supply vents visible); exact age and condenser condition not shown in photos.",
"Water heater and electrical panel are present and in working condition though not visible in provided photos.",
"No active roof leaks, hidden mold, or major plumbing failures exist beyond what is visible in photos.",
"Front entry is secure; a deadbolt may be present but is not discernible in photos."
],
"overall_score": 77.0,
"rubric_version": "ns_pire_v1.0"
},
{
"summary": "Overall the house appears likely to pass an initial Section 8 / NSPIRE inspection after minor fixes. Strengths: recent roof, updated windows, good interior finishes, functioning kitchen appliances, intact exterior. Primary verification items before listing for voucher tenants: install/verify smoke and CO detectors in required locations, confirm GFCI protection at kitchen/baths, confirm working water heater and serviceable electrical panel, verify deadbolt on entry door. If those items are present or corrected, the property is rent-ready within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 85.0,
"rationale": "Photos show generally well-maintained interior finishes: hardwood floors in good condition, updated windows called out in listing, modern-looking kitchen appliances present (refrigerator, gas range, microwave). Cabinets show some paint chipping/wear at edges and some counters/cabinet trim have cosmetic wear; minor tile work in kitchen and bathrooms appears serviceable. No visible damaged drywall, collapsed ceilings, or exposed subfloor. Missing or worn cabinet hardware and some cosmetic touch-up will be needed but are easy, non-safety repairs."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No visible exposed wiring, stair or guardrail hazards, or ceiling/floor structural distress in photos. Bedrooms have windows that appear to provide egress. There are ceiling supply vents suggesting central HVAC and functioning heating/cooling. However, photos do not show any smoke detectors or carbon monoxide alarms (required), and GFCI protection at kitchen/bath receptacles is not clearly visible. Entry door deadbolt not visible from exterior photo; must confirm. Plumbing fixtures and toilets look functional in photos but hot water system not shown. These verification items reduce the safety score because missing detectors/GFCIs would fail inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 75.0,
"rationale": "Listing states roof is ~2 years old and exterior photos show a sound roofline with new shingles — positive for near-term roof integrity. Ceiling vents visible indicate central HVAC (vents/grilles) though condenser/heater not pictured; cooling appears at least supplemented with a window unit. Kitchen appliances include a gas range and electric fridge; gas connections and range appear standard but gas line and ventilation were not inspected in photos. Water heater and electrical panel are not shown; absence of visible issues suggests functional systems but lack of direct confirmation lowers score. No visible signs of leaks or active water intrusion in photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 85.0,
"rationale": "Exterior shows clean siding/brick, maintained lawn and yard, intact gutters, and a paved driveway. Covered patio is visible from interior photos. Driveway has minor cracking but no major trip hazard. Foundation appears level from available exterior photo with no visible large settlement cracks. Property appears free of visible infestation or heavy exterior neglect."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in photos — required and could cause inspection failure if absent.",
"GFCI protection for kitchen/bath receptacles not verifiable from photos — must be confirmed.",
"Water heater and electrical panel not shown/verified in photos — need confirmation of condition and location."
],
"confidence": 0.7,
"assumptions": [
"Listing statement that windows are updated and roof is ~2 years old is accurate and reflective of condition.",
"Central HVAC is present and operational (ceiling vents visible), with a supplemental window AC in dining area.",
"No active roof leaks, plumbing leaks, or hidden structural issues are present since none visible in photos.",
"Electrical panel, water heater, and life-safety devices (smoke/CO detectors) exist but were not visible in photos and must be verified.",
"Kitchen gas range and gas connection are serviceable and meet code (visible range only; connection not inspected)."
],
"overall_score": 79.0,
"rubric_version": "nsPIRE-2024-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "9432 Mark Ln, River Ridge, LA, 70123",
"aggregate": {
"summary": "This single‑family home appears largely turn‑key for a Housing Choice Voucher initial inspection. The roof (recent), updated windows, intact exterior, and generally good interior finishes (hardwood floors, working kitchen appliances, renovated bath) indicate limited work required. Primary inspection risks are absence of visible smoke/CO detectors and unverified GFCI protection and water‑heater/HVAC service status — all typically quick fixes. Expect likely pass after installation/verification of detectors, confirming GFCI outlets, and basic system service/verification. Estimated rent‑ready timeline: under 30 days, likely within 1–2 weeks if detectors and minor items are completed promptly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 83.3,
"rationale": "Interior photos show generally well-maintained finishes: hardwood floors in good condition, updated kitchen with stove, microwave and fridge, renovated bathroom tile wall, intact drywall and painted surfaces. Minor deferred items visible: scuffed/peeling paint on some cabinet edges, cosmetic touch-up needed in places, and driveway has small cracks/vegetation in joints. Missing appliances are not an issue here (stove and fridge present). Overall only light cosmetic and capital repairs appear necessary."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 83.3,
"rationale": "Exterior photo shows tidy lawn, intact siding/brick transition, functioning gutters, attached garage and fenced backyard with covered patio — all positive for tenant use and safety. Driveway shows minor cracking and some staining. No signs of standing water, significant foundation exposure, large cracks, or visible termite/infestation evidence. Landscaping and access look maintained and safe."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible: ceilings level, no visible water stains or active leaks, no exposed wiring in photos, guardrails/stairs not shown but entry is single story. However several NSPIRE safety items are not documented in the images: no smoke detectors or CO alarms are visible (CO especially relevant due to gas range), GFCI receptacles in kitchen/bath are not confirmed, bedroom egress window sizes are not measured (windows appear typical and likely compliant but unverified). Electrical panel/meter is present on exterior and appears intact. Because key safety devices are not shown, deduct to reflect probable quick fixes (install/verify detectors, GFCI)."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 75.0,
"rationale": "Listing states roof replaced ~2 years ago and exterior photos show a sound roof. Interior ceiling vents indicate central HVAC present; registers visible and no obvious damage to duct/ceiling. Kitchen appliances are modern stainless steel and the gas range/microwave appear functional. Water heater not pictured (location unknown) and no visible evidence of plumbing leaks or drainage problems. Electrical meter/panel visible and appears in normal condition. Without service records or visible water heater/age of HVAC, score reflects generally good visible condition but some uncertainty on system ages/operation."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Roof replaced ~2 years ago as stated in listing; visual appearance corroborates this.",
"Central HVAC is present and appears intact (ceiling vents visible); operation and recent service not documented.",
"Water heater exists but was not photographed; its condition and age are unknown.",
"Smoke detectors and carbon monoxide alarms are not visible in photos and are assumed not installed or not documented; these should be installed/verified before inspection.",
"GFCI protection for kitchen and bathroom outlets is not visible; assume verification/installation needed.",
"Bedroom windows appear to be standard egress windows based on photos; exact dimensions not verified.",
"No visible active leaks, mold, structural sagging, or severe foundation movement were observed in provided photos.",
"Listing year built 1965 implies pre-1978 construction; assume potential for lead-based paint unless testing/documentation provided, but no peeling paint was observed in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 77.9,
"rubric_version": "2026-03-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8276078691"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.