805 Avenue A, Westwego, LA, 70094
Westwego, LA
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 81.10%
Confidence: 90.00%
This property appears turnkey and was comprehensively renovated with major systems replaced (foundation, roof, plumbing, mini-split HVAC). Interior finishes and appliances are present and in good visual condition. The most important inspection risks are code items that are not visible in photos: working smoke detectors in required locations, carbon-monoxide alarm (gas range present), and verified GFCI protection for kitchen/bath outlets. If those items are installed/confirmed, the home is highly likely to pass an initial HCV/NSPIRE inspection with only minor corrections. Recommended pre-listing checks: install/verify smoke & CO alarms, verify GFCI outlets or breakers, confirm water heater and electrical panel condition and labeling.
Property Fundamentals
Property Description
Welcome to this beautifully renovated raised home located in a well-established neighborhood! This turnkey property has been thoughtfully updated from top to bottom and is ready for new owners to move in and enjoy. Entire foundation rebuilt and reinforced, brand-new HVAC mini-split system for efficient cooling & heating, All new roof, flooring, appliances, and plumbing, underground PVC plumbing from home to city connection, gorgeous Brazilian granite countertops and new kitchen cabinets and kitchen island. Covered patio and whole yard installed fencing. Oversized shed with electric and plumbing connections, great for a workshop or studio. This is not just a renovation, it's a transformation. With all major systems updated and beautiful design finishes throughout. Flood X Zone.
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement (foundation, roof, plumbing, HVAC) is accurate and work was completed to code.
- Mini-split HVAC units pictured are operational and properly installed.
- Water heater and main electrical panel exist and are functional though not pictured.
- Smoke detectors and carbon-monoxide alarms are not visible in photos and therefore should be verified/installed before inspection.
- Kitchen countertop outlets may not be GFCI-type (not clearly visible); presence of GFCI breakers at the panel is unknown.
- Door hardware includes a deadbolt (two lock components visible) but lock condition should be verified.
- No hidden active leaks, severe mold, or structural movement beyond what is shown in photos given the reported foundation work; if present, that would change the score substantially.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $675 | $58,300 | $5,830 |
| 2024 | $676 | $58,300 | $5,830 |
| 2023 | $693 | $58,300 | $5,830 |
| 2022 | $693 | $58,300 | $5,830 |
| 2021 | $651 | $58,300 | $5,830 |
| 2020 | $646 | $58,300 | $5,830 |
| 2019 | $619 | $58,300 | $5,830 |
| 2018 | $570 | $58,300 | $5,830 |
| 2017 | $542 | $58,300 | $5,830 |
| 2016 | $542 | $58,300 | $5,830 |
| 2015 | $551 | $58,300 | $5,830 |
| 2014 | $515 | $58,300 | $5,830 |
| 2013 | $515 | $58,300 | $5,830 |
| 2012 | $139 | $58,300 | $5,830 |
| 2011 | $141 | $58,300 | $5,830 |
| 2010 | $364 | $58,300 | $5,830 |
| 2009 | $505 | $58,300 | $5,830 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2025-07-28 | Sold | — |
Photo Gallery
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"total": 58300,
"building": 28100
},
"assessment": {
"land": 3020,
"total": 5830,
"building": 2810
}
},
{
"tax": 139,
"year": 2012,
"market": {
"land": 30200,
"total": 58300,
"building": 28100
},
"assessment": {
"land": 3020,
"total": 5830,
"building": 2810
}
},
{
"tax": 141,
"year": 2011,
"market": {
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"total": 58300,
"building": 28100
},
"assessment": {
"land": 3020,
"total": 5830,
"building": 2810
}
},
{
"tax": 364,
"year": 2010,
"market": {
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"total": 58300,
"building": 28100
},
"assessment": {
"land": 3020,
"total": 5830,
"building": 2810
}
},
{
"tax": 505,
"year": 2009,
"market": {
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"total": 58300,
"building": 28100
},
"assessment": {
"land": 3020,
"total": 5830,
"building": 2810
}
}
],
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{
"date": "2026-02-11",
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"list_price": 125000,
"listing_id": "2987061686",
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{
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"last_update_date": "2026-02-12T16:54:07Z",
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{
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{
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{
"date": "2025-07-28",
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"source_name": "Public Record",
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},
{
"date": "1996-08-01",
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"listing": null,
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],
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},
"rmn_listing_attribution": false
},
"property_id": "8477707035",
"generated_at": "2026-02-16T21:46:04.899274Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 81.1
},
"utility_allowance": {
"zip_code": "70094",
"home_photo": "https://ap.rdcpix.com/c0d65ae211543388c55082aee71c46a5l-m1466875752s-w1280.jpg",
"rent_price": 1280.0,
"loan_amount": 100000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/805-Avenue-A_Westwego_LA_70094_M84777-07035",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 125000.0,
"loan_term_years": 30,
"annual_cash_flow": 12286.75,
"mortgage_monthly": 665.3,
"payment_standard": 1552.0,
"total_amount_out": 25000.0,
"additional_photos": [
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"https://ap.rdcpix.com/c0d65ae211543388c55082aee71c46a5l-m1090847209s-w1280.jpg",
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"https://ap.rdcpix.com/c0d65ae211543388c55082aee71c46a5l-m1117484078s-w1280.jpg",
"https://ap.rdcpix.com/c0d65ae211543388c55082aee71c46a5l-m824275241s-w1280.jpg",
"https://ap.rdcpix.com/c0d65ae211543388c55082aee71c46a5l-m3253163682s-w1280.jpg",
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],
"down_payment_rate": 0.2,
"insurance_monthly": 70.17,
"monthly_cash_flow": 1023.9,
"property_tax_rate": null,
"_utility_allowance": {
"sources": [
"file:///Users/chris/Github/RentalProperties/utility_allowance_fetcher/temp_agent/simple_with_context/data/LA270/sources/utility/wp-content_uploads_2026_01_UTILITYALLOW.SINGLE.FAMILY.2026.raster.pdf"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "The property includes a 'Ductless Wall Unit' for cooling, which uses electricity. The allowance is based on the 2BR schedule.",
"utility": "air_conditioning",
"allowance": 23
},
{
"note": "An electric range/oven is provided by the landlord. The tenant pays for electricity usage. The electric option was chosen as it's consistent with the heating/cooling system and is the more expensive option.",
"utility": "cooking",
"allowance": 8
},
{
"note": "Standard monthly base fee for having an active tenant-paid electric account.",
"utility": "electric_monthly_fee",
"allowance": 26
},
{
"note": "The property is listed as having 'Gas: Natural'. This is the standard monthly base fee for an active tenant-paid gas account, likely for the water heater.",
"utility": "gas_monthly_fee",
"allowance": 28
},
{
"note": "The property description specifies a 'brand-new HVAC mini-split system for efficient cooling & heating', which is an electric heat pump. The allowance is based on the 2BR schedule for an electric heat pump.",
"utility": "heating",
"allowance": 11
},
{
"note": "Included as a standard municipal fee common for single-family homes in this location.",
"utility": "mosquito_monthly_fee",
"allowance": 3
},
{
"note": "This covers general tenant electricity usage for lights, outlets, and miscellaneous appliances not covered by other specific utility categories.",
"utility": "other_electric",
"allowance": 35
},
{
"note": "The property information explicitly states it is connected to the city's public sewer system.",
"utility": "sewer",
"allowance": 56
},
{
"note": "Inferred as a standard municipal service for a single-family residence, payable by the tenant.",
"utility": "trash_collection",
"allowance": 23
},
{
"note": "The property information explicitly states the water source is public, with the cost borne by the tenant.",
"utility": "water",
"allowance": 44
},
{
"note": "The property is listed with 'Gas: Natural'. This is the most likely fuel for the water heater. The allowance for natural gas water heating was selected from the schedule.",
"utility": "water_heating",
"allowance": 15
}
],
"cash_on_cash_return": 0.49,
"down_payment_amount": 25000.0,
"property_tax_annual": 695.25,
"property_tax_monthly": 57.94,
"property_tax_increase": 0.03,
"utility_allowance_total": 272.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
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],
"effective_date": "2025-01-01"
},
"property_tax_history_year": 2025,
"annual_cash_flow_after_debt": 4303.12,
"property_management_monthly": 128.0,
"monthly_cash_flow_after_debt": 358.59,
"cash_on_cash_return_after_debt": 0.17
},
"section8_assessment": {
"runs": [
{
"summary": "This property appears turnkey and was comprehensively renovated with major systems replaced (foundation, roof, plumbing, mini-split HVAC). Interior finishes and appliances are present and in good visual condition. The most important inspection risks are code items that are not visible in photos: working smoke detectors in required locations, carbon-monoxide alarm (gas range present), and verified GFCI protection for kitchen/bath outlets. If those items are installed/confirmed, the home is highly likely to pass an initial HCV/NSPIRE inspection with only minor corrections. Recommended pre-listing checks: install/verify smoke & CO alarms, verify GFCI outlets or breakers, confirm water heater and electrical panel condition and labeling.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible Condition & Repair Needs",
"score": 90.0,
"rationale": "Listing and photos show a full top-to-bottom renovation: new flooring, fresh paint, new cabinets/countertops, new fixtures, and present refrigerator and gas range. Interior finishes and flooring look intact with no visible deferred maintenance. Minor finish touch-ups (trim paint, threshold sealing) may be needed but nothing requiring structural work. Missing washer/dryer is noted (hookup present) but that is a minor, easy-to-fix item."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 70.0,
"rationale": "No visible exposed wiring, windows appear adequate for egress, entry door appears to have a separate lock (likely deadbolt), and bathroom/kitchen fixtures appear new and functional. However, smoke detectors are not visible in photos (required on every level and in/near sleeping rooms), and no carbon-monoxide alarm is visible despite a gas range (CO protection may be required). GFCI protection at kitchen countertop outlets is not clearly visible. These unknowns present moderate NSPIRE risk until verified/installed. No active leaks, sagging, or mold were visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 85.0,
"rationale": "Listing states entire foundation rebuilt and reinforced, all-new roof, new underground PVC plumbing to the city, and a brand-new mini-split HVAC visible in photos. Kitchen and bathroom plumbing fixtures look new. Water heater and electrical panel were not photographed so their condition is inferred from the overall renovation; this lowers certainty slightly. Overall systems appear recently replaced and in good condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 90.0,
"rationale": "Exterior siding/paint, yard, and fencing appear well-maintained; covered patio and fenced yard are documented in listing. Walkway to front has a few cracks but is usable; small front steps have a handrail on one side. The property is raised on piers consistent with a rebuilt foundation. An oversized shed with electric and plumbing is an added asset. No visible standing water, major foundation exposure, or infestation signs in photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing statement (foundation, roof, plumbing, HVAC) is accurate and work was completed to code.",
"Mini-split HVAC units pictured are operational and properly installed.",
"Water heater and main electrical panel exist and are functional though not pictured.",
"Smoke detectors and carbon-monoxide alarms are not visible in photos and therefore should be verified/installed before inspection.",
"Kitchen countertop outlets may not be GFCI-type (not clearly visible); presence of GFCI breakers at the panel is unknown.",
"Door hardware includes a deadbolt (two lock components visible) but lock condition should be verified.",
"No hidden active leaks, severe mold, or structural movement beyond what is shown in photos given the reported foundation work; if present, that would change the score substantially."
],
"overall_score": 84.0,
"rubric_version": "1.0"
},
{
"summary": "This property appears largely turnkey with a comprehensive renovation to major systems (new foundation, roof, mini-split HVAC, plumbing, and interior finishes). It is likely to pass a voucher inspection after a small set of safety fixes (installing code‑required smoke detectors and carbon monoxide alarm, and confirming GFCI protection and electrical panel compliance). Expect minor touch-ups and verification of unshown systems (water heater/electrical panel) prior to final HCV inspection. Overall readiness: likely rent-ready within 2–4 weeks once detectors and a couple of verification items are addressed.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 88.0,
"rationale": "Photos and listing show a full cosmetic renovation: new flooring, fresh paint, new cabinets, granite counters, new appliances (refrigerator and gas range visible), finished bathroom/shower, and completed interior finishes. Minor observable issues: small concrete walkway cracking and slight paint touch-up needed at some trim edges. Missing appliance set is not an issue here (range and fridge are present). Overall condition appears turnkey with only light touch-ups required."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 65.0,
"rationale": "Most visible safety items look acceptable: secure entry door with two locks, no exposed wiring, intact ceilings/walls, bedroom windows appear to provide egress, and plumbing fixtures appear new. However, no smoke detectors are visible in photos (required in each sleeping area and on each level) and no carbon monoxide alarm is visible despite a gas range and external gas meter — both are commonly required by NSPIRE/local code and would cause an initial inspection fail if absent. GFCI protection in kitchen/bath is not clearly visible in photos; electrical panel location and labeling not shown. These missing/unclear detector and outlet protections reduce the safety score even though there are no active life-threatening hazards visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 80.0,
"rationale": "Listing states entire foundation rebuilt, new roof, underground PVC plumbing to city connection, and photos show new mini-split HVAC units in living and bedroom. Kitchen and bathroom plumbing fixtures appear new and a washer hookup is visible. Appliances are present. Electrical panel and water heater are not shown in photos, so their condition is assumed adequate based on listing claims; absence from photos reduces confidence. Overall systems appear recently upgraded and functional, but unshown components (panel, water heater) create some residual risk."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Exterior photos show new/repaired siding, fenced yard, covered front entry with railing, and a visible gas meter. Listing mentions a new roof, reinforced foundation, and an oversized shed with electric and plumbing (positive). Walkway shows some cracking and slight unevenness (minor trip hazard). The raised foundation is visible and listing claims full rebuild; no visible standing water, major foundation cracks, or exterior structural sagging in photos. Property is in Flood Zone X (lower flood risk)."
}
],
"red_flags": [
"No visible smoke detectors in photos (required; will likely cause inspection fail if not installed).",
"No visible carbon monoxide alarm in photos despite presence of gas range and external gas meter (required in many jurisdictions).",
"GFCI protection not evident in kitchen/bath photos (not visibly labeled/obvious)."
],
"confidence": 0.76,
"assumptions": [
"Listing is accurate that foundation was rebuilt and roof replaced; visible condition supports a recent renovation.",
"Mini-split HVAC units are new and operational (visible in photos) and provide heating/cooling.",
"Water heater and electrical panel exist and are functional, but were not shown in photos; assumed serviceable based on listing renovation claims.",
"Bedroom windows meet local egress size requirements (appear typical double-hung windows); full measurements not available.",
"No active roof leaks, active plumbing leaks, or hidden mold issues are present based on clean interior finishes and lack of visible staining in photos."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This property appears largely turnkey for Section 8 / HCV occupancy: a full cosmetic renovation and major system replacements (roof, foundation work per listing, new mini-split HVAC, new plumbing, new flooring, new kitchen appliances) are visible or asserted. The interior photos show clean, finished rooms, functioning mini-split units, and installed range and refrigerator. The primary inspection risks are administrative/safety items that are not visible in the photos: smoke and carbon monoxide alarms, verified GFCI protection in kitchen and bath, confirmation of the electrical panel condition, and documented bedroom egress compliance. With installation/verification of smoke/CO detectors, confirmation of GFCI outlets and operational hot water/electrical panel checks, this unit is likely to pass an initial HCV/NSPIRE inspection within a short timeframe (1–4 weeks).",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 85.0,
"rationale": "Interior and exterior photos show a complete cosmetic renovation: new-looking LVP flooring, fresh paint, new cabinets/countertops, installed kitchen appliances (range and refrigerator visible), intact doors/windows and finished trim. Minor observable issues: slight gap/unfinished area under an upper cabinet and threshold/paint wear at the entry; small concrete walkway wear at the front approach. Missing washer/dryer is noted (washer hookup visible) but is a non-safety, easy-to-fix tenant amenity. Overall appears turnkey with only minor finish touch-ups required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 74.0,
"rationale": "On-site evidence of many safety items: secure exterior entry with a deadbolt present, no exposed wiring visible, stair has a handrail, interior floors and ceilings look intact (no sagging or stains), gas meter/service visible outside (appears properly mounted). However, smoke alarms and carbon monoxide alarm(s) are not visible in any photos (required and frequently cause inspection failure). GFCI protection for kitchen and bathroom outlets is not clearly visible in photos. Bedroom egress windows are present and look typical size, but exact clear opening compliance cannot be confirmed from photos. Electrical panel, water heater and hot water functionality are not pictured. Due to absence of visible detectors and GFCI confirmation, there is moderate NSPIRE risk despite otherwise sound visible conditions."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 82.0,
"rationale": "Listing and photos support major system upgrades: listing states entire foundation rebuilt, new roof, brand-new HVAC mini-split(s) visible in photos, and new underground PVC plumbing to city. A wall-mounted mini-split indoor unit is visible in living and bedroom. New range and refrigerator are present. No visible signs of roof failure, active leaks or water damage inside. Electrical panel, water heater and HVAC condenser location are not shown; water heater operation and capacity cannot be visually confirmed. Given the described and visible system replacements, mechanical risk appears low but some hidden-system confirmation (panel, water heater, plumbing fixtures operation) is recommended."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 82.0,
"rationale": "Exterior photos show new/clean siding, new roof (as stated and visually consistent), fenced yard and covered front stoop with handrail. House is raised on piers; foundation skirt and piers look recently worked on (listing claims foundation rebuild). Front walkway shows minor cracking but no major trip hazard. Gas meter and utility connections appear properly located. Property is in Flood Zone X (lower flood risk). Shed with claimed electric/plumbing is not pictured in detail but listed. No visible standing water, major foundation settlement, or exterior structural sagging in the provided photos."
}
],
"red_flags": [
"No smoke detectors visible in the interior photos (required and common cause of inspection failure).",
"No carbon monoxide alarm visible (required when gas appliances present).",
"GFCI protection for kitchen and bathroom outlets not clearly identifiable in photos (potential NSPIRE fail point).",
"Electrical panel and water heater not shown—cannot confirm condition or labeling; inspector will require access and functional verification."
],
"confidence": 0.72,
"assumptions": [
"Listing statements are accurate: foundation was rebuilt, roof replaced, underground PVC plumbing to city connection installed, and plumbing appliances updated.",
"Mini-split HVAC units shown in photos are operational and correctly installed with an external condenser (not pictured) and proper electrical supply.",
"Water heater, electrical panel and hot water are present and functional though they are not shown in photos; no active leaks or interior water damage are visible.",
"Bedroom windows provide adequate egress per local code / NSPIRE requirements OR will be easily verified/modified; photos show standard-sized windows but exact clear openings are not measurable.",
"Smoke detectors and carbon monoxide alarms may be present but not visible in listing photos; if absent they will need to be installed prior to inspection.",
"GFCI protection for kitchen and bathroom outlets is not clearly visible in photos; assume it may need verification or installation."
],
"overall_score": 81.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "805 Avenue A, Westwego, LA, 70094",
"aggregate": {
"summary": "This property appears turnkey and was comprehensively renovated with major systems replaced (foundation, roof, plumbing, mini-split HVAC). Interior finishes and appliances are present and in good visual condition. The most important inspection risks are code items that are not visible in photos: working smoke detectors in required locations, carbon-monoxide alarm (gas range present), and verified GFCI protection for kitchen/bath outlets. If those items are installed/confirmed, the home is highly likely to pass an initial HCV/NSPIRE inspection with only minor corrections. Recommended pre-listing checks: install/verify smoke & CO alarms, verify GFCI outlets or breakers, confirm water heater and electrical panel condition and labeling.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible Condition & Repair Needs",
"score": 87.7,
"rationale": "Listing and photos show a full top-to-bottom renovation: new flooring, fresh paint, new cabinets/countertops, new fixtures, and present refrigerator and gas range. Interior finishes and flooring look intact with no visible deferred maintenance. Minor finish touch-ups (trim paint, threshold sealing) may be needed but nothing requiring structural work. Missing washer/dryer is noted (hookup present) but that is a minor, easy-to-fix item."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 83.3,
"rationale": "Exterior siding/paint, yard, and fencing appear well-maintained; covered patio and fenced yard are documented in listing. Walkway to front has a few cracks but is usable; small front steps have a handrail on one side. The property is raised on piers consistent with a rebuilt foundation. An oversized shed with electric and plumbing is an added asset. No visible standing water, major foundation exposure, or infestation signs in photos."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 69.7,
"rationale": "No visible exposed wiring, windows appear adequate for egress, entry door appears to have a separate lock (likely deadbolt), and bathroom/kitchen fixtures appear new and functional. However, smoke detectors are not visible in photos (required on every level and in/near sleeping rooms), and no carbon-monoxide alarm is visible despite a gas range (CO protection may be required). GFCI protection at kitchen countertop outlets is not clearly visible. These unknowns present moderate NSPIRE risk until verified/installed. No active leaks, sagging, or mold were visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical Condition",
"score": 82.3,
"rationale": "Listing states entire foundation rebuilt and reinforced, all-new roof, new underground PVC plumbing to the city, and a brand-new mini-split HVAC visible in photos. Kitchen and bathroom plumbing fixtures look new. Water heater and electrical panel were not photographed so their condition is inferred from the overall renovation; this lowers certainty slightly. Overall systems appear recently replaced and in good condition."
}
],
"red_flags": [],
"confidence": 0.9,
"assumptions": [
"Listing statement (foundation, roof, plumbing, HVAC) is accurate and work was completed to code.",
"Mini-split HVAC units pictured are operational and properly installed.",
"Water heater and main electrical panel exist and are functional though not pictured.",
"Smoke detectors and carbon-monoxide alarms are not visible in photos and therefore should be verified/installed before inspection.",
"Kitchen countertop outlets may not be GFCI-type (not clearly visible); presence of GFCI breakers at the panel is unknown.",
"Door hardware includes a deadbolt (two lock components visible) but lock condition should be verified.",
"No hidden active leaks, severe mold, or structural movement beyond what is shown in photos given the reported foundation work; if present, that would change the score substantially."
],
"score_method": "mean_of_criteria",
"overall_score": 81.1,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8477707035"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.