Property ID: 8651470971
8300 12th Ave S, Birmingham, AL, 35206
Birmingham, AL
Money Down: —
CoC Return: —
Monthly Cash Flow: —
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
—
Closing Costs
$5,196
Total Down
—
utility_fetch_failed
Investment Snapshot
Purchase Price
$129,900
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: 68.40%
Confidence: 92.00%
Overall the property appears in good cosmetic condition and likely to pass a Section 8 (NSPIRE) initial inspection with only minor repairs and verification work. Key unknowns that could affect pass/fail are presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, and proof that HVAC, water heater and electrical systems are functioning and safe. Exterior maintenance (yard cleanup, driveway/sidewalk patching) and basic safety device installation/verification should make the unit rent-ready within 2–4 weeks.
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
$129,900
Beds
3
Baths
2
Living Area
1,956 sqft
Lot Size
14,375 sqft
Year Built
1972
Days on Market
18
Capital Outlay
—
Debt Service
—
Property Tax / Mo
$0
Insurance / Mo
$0
Property Description
Nestled on a wooded lot, this charming split-level home offers a blend of comfort and functionality with generous indoor and outdoor living spaces. The main level features a spacious living room with plush carpeting and ample natural light, a dedicated dining area, and a warm, wood-accented kitchen equipped with stainless steel appliances and ample cabinet storage. The home includes three well-sized bedrooms and two full bathrooms, with one bath showcasing a tiled tub/shower combo and updated fixtures. A cozy lower-level den with built-in shelving and a fireplace offers additional gathering space, along with interior access to the expansive two-car garage. Outside, enjoy multiple deck areas, a gently sloped yard surrounded by mature trees, and a private rear entry.
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$867
DP3 Annual Estimate$1,187
DP1 Monthly Equivalent$72
DP3 Monthly Equivalent$99
Replacement Value$121,000
Basis1,956 sqft / 1972
Nearby Houses
Photo unavailable
8208 12th Ave S
sold · 0.04 mi
Price: $58,000
3 bd / 2 ba · 1,599 sqft
Latest sale: $58,000 on Mar 21, 2017
Latest rent: $1,445 on Oct 30, 2025
Photo unavailable
8311 12th Ave S
for_sale · 0.06 mi
Price: $104,900
3 bd / 2 ba · 1,304 sqft
Latest sale: $58,500 on Aug 22, 2016
Latest rent: $925 on Oct 05, 2022
Photo unavailable
8319 12th Ave S
sold · 0.08 mi
Price: $120,000
3 bd / 2 ba · 2,204 sqft
Latest sale: $120,000 on Nov 14, 2025
Latest rent: —
Photo unavailable
8328 12th Ave S
sold · 0.09 mi
Price: $44,000
3 bd / 1 ba · 1,008 sqft
Latest sale: $44,000 on Aug 20, 2025
Latest rent: —
Photo unavailable
8237 10th Ave S
sold · 0.12 mi
Price: $173,000
3 bd / 1 ba · 1,294 sqft
Latest sale: $173,000 on Aug 27, 2021
Latest rent: —
Photo unavailable
8337 12th Ave S
sold · 0.13 mi
Price: $195,000
4 bd / 3 ba · 1,520 sqft
Latest sale: $195,000 on Feb 28, 2025
Latest rent: —
Photo unavailable
8327 10th Ave S
sold · 0.14 mi
Price: $134,950
3 bd / 2 ba · 1,000 sqft
Latest sale: $134,950 on Mar 22, 2024
Latest rent: —
Photo unavailable
8328 10th Ave S Lot 8328
for_sale · 0.17 mi
Price: $14,000
— bd / — ba
Latest sale: —
Latest rent: —
Risk and Criteria Detail
Red Flags
- utility_fetch_failed
Assumptions
- Kitchen includes the stainless steel appliances claimed in the listing (not shown in provided photos).
- Central HVAC exists and is functional (supply/return vents visible in rooms).
- Water heater and hot water are present and operational though not photographed.
- Electrical panel is present and intact but not photographed; no visible exposed wiring inside home.
- No visible active roof leaks or structural sagging despite roof discoloration; roof is aged but serviceable.
- Bedrooms have code-compliant egress windows based on visible window sizes in photos.
- No severe mold, pest infestation, or concealed water intrusion beyond normal wear (not visible in images).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,311 | $134,400 | $26,880 |
| 2023 | $1,224 | $122,200 | $24,440 |
| 2022 | $1,212 | $122,500 | $24,500 |
| 2021 | $975 | $97,400 | $19,480 |
| 2020 | $920 | $91,900 | $18,380 |
| 2019 | $920 | $91,900 | $18,380 |
| 2018 | $170 | $88,900 | $8,900 |
| 2017 | $170 | $88,900 | $8,900 |
| 2012 | $180 | $91,400 | $9,140 |
| 2010 | $186 | $92,800 | $9,280 |
| 2009 | $186 | $92,800 | $9,280 |
| 2008 | $195 | $94,900 | $9,490 |
| 2007 | $179 | $91,200 | $9,120 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2018-09-14 | Sold | $46,900 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2019-01-07 | Listed for rent | $925 | — |
Photo Gallery
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{
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{
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"land": null,
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{
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{
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{
"tax": 920,
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{
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{
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{
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{
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{
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{
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{
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{
"date": "2026-01-29",
"price": 129900,
"listing": {
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"list_date": "2026-01-29T20:36:47Z",
"list_price": 129900,
"listing_id": "2990752075",
"last_update_date": "2026-02-15T02:10:36Z",
"last_status_change_date": "2026-02-12T00:54:31Z"
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"source_listing_id": "21442187",
"price_change_percentage": "-99.97%"
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{
"date": "2024-03-12",
"price": 417784000,
"listing": null,
"event_name": "Sold",
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"price_change": 0,
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{
"date": "2018-12-31",
"price": 30014500,
"listing": null,
"event_name": "Sold",
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"price_change": 0,
"days_after_listed": null,
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"price_change_percentage": null
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{
"date": "2018-09-14",
"price": 47000,
"listing": null,
"event_name": "Sold",
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"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": "-5.81%"
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{
"date": "2017-12-14",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2017-10-13T07:00:00Z",
"list_price": 49900,
"listing_id": "626315375",
"last_update_date": "2017-10-20T22:56:00Z",
"last_status_change_date": "2017-10-13T07:00:00Z"
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"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "62 days",
"source_listing_id": "798161",
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{
"date": "2017-10-13",
"price": 49900,
"listing": {
"status": "off_market",
"list_date": "2017-10-13T07:00:00Z",
"list_price": 49900,
"listing_id": "626315375",
"last_update_date": "2017-10-20T22:56:00Z",
"last_status_change_date": "2017-10-13T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "798161",
"price_change_percentage": null
}
],
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{
"project_name": null,
"permit_status": "Complete",
"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Apr 26, 2012",
"permit_project_type_1": "Electrical work",
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{
"project_name": null,
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"permit_type_of_work": "Electrical permit",
"permit_effective_date": "Jan 26, 1998",
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]
}
},
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},
"property_id": "8651470971",
"generated_at": "2026-02-16T02:21:58.773395Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"error": "Error code: 403 - {'error': {'message': 'Key limit exceeded (monthly limit). Manage it using https://openrouter.ai/settings/keys', 'code': 403}}",
"reason": "utility_fetch_failed",
"eligible": true,
"min_score": 60.0,
"overall_score": 68.4
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears in good cosmetic condition and likely to pass a Section 8 (NSPIRE) initial inspection with only minor repairs and verification work. Key unknowns that could affect pass/fail are presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, and proof that HVAC, water heater and electrical systems are functioning and safe. Exterior maintenance (yard cleanup, driveway/sidewalk patching) and basic safety device installation/verification should make the unit rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and carpet looks new; walls, trim and fixtures in photos are intact. Minor exterior deferred maintenance visible (aged garage door, stained driveway, leaf-covered yard, small concrete walkway crack). Listing indicates stainless appliances in kitchen which mitigates appliance deductions. Overall mostly cosmetic work and light maintenance expected."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 70.0,
"rationale": "No obvious life-threatening hazards in photos: no collapsed ceilings, visible major foundation cracks or exposed wiring. However smoke detectors and CO alarms are not visible in photos and GFCI protection in kitchen/baths cannot be confirmed; front and lower-level doors look lockable but deadbolt not shown. Bedroom windows appear to provide egress. These unknowns reduce score moderately but no hard fail items are visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Supply/return vents visible indicating central HVAC; no equipment (furnace/AHU, water heater, electrical panel) photographed so operational status is assumed but unverified. Roof appears aged with staining but no visible sagging or active leaks in photos. Plumbing and hot water presence claimed by listing (2 baths) but not documented. Assigning moderate risk due to lack of system documentation and roof age."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Split-level exterior and foundation brick appear intact with no visible major cracks. Yard is steep and covered in leaves (maintenance required); chain-link fence present. Driveway and walkway show wear and minor cracking which are trip/appearance concerns but not severe structural failures. Multiple deck areas noted in listing but not shown; deck condition unknown."
},
{
"key": "rental_history_activity",
"label": "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": 0.75,
"assumptions": [
"Kitchen includes the stainless steel appliances claimed in the listing (not shown in provided photos).",
"Central HVAC exists and is functional (supply/return vents visible in rooms).",
"Water heater and hot water are present and operational though not photographed.",
"Electrical panel is present and intact but not photographed; no visible exposed wiring inside home.",
"No visible active roof leaks or structural sagging despite roof discoloration; roof is aged but serviceable.",
"Bedrooms have code-compliant egress windows based on visible window sizes in photos.",
"No severe mold, pest infestation, or concealed water intrusion beyond normal wear (not visible in images)."
],
"overall_score": 70.0,
"rubric_version": "1.0"
},
{
"summary": "Overall the property appears in generally good cosmetic and livable condition inside with updated paint and carpeting and functioning fixtures. Visible issues are mostly exterior and safety-related (aged garage door, cracked driveway, lack of visible smoke/CO detectors and missing handrail at front steps). Major structural or life-safety failures (collapsed ceilings, foundation failure, active leaks, exposed wiring) are not evident in the photos. With basic safety installs (smoke/CO detectors, deadbolt, handrail), verification/repair of garage door and driveway drainage, and a systems check (HVAC, water heater, electrical panel and roof inspection), the property is likely to pass a Section 8/HCV initial NSPIRE inspection after 1–4 weeks of work depending on contractor scheduling.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repair Needs",
"score": 75.0,
"rationale": "Interior photos show fresh paint, new/clean carpeting, functioning ceiling fixtures and generally well-maintained living spaces; kitchen is described as having stainless appliances (kitchen photos not provided). Visible deferred items are exterior: stained/aged garage door, cracked driveway, cosmetic wear to exterior paint/trim and leaf/debris accumulation in yard. No collapsed surfaces, exposed subflooring or active interior water damage visible. Missing or unpictured items (kitchen appliances, closet doors) are treated as moderate repairs only."
},
{
"key": "safety_code",
"label": "Safety & Code Risks",
"score": 68.0,
"rationale": "Bedrooms show egress windows and the interior appears free of obvious trip hazards. No exposed wiring or damaged outlets are visible. However, no smoke detectors or carbon monoxide alarms are visible in the photos (none mounted on ceilings or high on walls), and the front entrance photo does not clearly show a deadbolt on the door — both are common NSPIRE checklist items. Front walkway/steps lack a visible handrail which is a potential code/safety issue. Kitchen and bathroom GFCI outlets and water heater presence/status are not shown. Overall risk is moderate but fixable with basic safety installs."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 65.0,
"rationale": "Floor vents visible in bedrooms/living areas indicate central HVAC ducting is present; no evidence of missing heating. Electrical panel, water heater and furnace are not pictured. Roof shingles appear aged and darkened (possible moss/staining) but no visible sagging or active leaks from interior photos. Garage door and driveway drainage show wear that could reflect drainage issues toward the foundation/garage entry area. Systems show no catastrophic failure in available photos but important system components are unverified and should be tested prior to tenancy."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Lot is wooded with mature trees and a fenced rear yard visible — good for privacy but increases leaf/debris accumulation. Driveway has cracking and staining; garage door is worn and may not operate reliably. Front concrete walk/step has no handrail. Siding and brick facade appear intact with no visible large foundation cracks from available angles. Sloped yard may create drainage/runoff considerations; no standing water is visible in photos."
},
{
"key": "rental_history_activity",
"label": "Rental History (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photographed rooms (NSPIRE safety requirement).",
"Front entry has steps without a handrail — potential safety/code failure.",
"Aged/stained roof appearance that could indicate remaining lifespan concerns or need for close inspection.",
"Worn/dented garage door and cracked driveway at garage approach (possible operational/entry and drainage issues).",
"No visible deadbolt on front door from photos (secure entry should be verified)."
],
"confidence": 0.65,
"assumptions": [
"Kitchen appliances exist and are functional as stated in listing; no kitchen photos were provided so their condition is assumed acceptable.",
"Central HVAC exists and is operable based on visible floor vents; no equipment photos or service records were provided.",
"No active interior leaks, mold or structural movement exist because interior ceilings and walls appear intact in photos; however attic/roof and under-slab conditions are not visible.",
"Smoke and carbon monoxide detectors are not present or not visible in the photos; if present but not shown, they should be checked for correct placement and operation.",
"Electrical panel, water heater and furnace were not photographed — their condition is unknown and assumed serviceable but should be inspected and tested prior to lease-up.",
"Exterior roof is aged (shingle staining visible) but not actively failing; a close-up roof inspection could reveal different condition."
],
"overall_score": 69.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property presents as moderately well-maintained cosmetically and would likely pass a Housing Choice Voucher/NSPIRE initial inspection after a short punch list: install/verify smoke and carbon monoxide alarms (each level and outside sleeping areas), correct the uneven front walkway/step and add a handrail if required, verify/repair garage door operation, test HVAC/water heater/electrical panel and add GFCI protection where required in kitchen/baths. The roof appears aged and should be inspected; no visible structural sagging or severe water intrusion was observed. With those safety fixes and a quick mechanical check, the home should be rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears freshly painted with new carpet and intact drywall; light fixtures present. Kitchen described as having stainless appliances (photos not shown) so major appliance replacement unlikely. Exterior shows worn/dirty garage door, stained driveway, and an uneven front walkway/step area. These are mostly cosmetic or small-repair items and do not indicate structural failure."
},
{
"key": "safety_code",
"label": "Section-8 / NSPIRE safety & code risk",
"score": 60.0,
"rationale": "No smoke detectors or carbon monoxide alarms are visible in the photos (required by NSPIRE — missing is a failure condition). There is an uneven walkway/step at the front entrance creating a trip hazard and no visible handrail at that entrance. Outlets and light fixtures have covers; no exposed wiring visible. Bedroom windows appear standard but egress sizing for all sleeping rooms not proven from photos. Attached garage increases requirement for CO alarm. These items create moderate inspection risk but not immediate structural failure."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Floor registers are visible indicating central HVAC is likely present, but no photos of HVAC equipment, water heater, or electrical panel were provided. Roof shingles look aged (dark staining) but no visible sagging or active leaks in photos; age of roof suggests near-term replacement could be required. Plumbing fixtures and hot water presence are described but not pictured. Systems appear plausible but unverified — moderate risk until mechanicals are inspected and tested."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 65.0,
"rationale": "House sits on a wooded, gently sloped lot with mature trees close to the structure; chain‑link fence present. Brick and siding appear intact. Driveway and garage door are worn; walkway has an uneven panel at the curb/drive transition. No visible major foundation cracks, standing water, or collapsed elements in photos. Tree proximity and driveway/walkway condition are the primary site concerns."
},
{
"key": "rental_history_activity",
"label": "Recent rental evidence (last 5 years)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms (NSPIRE requirement) — must be installed.",
"Uneven/broken front walkway and step creating a trip hazard; no visible handrail at front entrance.",
"Garage door appears old/dirty and may not operate reliably (attached garage increases CO risk).",
"Roof shows age and staining — potential near-term replacement risk.",
"Large trees very close to the structure (risk of falling limbs/roof damage)."
],
"confidence": 0.65,
"assumptions": [
"Kitchen appliances are present and functional per listing description (stainless appliances) though not clearly shown in photos.",
"Central HVAC exists and is operational (inferred from visible floor registers) but equipment and age are unknown.",
"No smoke or carbon monoxide detectors are installed (none visible in photos) and therefore must be considered missing until proven present.",
"No active roof leaks or interior water stains are visible in photos; roof is aged but not evidently failed.",
"Electrical panel, GFCI protection in kitchen/baths, water heater, and plumbing operation were not photographed and are assumed unverified.",
"Bedroom egress windows appear typical but exact measurements for code compliance were not provided and assumed acceptable unless measured otherwise.",
"No visible mold, peeling lead-risk paint, or structural foundation movement in provided photos; lead disclosure requirements for a 1972-built property still apply."
],
"overall_score": 66.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "8300 12th Ave S, Birmingham, AL, 35206",
"aggregate": {
"summary": "Overall the property appears in good cosmetic condition and likely to pass a Section 8 (NSPIRE) initial inspection with only minor repairs and verification work. Key unknowns that could affect pass/fail are presence and placement of smoke/CO detectors, GFCI protection in kitchen/baths, and proof that HVAC, water heater and electrical systems are functioning and safe. Exterior maintenance (yard cleanup, driveway/sidewalk patching) and basic safety device installation/verification should make the unit rent-ready within 2–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears recently painted and carpet looks new; walls, trim and fixtures in photos are intact. Minor exterior deferred maintenance visible (aged garage door, stained driveway, leaf-covered yard, small concrete walkway crack). Listing indicates stainless appliances in kitchen which mitigates appliance deductions. Overall mostly cosmetic work and light maintenance expected."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 66.7,
"rationale": "Split-level exterior and foundation brick appear intact with no visible major cracks. Yard is steep and covered in leaves (maintenance required); chain-link fence present. Driveway and walkway show wear and minor cracking which are trip/appearance concerns but not severe structural failures. Multiple deck areas noted in listing but not shown; deck condition unknown."
},
{
"key": "rental_history_activity",
"label": "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 Risk",
"score": 66.0,
"rationale": "No obvious life-threatening hazards in photos: no collapsed ceilings, visible major foundation cracks or exposed wiring. However smoke detectors and CO alarms are not visible in photos and GFCI protection in kitchen/baths cannot be confirmed; front and lower-level doors look lockable but deadbolt not shown. Bedroom windows appear to provide egress. These unknowns reduce score moderately but no hard fail items are visible."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 63.3,
"rationale": "Supply/return vents visible indicating central HVAC; no equipment (furnace/AHU, water heater, electrical panel) photographed so operational status is assumed but unverified. Roof appears aged with staining but no visible sagging or active leaks in photos. Plumbing and hot water presence claimed by listing (2 baths) but not documented. Assigning moderate risk due to lack of system documentation and roof age."
}
],
"red_flags": [],
"confidence": 0.92,
"assumptions": [
"Kitchen includes the stainless steel appliances claimed in the listing (not shown in provided photos).",
"Central HVAC exists and is functional (supply/return vents visible in rooms).",
"Water heater and hot water are present and operational though not photographed.",
"Electrical panel is present and intact but not photographed; no visible exposed wiring inside home.",
"No visible active roof leaks or structural sagging despite roof discoloration; roof is aged but serviceable.",
"Bedrooms have code-compliant egress windows based on visible window sizes in photos.",
"No severe mold, pest infestation, or concealed water intrusion beyond normal wear (not visible in images)."
],
"score_method": "mean_of_criteria",
"overall_score": 68.4,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8651470971"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.