Property ID: 8714878009
107 Wheeler Dr, Hueytown, AL, 35023
Hueytown, AL
Money Down: $27,600
CoC Return: 9.76%
Monthly Cash Flow: $224
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$23,000
Closing Costs
$4,600
Total Down
$27,600
Investment Snapshot
Purchase Price
$115,000
Money Down
$27,600
Cash-on-Cash Return
9.76%
Rent
$1,137
Monthly Cash Flow
$224
Annual Cash Flow
$2,693
Debt Service / Mo
$612
Property Tax / Mo
$118
Insurance / Mo
$69
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,137
Payment Standard
$1,408
Rent
$1,137
Insurance
$69
Property Tax
$118
Management
$114
Utilities Allowance
$271
NOI (Monthly)
$836
Debt Service
$612
Cash Flow After Debt
$224
Quality Score: 77.80%
Confidence: 95.00%
Overall the property appears move-in ready with recent cosmetic updates and a sound exterior envelope. The most likely items a Section 8/NSPIRE inspector would flag are: missing or unconfirmed kitchen range (appliance installation), verification/placement of smoke and carbon monoxide detectors, and presence of GFCI protection at kitchen/bath outlets. Major structural or life-safety hazards are not evident in the photos, but mechanical system operation (HVAC, water heater, electrical panel) should be verified prior to listing for voucher tenants.
Section 8 Payment Standard
$1,408
Utility Allowance Total
$271
Guaranteed Section 8 Rent (PS - Utilities)
$1,137
Property Management
$114
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$115,000
Beds
2
Baths
1
Living Area
910 sqft
Lot Size
10,890 sqft
Year Built
1953
Days on Market
130
Capital Outlay
$27,600
Debt Service
$612
Property Tax / Mo
$118
Insurance / Mo
$69
Property Description
Welcome to this cozy 2-bedroom, 1-bath home that's move-in ready and full of potential. Recently updated with modern finishes, this property offers a comfortable layout, fresh paint, and stylish touches throughout. Whether you're a first-time homebuyer looking for an affordable option or an investor seeking a great rental opportunity, this home checks the boxes. Enjoy a low-maintenance yard, convenient parking, and easy access to nearby shopping and main roads. Affordable, updated, and ready for its next owner.
Utility Allowances
heating
$40
Property has 'Gas Heat'. As the specific provider is unknown, the most expensive natural gas option ('Mulga') was selected from the schedule per instructions.
cooking
$16
A gas line is available for heating, and a range is visible in photos. Assumed gas cooking and selected the most expensive natural gas option ('Mulga') as the provider is unknown.
cooling
$18
Property has electric cooling. 'Alabama Power' is the primary electric utility for the Hueytown area.
water_heating
$46
Property has an electric water heater. Selected 'Ala Power' as it is the primary electric provider for the area.
other_electric
$56
This allowance for general electricity use is based on the area's primary provider, 'Alabama Power'. Per the schedule line item name, this also includes the allowance for a tenant-supplied refrigerator.
water
$69
Property has public water. 'Water: Birmingham' was selected as the Birmingham Water Works Board serves the Hueytown area.
sewer
$0
Property uses a septic system, not public sewer. Therefore, the allowance is $0.
trash_collection
$20
The property is located in Jefferson County. The 'Jefferson City' rate was selected as a reasonable default for the area.
range_microwave
$6
A microwave is not listed as a provided appliance and is assumed to be tenant-owned.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$683
DP3 Annual Estimate$976
DP1 Monthly Equivalent$57
DP3 Monthly Equivalent$81
Replacement Value$87,500
Basis910 sqft / 1953
Nearby Houses
Photo unavailable
108 Wheeler Dr
sold · 0.03 mi
Price: $89,900
2 bd / 1 ba · 980 sqft
Latest sale: $89,900
Latest rent: —
Photo unavailable
3182 Allison Bonnett Memorial Dr
sold · 0.04 mi
Price: $129,900
3 bd / 1 ba · 1,024 sqft
Latest sale: $129,900 on Sep 29, 2023
Latest rent: —
Photo unavailable
115 Wheeler Dr
sold · 0.04 mi
Price: $170,000
3 bd / 2 ba · 1,156 sqft
Latest sale: $170,000
Latest rent: —
Photo unavailable
119 Wheeler Dr
sold · 0.05 mi
Price: $80,500
3 bd / 2 ba · 1,215 sqft
Latest sale: $80,500
Latest rent: —
Photo unavailable
3175 Allison Bonnett Memorial Dr
sold · 0.07 mi
Price: $125,000
3 bd / 2 ba · 1,219 sqft
Latest sale: $125,000 on May 06, 2024
Latest rent: $1,500 on Aug 04, 2025
Photo unavailable
121 W Crest Rd
for_sale · 0.10 mi
Price: $219,000
4 bd / 3 ba · 1,722 sqft
Latest sale: $60,000
Latest rent: —
Photo unavailable
4774 Monica Dr
sold · 0.10 mi
Price: $210,000
3 bd / 2 ba · 1,479 sqft
Latest sale: $210,000 on Jul 21, 2021
Latest rent: —
Photo unavailable
123 W Crest Rd
sold · 0.10 mi
Price: $126,500
3 bd / 2 ba · 1,464 sqft
Latest sale: $126,500
Latest rent: —
Photo unavailable
109 Crest Rd W
sold · 0.11 mi
Price: $155,000
3 bd / 2 ba · 2,065 sqft
Latest sale: $155,000 on Aug 31, 2023
Latest rent: —
Photo unavailable
3169 Allison Bonnett Memorial Dr
sold · 0.11 mi
Price: $100,000
— bd / — ba
Latest sale: $100,000 on Nov 09, 2023
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Photos represent the full extent of visible interior and exterior conditions; areas not photographed (bathroom, bedrooms besides living room, attic, mechanical closet) may contain unshown defects.
- Central HVAC exists and is connected (ceiling vents visible), but its operational condition has not been verified.
- Water heater and main electrical panel are present and functioning, though not pictured.
- Smoke detector seen in photo is functional; additional detectors (and CO alarm, if required) may or may not be installed.
- Range/stove is not present in photos; there is a space and hood indicating prior stove location — assume stove is not currently installed.
- No evidence of lead-based paint hazards is visible; because house was built in 1953, lead risk is possible but not assessable from photos alone.
- No major roof leaks, foundation movement, or interior water intrusion were visible in provided images.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,371 | $116,500 | $23,300 |
| 2023 | $1,305 | $108,600 | $21,720 |
| 2022 | $1,194 | $99,400 | $19,880 |
| 2021 | $927 | $77,200 | $15,440 |
| 2020 | $1,032 | $85,900 | $17,180 |
| 2019 | $695 | $57,900 | $11,580 |
| 2018 | $634 | $52,800 | $10,560 |
| 2017 | $634 | $52,800 | $10,560 |
| 2016 | $634 | $52,800 | $10,560 |
| 2015 | $634 | $52,800 | $10,560 |
| 2013 | $616 | $50,000 | $10,000 |
| 2012 | $632 | $51,400 | $10,280 |
| 2011 | $641 | $52,100 | $10,420 |
| 2010 | $641 | $52,100 | $10,420 |
| 2009 | $641 | $52,100 | $10,420 |
| 2008 | $570 | $46,200 | $9,240 |
| 2007 | $559 | $45,300 | $9,060 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-30 | Price Changed | $115,000 |
| 2025-12-08 | Price Changed | $120,000 |
| 2025-10-09 | Listed | $124,000 |
| 2022-12-08 | Listing removed | $885 |
| 2022-11-04 | Price Changed for rent | $885 |
| 2022-10-20 | Listed for rent | $910 |
| 2022-02-20 | Listing removed | $835 |
| 2019-06-07 | Sold | $81,250 |
| 2019-03-25 | Sold | $52,500 |
| 2019-03-06 | Price Changed | $52,500 |
| 2019-02-28 | Relisted | $53,000 |
| 2019-02-13 | Listing removed | $0 |
| 2018-12-04 | Relisted | $53,000 |
| 2018-11-20 | Listing removed | $53,000 |
| 2018-11-16 | Listed | $53,000 |
| 2018-09-14 | Sold | $29,000 |
| 2018-08-19 | Listed | $29,900 |
| 2015-12-21 | Sold | $21,000 |
| 2015-10-09 | Listed | $29,000 |
| 2012-12-11 | Sold | $44,400 |
| 2012-10-11 | Price Changed | $41,450 |
| 2012-09-30 | Price Changed | $41,750 |
| 2012-09-15 | Price Changed | $41,999 |
| 2012-09-12 | Price Changed | $44,999 |
| 2012-08-27 | Price Changed | $49,999 |
Photo Gallery
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"last_update_date": "2002-01-01T13:00:00Z",
"last_status_change_date": "2001-12-31T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "193 days",
"source_listing_id": "95327",
"price_change_percentage": null
},
{
"date": "2001-06-21",
"price": 66500,
"listing": {
"status": "off_market",
"list_date": "2001-06-21T07:00:00Z",
"list_price": 66500,
"listing_id": "542395003",
"last_update_date": "2002-01-01T13:00:00Z",
"last_status_change_date": "2001-12-31T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "95327",
"price_change_percentage": null
},
{
"date": "2000-01-02",
"price": 79900,
"listing": {
"status": "off_market",
"list_date": "2000-01-02T07:00:00Z",
"list_price": 79900,
"listing_id": "541899683",
"last_update_date": "2007-08-22T12:00:00Z",
"last_status_change_date": "2007-08-21T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "223110",
"price_change_percentage": "+142.12%"
},
{
"date": "1995-11-01",
"price": 33000,
"listing": null,
"event_name": "Sold",
"price_sqft": 36.26373626373626,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8714878009",
"generated_at": "2026-02-16T01:50:08.532132Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 77.8
},
"utility_allowance": {
"zip_code": "35023",
"home_photo": "https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m584848215s-w1280.jpg",
"rent_price": 1137.0,
"loan_amount": 92000.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/107-Wheeler-Dr_Hueytown_AL_35023_M87148-78009",
"bedroom_count": 2,
"interest_rate": 0.07,
"purchase_price": 115000.0,
"loan_term_years": 30,
"annual_cash_flow": 10037.97,
"mortgage_monthly": 612.08,
"payment_standard": 1408.0,
"total_amount_out": 23000.0,
"additional_photos": [
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m918731688s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m3864593663s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m4229197285s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m176357032s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m2146138772s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m1454822898s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m2986111294s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m2910374827s-w1280.jpg",
"https://ap.rdcpix.com/7726a4ccef60b59421bcc469454a26bal-m2945152490s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 69.12,
"monthly_cash_flow": 836.5,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has 'Gas Heat'. As the specific provider is unknown, the most expensive natural gas option ('Mulga') was selected from the schedule per instructions.",
"utility": "heating",
"allowance": 40
},
{
"note": "A gas line is available for heating, and a range is visible in photos. Assumed gas cooking and selected the most expensive natural gas option ('Mulga') as the provider is unknown.",
"utility": "cooking",
"allowance": 16
},
{
"note": "Property has electric cooling. 'Alabama Power' is the primary electric utility for the Hueytown area.",
"utility": "cooling",
"allowance": 18
},
{
"note": "Property has an electric water heater. Selected 'Ala Power' as it is the primary electric provider for the area.",
"utility": "water_heating",
"allowance": 46
},
{
"note": "This allowance for general electricity use is based on the area's primary provider, 'Alabama Power'. Per the schedule line item name, this also includes the allowance for a tenant-supplied refrigerator.",
"utility": "other_electric",
"allowance": 56
},
{
"note": "Property has public water. 'Water: Birmingham' was selected as the Birmingham Water Works Board serves the Hueytown area.",
"utility": "water",
"allowance": 69
},
{
"note": "Property uses a septic system, not public sewer. Therefore, the allowance is $0.",
"utility": "sewer",
"allowance": 0
},
{
"note": "The property is located in Jefferson County. The 'Jefferson City' rate was selected as a reasonable default for the area.",
"utility": "trash_collection",
"allowance": 20
},
{
"note": "A microwave is not listed as a provided appliance and is assumed to be tenant-owned.",
"utility": "range_microwave",
"allowance": 6
}
],
"cash_on_cash_return": 0.44,
"down_payment_amount": 23000.0,
"property_tax_annual": 1412.13,
"property_tax_monthly": 117.68,
"property_tax_increase": 0.03,
"utility_allowance_total": 271.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 2693.03,
"property_management_monthly": 113.7,
"monthly_cash_flow_after_debt": 224.42,
"cash_on_cash_return_after_debt": 0.12
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property appears move-in ready with recent cosmetic updates and a sound exterior envelope. The most likely items a Section 8/NSPIRE inspector would flag are: missing or unconfirmed kitchen range (appliance installation), verification/placement of smoke and carbon monoxide detectors, and presence of GFCI protection at kitchen/bath outlets. Major structural or life-safety hazards are not evident in the photos, but mechanical system operation (HVAC, water heater, electrical panel) should be verified prior to listing for voucher tenants.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking laminate floors, crown molding, recessed lights, and updated kitchen cabinets/countertops. No visible major cosmetic damage, stains, or collapsed surfaces. Kitchen currently lacks a visible range/stove (space and hood present) — missing range will require installation for tenant use but is a moderate, non-structural item. Living room ceiling shows a visible seam/line but no active sag or collapse. Overall appears move-in ready with only minor finish items and a likely appliance installation needed."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 75.0,
"rationale": "A ceiling-mounted smoke/CO-looking device is visible in the hallway area (good). Windows in living areas/bedrooms appear full-size double-hung that likely meet egress for bedrooms, though bedroom photos are limited. No exposed wiring or loose fixtures visible. Entry door has a standard knob and what appears to be provision for a deadbolt (not clearly confirmed). Kitchen outlets visible but no clear GFCI-style outlet shown at sink area — missing GFCI and absence of a visible CO alarm (required if fuel-burning appliances present) could be inspection issues. No visible mold, major water staining, or trip hazards. Because several code-specific items (GFCI, verified smoke/CO placement, deadbolt) cannot be fully confirmed from photos, minor-to-moderate safety risk remains."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 70.0,
"rationale": "Exterior photos show a metal roof in good visible condition and no obvious roof sag or missing sections. Interior shows ceiling vents consistent with central HVAC and recessed lighting indicates functional electrical circuits; however equipment condition/operation (furnace/AC, water heater, electrical panel) is not shown. No signs of active leaks or major plumbing damage in visible areas. Because critical systems (HVAC operational status, water heater, electrical panel condition) are unverified by photos, a moderate deduction was applied for unknowns despite positive visual indicators."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "Exterior siding appears to be vinyl and in overall good condition; property sits level with no visible foundation cracks or structural settlement. Yard is maintained and low-maintenance as listing notes; driveway is gravel but serviceable. Trees are close to the rear/side yard which could present future debris concerns but no immediate roof/structure damage visible. Fence and neighboring structures appear intact. No visible standing water or erosion near foundation in provided photos."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Photos represent the full extent of visible interior and exterior conditions; areas not photographed (bathroom, bedrooms besides living room, attic, mechanical closet) may contain unshown defects.",
"Central HVAC exists and is connected (ceiling vents visible), but its operational condition has not been verified.",
"Water heater and main electrical panel are present and functioning, though not pictured.",
"Smoke detector seen in photo is functional; additional detectors (and CO alarm, if required) may or may not be installed.",
"Range/stove is not present in photos; there is a space and hood indicating prior stove location — assume stove is not currently installed.",
"No evidence of lead-based paint hazards is visible; because house was built in 1953, lead risk is possible but not assessable from photos alone.",
"No major roof leaks, foundation movement, or interior water intrusion were visible in provided images."
],
"overall_score": 78.0,
"rubric_version": "1.0"
},
{
"summary": "This 2-bed/1-bath single-family appears largely turnkey for Section 8 / HCV occupancy with cosmetic updates, intact exterior envelope, functioning central HVAC (visible vents and exterior unit), and a modernized kitchen (sink, dishwasher, cabinets). The most likely inspection items to address are installation/confirmation of a working range/stove, verification/installation of GFCI protection in the kitchen and bathroom (if absent), confirmation of carbon monoxide detector where required, and confirmation of a working water heater and electrical panel access. No obvious structural distress or life-threatening hazards are visible in the photos. With small appliance and code-device verifications/repairs, the property is likely to pass an initial NSPIRE inspection within 1–4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Interior appears recently updated: fresh paint, new-looking floors, crown/base trim, functioning ceiling fans and recessed lights. Kitchen cabinets and counters are in good condition and a dishwasher is installed. Observable deferred items are minor cosmetic (small ceiling seam/line visible in living area) and a missing range/stove in the cooking alcove (hood present but open space where range should be). Exterior siding, metal roof and porch appear sound. Overall repair needs are minor to moderate and can be completed with light maintenance and installation of a cooktop/range."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 78.0,
"rationale": "No exposed wiring or obvious electrical hazards visible. A ceiling-mounted smoke detector (or ceiling dome) is visible in the hallway area in listing photos. Windows look operable and appear large enough to provide egress for bedrooms (bedrooms not shown). Entry door appears secure but a dedicated deadbolt is not clearly visible in photos. GFCI protection at kitchen sink/outlets is not visible in pictures. No signs of active water intrusion, standing water, collapsed ceilings, or severe mold on visible surfaces. Because CO detector, GFCI presence and deadbolt presence cannot be confirmed, a modest deduction applied for potential code items that commonly cause NSPIRE failures."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 75.0,
"rationale": "Ceiling HVAC supply vent registers are visible and an exterior condensing unit or HVAC equipment appears present at the side/rear (photo angle shows exterior unit behind house), indicating central HVAC. Roof is metal and appears intact with no visible sagging or missing panels. Plumbing fixtures in the kitchen are in place and dishwasher present; water heater and electrical panel locations are not shown and could not be inspected. No visible evidence of plumbing leaks or major system failure, but absence of photos of water heater, electrical panel, and furnace/air handler requires conservative scoring."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Exterior shows intact vinyl siding, a metal roof in good visible condition, a small covered entry porch, low-maintenance yard and clear access/parking. Walkway to entry is present; driveway area is gravel which is acceptable though not paved. Some vegetation along the property edge exists but no obvious foundation exposure, standing water, or visible infestation. Overall curb appeal is good and site appears safe and maintained."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing photos reflect current condition and recent updates are accurate as described.",
"Bedrooms have standard-size windows that meet egress requirements (bedrooms not photographed).",
"A smoke detector or ceiling-mounted alarm is installed (one dome-like device visible in hallway photo).",
"No carbon monoxide detector is visible in photos; one may be missing and should be installed if required by local ordinance/NSPIRE.",
"GFCI outlets at kitchen sink and bathroom are not visible in photos and may be absent.",
"Range/stove is not present in photos; landlord will need to supply or install a range prior to tenant move-in or disclose as tenant-supplied.",
"HVAC appears present and operable (ceiling vents and external unit visible), but no service records or interior equipment photos were provided.",
"Water heater and electrical panel were not shown; assume they exist and are functionally accessible but should be verified.",
"No active roof leaks, severe mold, structural sagging, foundation movement or major water intrusion are present based on visible exterior/interior photos; minor ceiling seam may be cosmetic.",
"Door hardware provides locking but a dedicated deadbolt was not clearly visible and may need verification/installation."
],
"overall_score": 79.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 2BR/1BA single-family appears to have been cosmetically updated and is largely rent-ready for Section 8 with minor work. The exterior, roof and HVAC condenser appear in good visual condition and interior finishes are updated. Primary inspection risks are missing/uncertain smoke and CO alarms, unknown GFCI protection in kitchen, and missing major appliances (range/refrigerator). Major systems (electrical panel, water heater) were not shown and should be verified. With installation of required detectors, verification/installation of GFCI protection, and provision/installation of a stove and refrigerator (if required by owner), the home is likely to pass an initial HCV/NSPIRE inspection within 1-4 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Photos and listing indicate a recent cosmetic rehab: fresh paint, new-looking floors, crown moulding, recessed lights and updated kitchen cabinets/counters. Interior finishes appear in good condition with minor cosmetic items only. No obvious collapsed ceilings, heavy stains, or missing trim. Major appliances (stove and refrigerator) are not shown in photos — dishwasher is present but an open alcove and hood suggest no installed range; missing appliances reduce readiness but are easy/quick to remedy. Small ceiling seam visible in living area likely cosmetic; treat as minor repair unless further evidence of active leak."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 70.0,
"rationale": "No visible exposed wiring, torn flooring, or missing guardrails. Central air vents and an exterior condenser are visible (suggesting heating/cooling present). However I do not see smoke detectors or carbon monoxide alarms in the photos (none clearly visible in hallways or rooms shown) and no obvious deadbolt on the pictured exterior door. Kitchen outlets visible are standard devices but no clearly identified GFCI receptacle near the sink — lack of GFCI and missing/uncertain smoke/CO detectors are common Section 8/NSPIRE inspection failures and reduce score. Bedroom egress windows are not pictured but living room windows are full-size; assume bedrooms likely have adequate egress."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electrical, Roof)",
"score": 75.0,
"rationale": "Exterior photos show a metal roof in good visual condition and an exterior HVAC condenser; interior ceiling vents indicate central HVAC ducting. Kitchen sink, dishwasher and visible faucets appear intact; tile and cabinetry in kitchen look recently updated. Electrical panel and water heater are not shown so functionality must be verified; no visible signs of plumbing leaks or active roof issues in photos. Given the recent updates and visible condenser, major systems appear likely functional but require verification (panel access, water heater, GFCI protection)."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.0,
"rationale": "House exterior siding and trim look well maintained, metal roof appears sound, and yard is low-maintenance as described. Walkway and front stoop are intact; no collapsed steps or unsafe stairs visible. Driveway is gravel/partial and there is some overgrowth along the left fence line but nothing indicating structural problems or drainage failure in provided photos. Chimney appears intact. Overall exterior presents as well cared-for."
}
],
"red_flags": [
"No clearly visible smoke detectors or carbon monoxide alarms in photos — potential NSPIRE fail if absent or nonfunctional.",
"No clearly identified GFCI receptacle near kitchen sink in photos — may be an inspection failure if not provided or protected at panel.",
"Range/stove and refrigerator are not visible in photos (range area appears empty) — missing major appliances reduce tenant readiness (easy-to-fix).",
"Ceiling seam/line visible in living area — potential prior leak; recommend verify no active water intrusion."
],
"confidence": 0.7,
"assumptions": [
"Central HVAC is present and operational — exterior condenser and interior vents seen in photos indicate cooling/heating, but full operation was not verified.",
"Water heater and main plumbing are functional though not pictured; no visible interior water damage or staining that would suggest active leaks.",
"Bedrooms have operable egress windows consistent with living-room window style; photos do not show bedrooms directly.",
"No electrical panel issues exist though panel location and condition were not shown; assume panel is intact and accessible.",
"Listing 'recently updated' accurately reflects the photos (fresh paint, new floors) and that updates were done to code unless otherwise noted."
],
"overall_score": 77.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "107 Wheeler Dr, Hueytown, AL, 35023",
"aggregate": {
"summary": "Overall the property appears move-in ready with recent cosmetic updates and a sound exterior envelope. The most likely items a Section 8/NSPIRE inspector would flag are: missing or unconfirmed kitchen range (appliance installation), verification/placement of smoke and carbon monoxide detectors, and presence of GFCI protection at kitchen/bath outlets. Major structural or life-safety hazards are not evident in the photos, but mechanical system operation (HVAC, water heater, electrical panel) should be verified prior to listing for voucher tenants.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.3,
"rationale": "Interior photos show recent cosmetic updates: fresh paint, new-looking laminate floors, crown molding, recessed lights, and updated kitchen cabinets/countertops. No visible major cosmetic damage, stains, or collapsed surfaces. Kitchen currently lacks a visible range/stove (space and hood present) — missing range will require installation for tenant use but is a moderate, non-structural item. Living room ceiling shows a visible seam/line but no active sag or collapse. Overall appears move-in ready with only minor finish items and a likely appliance installation needed."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 80.7,
"rationale": "Exterior siding appears to be vinyl and in overall good condition; property sits level with no visible foundation cracks or structural settlement. Yard is maintained and low-maintenance as listing notes; driveway is gravel but serviceable. Trees are close to the rear/side yard which could present future debris concerns but no immediate roof/structure damage visible. Fence and neighboring structures appear intact. No visible standing water or erosion near foundation in provided photos."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance",
"score": 74.3,
"rationale": "A ceiling-mounted smoke/CO-looking device is visible in the hallway area (good). Windows in living areas/bedrooms appear full-size double-hung that likely meet egress for bedrooms, though bedroom photos are limited. No exposed wiring or loose fixtures visible. Entry door has a standard knob and what appears to be provision for a deadbolt (not clearly confirmed). Kitchen outlets visible but no clear GFCI-style outlet shown at sink area — missing GFCI and absence of a visible CO alarm (required if fuel-burning appliances present) could be inspection issues. No visible mold, major water staining, or trip hazards. Because several code-specific items (GFCI, verified smoke/CO placement, deadbolt) cannot be fully confirmed from photos, minor-to-moderate safety risk remains."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Integrity",
"score": 73.3,
"rationale": "Exterior photos show a metal roof in good visible condition and no obvious roof sag or missing sections. Interior shows ceiling vents consistent with central HVAC and recessed lighting indicates functional electrical circuits; however equipment condition/operation (furnace/AC, water heater, electrical panel) is not shown. No signs of active leaks or major plumbing damage in visible areas. Because critical systems (HVAC operational status, water heater, electrical panel condition) are unverified by photos, a moderate deduction was applied for unknowns despite positive visual indicators."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"Photos represent the full extent of visible interior and exterior conditions; areas not photographed (bathroom, bedrooms besides living room, attic, mechanical closet) may contain unshown defects.",
"Central HVAC exists and is connected (ceiling vents visible), but its operational condition has not been verified.",
"Water heater and main electrical panel are present and functioning, though not pictured.",
"Smoke detector seen in photo is functional; additional detectors (and CO alarm, if required) may or may not be installed.",
"Range/stove is not present in photos; there is a space and hood indicating prior stove location — assume stove is not currently installed.",
"No evidence of lead-based paint hazards is visible; because house was built in 1953, lead risk is possible but not assessable from photos alone.",
"No major roof leaks, foundation movement, or interior water intrusion were visible in provided images."
],
"score_method": "mean_of_criteria",
"overall_score": 77.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8714878009"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.