Property ID: 8330327234
423 Bruce Ave, Terrytown, LA, 70056
Terrytown, LA
Money Down: $50,376
CoC Return: 2.99%
Monthly Cash Flow: $125
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$41,980
Closing Costs
$8,396
Total Down
$50,376
Investment Snapshot
Purchase Price
$209,900
Money Down
$50,376
Cash-on-Cash Return
2.99%
Rent
$1,594
Monthly Cash Flow
$125
Annual Cash Flow
$1,506
Debt Service / Mo
$1,117
Property Tax / Mo
$86
Insurance / Mo
$106
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,594
Payment Standard
$1,983
Rent
$1,594
Insurance
$106
Property Tax
$86
Management
$159
Utilities Allowance
$389
NOI (Monthly)
$1,243
Debt Service
$1,117
Cash Flow After Debt
$125
Quality Score: 85.50%
Confidence: 94.00%
This property appears to be turnkey for Section 8/HCV occupancy with a high likelihood of passing an initial NSPIRE inspection after standard verification items. It shows a full interior renovation (floors, kitchen, baths), new HVAC and water heater per listing, and a new roof. Main outstanding inspection items to confirm are presence/placement/function of smoke and carbon monoxide detectors, GFCI protection in kitchen/baths, and operability of HVAC/hot water. No major structural or life‑safety failures are visible in the provided photos.
Section 8 Payment Standard
$1,983
Utility Allowance Total
$389
Guaranteed Section 8 Rent (PS - Utilities)
$1,594
Property Management
$159
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$209,900
Beds
3
Baths
1.5
Living Area
1,501 sqft
Lot Size
5,589 sqft
Year Built
1979
Days on Market
190
Capital Outlay
$50,376
Debt Service
$1,117
Property Tax / Mo
$86
Insurance / Mo
$106
Property Description
Completely Renovated Home in Terrytown! Welcome to 423 Bruce Ave. in Terrytown, LA, a stunning 1,500 sq ft home that has been completely transformed with modern upgrades throughout! This beautifully updated property features brand-new floors, a new roof, and a fully renovated kitchen and bathrooms-all designed for contemporary comfort and style. Step inside to discover an open and inviting layout with new stainless steel appliances, quartz countertops, and stylish shaker-style cabinets in the kitchen. New light fixtures and vanities add a touch of elegance, while the brand-new HVAC system and water heater. Located in a desirable neighborhood, this move-in-ready home is a must-see! Don't miss the opportunity to own this newly renovated home in the heart of Terrytown. Schedule your showing today!
Utility Allowances
Cooking
$17
Property includes a Range/Oven. Electric was chosen as the more expensive option between common fuel types (gas and electric) since the specific fuel was not provided.
Heating
$140
Property has central heating. The fuel type is not specified. Electric was selected as it is the more expensive common option.
Other Electric
$67
This is a standard allowance for general electricity usage, such as lights and outlets, not covered by other specific electric utility allowances.
Sewer
$46
The property details state it is connected to the city sewer system.
Trash Collection
$25
Trash collection is a standard municipal service for a single-family home and is assumed to be a tenant expense.
Water
$43
The property details state it is connected to a public water source.
Water Heating
$51
A water heater is provided. Electric was chosen as the more expensive option between common fuel types (gas and electric) since the specific fuel was not provided.
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$1,246
DP3 Annual Estimate$1,303
DP1 Monthly Equivalent$104
DP3 Monthly Equivalent$109
Replacement Value$41,600
Basis1,501 sqft / 1979
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Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that roof, HVAC, and water heater are brand-new is accurate and systems are properly installed.
- Stainless range and dishwasher visible in photos are functioning and properly installed (gas/electric hookups safe).
- Bedrooms have code-compliant egress windows even though not individually shown in photos.
- Smoke and carbon monoxide detectors were not visible in photos; assume they may be present but must be verified by inspection.
- Electrical panel is intact and meets code but full interior view and labeling were not provided; no exposed wiring was visible in photos.
- No hidden mold, major pest infestation, or concealed water intrusion exists beyond what is visible in the photos; photos show no staining or mold-like discoloration.
- Yard grading and drainage are acceptable; no signs of foundation movement or major exterior water damage were visible.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $999 | $75,100 | $7,510 |
| 2024 | $996 | $75,100 | $7,510 |
| 2023 | $878 | $67,200 | $6,720 |
| 2022 | $856 | $67,200 | $6,720 |
| 2021 | $807 | $67,200 | $6,720 |
| 2020 | $801 | $67,200 | $6,720 |
| 2019 | $821 | $67,200 | $6,720 |
| 2018 | $767 | $67,200 | $6,720 |
| 2017 | $735 | $67,200 | $6,720 |
| 2016 | $721 | $67,200 | $6,720 |
| 2015 | $754 | $68,600 | $6,860 |
| 2014 | $745 | $68,600 | $6,860 |
| 2013 | $719 | $68,600 | $6,860 |
| 2010 | $720 | $70,300 | $7,030 |
| 2009 | $1,058 | $103,300 | $10,330 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-29 | Price Changed | $209,900 |
| 2025-10-01 | Listed | $219,900 |
| 2025-09-23 | Listing removed | $0 |
| 2025-09-12 | Price Changed | $219,900 |
| 2025-06-26 | Price Changed | $225,000 |
| 2025-04-25 | Price Changed | $229,900 |
| 2025-03-19 | Listed | $239,900 |
| 2024-12-19 | Sold | $0 |
| 1985-12-01 | Sold | $0 |
Photo Gallery
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"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": 1505.62,
"property_management_monthly": 159.4,
"monthly_cash_flow_after_debt": 125.47,
"cash_on_cash_return_after_debt": 0.04
},
"section8_assessment": {
"runs": [
{
"summary": "This property appears to be turnkey for Section 8/HCV occupancy with a high likelihood of passing an initial NSPIRE inspection after standard verification items. It shows a full interior renovation (floors, kitchen, baths), new HVAC and water heater per listing, and a new roof. Main outstanding inspection items to confirm are presence/placement/function of smoke and carbon monoxide detectors, GFCI protection in kitchen/baths, and operability of HVAC/hot water. No major structural or life‑safety failures are visible in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Interior and kitchen/bath photos show a full cosmetic renovation: new vinyl plank floors, fresh paint, new shaker cabinets, quartz counters, new light fixtures and vanities. Stainless appliances (range and dishwasher) are shown. Exterior photos show clean siding and a neat yard. Visible minor items: driveway has surface cracking and the small front stoop step has a low riser — easy repairs. No visible peeling paint, major drywall damage, or collapsed finishes. Missing appliances are not an issue here (appliances present). Overall low deferred maintenance and mostly cosmetic work only."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 78.0,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, no standing water, no visible exposed branch wiring and walls/ceilings appear intact. HVAC vents visible suggest ducted heating/cooling. However, smoke/carbon monoxide detectors are not visible in photos (NSPIRE requires detectors in sleeping areas/levels) and GFCI receptacles in kitchen/bath are not clearly documented in images. Bedroom egress windows are not shown but windows are present; assume typical egress exists. Entry doors appear solid but deadbolts are not visible. Electrical panel is partially visible near the kitchen and appears intact; no active electrical hazards seen. Overall moderate-to-low code risk but will require inspector confirmation of smoke/CO detectors, GFCI outlets and bedroom egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 85.0,
"rationale": "Listing states brand-new HVAC and water heater; interior register vents and modern range hood/vent are visible supporting that HVAC is installed. Listing also states a new roof and photos show a clean roofline with no sagging. Electrical panel presence is suggested near the kitchen and no exposed wiring is visible. Plumbing fixtures look modern in the kitchen; bathrooms are described as fully renovated (not fully pictured). Given the recent full renovation described and lack of visual evidence of system failure, mechanical systems likely in good condition but require verification of operational HVAC, hot water, and proper electrical labeling/grounding."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Front elevation and lot look well maintained: vinyl siding in good condition, low shrubs, fenced yard and concrete driveway. Driveway and sidewalk show minor surface cracking and wear (cosmetic/trip risk minimal). Fencing appears intact though gate condition not fully visible. Drainage slope away from foundation not verifiable from photos but no signs of foundation settlement or major exterior water damage seen. Overall exterior presents as sound and renter-ready with minimal landscaping/driveway touch-ups."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement that roof, HVAC, and water heater are brand-new is accurate and systems are properly installed.",
"Stainless range and dishwasher visible in photos are functioning and properly installed (gas/electric hookups safe).",
"Bedrooms have code-compliant egress windows even though not individually shown in photos.",
"Smoke and carbon monoxide detectors were not visible in photos; assume they may be present but must be verified by inspection.",
"Electrical panel is intact and meets code but full interior view and labeling were not provided; no exposed wiring was visible in photos.",
"No hidden mold, major pest infestation, or concealed water intrusion exists beyond what is visible in the photos; photos show no staining or mold-like discoloration.",
"Yard grading and drainage are acceptable; no signs of foundation movement or major exterior water damage were visible."
],
"overall_score": 84.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
},
{
"summary": "Property appears to be a high-quality, recently renovated single-family home with new roof, HVAC, and water heater and updated kitchen/baths. Interior and exterior photos show turnkey cosmetic and system condition. Most likely to pass an initial HCV/NSPIRE inspection after verification/installation of required safety devices (smoke and CO alarms), verification of GFCI protection in kitchen/bath, and confirmation of bedroom egress sizing. Expect minor punch-list items rather than major repairs.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 90.0,
"rationale": "Photos and listing describe a complete renovation: new flooring, fresh paint, new kitchen cabinets/countertops, stainless appliances, new light fixtures and vanities. Exterior siding and entry appear in good condition. Minor observable items: small concrete driveway cracking and a one-step threshold between rooms (trip potential). No visible deferred maintenance, water stains, or damaged finishes. Missing appliances are not an issue here (stove/dishwasher visible)."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 75.0,
"rationale": "No visible exposed wiring, no visible mold or water intrusion, and interior handrails or guardrails are not applicable in photos. Door(s) appear solid and lockable. However, smoke detectors and carbon monoxide alarms are not visible in any photos and cannot be confirmed — absence of properly located working smoke/CO detectors is an NSPIRE fail. GFCI presence at kitchen outlets is not verifiable from images. Bedroom egress windows appear present but window dimensions and emergency egress compliance cannot be confirmed. Overall low visible safety risk, but verification/installation of detectors and GFCI outlets is likely required at inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 90.0,
"rationale": "Listing explicitly states new roof, brand-new HVAC system, and new water heater; interior photos show ceiling/vent registers consistent with central HVAC and a modern range hood and stainless appliances. No visible signs of roof sagging, water staining or mechanical deterioration. Electrical panel location is not fully shown though a small panel-like door is visible in the kitchen area; accessibility and labeling must be confirmed. Given the claimed system replacements and no contrary evidence in photos, major systems appear sound."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 85.0,
"rationale": "Exterior photos show a well-maintained yard, intact vinyl siding, a new-looking roofline, functioning driveway and fencing. Concrete driveway has minor cracking but is serviceable. No standing water, major grading issues, visible foundation cracks, or infestation evidence in the images. Carport/covered parking and fenced side yard visible. Overall exterior appears in good rentable condition with only minor site repairs likely."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in any photos — absence will cause inspection failure if not installed/working.",
"GFCI protection at kitchen/bath outlets not verifiable from photos — must be confirmed.",
"Bedroom egress (window size/height) cannot be confirmed from images and should be verified for emergency escape compliance."
],
"confidence": 0.72,
"assumptions": [
"Listing is accurate about new roof, HVAC system, and water heater and those systems are fully operational.",
"Appliances shown in photos (range, dishwasher) are present and functioning at the time of inspection.",
"Electrical panel is present, intact and accessible though not fully visible in photos.",
"Bathrooms have been renovated per listing and include working fixtures and hot water, although not photographed.",
"No hidden water intrusion, significant mold, or structural movement exists beyond what is visible in photos.",
"Smoke and carbon monoxide alarms, and GFCI protection may not be visible in photos but will need verification and/or installation."
],
"overall_score": 85.0,
"rubric_version": "ns_prep_v1.0"
},
{
"summary": "This property appears to be highly turnkey for Section 8 tenancy. Photos and listing describe a full renovation with new roof, HVAC, water heater, flooring, kitchen and baths, and stainless appliances. Visible interior and exterior conditions are excellent with no obvious structural or water-intrusion issues. Primary inspection risks are verification items not visible in photos: presence and placement of smoke/CO detectors, GFCI protection at wet locations, and the electrical panel. With documentation or quick corrective installations (detectors, GFCI outlets if missing), this home is likely to pass an initial HCV/NSPIRE inspection and be rent-ready within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 88.0,
"rationale": "Photos and listing indicate a full recent renovation: new floors, new kitchen and baths, new fixtures, fresh paint and trim. No visible cosmetic defects, stains, or damage. Stainless appliances and range hood are present; refrigerator not shown but listing states new stainless appliances. Minor potential items: small transition step between rooms (visible) and typical punch-list items after renovation. Overall turnkey with only minor cosmetic/punch repairs likely."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 78.0,
"rationale": "No visible active life‑threatening hazards in photos: ceilings intact, no obvious mold, water stains, sagging, or foundation failure. HVAC vents visible and door hardware appears secure. However, smoke detectors and carbon monoxide alarms are not visible in any interior photos (required in hallways/bedrooms/near fuel-burning equipment), and GFCI protection at kitchen sink/outlets cannot be confirmed. Electrical panel location is not shown. Bedroom windows/egress not visible in the photos (they may exist but are unconfirmed). These unknowns reduce the safety score despite good visible condition."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof) condition",
"score": 90.0,
"rationale": "Listing explicitly states a brand-new roof, new HVAC system, and new water heater; interior photos show HVAC vents and a modern kitchen vent hood and updated electrical fixtures. No evidence of roof leaks, standing water, or plumbing failure in photos. Electrical panel and water heater not photographed for verification but listing claims new systems. Given the visible new finishes and vents, mechanical systems are likely in good working order, though final verification (service docs or on-site inspection) recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope, site, and immediate grounds",
"score": 92.0,
"rationale": "Exterior photos show new or well-maintained roofline and siding, intact windows, a level lawn, and a driveway in fair condition. Fencing and gated side yard observed. No visible foundation settlement, major siding damage, or drainage ponding. Concrete has normal hairline/crack aging but no trip-level offsets. Curb appeal and site safety are strong."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in any interior photos (could cause inspection fail if absent).",
"No electrical panel or clearly labeled circuit breaker location visible for verification.",
"GFCI protection at kitchen sink/outlets not verifiable from photos."
],
"confidence": 0.75,
"assumptions": [
"Listing is accurate: roof, HVAC, and water heater are new and in working condition as stated.",
"Stainless appliance package mentioned in description includes a refrigerator though a fridge is not pictured.",
"Bedrooms have code-compliant egress windows (not shown in provided photos).",
"Electrical panel exists and is intact but was not visible in provided photos.",
"No hidden active leaks, severe mold, or foundation movement beyond what is visible in the photos.",
"GFCI protection and smoke/CO detectors may be present but were not visible in the supplied images and therefore assumed uncertain."
],
"overall_score": 87.0,
"rubric_version": "2026-03-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "423 Bruce Ave, Terrytown, LA, 70056",
"aggregate": {
"summary": "This property appears to be turnkey for Section 8/HCV occupancy with a high likelihood of passing an initial NSPIRE inspection after standard verification items. It shows a full interior renovation (floors, kitchen, baths), new HVAC and water heater per listing, and a new roof. Main outstanding inspection items to confirm are presence/placement/function of smoke and carbon monoxide detectors, GFCI protection in kitchen/baths, and operability of HVAC/hot water. No major structural or life‑safety failures are visible in the provided photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 89.3,
"rationale": "Interior and kitchen/bath photos show a full cosmetic renovation: new vinyl plank floors, fresh paint, new shaker cabinets, quartz counters, new light fixtures and vanities. Stainless appliances (range and dishwasher) are shown. Exterior photos show clean siding and a neat yard. Visible minor items: driveway has surface cracking and the small front stoop step has a low riser — easy repairs. No visible peeling paint, major drywall damage, or collapsed finishes. Missing appliances are not an issue here (appliances present). Overall low deferred maintenance and mostly cosmetic work only."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 86.3,
"rationale": "Front elevation and lot look well maintained: vinyl siding in good condition, low shrubs, fenced yard and concrete driveway. Driveway and sidewalk show minor surface cracking and wear (cosmetic/trip risk minimal). Fencing appears intact though gate condition not fully visible. Drainage slope away from foundation not verifiable from photos but no signs of foundation settlement or major exterior water damage seen. Overall exterior presents as sound and renter-ready with minimal landscaping/driveway touch-ups."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risks)",
"score": 77.0,
"rationale": "No obvious life‑threatening hazards visible: no collapsed ceilings, no standing water, no visible exposed branch wiring and walls/ceilings appear intact. HVAC vents visible suggest ducted heating/cooling. However, smoke/carbon monoxide detectors are not visible in photos (NSPIRE requires detectors in sleeping areas/levels) and GFCI receptacles in kitchen/bath are not clearly documented in images. Bedroom egress windows are not shown but windows are present; assume typical egress exists. Entry doors appear solid but deadbolts are not visible. Electrical panel is partially visible near the kitchen and appears intact; no active electrical hazards seen. Overall moderate-to-low code risk but will require inspector confirmation of smoke/CO detectors, GFCI outlets and bedroom egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 88.3,
"rationale": "Listing states brand-new HVAC and water heater; interior register vents and modern range hood/vent are visible supporting that HVAC is installed. Listing also states a new roof and photos show a clean roofline with no sagging. Electrical panel presence is suggested near the kitchen and no exposed wiring is visible. Plumbing fixtures look modern in the kitchen; bathrooms are described as fully renovated (not fully pictured). Given the recent full renovation described and lack of visual evidence of system failure, mechanical systems likely in good condition but require verification of operational HVAC, hot water, and proper electrical labeling/grounding."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Listing statement that roof, HVAC, and water heater are brand-new is accurate and systems are properly installed.",
"Stainless range and dishwasher visible in photos are functioning and properly installed (gas/electric hookups safe).",
"Bedrooms have code-compliant egress windows even though not individually shown in photos.",
"Smoke and carbon monoxide detectors were not visible in photos; assume they may be present but must be verified by inspection.",
"Electrical panel is intact and meets code but full interior view and labeling were not provided; no exposed wiring was visible in photos.",
"No hidden mold, major pest infestation, or concealed water intrusion exists beyond what is visible in the photos; photos show no staining or mold-like discoloration.",
"Yard grading and drainage are acceptable; no signs of foundation movement or major exterior water damage were visible."
],
"score_method": "mean_of_criteria",
"overall_score": 85.5,
"rubric_version": "nsPIRE-v1.0-2026-03",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8330327234"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.