Property ID: 8562709794
1669 18th St SW, Birmingham, AL, 35211
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$5,000
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$125,000
Money Down
—
Cash-on-Cash Return
—
Rent
—
Monthly Cash Flow
—
Annual Cash Flow
—
Debt Service / Mo
—
Property Tax / Mo
$0
Insurance / Mo
$0
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
—
Payment Standard
—
Rent
—
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
—
Debt Service
—
Cash Flow After Debt
—
Quality Score: 67.60%
Confidence: 87.00%
Overall the property appears to be in fair to good condition cosmetically with functional systems likely present (central HVAC visible). Primary inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), likely missing GFCI protection in kitchen/bath, and window security bars that may block egress. The roof shows aging and should be inspected/cleaned. With focused, short-term corrective work (install detectors, confirm/upgrade GFCI, verify egress/release for window bars, repair/clean roof gutters, confirm HVAC/water heater operation and electrical panel), this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.
Section 8 Payment Standard
—
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
—
Property Management
$0
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$125,000
Beds
2
Baths
1
Living Area
988 sqft
Lot Size
11,326 sqft
Year Built
1956
Days on Market
101
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
This home is located in the West End Highlands neighborhood and features original character details and an included adjacent lot filled with opportunities. This home offers a functional layout, a spacious backyard, and two driveways. With some minor updates, this gem can truly shine. Ideal for first-time buyers or investors. Conveniently located near downtown Birmingham with easy interstate access. Schedule your showing today.
Utility Allowances
No utility allowances returned for this property.
Source References
Payment Standard Source
Effective Date:
—
No payment standard source links available.
Utility Allowance Source
Effective Date:
—
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$666
DP3 Annual Estimate$960
DP1 Monthly Equivalent$56
DP3 Monthly Equivalent$80
Replacement Value$76,400
Basis988 sqft / 1956
Nearby Houses
Photo unavailable
1665 SW 18th St
sold · 0.02 mi
Price: $12,000
3 bd / 1 ba · 988 sqft
Latest sale: $12,000 on Feb 17, 2017
Latest rent: —
Photo unavailable
1657 18th St SW
sold · 0.04 mi
Price: $15,100
3 bd / 2 ba
Latest sale: $15,100 on Apr 14, 2016
Latest rent: $1,200 on Feb 11, 2025
Photo unavailable
1813 SW Jackson Ave
sold · 0.06 mi
Price: $65,000
3 bd / 2 ba · 1,450 sqft
Latest sale: $65,000 on Sep 28, 2021
Latest rent: —
Photo unavailable
1648 18th St SW
sold · 0.07 mi
Price: $110,000
3 bd / 2 ba · 1,537 sqft
Latest sale: $110,000 on Jul 19, 2021
Latest rent: —
Photo unavailable
1641 18th St SW
sold · 0.09 mi
Price: $125,000
3 bd / 1 ba · 1,035 sqft
Latest sale: $125,000 on May 29, 2025
Latest rent: —
Photo unavailable
1645 18th Pl SW
sold · 0.12 mi
Price: $28,500
2 bd / 1 ba · 1,185 sqft
Latest sale: $28,500 on May 26, 2021
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
- No visible smoke detectors or CO alarms in photos (life-safety failure if absent).
- No visible GFCI outlets in kitchen/bath (inspection failure if absent or nonfunctional).
- Security/window bars on multiple windows may restrict emergency egress (potential inspection fail unless quick-release).
- Roof shows aging and vegetation growth in valleys/gutters — potential near-term failure or leaks.
- Built in 1956 — potential lead-based paint hazard requiring disclosure and remediation per HUD/NSPIRE if peeling paint or disturbed during repairs.
Assumptions
- Smoke detectors and CO alarms are not present or not visible in listing photos and should be treated as absent until confirmed.
- GFCI-protected outlets are not present in kitchen or bathroom based on absence in photos.
- Central HVAC is present and located outside (condensing unit visible); assumed operational but not verified.
- Water heater and electrical panel exist but were not shown; assumed functional unless inspection shows otherwise.
- Window security bars do not show quick-release hardware in photos; assume they may impede egress until verified.
- No active roof leaks are visible in interior photos; exterior roof condition shows aging and some vegetation growth indicating near-term maintenance needed.
- Appliances: stove/oven visible in kitchen; refrigerator not shown and may not be included. Missing fridge is a moderate issue, not an inspection life-safety fail.
- Property built 1956: assume potential lead-based paint hazards on painted surfaces until tested/treated per HUD rules.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,384 | $95,500 | $19,100 |
| 2023 | $1,384 | $95,500 | $19,100 |
| 2022 | $1,077 | $74,300 | $14,860 |
| 2021 | $1,077 | $74,300 | $14,860 |
| 2020 | $1,077 | $74,300 | $14,860 |
| 2019 | $1,077 | $74,300 | $14,860 |
| 2018 | $986 | $68,000 | $13,600 |
| 2017 | $986 | $68,000 | $13,600 |
| 2016 | $986 | $68,000 | $13,600 |
| 2015 | $986 | $68,000 | $13,600 |
| 2013 | $940 | $62,300 | $12,460 |
| 2012 | $940 | $66,590 | $13,318 |
| 2011 | $953 | $67,500 | $13,500 |
| 2010 | $953 | $67,500 | $13,500 |
| 2009 | $953 | $67,500 | $13,500 |
| 2008 | $971 | $68,800 | $13,760 |
| 2007 | $826 | $58,400 | $11,680 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Relisted | $125,000 |
| 2026-02-10 | Listing removed | $0 |
| 2025-11-07 | Listed | $125,000 |
| 2025-10-23 | Listing removed | $0 |
| 2025-08-22 | Price Changed | $125,000 |
| 2025-06-25 | Listed | $130,000 |
Photo Gallery
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"Year Built: 1956",
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"Living Area Source: Per Tax Report",
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"Total Area Main: 988",
"Total Area Upper: 0",
"Year Built Details: Existing"
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"tax": 826,
"year": 2007,
"market": {
"land": 9600,
"total": 58400,
"building": 48800
},
"assessment": {
"land": 1920,
"total": 11680,
"building": 9760
}
}
],
"property_history": [
{
"date": "2026-02-11",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-07T22:16:51Z",
"list_price": 125000,
"listing_id": "2988233044",
"last_update_date": "2026-02-16T01:41:25Z",
"last_status_change_date": "2026-02-11T01:42:36Z"
},
"event_name": "Relisted",
"price_sqft": 126.51821862348179,
"source_name": "GreaterAlabamaMLS",
"price_change": 125000,
"days_after_listed": null,
"source_listing_id": "21436221",
"price_change_percentage": null
},
{
"date": "2026-02-10",
"price": 0,
"listing": {
"status": "for_sale",
"list_date": "2025-11-07T22:16:51Z",
"list_price": 125000,
"listing_id": "2988233044",
"last_update_date": "2026-02-16T01:41:25Z",
"last_status_change_date": "2026-02-11T01:42:36Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "95 days",
"source_listing_id": "21436221",
"price_change_percentage": null
},
{
"date": "2025-11-07",
"price": 125000,
"listing": {
"status": "for_sale",
"list_date": "2025-11-07T22:16:51Z",
"list_price": 125000,
"listing_id": "2988233044",
"last_update_date": "2026-02-16T01:41:25Z",
"last_status_change_date": "2026-02-11T01:42:36Z"
},
"event_name": "Listed",
"price_sqft": 126.51821862348179,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21436221",
"price_change_percentage": null
},
{
"date": "2025-10-23",
"price": 0,
"listing": {
"status": "off_market",
"list_date": "2025-06-25T15:50:25Z",
"list_price": 125000,
"listing_id": "2983504228",
"last_update_date": "2025-10-08T17:13:56Z",
"last_status_change_date": "2025-10-23T07:54:28Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "120 days",
"source_listing_id": "21423107",
"price_change_percentage": null
},
{
"date": "2025-08-22",
"price": 125000,
"listing": {
"status": "off_market",
"list_date": "2025-06-25T15:50:25Z",
"list_price": 125000,
"listing_id": "2983504228",
"last_update_date": "2025-10-08T17:13:56Z",
"last_status_change_date": "2025-10-23T07:54:28Z"
},
"event_name": "Price Changed",
"price_sqft": 126.51821862348179,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "21423107",
"price_change_percentage": null
},
{
"date": "2025-06-25",
"price": 130000,
"listing": {
"status": "off_market",
"list_date": "2025-06-25T15:50:25Z",
"list_price": 125000,
"listing_id": "2983504228",
"last_update_date": "2025-10-08T17:13:56Z",
"last_status_change_date": "2025-10-23T07:54:28Z"
},
"event_name": "Listed",
"price_sqft": 131.57894736842104,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "21423107",
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8562709794",
"generated_at": "2026-02-16T02:48:15.380088Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "OpenRouter returned empty content.",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.6
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears to be in fair to good condition cosmetically with functional systems likely present (central HVAC visible). Primary inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), likely missing GFCI protection in kitchen/bath, and window security bars that may block egress. The roof shows aging and should be inspected/cleaned. With focused, short-term corrective work (install detectors, confirm/upgrade GFCI, verify egress/release for window bars, repair/clean roof gutters, confirm HVAC/water heater operation and electrical panel), this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 75.0,
"rationale": "Interior photos show recently installed-looking vinyl plank flooring, painted walls, intact ceilings and functioning bathroom fixtures; cabinets and finishes in kitchen are older but serviceable. Exterior siding paint is worn but intact. Missing refrigerator not visible in photos (stove present). Overall cosmetic updates needed (kitchen cabinet refresh, some trim, possibly bathroom tile grout) but no visible major deferred maintenance. Score reduced modestly for dated kitchen finishes and some exterior aging."
},
{
"key": "safety_code",
"label": "Safety & code compliance",
"score": 50.0,
"rationale": "Several NSPIRE safety items are unclear or likely absent from photos: no smoke detectors or CO alarms are visible; GFCI outlets are not visible in the kitchen or bathroom photos; window security bars are present on multiple windows and may impede emergency egress unless they have quick-release mechanisms. Entry door has a security door and a deadbolt likely present. No exposed wiring or obvious structural failure seen. Because missing/uncertain life-safety devices and potential egress impairment are common automatic inspection failures, score is moderate/at-risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 60.0,
"rationale": "Exterior photo shows a central AC unit on a pad indicating HVAC present. No apparent water intrusion or sagging ceilings. Roof shingles appear aged with some vegetation/plant growth at valleys/gutters suggesting limited maintenance and likely near-term replacement. Electrical panel and water heater are not visible in photos. Plumbing fixtures appear functional in the bathroom. Because key system components are present but unverified and roof shows aging, this receives a cautious mid-score."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 70.0,
"rationale": "Yard is mowed and level, two driveways present, porch and railings intact. Siding is weathered but not visibly failing; foundation vents visible and no large visible foundation cracks. Some vegetation on roof/gutters and minor overgrowth near foundation need attention. Overall site is serviceable but shows signs of deferred exterior maintenance."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos (life-safety failure if absent).",
"No visible GFCI outlets in kitchen/bath (inspection failure if absent or nonfunctional).",
"Security/window bars on multiple windows may restrict emergency egress (potential inspection fail unless quick-release).",
"Roof shows aging and vegetation growth in valleys/gutters — potential near-term failure or leaks.",
"Built in 1956 — potential lead-based paint hazard requiring disclosure and remediation per HUD/NSPIRE if peeling paint or disturbed during repairs."
],
"confidence": 0.65,
"assumptions": [
"Smoke detectors and CO alarms are not present or not visible in listing photos and should be treated as absent until confirmed.",
"GFCI-protected outlets are not present in kitchen or bathroom based on absence in photos.",
"Central HVAC is present and located outside (condensing unit visible); assumed operational but not verified.",
"Water heater and electrical panel exist but were not shown; assumed functional unless inspection shows otherwise.",
"Window security bars do not show quick-release hardware in photos; assume they may impede egress until verified.",
"No active roof leaks are visible in interior photos; exterior roof condition shows aging and some vegetation growth indicating near-term maintenance needed.",
"Appliances: stove/oven visible in kitchen; refrigerator not shown and may not be included. Missing fridge is a moderate issue, not an inspection life-safety fail.",
"Property built 1956: assume potential lead-based paint hazards on painted surfaces until tested/treated per HUD rules."
],
"overall_score": 64.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA 1956 single-family home appears largely serviceable and likely to pass an initial HCV/NSPIRE inspection after addressing a small set of predictable items: install/verify functioning smoke detectors and CO alarms, add GFCI protection in kitchen/bath if absent, remediate roof vegetation and assess shingle condition, and correct any minor kitchen/bath cosmetic items. Most issues visible are cosmetic or routine maintenance; no obvious structural collapse, standing water, or severe mold was observed in the photos. Expect minor to moderate pre-inspection preparation (fixtures, detectors, GFCI, roof assessment) to reach rent-ready condition within ~2–4 weeks if trades are on-hand.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior photos show recently installed-looking laminate flooring, painted walls, intact baseboards and functioning fixtures; bathroom and kitchen are original/vintage but appear serviceable. Kitchen cabinets are dated but usable; stove/microwave/range are visible in photos (reduces penalty for missing appliances). Exterior paint and siding are intact though aged. Observable issues are mostly cosmetic or minor capital repairs (replace/paint cabinets, refinish porch floor, minor landscaping). No visible collapsed ceilings, exposed subfloor, or structural sagging. Overall, mostly cosmetic/minor repairs required rather than major rehab."
},
{
"key": "safety_code",
"label": "Safety / NSPIRE Code Risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (likely required/inspectors will check). Kitchen and bathroom GFCI outlets are not visible and likely absent given property age. Windows appear to be original metal frames but appear adequate for egress in bedrooms based on photos. Porch has railings and entry has a security door; no obvious trip hazards or missing guardrails. No visible exposed wiring or active leaks inside photos. The house was built in 1956 so there is a potential lead-paint risk that must be assessed. These represent moderate NSPIRE risks that are usually fixable quickly (install detectors, add GFCI protection) but could cause initial inspection deficiencies if not addressed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "An exterior HVAC condensing unit is present in the backyard (photo), indicating central HVAC likely exists — positive for heating/cooling. Plumbing fixtures (sink, tub, toilet) are present and appear operational in photos; no visible interior water stains or ceiling damage. Roof shows aging shingles and small vegetation growth along the ridge/valley areas which indicates deferred roof maintenance and raises medium-term replacement risk. Electrical panel or water heater are not shown; their condition is unknown. Overall systems appear present but aging and should be verified (age/service records) before lease; no immediate catastrophic system failures are visible."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large yard, two driveways and a second adjacent lot as advertised. Foundation vents visible and foundation appears level with no visible major cracks or slope in photos. Siding and trim are aged but intact. Driveway and walkways are present and functional; fencing in backyard visible. Some yard maintenance and shrub trimming needed. No standing water, visible erosion, or infestation evidence in photos. Roof wear and minor vegetation growth noted (see systems), but the overall exterior/site is serviceable and low risk for immediate code failure."
}
],
"red_flags": [
"Roof deterioration/vegetation growth observed along roofline — elevated risk of future leaks or need for replacement.",
"No visible smoke detectors or carbon monoxide alarms in photos — NSPIRE failure risk unless installed and working.",
"No visible GFCI protection in kitchen/bath photos — potential immediate code deficiency.",
"Property built 1956 — potential lead-based paint risk (pre-1978) requiring assessment/remediation per regulations if paint is deteriorated."
],
"confidence": 0.7,
"assumptions": [
"Interior photos represent the full habitably areas (no hidden severe damage in unpictured rooms).",
"Central HVAC exists and is operable because an exterior condensing unit is visible; no separate heating-only emergency absence.",
"Water heater and electrical panel exist and are serviceable though not photographed.",
"Smoke detectors and GFCI outlets are not present or not visible; assume these will need verification and likely installation.",
"No active roof leaks are present inside (no interior stains visible), though roof shows vegetation growth and aging shingles.",
"Windows provide legal egress for bedrooms based on visible size/placement in photos.",
"No reported rental activity in last 5 years (rental_history_missing) and occupancy status is unknown."
],
"overall_score": 69.0,
"rubric_version": "2026-NSPIRE-v1"
},
{
"summary": "This 2-bed, 1-bath single-family home appears largely cosmetically updated and systems visibly present (central AC unit, working stove). It is likely to pass many NSPIRE checkpoints after a short list of targeted fixes: install/verify functioning smoke and carbon monoxide detectors, confirm egress at all sleeping rooms (remove or retrofit window security bars if they impede escape), verify GFCI protection in kitchen and bath, and address any roof vegetation/aging shingles. Expect minor to moderate work; property is likely rent-ready within ~30 days if the safety items above are completed and the electrical panel/water heater are verified serviceable.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 75.0,
"rationale": "Interior photos show recently installed vinyl plank flooring, painted walls, intact trim and functioning fixtures — overall cosmetically updated. Kitchen cabinets and bathroom tile are older but appear serviceable; a stove/oven is visible but no refrigerator is shown (missing fridge is not a catastrophic failure). Porch and exterior railings are intact. Minor cosmetic work (cabinet refresh, paint touch-up, possible replacement of worn ceiling-fan blades/lights) and routine appliance provisioning are likely. No severe interior damage visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety and code compliance risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide detectors are visible in listing photos — HUD/NSPIRE requires functioning smoke detectors in sleeping areas/hallways and CO alarms where fuel-burning appliances are present (a gas meter is visible on exterior). Several windows have exterior security bars; photos do not confirm whether they are egress-compliant/removable from inside — fixed bars that impede egress would fail inspection. No exposed wiring or major trip hazards are visible and entry door has a security door and porch railing. GFCI presence in kitchen/bath cannot be confirmed from photos. Because detectors and window egress are uncertain and CO risk exists, safety compliance risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 70.0,
"rationale": "An exterior A/C condenser unit is visible at the rear, indicating central HVAC likely present. Ceiling fans and powered appliances (stove, lights) are observable, suggesting the electrical system is functioning; however, the electrical panel was not shown and GFCI protection is not verified. Plumbing fixtures (sink, tub, toilet) appear present and intact with no visible leaks. The roof shows age and some plant growth in roof valleys/edges; no active sagging or collapse is visible but shingles appear aged and may require replacement in the medium term. Water heater location/condition not shown. Overall systems appear functional but several key items not verified."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 75.0,
"rationale": "Yard is mowed and walkways/driveways are present (two driveways as listed). Siding and foundation appear intact with foundation venting visible. No standing water or major drainage issues visible in photos. Exterior paint shows age and some staining; property was built in 1956 so exterior/interior paint could present lead-paint risk if deteriorated. Porch structure and railings appear stable. Overall the exterior and lot look serviceable with only moderate deferred maintenance."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos — required for NSPIRE compliance (CO needed because a gas meter is present).",
"Window security bars visible on multiple windows — may block emergency egress if not quick-release/removable (possible inspection fail).",
"Property built in 1956 (pre-1978) — potential lead-based paint hazard where paint is deteriorated (exterior paint shows age).",
"Vegetation growing at roof intersections and visibly aged shingles — roof may be nearing end of life and should be evaluated for leaks or replacement."
],
"confidence": 0.65,
"assumptions": [
"Photos are representative of the entire unit and no areas of severe hidden damage exist (no basement/crawlspace photos provided).",
"A central HVAC system is present and functional because an exterior condenser unit is visible; its heating function is assumed but not tested.",
"No smoke or CO alarms are installed (none visible in photos) and will need installation if absent.",
"Window security bars shown are fixed on the exterior and may restrict egress; it is unknown whether they have quick-release mechanisms.",
"Water heater and electrical panel locations and conditions were not shown; assumed serviceable but subject to verification.",
"No visible active roof leaks (no interior ceiling stains observed), but roof shingles show aging and minor vegetation growth; assumed no immediate collapse risk.",
"No visible major mold, peeling interior paint, or active plumbing leaks in provided photos; hidden issues cannot be ruled out."
],
"overall_score": 70.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "1669 18th St SW, Birmingham, AL, 35211",
"aggregate": {
"summary": "Overall the property appears to be in fair to good condition cosmetically with functional systems likely present (central HVAC visible). Primary inspection risks are missing/uncertain life-safety devices (smoke/CO detectors), likely missing GFCI protection in kitchen/bath, and window security bars that may block egress. The roof shows aging and should be inspected/cleaned. With focused, short-term corrective work (install detectors, confirm/upgrade GFCI, verify egress/release for window bars, repair/clean roof gutters, confirm HVAC/water heater operation and electrical panel), this property is likely to pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 75.0,
"rationale": "Interior photos show recently installed-looking vinyl plank flooring, painted walls, intact ceilings and functioning bathroom fixtures; cabinets and finishes in kitchen are older but serviceable. Exterior siding paint is worn but intact. Missing refrigerator not visible in photos (stove present). Overall cosmetic updates needed (kitchen cabinet refresh, some trim, possibly bathroom tile grout) but no visible major deferred maintenance. Score reduced modestly for dated kitchen finishes and some exterior aging."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 73.3,
"rationale": "Yard is mowed and level, two driveways present, porch and railings intact. Siding is weathered but not visibly failing; foundation vents visible and no large visible foundation cracks. Some vegetation on roof/gutters and minor overgrowth near foundation need attention. Overall site is serviceable but shows signs of deferred exterior maintenance."
},
{
"key": "safety_code",
"label": "Safety & code compliance",
"score": 56.7,
"rationale": "Several NSPIRE safety items are unclear or likely absent from photos: no smoke detectors or CO alarms are visible; GFCI outlets are not visible in the kitchen or bathroom photos; window security bars are present on multiple windows and may impede emergency egress unless they have quick-release mechanisms. Entry door has a security door and a deadbolt likely present. No exposed wiring or obvious structural failure seen. Because missing/uncertain life-safety devices and potential egress impairment are common automatic inspection failures, score is moderate/at-risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical",
"score": 65.0,
"rationale": "Exterior photo shows a central AC unit on a pad indicating HVAC present. No apparent water intrusion or sagging ceilings. Roof shingles appear aged with some vegetation/plant growth at valleys/gutters suggesting limited maintenance and likely near-term replacement. Electrical panel and water heater are not visible in photos. Plumbing fixtures appear functional in the bathroom. Because key system components are present but unverified and roof shows aging, this receives a cautious mid-score."
}
],
"red_flags": [
"No visible smoke detectors or CO alarms in photos (life-safety failure if absent).",
"No visible GFCI outlets in kitchen/bath (inspection failure if absent or nonfunctional).",
"Security/window bars on multiple windows may restrict emergency egress (potential inspection fail unless quick-release).",
"Roof shows aging and vegetation growth in valleys/gutters — potential near-term failure or leaks.",
"Built in 1956 — potential lead-based paint hazard requiring disclosure and remediation per HUD/NSPIRE if peeling paint or disturbed during repairs."
],
"confidence": 0.87,
"assumptions": [
"Smoke detectors and CO alarms are not present or not visible in listing photos and should be treated as absent until confirmed.",
"GFCI-protected outlets are not present in kitchen or bathroom based on absence in photos.",
"Central HVAC is present and located outside (condensing unit visible); assumed operational but not verified.",
"Water heater and electrical panel exist but were not shown; assumed functional unless inspection shows otherwise.",
"Window security bars do not show quick-release hardware in photos; assume they may impede egress until verified.",
"No active roof leaks are visible in interior photos; exterior roof condition shows aging and some vegetation growth indicating near-term maintenance needed.",
"Appliances: stove/oven visible in kitchen; refrigerator not shown and may not be included. Missing fridge is a moderate issue, not an inspection life-safety fail.",
"Property built 1956: assume potential lead-based paint hazards on painted surfaces until tested/treated per HUD rules."
],
"score_method": "mean_of_criteria",
"overall_score": 67.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8562709794"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.