Property ID: 8343565234
9584 Burney Camp Rd, Bessemer, AL, 35023
Bessemer, AL
Money Down: $31,176
CoC Return: 21.14%
Monthly Cash Flow: $549
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,980
Closing Costs
$5,196
Total Down
$31,176
Investment Snapshot
Purchase Price
$129,900
Money Down
$31,176
Cash-on-Cash Return
21.14%
Rent
$1,505
Monthly Cash Flow
$549
Annual Cash Flow
$6,590
Debt Service / Mo
$691
Property Tax / Mo
$44
Insurance / Mo
$70
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,505
Payment Standard
$1,760
Rent
$1,505
Insurance
$70
Property Tax
$44
Management
$150
Utilities Allowance
$255
NOI (Monthly)
$1,241
Debt Service
$691
Cash Flow After Debt
$549
Quality Score: 78.60%
Confidence: 92.00%
This 3-bed, 1-bath single-family waterfront home appears largely turnkey for a Housing Choice Voucher/NSPIRE initial inspection. Strengths include a new roof (2023), relatively recent HVAC (2018), a new hot water heater (2025), all major kitchen appliances present, visible smoke detectors, and generally clean interior finishes. Primary concerns to verify at inspection are bedroom egress window dimensions, presence/operation of a CO detector (if required), electrical panel condition/labels, driveway cracking/trip hazards, and safety/condition of the boat dock and any floodplain or erosion risk. Most items visible are easy to remedy (cosmetic repairs, driveway patching, install/verify CO alarm).
Section 8 Payment Standard
$1,760
Utility Allowance Total
$255
Guaranteed Section 8 Rent (PS - Utilities)
$1,505
Property Management
$150
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
1
Living Area
1,350 sqft
Lot Size
11,326 sqft
Year Built
1960
Days on Market
111
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$44
Insurance / Mo
$70
Property Description
Welcome to 9584 Burney Camp Road-a deeded waterfront gem that's been thoughtfully updated and is fully move-in ready! This charming 3-bedroom, 1-bath home offers effortless riverside living with modern comforts - perfect as a personal retreat or a lucrative rental/Airbnb investment. Enjoy peace of mind with a brand-new roof (2023), efficient AC/Heat system (2018), and a shiny new hot water heater (2025). All appliances are to stay including the custom kitchen table, making your transition seamless. Outside, your private boat dock awaits for endless days on the water, while handy storage sheds keep everything organized. Nestled on a quiet, wooded lot, this property blends privacy with easy access to Warrior River adventures. Don't miss this turnkey Oak Grove retreat-schedule your showing today and make waves in your new waterfront haven!
Utility Allowances
heating
$67
Property has electric central heating. The 'Elec Heat: Bessemer' option was selected from the schedule to match the property's location and heating type.
cooling
$15
Property has central air conditioning. The 'A/C: Bessemer' option was selected from the schedule to match the property's location.
cooking
$14
Property includes an electric cooktop and oven. The 'Elec: Bessemer' option for cooking was selected from the schedule.
water_heating
$37
Property has an electric water heater. The 'Elec: Bessemer' option for water heating was selected from the schedule.
other_electric
$48
Standard allowance for general electric use (e.g., lights). The 'Lights, Ref, Etc.: Bessemer' option was chosen to match the location.
water
$68
Property uses public water. The 'Water: Bessemer' option was selected to match the property's location.
sewer
$0
Property uses a septic tank, not a public sewer system, resulting in no monthly tenant utility cost.
trash_collection
$0
The 'Bessemer ISCL' (Inside City Limits) option was chosen. The schedule indicates a $0 allowance, suggesting trash service is not a direct tenant expense.
refrigerator
$0
The property listing states a refrigerator is included, so a tenant-paid allowance is not applicable.
range_microwave
$6
A microwave is not listed as a provided appliance, so the tenant is assumed to be responsible for it.
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$686
DP3 Annual Estimate$985
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$82
Replacement Value$81,600
Basis1,350 sqft / 1960
Nearby Houses
Photo unavailable
9590 Burney Camp Rd
sold · 0.04 mi
Price: $13,000
— bd / — ba
Latest sale: $13,000
Latest rent: —
Photo unavailable
147 Glaze Creek Rd
sold · 0.08 mi
Price: $210,000
3 bd / 2 ba · 2,024 sqft
Latest sale: $210,000 on Aug 25, 2021
Latest rent: —
Photo unavailable
175 Glaze Creek Rd Lot 21
for_sale · 0.09 mi
Price: $45,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
139 Glaze Crk
sold · 0.10 mi
Price: $87,200
2 bd / 1 ba · 968 sqft
Latest sale: $87,200
Latest rent: —
Photo unavailable
159 Glaze Creek Rd
sold · 0.13 mi
Price: $55,000
3 bd / 2 ba · 1,680 sqft
Latest sale: $55,000 on Jun 22, 2020
Latest rent: —
Photo unavailable
509 Glaze Creek Rd
sold · 0.14 mi
Price: $80,000
3 bd / 2 ba · 868 sqft
Latest sale: $80,000 on Feb 12, 2019
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- Waterfront adjacency and private dock — potential flood/erosion risk and dock safety not verified
- No carbon monoxide alarm visible in photos (required if fuel-burning appliances/flue present)
- Concrete driveway has significant cracking and uneven areas that could be a trip hazard
Assumptions
- Appliances shown (range, refrigerator, dishwasher) are included and operational as stated in listing.
- The HVAC system (installed 2018) is operational; no visible evidence of failure in photos.
- The hot water heater installed 2025 is functioning and meets hot water requirements.
- Bedrooms have at least one window each; actual egress dimensions are unknown and must be verified at inspection.
- Electrical panel exists and is serviceable but was not photographed; no visible exposed wiring inside rooms suggests basic electrical safety.
- Smoke detectors visible in photos are operational; battery/test status is unverified.
- The water heater type (gas vs electric) is not documented — carbon monoxide detector need depends on fuel type; none was visible in photos.
- No active roof leaks or interior water damage are present based on lack of visible staining/sagging in photos.
- Dock condition, shoreline erosion, and floodplain status are not documented and require on-site verification.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $516 | $120,100 | $12,020 |
| 2023 | $499 | $110,100 | $11,020 |
| 2022 | $403 | $91,100 | $9,120 |
| 2021 | $242 | $58,900 | $5,900 |
| 2020 | $235 | $57,500 | $5,760 |
| 2019 | $576 | $57,500 | $11,500 |
| 2018 | $545 | $54,400 | $10,880 |
| 2017 | $429 | $85,700 | $8,580 |
| 2016 | $429 | $85,700 | $8,580 |
| 2015 | $429 | $85,700 | $8,580 |
| 2013 | $439 | $86,700 | $8,680 |
| 2012 | $429 | $84,780 | $8,478 |
| 2011 | $313 | $61,600 | $6,160 |
| 2010 | $313 | $61,600 | $6,160 |
| 2009 | $313 | $61,600 | $6,160 |
| 2008 | $330 | $64,900 | $6,490 |
| 2007 | $315 | $62,000 | $6,200 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2022-08-18 | Sold | $118,500 |
| 2021-03-10 | Sold | $112,000 |
| 2017-03-17 | Sold | $50,000 |
Photo Gallery
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"assessment": {
"land": null,
"total": 5760,
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}
},
{
"tax": 576,
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},
"assessment": {
"land": null,
"total": 11500,
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}
},
{
"tax": 545,
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"assessment": {
"land": null,
"total": 10880,
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}
},
{
"tax": 429,
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},
"assessment": {
"land": null,
"total": 8580,
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},
{
"tax": 429,
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"assessment": {
"land": null,
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"building": null
}
},
{
"tax": 429,
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"market": {
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},
"assessment": {
"land": null,
"total": 8580,
"building": null
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},
{
"tax": 439,
"year": 2013,
"market": {
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"total": 86700,
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"assessment": {
"land": null,
"total": 8680,
"building": null
}
},
{
"tax": 429,
"year": 2012,
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"assessment": {
"land": 3848,
"total": 8478,
"building": 4630
}
},
{
"tax": 313,
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"market": {
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"total": 61600,
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},
"assessment": {
"land": 1440,
"total": 6160,
"building": 4720
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},
{
"tax": 313,
"year": 2010,
"market": {
"land": 14400,
"total": 61600,
"building": 47200
},
"assessment": {
"land": 1440,
"total": 6160,
"building": 4720
}
},
{
"tax": 313,
"year": 2009,
"market": {
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"total": 61600,
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},
"assessment": {
"land": 1440,
"total": 6160,
"building": 4720
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},
{
"tax": 330,
"year": 2008,
"market": {
"land": 14400,
"total": 64900,
"building": 50500
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"assessment": {
"land": 1440,
"total": 6490,
"building": 5050
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},
{
"tax": 315,
"year": 2007,
"market": {
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"total": 62000,
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"assessment": {
"land": 1440,
"total": 6200,
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}
],
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{
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{
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"realtor_link": "https://www.realtor.com/realestateandhomes-detail/9584-Burney-Camp-Rd_Bessemer_AL_35023_M83435-65234",
"bedroom_count": 3,
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"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has electric central heating. The 'Elec Heat: Bessemer' option was selected from the schedule to match the property's location and heating type.",
"utility": "heating",
"allowance": 67
},
{
"note": "Property has central air conditioning. The 'A/C: Bessemer' option was selected from the schedule to match the property's location.",
"utility": "cooling",
"allowance": 15
},
{
"note": "Property includes an electric cooktop and oven. The 'Elec: Bessemer' option for cooking was selected from the schedule.",
"utility": "cooking",
"allowance": 14
},
{
"note": "Property has an electric water heater. The 'Elec: Bessemer' option for water heating was selected from the schedule.",
"utility": "water_heating",
"allowance": 37
},
{
"note": "Standard allowance for general electric use (e.g., lights). The 'Lights, Ref, Etc.: Bessemer' option was chosen to match the location.",
"utility": "other_electric",
"allowance": 48
},
{
"note": "Property uses public water. The 'Water: Bessemer' option was selected to match the property's location.",
"utility": "water",
"allowance": 68
},
{
"note": "Property uses a septic tank, not a public sewer system, resulting in no monthly tenant utility cost.",
"utility": "sewer",
"allowance": 0
},
{
"note": "The 'Bessemer ISCL' (Inside City Limits) option was chosen. The schedule indicates a $0 allowance, suggesting trash service is not a direct tenant expense.",
"utility": "trash_collection",
"allowance": 0
},
{
"note": "The property listing states a refrigerator is included, so a tenant-paid allowance is not applicable.",
"utility": "refrigerator",
"allowance": 0
},
{
"note": "A microwave is not listed as a provided appliance, so the tenant is assumed to be responsible for it.",
"utility": "range_microwave",
"allowance": 6
}
],
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"down_payment_amount": 25980.0,
"property_tax_annual": 531.48,
"property_tax_monthly": 44.29,
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"utility_allowance_total": 255.0,
"property_management_rate": 0.1,
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"effective_date": "2026-01-01"
},
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"annual_cash_flow_after_debt": 6590.43,
"property_management_monthly": 150.5,
"monthly_cash_flow_after_debt": 549.2,
"cash_on_cash_return_after_debt": 0.25
},
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"runs": [
{
"summary": "This 3-bed, 1-bath single-family waterfront home appears largely turnkey for a Housing Choice Voucher/NSPIRE initial inspection. Strengths include a new roof (2023), relatively recent HVAC (2018), a new hot water heater (2025), all major kitchen appliances present, visible smoke detectors, and generally clean interior finishes. Primary concerns to verify at inspection are bedroom egress window dimensions, presence/operation of a CO detector (if required), electrical panel condition/labels, driveway cracking/trip hazards, and safety/condition of the boat dock and any floodplain or erosion risk. Most items visible are easy to remedy (cosmetic repairs, driveway patching, install/verify CO alarm).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears clean and recently maintained: kitchen cabinets, flooring, and appliances are present and in reasonable condition. Listing states new roof (2023) and new hot water heater (2025). Visible cosmetic issues: ceiling panel seams/uneven areas in the living/kitchen, minor cabinet wear, and large cracks in the concrete driveway. Exterior sheds and concrete pads show age but usable. Missing or marginal items are cosmetic or capital-repair level (driveway patching, minor ceiling repair, caulking, paint). Appliances are present which reduces repair burden."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 85.0,
"rationale": "Photos show at least two ceiling smoke detectors in central living area and a deadbolt appears present on the exterior door. GFCI-style outlet is visible near the kitchen sink. No exposed electrical wiring is visible in photos. Interior fixtures and walking surfaces appear even and free of major trip hazards. No visible active leaks, collapsed ceilings, or major mold staining. Unknowns: CO alarm not visible in photos, bedroom windows and their egress dimensions are not shown (bedrooms claimed but not photographed). No loose or missing guardrails observed at the small front stoop, but the private dock (waterfront) is not photographed closely so dock safety/railings cannot be confirmed. Overall low to moderate NSPIRE risk with a few documentation/verification items needed on inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Plumbing, Electrical)",
"score": 85.0,
"rationale": "Listing indicates a new roof (2023), HVAC installed 2018, and a new hot water heater (2025) — all favorable for inspections. Photos show functioning kitchen fixtures (sink, faucet) and appliances including refrigerator, range, and dishwasher. No evidence of water stains, sagging ceilings, or pipe leaks. Electrical panel was not photographed so panel condition/labeling can't be confirmed, but visible outlets and fixtures look intact. Given the documented recent replacements and no visible system damage, major systems likely pass but electrical panel and furnace operation should be verified at inspection."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and roofline appear intact and vinyl siding looks serviceable. Driveway has significant cracking and erosion of landscape areas; the yard shows bare soil patches that could cause tracking/mud or minor drainage. Property is directly waterfront with a private boat dock (listing) — proximity to water introduces potential flood/erosion concerns and dock safety items that require verification. Sheds and outbuildings are present and appear functional but age is evident. No obvious foundation movement or major exterior structural sagging seen from available photos."
}
],
"red_flags": [
"Waterfront adjacency and private dock — potential flood/erosion risk and dock safety not verified",
"No carbon monoxide alarm visible in photos (required if fuel-burning appliances/flue present)",
"Concrete driveway has significant cracking and uneven areas that could be a trip hazard"
],
"confidence": 0.7,
"assumptions": [
"Appliances shown (range, refrigerator, dishwasher) are included and operational as stated in listing.",
"The HVAC system (installed 2018) is operational; no visible evidence of failure in photos.",
"The hot water heater installed 2025 is functioning and meets hot water requirements.",
"Bedrooms have at least one window each; actual egress dimensions are unknown and must be verified at inspection.",
"Electrical panel exists and is serviceable but was not photographed; no visible exposed wiring inside rooms suggests basic electrical safety.",
"Smoke detectors visible in photos are operational; battery/test status is unverified.",
"The water heater type (gas vs electric) is not documented — carbon monoxide detector need depends on fuel type; none was visible in photos.",
"No active roof leaks or interior water damage are present based on lack of visible staining/sagging in photos.",
"Dock condition, shoreline erosion, and floodplain status are not documented and require on-site verification."
],
"overall_score": 80.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall this 3-bed, 1-bath waterfront home appears largely turnkey for Section 8/HCV leasing: kitchen appliances present, new roof (2023), HVAC (2018), and new water heater (2025) reduce system risk. Interior and exterior show typical, minor cosmetic wear; most items are easy-to-fix. Primary inspection risks are documentation/verification items (GFCI outlets, carbon monoxide alarm if required, electrical panel condition) and safety concerns related to the unfenced waterfront and cracked driveway. With a short scope of vendor checks and minor repairs (confirm/replace detectors, verify GFCI, address driveway trip hazards, and verify bedroom egress) this property is likely to pass an initial NSPIRE/HCV inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears clean and recently maintained; full kitchen present (refrigerator, range, dishwasher) and cabinetry intact. Flooring is sheet vinyl in good condition. Cosmetic issues visible: ceiling panel seams/uneven areas (possible prior repair), worn cabinet hardware, and cracked concrete driveway. Yard and exterior storage sheds show normal wear. Missing or damaged small items (outlet covers not visible in every photo) appear to be minor and repairable. Overall turn-key with minor cosmetic work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "Two smoke detectors visible on ceiling in main living area (positive). Entry door shows both knob and deadbolt. No exposed electrical wiring observed in photos. Kitchen plumbing and fixtures appear serviceable. Uncertainties: no carbon monoxide detector visible (required if any fuel-burning appliances or attached garage), GFCI protection near sink is not clearly identifiable in photos (kitchen outlets not clearly GFCI labeled), bedroom egress windows not shown, and the property backs to open water with no visible child-safety barrier/fence (potential hazard). No active leaks, collapsed ceilings, or obvious electrical hazards visible."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 85.0,
"rationale": "Listing states a brand-new roof in 2023, HVAC installed 2018, and new hot water heater 2025 — these replacements strongly reduce near-term system risk. Visible HVAC vents and register in place; water fixtures look functional. Electrical panel is not shown (unknown), but no visible evidence of electrical distress. Given the recent major replacements and lack of visible system damage, mechanical systems appear in good condition though final verification (panel, breaker labeling, evidence of plumbing leaks, furnace operation) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 65.0,
"rationale": "Exterior siding appears intact and vinyl; roof looks in good shape from photos. Concrete driveway is extensively cracked and uneven (trip hazard). Lot slopes to a narrow river/waterway with a private dock — attractive amenity but creates potential safety/liability issues (no visible perimeter fencing). Several outbuildings/sheds are on concrete pads providing storage. Mature trees close to the structure could pose future root or falling-branch risks. Overall the envelope is serviceable but the water proximity and driveway condition lower the score."
}
],
"red_flags": [
"Unfenced waterfront access — open drop to river is a child-safety and liability concern for rentals.",
"No carbon monoxide detector visible in photos (required if fuel-burning appliances or attached garage) — installer/verification needed.",
"Cracked and uneven driveway concrete — trip hazard that could fail inspection if severe.",
"Bedroom egress windows not shown/verified in photos — must confirm to pass NSPIRE egress requirements.",
"GFCI protection at kitchen sink/outlets not clearly identified in photos — must verify/install if missing."
],
"confidence": 0.78,
"assumptions": [
"Listing claims are accurate: roof replaced 2023, HVAC installed 2018, hot water heater new in 2025 and are operational.",
"Stove is electric (photos show an electric range); therefore carbon monoxide risk from stove is unlikely but water heater fuel type is unknown (could be gas).",
"Bedrooms and egress windows meet size/egress requirements unless otherwise noted; photos do not show bedrooms so egress compliance is assumed but unverified.",
"Electrical panel, service amperage, and breaker labeling are present and intact though not shown in photos; no visible knob-and-tube or damaged wiring in provided images.",
"No active interior mold or ongoing water intrusion exists beyond minor ceiling seam evidence; ceiling irregularities are assumed cosmetic or prior repaired leaks given new roof."
],
"overall_score": 76.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This waterfront single-family appears largely turnkey for Section 8/HCV occupancy: roof, HVAC and water heater are recent, appliances included, interior is clean and in good repair. The most likely NSPIRE inspection issues are missing/uncertain GFCI protection in the kitchen/bath, unconfirmed bedroom egress, and absence/unknown location of CO alarm. These are generally quick fixes. No structural or life-safety collapse issues are evident from photos; expect minor repairs and a targeted safety compliance checklist (GFCI, CO alarm if needed, confirm egress) prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior photos show a clean, recently-updated appearance with intact flooring, functioning kitchen cabinets and countertops, and included appliances (stove, fridge, dishwasher). Minor cosmetic issues observed: scuffed cabinet faces, small ceiling seams/low spots, missing threshold/trim near stove area, and cracked driveway concrete outside. All issues appear cosmetic or small maintenance items that are easy/quick to remedy and do not indicate major deferred maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 70.0,
"rationale": "Smoke detectors are visible in the main living area and entry door shows two locks (knob + secondary lock). No exposed wiring, visible plumbing fixtures appear functional and there are no obvious signs of active leaks or mold. However, key safety items are unverified: GFCI protection at kitchen/bath outlets is not visible (outlets shown are standard style), carbon monoxide alarm is not visible, and bedroom egress windows are not photographed/confirmed. The driveway has moderate cracking and uneven ground at the front yard which is a small trip hazard. These unverified items create a moderate NSPIRE inspection risk and would likely require minor corrective work if missing."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 88.0,
"rationale": "Listing states and photos support that major systems are recent and in good order: roof replaced 2023, AC/heat listed as 2018, hot water heater listed as 2025. Kitchen appliances present and appear functional. No visible water stains, active leaks, or obvious HVAC failures in photos. Electrical panel is not shown (unknown), so a small deduction applied for unverified panel/GFCI breaker locations. Overall systems appear well-maintained and likely operational."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior shows vinyl siding in serviceable condition, multiple storage sheds, concrete driveway/turnaround providing parking, and a private boat dock at the water—positive value-add for renters. Observed negatives include a cracked/settled driveway, trees very near the roofline (leaf/debris load risk), and the lot slopes to a narrow watercourse which implies potential flood and erosion risk (floodplain not confirmed). No obvious foundation cracking or structural sagging visible in exterior photos."
}
],
"red_flags": [
"GFCI protection at kitchen/bath outlets not evident in photos (potential NSPIRE fail item).",
"Bedroom egress windows not verified in provided photos (inspection risk)."
],
"confidence": 0.75,
"assumptions": [
"Smoke detectors visible in main living area are functional; locations in bedrooms/hallways not shown.",
"Stove is electric (photos show electric range); therefore carbon monoxide alarm may not be strictly required by local code, but none is visible.",
"GFCI outlets are not visible in photos; assume absent at kitchen counter and bathroom(s) until verified.",
"Electrical panel location and condition are not shown; assume intact but unverified.",
"Bedroom windows and their compliance with emergency egress requirements are not photographed and therefore unconfirmed.",
"No interior photos of bathrooms or bedrooms were provided; assumptions about plumbing fixtures, hot water availability and bedroom conditions are based on listing statements and visible common areas.",
"Floodplain/risks from waterfront location were not assessed; proximity to water implies potential local flood elevation concerns that need confirmation."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "9584 Burney Camp Rd, Bessemer, AL, 35023",
"aggregate": {
"summary": "This 3-bed, 1-bath single-family waterfront home appears largely turnkey for a Housing Choice Voucher/NSPIRE initial inspection. Strengths include a new roof (2023), relatively recent HVAC (2018), a new hot water heater (2025), all major kitchen appliances present, visible smoke detectors, and generally clean interior finishes. Primary concerns to verify at inspection are bedroom egress window dimensions, presence/operation of a CO detector (if required), electrical panel condition/labels, driveway cracking/trip hazards, and safety/condition of the boat dock and any floodplain or erosion risk. Most items visible are easy to remedy (cosmetic repairs, driveway patching, install/verify CO alarm).",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears clean and recently maintained: kitchen cabinets, flooring, and appliances are present and in reasonable condition. Listing states new roof (2023) and new hot water heater (2025). Visible cosmetic issues: ceiling panel seams/uneven areas in the living/kitchen, minor cabinet wear, and large cracks in the concrete driveway. Exterior sheds and concrete pads show age but usable. Missing or marginal items are cosmetic or capital-repair level (driveway patching, minor ceiling repair, caulking, paint). Appliances are present which reduces repair burden."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Exterior siding and roofline appear intact and vinyl siding looks serviceable. Driveway has significant cracking and erosion of landscape areas; the yard shows bare soil patches that could cause tracking/mud or minor drainage. Property is directly waterfront with a private boat dock (listing) — proximity to water introduces potential flood/erosion concerns and dock safety items that require verification. Sheds and outbuildings are present and appear functional but age is evident. No obvious foundation movement or major exterior structural sagging seen from available photos."
},
{
"key": "safety_code",
"label": "Safety & Code Risks (NSPIRE)",
"score": 75.0,
"rationale": "Photos show at least two ceiling smoke detectors in central living area and a deadbolt appears present on the exterior door. GFCI-style outlet is visible near the kitchen sink. No exposed electrical wiring is visible in photos. Interior fixtures and walking surfaces appear even and free of major trip hazards. No visible active leaks, collapsed ceilings, or major mold staining. Unknowns: CO alarm not visible in photos, bedroom windows and their egress dimensions are not shown (bedrooms claimed but not photographed). No loose or missing guardrails observed at the small front stoop, but the private dock (waterfront) is not photographed closely so dock safety/railings cannot be confirmed. Overall low to moderate NSPIRE risk with a few documentation/verification items needed on inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Roof, Plumbing, Electrical)",
"score": 86.0,
"rationale": "Listing indicates a new roof (2023), HVAC installed 2018, and a new hot water heater (2025) — all favorable for inspections. Photos show functioning kitchen fixtures (sink, faucet) and appliances including refrigerator, range, and dishwasher. No evidence of water stains, sagging ceilings, or pipe leaks. Electrical panel was not photographed so panel condition/labeling can't be confirmed, but visible outlets and fixtures look intact. Given the documented recent replacements and no visible system damage, major systems likely pass but electrical panel and furnace operation should be verified at inspection."
}
],
"red_flags": [
"Waterfront adjacency and private dock — potential flood/erosion risk and dock safety not verified",
"No carbon monoxide alarm visible in photos (required if fuel-burning appliances/flue present)",
"Concrete driveway has significant cracking and uneven areas that could be a trip hazard"
],
"confidence": 0.92,
"assumptions": [
"Appliances shown (range, refrigerator, dishwasher) are included and operational as stated in listing.",
"The HVAC system (installed 2018) is operational; no visible evidence of failure in photos.",
"The hot water heater installed 2025 is functioning and meets hot water requirements.",
"Bedrooms have at least one window each; actual egress dimensions are unknown and must be verified at inspection.",
"Electrical panel exists and is serviceable but was not photographed; no visible exposed wiring inside rooms suggests basic electrical safety.",
"Smoke detectors visible in photos are operational; battery/test status is unverified.",
"The water heater type (gas vs electric) is not documented — carbon monoxide detector need depends on fuel type; none was visible in photos.",
"No active roof leaks or interior water damage are present based on lack of visible staining/sagging in photos.",
"Dock condition, shoreline erosion, and floodplain status are not documented and require on-site verification."
],
"score_method": "mean_of_criteria",
"overall_score": 78.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8343565234"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.