Property ID: 8440187323

1110 N Lamar St, Jackson, MS, 39202

Jackson, MS

For Sale Feb 16, 2026 10:48 PM UTC Realtor Zillow Street View
Money Down: $20,640 CoC Return: 34.74% Monthly Cash Flow: $597
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,200
Closing Costs
$3,440
Total Down
$20,640
Primary property image

Investment Snapshot

Purchase Price
$86,000
Money Down
$20,640
Cash-on-Cash Return
34.74%
Rent
$1,287
Monthly Cash Flow
$597
Annual Cash Flow
$7,169
Debt Service / Mo
$458
Property Tax / Mo
$68
Insurance / Mo
$35

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
$1,287
Payment Standard
$1,570
Rent
$1,287
Insurance
$35
Property Tax
$68
Management
$129
Utilities Allowance
$283
NOI (Monthly)
$1,055
Debt Service
$458
Cash Flow After Debt
$597

Quality Score: 73.40%

Confidence: 75.00%

Overall this property appears in generally good exterior condition and would likely pass a first HCV/NSPIRE inspection after addressing a small list of likely interior items. Main risks are unverified interior safety items (smoke/CO alarms, GFCI outlets, hot water, electrical panel) and unknown condition of HVAC and water heater. Expect minor to moderate work (detectors, GFCIs, light/cover repairs, possible HVAC service) to reach full compliance; time-to-rent likely within 2–6 weeks depending on discovery during an interior inspection.

Section 8 Payment Standard
$1,570
Utility Allowance Total
$283
Guaranteed Section 8 Rent (PS - Utilities)
$1,287
Property Management
$129

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$86,000
Beds
2
Baths
1
Living Area
902 sqft
Lot Size
3,485 sqft
Year Built
2002
Days on Market
102
Capital Outlay
$20,640
Debt Service
$458
Property Tax / Mo
$68
Insurance / Mo
$35

Property Description

SOLD ''AS IS'' Charming and well-kept home just minutes from downtown Jackson! Enjoy a bright living area, efficient kitchen, and two comfortable bedrooms. Features include storm doors, a small deck for relaxing, and a neatly maintained yard. Conveniently located near shopping, dining, and major highways-this home offers comfort, value, and city convenience in one cozy package! Washer & Dryer and refrigerator to remain with acceptable offer.

Utility Allowances

Heating
$17
Selected 'natural_gas' for a 2-bedroom unit. Property info indicates 'Central' heating and availability of natural gas.
Cooking
$6
Selected 'natural_gas' for a 2-bedroom unit. Property is listed as having a 'Gas Cooktop'.
Water Heating
$15
Selected 'natural_gas' for a 2-bedroom unit. Fuel type was not specified, but natural gas is available and used for cooking, making it the most logical choice.
Air Conditioning
$10
Selected the fixed allowance for a 2-bedroom unit. Property is listed as having 'Central Air'.
Other Electric
$56
Selected the fixed allowance for a 2-bedroom unit for general electricity usage (lights, outlets).
Sewer
$49
Selected the fixed allowance for a 2-bedroom unit. Property is listed as having 'Public Sewer'.
Water
$93
Selected the fixed allowance for a 2-bedroom unit. Property is listed as having 'Public' water.
Trash Collection
$37
Selected the fixed allowance for a 2-bedroom unit. This is a standard utility for a single-family home.

Source References

Insurance Quotes

Coverage Options

View Quote
DP1 Annual Estimate$411
DP3 Annual Estimate$430
DP1 Monthly Equivalent$34
DP3 Monthly Equivalent$36
Replacement Value$30,850
Basis902 sqft / 2002

Nearby Houses

Nearby house 1
Photo unavailable

322 S Nearview St

for_sale · 0.15 mi
Price: $84,500
3 bd / 1 ba · 1,253 sqft
Latest sale: — on Aug 02, 2021
Latest rent: $750 on Jan 28, 2021
Nearby house 2
Photo unavailable

193 E Bell St

sold · 0.22 mi
Price: $120,500
3 bd / 1 ba · 1,207 sqft
Latest sale: — on Jun 27, 2025
Latest rent: —
Nearby house 3
Photo unavailable

922 Bloom St

off_market · 0.23 mi
Price: $925
4 bd / 2 ba · 1,123 sqft
Latest sale: —
Latest rent: $1,297 on Oct 04, 2025
Nearby house 4
Photo unavailable

251 E Ash St

for_sale · 0.25 mi
Price: $7,500
2 bd / 1 ba · 1,025 sqft
Latest sale: —
Latest rent: —
Nearby house 5
Photo unavailable

175 E Bell St

sold · 0.25 mi
Price: $80,000
3 bd / 1 ba · 1,242 sqft
Latest sale: — on Jul 27, 2022
Latest rent: $995 on Jul 08, 2025
Nearby house 6
Photo unavailable

222 E Church St

sold · 0.33 mi
Price: $10,000
2 bd / 1 ba · 444 sqft
Latest sale: — on Aug 07, 2025
Latest rent: —
Nearby house 7
Photo unavailable

235 Taft St

for_sale · 0.35 mi
Price: $39,000
2 bd / 1 ba · 840 sqft
Latest sale: —
Latest rent: —
Nearby house 8
Photo unavailable

302 Alexander St

sold · 0.36 mi
Price: $70,000
3 bd / 1 ba
Latest sale: — on Jan 08, 2025
Latest rent: $1,150 on Jun 06, 2025

Risk and Criteria Detail

Red Flags

  • success

Assumptions

  • Interior photos not provided; assumed interior condition is average/well-kept consistent with listing text 'well-kept'.
  • Washer, dryer, and refrigerator will be left with an acceptable offer per listing; stove presence not explicitly confirmed but assumed typical kitchen range exists or can be provided.
  • Smoke and CO detectors, GFCI outlets, hot water, and heating/cooling systems are unverified and therefore treated as unknown risks rather than confirmed failures.
  • No visible major roof leaks, foundation movement, structural sagging, or large-scale water intrusion from the exterior photo.
  • Windows visible on front are assumed to be standard egress-capable double-hung units for bedrooms/living areas; exact bedroom window sizes/egress not verified.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
No tax history available.

Sale History

DateEventPrice
2025-11-07 Listed $86,000

Photo Gallery

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                          "description": "Check out this newly upgraded 3-bedroom, 1-bath home on E Bell St in the Ben Whitfield subdivision of Jackson. \n\nWe are pet-friendly! Your dogs and cats are welcome at 175 East Bell Street.\n\nA contemporary feel awaits in this recently refreshed home. Modern amenities feature whole-home Air Conditioning, an electric stove and oven, and a refrigerator. The upgraded kitchen includes desirable granite/quartz countertops and washer/dryer hookups. Stylish luxury vinyl plank flooring extends through the living areas, with complementary tile in the bathrooms. \n\nThis one-story home sits on more than a tenth of an acre of land and the backyard is fenced-in. Enjoy sunny afternoons and warm evenings overlooking your private yard from the porch.\n\nPark with confidence in your dedicated Driveway. \n\nApplications are processed in the order they are completed and received. We gladly accept Section 8 / Housing Choice Vouchers. We consider a variety of factors, including household income, estimated living expenses, and credit history in our application review process. Application does not guarantee a lease.\n\nAmerican Avenue is an Equal Housing Lessor under the FHA. Applicable local, state and federal laws may apply. Lease terms and conditions apply. This is not an offer to rent. You must submit additional information for review and approval. Listing features may not be accurate and should be confirmed by touring the home.\n\nAvoid rental scams! American Avenue does not list homes on Facebook Marketplace, TikTok, or Craigslist. We will never ask you to pay money via Zelle, CashApp, Bitcoin, or any method outside our website. Do not trust anyone offering you this home for a lower price than you see advertised here.\n\nClick \"Request a tour\" to schedule your free self-tour.\n\nIn addition to monthly rent, tenants pay for all utilities, and if American Avenue or a third party processes any utility bills on the tenant's behalf, an additional Utility Bill Management fee of $14.99 per month applies. Tenants must pay for the Resident Protection Plus+ program ($53.68 per month). Animal Rent is $55 per pet per month (subject to applicable law).",
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    "runs": [
      {
        "summary": "Overall this property appears in generally good exterior condition and would likely pass a first HCV/NSPIRE inspection after addressing a small list of likely interior items. Main risks are unverified interior safety items (smoke/CO alarms, GFCI outlets, hot water, electrical panel) and unknown condition of HVAC and water heater. Expect minor to moderate work (detectors, GFCIs, light/cover repairs, possible HVAC service) to reach full compliance; time-to-rent likely within 2–6 weeks depending on discovery during an interior inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Front exterior and yard appear reasonably maintained; porch and railings intact. Listing states kitchen appliances (washer/dryer and refrigerator) will remain with acceptable offer, reducing appliance risk. Visible minor cosmetic wear (faded paint on porch/trim, overgrown shrubs) but no visible major interior/exterior damage in provided photo. Because interior photos are not provided, minor unseen cosmetic/finish repairs are assumed. Missing interior fixtures (lighting/outlet covers) not observed but should be expected and are easy to remedy."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance (NSPIRE risk)",
            "score": 60.0,
            "rationale": "Exterior shows a secure storm/screen door, intact porch railing, and an apparently sound walkway and steps. No exposed wiring or obvious structural sagging visible from photo. However critical NSPIRE items cannot be confirmed from photos: presence/placement of smoke and CO alarms, GFCI protection in kitchen/bath, hot water availability, electrical panel condition, and bedroom egress for both bedrooms. Because these are unknown but there are no outward signs of severe hazards, score reflects moderate inspection risk requiring verification/corrections (likely small fixes like detectors or GFCIs)."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, electrical, plumbing, roof)",
            "score": 55.0,
            "rationale": "Roof shingles appear intact with no visible sagging or active leaks from front elevation; foundation brick skirt looks stable. No HVAC condenser or water-heater visible in the provided photo to confirm presence/age/operation. Electrical service, panel, plumbing fixtures, and hot-water system cannot be verified. Given the house's 2002 build year, systems may be original or mid-life and should be inspected; potential for service or replacement exists but no evidence of catastrophic failure is visible."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 80.0,
            "rationale": "Yard is neatly maintained; sidewalks and curb appear in serviceable condition. Vinyl siding and brick foundation appear intact with no visible major cracks or moisture intrusion at front. Small front deck/stairs and railing present. Landscaping (shrubs near windows) may partially obstruct egress windows or require trimming but is an easy fix. No visible standing water, erosion, or infestation evidence in the provided image."
          }
        ],
        "red_flags": [],
        "confidence": 0.55,
        "assumptions": [
          "Interior photos not provided; assumed interior condition is average/well-kept consistent with listing text 'well-kept'.",
          "Washer, dryer, and refrigerator will be left with an acceptable offer per listing; stove presence not explicitly confirmed but assumed typical kitchen range exists or can be provided.",
          "Smoke and CO detectors, GFCI outlets, hot water, and heating/cooling systems are unverified and therefore treated as unknown risks rather than confirmed failures.",
          "No visible major roof leaks, foundation movement, structural sagging, or large-scale water intrusion from the exterior photo.",
          "Windows visible on front are assumed to be standard egress-capable double-hung units for bedrooms/living areas; exact bedroom window sizes/egress not verified."
        ],
        "overall_score": 67.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Based on exterior photos and the listing, this 2BR/1BA property appears well‑kept and likely to pass an initial HCV/Section 8 inspection with minor, quick fixes if any. The exterior, foundation, and roof show no obvious severe defects; most likely deficiencies if found will be cosmetic or simple compliance items (smoke/CO detectors, GFCI outlets, deadbolt). Unseen interior systems (HVAC, hot water, electrical panel) introduce moderate uncertainty and could require service but there are no visible red‑flag structural or life‑safety issues.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Visible condition & repairs",
            "score": 80.0,
            "rationale": "Front elevation and yard photos show a generally well‑kept single‑family home: intact siding, painted trim, maintained landscaping, brick foundation visible and appearing sound, and an intact small front deck/steps with railings. Observable minor items: paint wear on the front screen/door and railings and a small sidewalk/curb crack. Listing states washer/dryer and refrigerator available with offer (reduces appliance risk). No interior photos to judge flooring/cabinets/drywall, so assumed to be average for an as‑is sale built 2002. Most visible issues are cosmetic or small repairs — easy to fix, capital items rather than structural failures."
          },
          {
            "key": "safety_code",
            "label": "Section 8 / NSPIRE safety & code risk",
            "score": 70.0,
            "rationale": "No obvious life‑threatening hazards visible from exterior: no sagging roofline, no collapsed areas, no standing water, no exposed wiring on the visible facade, and the small porch has guardrails. Cannot verify presence/location of smoke and CO detectors, GFCI protection in kitchen/bath, hot water availability, or bedroom egress from exterior photos. Entry door has a screen/security door visible but deadbolt presence is not confirmed. Because no active hazards are evident but several NSPIRE items are unverified from photos, score is moderate — likely passable if interior fittings (smoke detectors, deadbolt, working plumbing) are present; otherwise could require quick fixes."
          },
          {
            "key": "systems_mechanical",
            "label": "Roof, HVAC, electrical, plumbing, water heater",
            "score": 65.0,
            "rationale": "Roof shingles appear generally intact with no visible large patches of missing shingles or sagging, suggesting no immediate major roof failure. No exterior HVAC condenser or mechanical equipment visible in the front photo (likely at side/rear) and interior systems (furnace/AC, water heater, electrical panel) are not shown. Given the home's 2002 construction and listing describing it as 'well‑kept', it's reasonable to expect functioning systems, but absence of evidence creates moderate risk that one or two systems may need service. Thus score reflects likely functional systems but with uncertainty and possible minor repairs or servicing required."
          },
          {
            "key": "exterior_site",
            "label": "Exterior envelope, yard, walkways, foundation",
            "score": 85.0,
            "rationale": "Exterior photo shows even roofline, intact siding, brick skirt foundation with no visible major cracks, trimmed yard, working storm/screen door and a small front deck. Walkway from curb to steps appears generally level; curb shows minor cracking and leaf debris. No signs of exterior neglect, visible pest infestation, or drainage pooling in the photographed view. Overall site appears tidy and low risk for immediate repairs."
          }
        ],
        "red_flags": [],
        "confidence": 0.6,
        "assumptions": [
          "Interior condition (flooring, drywall, cabinets, plumbing fixtures) is typical for an 'as‑is' but 'well‑kept' listing from 2002; no visible major interior distress from exterior cues.",
          "Washer, dryer, and refrigerator will remain with an acceptable offer as stated in the listing and therefore appliances are available for tenants.",
          "Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may need verification or installation to meet NSPIRE requirements.",
          "Heating and cooling systems, water heater, and electrical panel exist and are operational or serviceable but their condition is unverified from provided photos.",
          "GFCI protection locations (kitchen/bath) and bedroom egress window sizing cannot be confirmed from exterior photo and will need interior verification.",
          "Entry door likely has standard locking hardware but presence of a working deadbolt must be confirmed."
        ],
        "overall_score": 75.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall the property presents as a well-kept, low-risk single-family house likely to pass an initial Section 8 (NSPIRE) inspection with minor actions. Exterior and curb appeal are good; biggest unknowns are interior safety devices (smoke/CO/GFCI), verification of HVAC and hot water, and electrical panel condition. Addressing or verifying detectors, GFCIs, HVAC operation, and basic plumbing/electrical checks should put this property in turnkey condition within 1–4 weeks.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Deferred Maintenance",
            "score": 85.0,
            "rationale": "Exterior visible from photos and description appears well-kept: siding intact, windows in place, small front deck/steps and railings present, lawn maintained. Listing indicates washer/dryer and refrigerator remain with acceptable offer, reducing appliance risk. Cosmetic items (paint touch-ups, minor porch/trim wear) are likely. No visible major deferred maintenance. These are easy-to-fix, capital-only items and would not be expected to block an initial inspection if interior is similarly maintained."
          },
          {
            "key": "safety_code",
            "label": "Safety & NSPIRE Code Risk",
            "score": 72.0,
            "rationale": "No obvious life-threatening hazards visible on exterior: no sagging roofline, no collapsed elements, no visible exposed wiring, stairs/handrail present at front entry. House built 2002 lowers lead-paint risk. However, interior safety-critical items are not verifiable in photos: presence/placement of smoke detectors, carbon monoxide alarm (if applicable), GFCI protection in kitchen/bath, functioning egress windows, and deadbolt on entry door are unknown. Conservative moderate score reflects probable basic compliance given age and appearance but deducts for unknowns that commonly cause initial inspection failures."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems Condition (HVAC, Plumbing, Electrical, Roof)",
            "score": 70.0,
            "rationale": "Roof shingles look intact from the front elevation with no visible sagging or active leak indicators. No HVAC condenser or systems are visible in the photo; built 2002 suggests a central system may exist but this is unconfirmed. Water heater, electrical panel, and plumbing condition are not shown. Because none of the major systems show external distress but are unverified, score reflects moderate confidence — likely service/verification required (AC operation, hot water, breaker labeling, plumbing checks)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior Envelope & Site Condition",
            "score": 88.0,
            "rationale": "Front yard and walkway are tidy; brick foundation veneer appears sound with no visible large cracks. Siding and shutters look intact; small porch and storm door present. Sidewalk and curb look serviceable. No visible standing water, drainage issues, or infestation evidence in the provided photo. Overall low exterior risk for inspection."
          }
        ],
        "red_flags": [],
        "confidence": 0.6,
        "assumptions": [
          "Interior conditions (walls, floors, ceilings, plumbing fixtures) are generally comparable to the tidy exterior and listing description 'well-kept.'",
          "Listing statement that washer/dryer and refrigerator will remain with acceptable offer is accurate and appliances are operable or repairable.",
          "Built in 2002 so lead-based paint risk is low (post-1978).",
          "No major roof leaks, hidden structural issues, or severe mold present beyond what is visible in the exterior photo.",
          "There is no visible central HVAC condenser in the provided photo; an HVAC system likely exists but its operational status is unknown.",
          "Smoke detectors, carbon monoxide alarms, GFCI outlets, and proper egress windows are not visible in photos and therefore assumed unknown."
        ],
        "overall_score": 79.0,
        "rubric_version": "1.0"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "1110 N Lamar St, Jackson, MS, 39202",
    "aggregate": {
      "summary": "Overall this property appears in generally good exterior condition and would likely pass a first HCV/NSPIRE inspection after addressing a small list of likely interior items. Main risks are unverified interior safety items (smoke/CO alarms, GFCI outlets, hot water, electrical panel) and unknown condition of HVAC and water heater. Expect minor to moderate work (detectors, GFCIs, light/cover repairs, possible HVAC service) to reach full compliance; time-to-rent likely within 2–6 weeks depending on discovery during an interior inspection.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 80.0,
          "rationale": "Front exterior and yard appear reasonably maintained; porch and railings intact. Listing states kitchen appliances (washer/dryer and refrigerator) will remain with acceptable offer, reducing appliance risk. Visible minor cosmetic wear (faded paint on porch/trim, overgrown shrubs) but no visible major interior/exterior damage in provided photo. Because interior photos are not provided, minor unseen cosmetic/finish repairs are assumed. Missing interior fixtures (lighting/outlet covers) not observed but should be expected and are easy to remedy."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 84.3,
          "rationale": "Yard is neatly maintained; sidewalks and curb appear in serviceable condition. Vinyl siding and brick foundation appear intact with no visible major cracks or moisture intrusion at front. Small front deck/stairs and railing present. Landscaping (shrubs near windows) may partially obstruct egress windows or require trimming but is an easy fix. No visible standing water, erosion, or infestation evidence in the provided image."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Compliance (NSPIRE risk)",
          "score": 67.3,
          "rationale": "Exterior shows a secure storm/screen door, intact porch railing, and an apparently sound walkway and steps. No exposed wiring or obvious structural sagging visible from photo. However critical NSPIRE items cannot be confirmed from photos: presence/placement of smoke and CO alarms, GFCI protection in kitchen/bath, hot water availability, electrical panel condition, and bedroom egress for both bedrooms. Because these are unknown but there are no outward signs of severe hazards, score reflects moderate inspection risk requiring verification/corrections (likely small fixes like detectors or GFCIs)."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC, electrical, plumbing, roof)",
          "score": 63.3,
          "rationale": "Roof shingles appear intact with no visible sagging or active leaks from front elevation; foundation brick skirt looks stable. No HVAC condenser or water-heater visible in the provided photo to confirm presence/age/operation. Electrical service, panel, plumbing fixtures, and hot-water system cannot be verified. Given the house's 2002 build year, systems may be original or mid-life and should be inspected; potential for service or replacement exists but no evidence of catastrophic failure is visible."
        }
      ],
      "red_flags": [],
      "confidence": 0.75,
      "assumptions": [
        "Interior photos not provided; assumed interior condition is average/well-kept consistent with listing text 'well-kept'.",
        "Washer, dryer, and refrigerator will be left with an acceptable offer per listing; stove presence not explicitly confirmed but assumed typical kitchen range exists or can be provided.",
        "Smoke and CO detectors, GFCI outlets, hot water, and heating/cooling systems are unverified and therefore treated as unknown risks rather than confirmed failures.",
        "No visible major roof leaks, foundation movement, structural sagging, or large-scale water intrusion from the exterior photo.",
        "Windows visible on front are assumed to be standard egress-capable double-hung units for bedrooms/living areas; exact bedroom window sizes/egress not verified."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 73.4,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8440187323"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.