Property ID: 8433115293
2528 Oak Leaf Ln, Adamsville, AL, 35005
Adamsville, AL
Money Down: $31,176
CoC Return: 4.77%
Monthly Cash Flow: $124
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
4.77%
Rent
$1,115
Monthly Cash Flow
$124
Annual Cash Flow
$1,488
Debt Service / Mo
$691
Property Tax / Mo
$110
Insurance / Mo
$79
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,115
Payment Standard
$1,584
Rent
$1,115
Insurance
$79
Property Tax
$110
Management
$112
Utilities Allowance
$469
NOI (Monthly)
$815
Debt Service
$691
Cash Flow After Debt
$124
Quality Score: 73.00%
Confidence: 94.00%
Photos show a generally well-maintained 3BR/2BA single-family home with fresh paint, updated flooring, functional-looking HVAC (outdoor unit visible), intact metal roof, and no obvious structural defects. Remaining inspection risks are items not shown in photos: kitchen appliances, water heater, electrical panel/GFCI locations, and bedroom egress verification. Yard cleanup (brush pile) and minor repairs (gate, threshold, small trim work) are recommended. Based on visible condition, property is likely to pass an initial HCV/NSPIRE inspection after addressing minor items and confirming required detectors and plumbing/appliances — estimated rent-ready within ~2-4 weeks depending on appliance provision and verification of systems.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$469
Guaranteed Section 8 Rent (PS - Utilities)
$1,115
Property Management
$112
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$129,900
Beds
3
Baths
2
Living Area
1,368 sqft
Lot Size
15,246 sqft
Year Built
1975
Days on Market
181
Capital Outlay
$31,176
Debt Service
$691
Property Tax / Mo
$110
Insurance / Mo
$79
Property Description
Come check out this beautiful 3 bedroom/2 bathroom home that features a large fenced backyard and storage shed! This home has been updated with luxury flooring, modern fixtures, fresh paint, and a gorgeous fireplace!
Utility Allowances
Cooking
$16
Appliances are not listed as provided. Natural gas is assumed to be the cooking fuel consistent with the heating choice. The 'Graysville' provider is selected as it serves the Adamsville area and is the more expensive natural gas option.
Heating
$42
The property has central heating and a gas fireplace, suggesting natural gas is the fuel source. 'N'Gas: Graysville' was chosen as it serves the Adamsville area and is the more expensive provider option compared to Spire.
Cooling
$22
Property data indicates 'Central Air' conditioning, which is electric. 'A/C: Alabama Power' is chosen as it's a major provider and the most expensive option on the schedule.
Water Heating
$56
Property data explicitly states an 'Electric Water Heater'. 'Elec: Ala Power' is selected as a major regional provider and the most expensive electric option on the schedule.
Other Electric
$68
This is a baseline allowance for general electric use (lights, etc.). 'Lights, Ref, Etc.: Ala Power' is selected as the most likely and most expensive provider option.
Water
$100
Property data indicates public water. The 'Water: Graysville' utility is selected as it serves the Adamsville area and is a more expensive option than others listed.
Sewer
$151
Property data explicitly states the property is 'Sewer Connected'. The fixed allowance from the schedule is used.
Trash Collection
$0
The property is in Adamsville. The schedule lists 'Graysville ISCL' for this area with a $0 allowance, suggesting this service is likely paid via taxes or other fees.
Refrigerator
$8
The property information does not state a refrigerator is included, so it is assumed to be tenant-owned and the corresponding allowance is applied.
Range/Microwave
$6
The property information does not state a microwave or range is included, so they are assumed to be tenant-owned and the corresponding allowance is applied.
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$793
DP3 Annual Estimate$1,092
DP1 Monthly Equivalent$66
DP3 Monthly Equivalent$91
Replacement Value$111,000
Basis1,368 sqft / 1975
Nearby Houses
Photo unavailable
2531 Oak Leaf Ln
sold · 0.04 mi
Price: $167,253
3 bd / 1 ba · 1,008 sqft
Latest sale: $167,253 on Dec 17, 2021
Latest rent: $1,170 on Sep 06, 2021
Photo unavailable
5056 Oak Leaf Cir
sold · 0.07 mi
Price: $95,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $95,000 on Nov 06, 2019
Latest rent: —
Photo unavailable
5040 Oak Leaf Cir
sold · 0.07 mi
Price: $124,000
3 bd / 2 ba · 1,008 sqft
Latest sale: $124,000 on May 12, 2023
Latest rent: $1,195 on Dec 16, 2025
Photo unavailable
5024 Oak Leaf Cir
sold · 0.07 mi
Price: $143,000
3 bd / 2 ba · 1,227 sqft
Latest sale: $143,000 on Sep 12, 2025
Latest rent: $1,050 on Jun 02, 2021
Photo unavailable
5060 Oak Leaf Cir
sold · 0.07 mi
Price: $9,000
3 bd / 2 ba · 1,156 sqft
Latest sale: $9,000 on Apr 03, 2023
Latest rent: $1,000 on Sep 13, 2019
Photo unavailable
5088 Oak Leaf Cir
sold · 0.09 mi
Price: $114,000
4 bd / 2 ba · 1,481 sqft
Latest sale: $114,000 on Jun 22, 2020
Latest rent: —
Photo unavailable
5092 Oak Leaf Cir
sold · 0.10 mi
Price: $127,500
3 bd / 2 ba · 2,458 sqft
Latest sale: $127,500 on Jun 29, 2023
Latest rent: $1,125 on Jun 11, 2019
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Kitchen photos not provided; assume stove/refrigerator are not confirmed present and may need to be supplied.
- HVAC is assumed present and functional because an outdoor condenser unit is visible.
- Smoke detector visible near living room is operational; additional detectors/CO alarms (if required) are unverified.
- No interior water damage or mold is present based on clean ceilings and walls in photos; hidden issues not visible may exist but no signs were observed.
- Electrical service and meter are assumed functional from exterior view; interior panel condition not verified.
- Bedroom egress windows are assumed adequate based on window size and placement in front elevations, but bedroom-specific photos were not provided.
- Roof is assumed watertight due to lack of visible leaks or sagging in interior/exterior photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,277 | $133,000 | $26,600 |
| 2023 | $1,129 | $112,700 | $22,540 |
| 2022 | $1,225 | $122,300 | $24,460 |
| 2021 | $886 | $88,500 | $17,700 |
| 2020 | $919 | $91,800 | $18,360 |
| 2019 | $924 | $92,300 | $18,460 |
| 2018 | $836 | $83,500 | $16,700 |
| 2017 | $836 | $83,500 | $16,700 |
| 2016 | $836 | $83,500 | $16,700 |
| 2015 | $836 | $83,500 | $16,700 |
| 2013 | $840 | $73,200 | $14,640 |
| 2012 | $840 | $82,400 | $16,480 |
| 2011 | $851 | $83,500 | $16,700 |
| 2010 | $834 | $81,800 | $16,360 |
| 2009 | $834 | $81,800 | $16,360 |
| 2008 | $370 | $83,500 | $8,350 |
| 2007 | $347 | $79,000 | $7,900 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-07-26 | Sold | $95,500 |
| 2017-12-17 | Sold | $35,920 |
| 2016-08-15 | Sold | $31,080 |
| 2008-07-01 | Sold | $81,500 |
| 2004-07-20 | Sold | $69,900 |
| 2000-06-07 | Sold | $49,750 |
| 1999-10-28 | Sold | $52,125 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2019-08-06 | Listed for rent | $935 | — |
| 2018-07-17 | Listed for rent | $900 | — |
Photo Gallery
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{
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{
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{
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},
{
"note": "This is a baseline allowance for general electric use (lights, etc.). 'Lights, Ref, Etc.: Ala Power' is selected as the most likely and most expensive provider option.",
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{
"note": "Property data indicates public water. The 'Water: Graysville' utility is selected as it serves the Adamsville area and is a more expensive option than others listed.",
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{
"note": "Property data explicitly states the property is 'Sewer Connected'. The fixed allowance from the schedule is used.",
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{
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{
"note": "The property information does not state a refrigerator is included, so it is assumed to be tenant-owned and the corresponding allowance is applied.",
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{
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"property_management_monthly": 111.5,
"monthly_cash_flow_after_debt": 123.97,
"cash_on_cash_return_after_debt": 0.06
},
"section8_assessment": {
"runs": [
{
"summary": "Photos show a generally well-maintained 3BR/2BA single-family home with fresh paint, updated flooring, functional-looking HVAC (outdoor unit visible), intact metal roof, and no obvious structural defects. Remaining inspection risks are items not shown in photos: kitchen appliances, water heater, electrical panel/GFCI locations, and bedroom egress verification. Yard cleanup (brush pile) and minor repairs (gate, threshold, small trim work) are recommended. Based on visible condition, property is likely to pass an initial HCV/NSPIRE inspection after addressing minor items and confirming required detectors and plumbing/appliances — estimated rent-ready within ~2-4 weeks depending on appliance provision and verification of systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show fresh paint, updated flooring and generally well-kept surfaces. Concrete front steps show minor chipping but are serviceable. Minor exterior trim gaps and a small threshold gap at the front door are visible. Backyard has brush/debris piles and a slightly sagging chain-link gate that will need clearing/repair. No major interior finish damage visible. Appliances (kitchen photos not provided) are not shown — missing/unknown appliances reduce the score moderately."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "A ceiling-mounted smoke detector is visible in the living area. Entry door appears to have a functioning lock and likely a deadbolt. No exposed wiring or visible electrical hazards in exterior photos; electrical service and meter appear intact. Windows are full-height in living areas and likely provide egress for bedrooms, but interior bedroom windows not shown to confirm. No visible active roof leaks or ceiling damage. GFCI outlets, carbon monoxide alarm (if required), and kitchen/bath fixtures not shown. Small front steps lack a handrail but are only two steps (handrail typically required at 4+ risers). Overall some required items are unverified from provided photos, so moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Exterior shows an outdoor AC condenser indicating central HVAC (likely functional). Metal roof appears intact with no visible major sagging or missing panels. Foundation is raised concrete block with vents visible; no major cracks or settlement are apparent in photos. Electrical meter and conduit visible and appear intact. Water heater and electrical panel were not photographed; hot water and interior heating functionality unverified. Crawlspace access and plumbing condition cannot be confirmed from photos."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Large fenced yard and a storage shed are present (positive for tenant storage). Siding has a recent paint finish and looks sound. Rear patio/french-doors present. Some yard maintenance needed: brush/limb pile, overgrown patches near fence, and a partially sagging chain-link gate. Drainage appears adequate from photos (no visible standing water), but full site grade/drainage details not verifiable. No obvious pest/infestation signs in photos besides yard debris which can attract pests if not removed."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": 0.7,
"assumptions": [
"Kitchen photos not provided; assume stove/refrigerator are not confirmed present and may need to be supplied.",
"HVAC is assumed present and functional because an outdoor condenser unit is visible.",
"Smoke detector visible near living room is operational; additional detectors/CO alarms (if required) are unverified.",
"No interior water damage or mold is present based on clean ceilings and walls in photos; hidden issues not visible may exist but no signs were observed.",
"Electrical service and meter are assumed functional from exterior view; interior panel condition not verified.",
"Bedroom egress windows are assumed adequate based on window size and placement in front elevations, but bedroom-specific photos were not provided.",
"Roof is assumed watertight due to lack of visible leaks or sagging in interior/exterior photos."
],
"overall_score": 72.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment"
},
{
"summary": "This 3-bed, 2-bath home appears cosmetically updated and generally well maintained with a serviceable metal roof, visible HVAC unit, fresh interior paint, and new-look flooring. Photo evidence supports a likely Section 8 pass after a short punch-list: verify/install CO detector, confirm working water heater/plumbing and electrical panel condition, remove yard debris, repair/finish front step threshold and consider adding a handrail if required by local code, and confirm presence/operation of kitchen appliances or provide replacements. No major structural or life-safety failures were visible in the photos. Estimated readiness timeline: minor work (1–4 weeks) to address small safety items and install/confirm appliances/systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior photos show fresh paint and new-looking luxury vinyl flooring; overall cosmetic condition appears good. Exterior paint and siding look maintained and the metal roof appears intact. Observable minor repair items: chipped corner on front concrete steps, small concrete step without a handrail, and yard debris/brush pile in backyard. Missing/unknown appliances (kitchen appliances not shown) assumed not present in photos and reduce score moderately. No visible severe deferred maintenance (rot, collapsed elements, major missing siding)."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 68.0,
"rationale": "A ceiling-mounted smoke detector is visible in the living area which is favorable. No obvious exposed wiring, loose panels, or collapsed ceilings were observed. Exterior electrical meter and disconnect are present and appear intact. Potential issues: carbon monoxide detector not visible (property has a fireplace/chimney so CO protection may be required), bedroom egress windows cannot be confirmed from photos, GFCI protection in kitchen/baths cannot be verified, and the front entry steps lack a handrail. Yard brush pile and low-hanging tree branches are trip/clearance hazards. No visible active water intrusion or mold in photos. Overall moderate inspection risk due to several items not visible/verified."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 74.0,
"rationale": "An exterior HVAC condenser is visible suggesting a functioning heating/cooling system is present. Roof is metal and appears serviceable with no visible sagging or active leaks. Foundation is raised with crawlspace vents visible and no large settlement cracks seen in photos. Electrical meter and conduit shown and appear intact. Water heater, hot water availability, plumbing fixtures and electrical panel locations are not shown and therefore unverified. Mechanical evaluation is moderately positive based on visible HVAC and intact roof/foundation, but incomplete due to hidden system components."
},
{
"key": "exterior_site",
"label": "Exterior & Site Conditions",
"score": 78.0,
"rationale": "Large fenced yard and a storage shed are present, which are positive rental features. Chain-link fencing and gates exist though one gate appears slightly bent and could be straightened. Yard has a significant pile of cut branches/vegetation that should be removed before tenancy. Tree growth is close to the structure (near roofline) and should be trimmed to reduce risk. Driveway is gravel but serviceable. Overall site is usable with a few minor corrections recommended."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": 0.6,
"assumptions": [
"Kitchen appliances (stove, refrigerator) are not visible in the listing photos and are assumed missing or unverified; missing appliances moderately reduce condition score.",
"A smoke detector is visible in the living area; carbon monoxide detector presence was not shown and is assumed absent until verified.",
"Bedrooms and their windows (egress) were not photographed; assume typical windows but egress compliance is unverified.",
"Water heater, main electrical panel, GFCI outlets, and plumbing fixture operation were not photographed and are assumed functional unless inspection finds otherwise.",
"The visible fireplace implies potential need for CO detection and inspection of flue/venting; the type (gas vs. wood) is not specified.",
"No interior photos of bathrooms or kitchen were provided; comments about plumbing, mold, or tile are therefore assumptions based on visible overall condition.",
"No signs of major foundation movement, roof sagging, collapsed ceilings, or severe mold were observed; assume none present unless an in-person inspection finds otherwise."
],
"overall_score": 75.0,
"rubric_version": "nspr_v1.0_2026-02"
},
{
"summary": "Based on available photos and listing details, this 3BR/2BA single-family home appears largely turnkey for Section 8 tenancy with cosmetic updates, intact exterior envelope, an A/C unit, and evidence of a smoke detector. The most likely inspection issues are items that require verification rather than obvious failures: presence/operation of carbon monoxide alarm (fireplace present), GFCI protection in kitchen/bath, functioning water heater and heating system, and proper bedroom egress window dimensions. Easy-to-fix items include yard cleanup, minor concrete/threshold repair, gate alignment, and potential appliance replacement. No major structural failures, active leaks, collapsed ceilings, or exposed electrical hazards were observed in the photos. Recommended next steps before listing for voucher tenants: confirm operable smoke/CO alarms, test HVAC and water heater, verify outlets/GFCI, confirm bedroom egress, and clear yard debris.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior and interior photos show fresh paint, updated luxury flooring and generally well-maintained surfaces. Visible items needing attention are minor: concrete entry steps have chipping at edges and a small gap under the exterior door threshold, a pile of yard debris/brush needs removal, and the chain-link gate is slightly sagging. No visible collapsed or severely damaged finishes. Missing kitchen/bath photos mean appliances and cabinetry could be missing or require replacement — this was treated as a moderate, easy-to-fix item rather than catastrophic. Overall cosmetic condition is good; most work would be cleaning, minor concrete/threshold repair and possibly installing/replacing appliances or fixtures."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "A ceiling-mounted round device is visible in the living space (likely a smoke detector). Exterior electrical meter and service appear intact and accessible. No exposed wiring, obvious structural cracks, collapsed ceilings, or standing water were seen. Entry door appears to have a keyed lockset (deadbolt-like hardware visible). Potential inspection risks: carbon monoxide alarm presence is not confirmed (fireplace visible - CO alarm may be required), GFCI protection in kitchen/baths is unverified (no photos of outlets in those rooms), and egress windows for bedrooms cannot be fully confirmed from available photos. The concrete front steps lack a handrail but are only two risers (handrail typically required at 4+ risers). Yard debris and tree limbs near the house are minor trip/hazard concerns. These issues are mostly corrective rather than immediate life-safety failures but would need verification/fixes for inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 70.0,
"rationale": "An exterior A/C condenser unit is present and appears intact, indicating cooling equipment is likely installed. The roof is metal and appears generally sound with no obvious large missing sections or active leaks visible in photos. Foundation/block stem wall and crawl vents are present. Electrical service meter/panel exterior is visible and intact. Unknowns that affect score: water heater, furnace/air handler, plumbing condition, and interior electrical panel operation could not be inspected from photos. No signs of major roof failure, structural sagging, or foundation movement were observed. Given visible components and age (1975) the systems look functional but require on-site verification (service test of HVAC, hot water, and interior panel)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large fenced backyard with a storage shed and mature trees; siding and painted exterior are in good visual condition. Chain-link fence and gates are present though one gate is slightly misaligned/sagging. Driveway/parking area is gravel with some bare patches. There is a small pile of brush/yard debris and vegetation close to the shed and property edges that should be cleared. Trees are close to the structure (limb-fall risk) and should be trimmed as routine maintenance. No obvious exterior pest infestation or major drainage pooling visible. Overall the site is usable but needs basic clean-up and fence/landscaping attention."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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": 0.7,
"assumptions": [
"Interior rooms not photographed (kitchen, bathrooms, bedrooms) are assumed to be present but their appliance and outlet/GFCI status is unknown.",
"The round ceiling device seen in the living room is assumed to be a working smoke detector but carbon monoxide alarm presence is unconfirmed.",
"HVAC system is assumed present and operable because an exterior A/C condenser is visible; full operational testing is assumed necessary.",
"No evidence of active roof leaks or foundation movement was observed in exterior photos; roof and foundation are assumed serviceable but should be confirmed on-site.",
"Listing updates (fresh paint, luxury flooring, modern fixtures) are assumed accurate and representative of most interior living spaces.",
"Utilities (electric, water) are assumed to be connected and functioning; this was not directly verified from photos."
],
"overall_score": 73.0,
"rubric_version": "1.0"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2528 Oak Leaf Ln, Adamsville, AL, 35005",
"aggregate": {
"summary": "Photos show a generally well-maintained 3BR/2BA single-family home with fresh paint, updated flooring, functional-looking HVAC (outdoor unit visible), intact metal roof, and no obvious structural defects. Remaining inspection risks are items not shown in photos: kitchen appliances, water heater, electrical panel/GFCI locations, and bedroom egress verification. Yard cleanup (brush pile) and minor repairs (gate, threshold, small trim work) are recommended. Based on visible condition, property is likely to pass an initial HCV/NSPIRE inspection after addressing minor items and confirming required detectors and plumbing/appliances — estimated rent-ready within ~2-4 weeks depending on appliance provision and verification of systems.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 76.0,
"rationale": "Exterior and interior photos show fresh paint, updated flooring and generally well-kept surfaces. Concrete front steps show minor chipping but are serviceable. Minor exterior trim gaps and a small threshold gap at the front door are visible. Backyard has brush/debris piles and a slightly sagging chain-link gate that will need clearing/repair. No major interior finish damage visible. Appliances (kitchen photos not provided) are not shown — missing/unknown appliances reduce the score moderately."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large fenced yard and a storage shed are present (positive for tenant storage). Siding has a recent paint finish and looks sound. Rear patio/french-doors present. Some yard maintenance needed: brush/limb pile, overgrown patches near fence, and a partially sagging chain-link gate. Drainage appears adequate from photos (no visible standing water), but full site grade/drainage details not verifiable. No obvious pest/infestation signs in photos besides yard debris which can attract pests if not removed."
},
{
"key": "rental_history_activity",
"label": "Evidence of recent rental activity (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 Compliance",
"score": 69.3,
"rationale": "A ceiling-mounted smoke detector is visible in the living area. Entry door appears to have a functioning lock and likely a deadbolt. No exposed wiring or visible electrical hazards in exterior photos; electrical service and meter appear intact. Windows are full-height in living areas and likely provide egress for bedrooms, but interior bedroom windows not shown to confirm. No visible active roof leaks or ceiling damage. GFCI outlets, carbon monoxide alarm (if required), and kitchen/bath fixtures not shown. Small front steps lack a handrail but are only two steps (handrail typically required at 4+ risers). Overall some required items are unverified from provided photos, so moderate risk remains."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 71.3,
"rationale": "Exterior shows an outdoor AC condenser indicating central HVAC (likely functional). Metal roof appears intact with no visible major sagging or missing panels. Foundation is raised concrete block with vents visible; no major cracks or settlement are apparent in photos. Electrical meter and conduit visible and appear intact. Water heater and electrical panel were not photographed; hot water and interior heating functionality unverified. Crawlspace access and plumbing condition cannot be confirmed from photos."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Kitchen photos not provided; assume stove/refrigerator are not confirmed present and may need to be supplied.",
"HVAC is assumed present and functional because an outdoor condenser unit is visible.",
"Smoke detector visible near living room is operational; additional detectors/CO alarms (if required) are unverified.",
"No interior water damage or mold is present based on clean ceilings and walls in photos; hidden issues not visible may exist but no signs were observed.",
"Electrical service and meter are assumed functional from exterior view; interior panel condition not verified.",
"Bedroom egress windows are assumed adequate based on window size and placement in front elevations, but bedroom-specific photos were not provided.",
"Roof is assumed watertight due to lack of visible leaks or sagging in interior/exterior photos."
],
"score_method": "mean_of_criteria",
"overall_score": 73.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8433115293"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.