Property ID: 8738407493
3483 Highway 1, Grand Isle, LA, 70358
Grand Isle, LA
Money Down: $66,000
CoC Return: -0.04%
Monthly Cash Flow: $-2
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$55,000
Closing Costs
$11,000
Total Down
$66,000
Investment Snapshot
Purchase Price
$275,000
Money Down
$66,000
Cash-on-Cash Return
-0.04%
Rent
$2,012
Monthly Cash Flow
$-2
Annual Cash Flow
$-26
Debt Service / Mo
$1,464
Property Tax / Mo
$238
Insurance / Mo
$111
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,012
Payment Standard
$2,328
Rent
$2,012
Insurance
$111
Property Tax
$238
Management
$201
Utilities Allowance
$316
NOI (Monthly)
$1,462
Debt Service
$1,464
Cash Flow After Debt
$-2
Quality Score: 80.20%
Confidence: 94.00%
Based on photos and the listing, this elevated duplex is in overall good, mostly turnkey condition and likely to pass an initial HCV/NSPIRE inspection with only minor items to address. Strong positives: recent post‑Ida upgrades (HVAC, floors, ceiling, breaker panel), intact roof, deck railings, kitchen appliances present and clean interiors. Primary inspection uncertainties that could reduce score on an on-site inspection are: verification of properly located/working smoke and CO alarms, GFCI protection in kitchen/baths, presence and operation of hot water, and the unseen plumbing/water‑heater condition. No major structural or life‑threatening hazards are visible in the photos.
Section 8 Payment Standard
$2,328
Utility Allowance Total
$316
Guaranteed Section 8 Rent (PS - Utilities)
$2,012
Property Management
$201
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$275,000
Beds
4
Baths
3
Living Area
1,430 sqft
Lot Size
8,712 sqft
Year Built
1993
Days on Market
30
Capital Outlay
$66,000
Debt Service
$1,464
Property Tax / Mo
$238
Insurance / Mo
$111
Property Description
Established short-term rental set-up as a duplex. Location is steps away from a beach crossover & near restaurants/bars/grocery store. Unit 1 is a 2bed / 2bath. Unit 2 with 2bed/ 1bath. The large deck boasts beautiful gulf views. Enjoy boiling seafood or just hanging out on the covered patio downstairs. New HVAC, floors, ceiling & breaker panel post Ida. Call agent for rental history.
Utility Allowances
heating
$88
Selected 'electric_heat_pump' for a 4-bedroom unit. The property is listed as having 'Central Air' and 'Central' heating, which is consistent with an electric heat pump system common in this region.
cooking
$19
Selected 'electric' for a 4-bedroom unit. Fuel type was not specified; electric was chosen for consistency with other electric systems and is a common setup.
water_heating
$57
Selected 'electric' for a 4-bedroom unit. Fuel type was not specified; electric was chosen for consistency with the electric heating system.
other_electric
$77
Monthly allowance for a 4-bedroom unit covering general electric use like lights and appliances, excluding heating, cooking, and hot water.
water
$50
Monthly allowance for a 4-bedroom unit. The property is explicitly listed as having a 'Public' water source.
sewer
$0
Allowance is $0. The property is explicitly listed as having a 'Septic Tank', so there is no public sewer utility cost for the tenant.
trash_collection
$25
Fixed monthly allowance for a 4-bedroom unit. This is a standard utility for a single-family home and is included by inference.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,337
DP3 Annual Estimate$1,337
DP1 Monthly Equivalent$111
DP3 Monthly Equivalent$111
Replacement Value$300,000
Basis1,430 sqft / 1993
Nearby Houses
Photo unavailable
3483 LA Highway 1
off_market
Price: $299,000
4 bd / 2 ba · 1,800 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3478 Highway 1
for_sale · 0.02 mi
Price: $475,000
4 bd / 2 ba · 1,450 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3493 Highway 1
off_market · 0.04 mi
Price: $325,000
4 bd / 3 ba · 1,368 sqft
Latest sale: — on Mar 17, 2026
Latest rent: —
Photo unavailable
3513 Highway 1
for_sale · 0.08 mi
Price: $299,000
4 bd / 3 ba · 1,650 sqft
Latest sale: —
Latest rent: —
Photo unavailable
3517 Highway 1
for_sale · 0.09 mi
Price: $315,000
2 bd / 2 ba · 1,363 sqft
Latest sale: — on Jul 22, 2022
Latest rent: —
Photo unavailable
3446 Highway 1
off_market · 0.09 mi
Price: $310,000
— bd / — ba
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
Assumptions
- Listing statement that HVAC, floors, ceiling and breaker panel were replaced post‑Ida is accurate.
- Central HVAC is functional (ceiling vents visible) despite some window AC units being present.
- Kitchen appliances pictured (range, refrigerator) are operational or serviceable.
- Smoke detectors and CO alarms are not visible in photos; assume at least some smoke detectors exist but final verification required on-site.
- Water heater and plumbing fixtures are present and functional unless an on-site inspection reveals otherwise.
- No major hidden water intrusion or mold exists behind walls or under floors; visible ceilings and new flooring show no staining.
- Timber pilings are structurally sound despite surface weathering; no significant foundation movement is present based on pile alignment in photos.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $2,771 | $200,000 | $20,000 |
| 2024 | $2,564 | $200,000 | $20,000 |
| 2023 | $2,748 | $200,000 | $20,000 |
| 2022 | $2,748 | $200,000 | $20,000 |
| 2021 | $758 | $55,600 | $5,560 |
| 2020 | $2,593 | $200,000 | $20,000 |
| 2019 | $2,629 | $200,000 | $20,000 |
| 2018 | $2,439 | $200,000 | $20,000 |
| 2017 | $2,439 | $200,000 | $20,000 |
| 2016 | $2,444 | $200,000 | $20,000 |
| 2015 | $2,359 | $200,000 | $20,000 |
| 2014 | $2,347 | $200,000 | $20,000 |
| 2013 | $2,347 | $200,000 | $20,000 |
| 2012 | $811 | $66,400 | $6,640 |
| 2011 | $814 | $65,900 | $6,590 |
| 2010 | $594 | $59,300 | $5,930 |
| 2009 | $789 | $65,900 | $6,590 |
| 2008 | $654 | — | $6,590 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-03-10 | Listed | $275,000 |
| 2013-05-09 | Sold | $0 |
Photo Gallery
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"label": "Visible condition and repairs",
"score": 85.0,
"rationale": "Interior photos show new-looking floors, clean paint, intact cabinetry and furnishings; kitchen appliances (range and refrigerator) are present. Exterior paint and decking are in good condition; deck railings intact. Listing states 'new HVAC, floors, ceiling & breaker panel post Ida.' No visible major cosmetic damage, water stains, or collapsed surfaces. Minor maintenance likely (deck paint touch-up, weathering on exposed posts, older fluorescent fixtures under porch). Missing or worn small items are easy-to-fix capital items."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 80.0,
"rationale": "Home is elevated on pilings (reduces flood/passive risk) with continuous guardrails and handrails on exterior stairs visible. Windows and egress appear adequate for living areas shown. Breaker panel cover is present (panel reportedly replaced post-Ida). No visible exposed live wiring, no collapsed ceilings, no visible mold or major water intrusion. Unknowns: presence & placement of smoke detectors and CO alarms, GFCI protection in kitchen/baths, functionality of hot water, and condition of plumbing fixtures cannot be confirmed from photos. Listing suggests major electrical/HVAC updates which reduces electrical hazard risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 78.0,
"rationale": "Listing explicitly notes new HVAC and breaker panel which is a strong positive. Ceiling vents and central HVAC returns visible in interior photos; window AC units also present. Roof is metal and looks in good visual condition in multiple photos. Electrical panel is visible and intact. Water heater and domestic hot water/plumbing equipment are not shown; plumbing fixtures not photographed for functional check. Under-house drainage appears typical; concrete slab parking reduces standing water at grade but buried utilities and actual water heater condition unknown."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 82.0,
"rationale": "Elevated coastal structure on timber pilings appears straight and adequately supported; no visible foundation movement or unevenness. Siding, paint and metal roof appear well maintained. Deck and railings look solid with composite or painted boards. Under-house area is clean and concrete slab in good condition. Some of the timber pilings show weathering (normal for coastal) and will require periodic inspection; landscaping and walkways are minimal but serviceable. No visible infestation, standing water, or severe erosion in photos."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"Listing statement that HVAC, floors, ceiling and breaker panel were replaced post‑Ida is accurate.",
"Central HVAC is functional (ceiling vents visible) despite some window AC units being present.",
"Kitchen appliances pictured (range, refrigerator) are operational or serviceable.",
"Smoke detectors and CO alarms are not visible in photos; assume at least some smoke detectors exist but final verification required on-site.",
"Water heater and plumbing fixtures are present and functional unless an on-site inspection reveals otherwise.",
"No major hidden water intrusion or mold exists behind walls or under floors; visible ceilings and new flooring show no staining.",
"Timber pilings are structurally sound despite surface weathering; no significant foundation movement is present based on pile alignment in photos."
],
"overall_score": 82.0,
"rubric_version": "nsPIRE-2024-v1"
},
{
"summary": "Overall this elevated duplex is in good, rent-ready condition with recent mechanical and interior updates reported (new HVAC, floors, ceiling, and breaker panel). Exterior deck, railings and stairs are present and generally in serviceable condition. The most likely NSPIRE inspection items to confirm or correct are smoke/CO detectors, GFCI protection in kitchen and bathrooms, and verification of a working hot water system. No major structural, roof, or active-water intrusion issues are visible; recommended timeline to resolve likely items is within 1–4 weeks. Given photo evidence and listing notes, the property is likely to pass an initial HCV/NSPIRE inspection after minor code-verification and small fixes if necessary.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 82.0,
"rationale": "Interior photos show new-looking vinyl plank floors, fresh paint, furnished living areas and present major kitchen appliances (stove and refrigerator). Exterior paint and deck appear recently maintained; decking and railings intact. Visible deferred items limited to weathering of exposed pile posts and minor deck/handrail paint wear. Missing or broken items are not evident; no visible collapsed or rotten structural members. Overall turnkey with only routine exterior maintenance and cosmetic touchups likely needed."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance",
"score": 75.0,
"rationale": "Property is elevated on piles with stair access and guardrails present on all visible openings; deck railings and stair handrails appear installed. Breaker panel is visible in interior photo and listing notes the breaker panel was replaced post-Ida. No exposed wiring, obvious active leaks, collapsed ceilings, or large foundation movement visible. Unconfirmable items from photos: presence/placement of smoke detectors and CO alarms, GFCI protection in kitchen/baths, adequacy of window egress in all bedrooms, and hot-water availability. Because these items frequently cause initial NSPIRE fails but are commonly corrected quickly, this is rated as moderate risk."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC/Electrical/Plumbing/Roof)",
"score": 78.0,
"rationale": "Listing states 'New HVAC' and photos show what appear to be functioning HVAC registers and a newer breaker panel—both positive for inspection. Metal roof appears intact with no visible sagging or active leaks. Plumbing and water heater are not shown; no visible standing water or active plumbing failure observed underneath. Electrical meter and conduit are present and appear enclosed. Remaining uncertainty around hot water heater location/condition and presence of GFCI outlets reduces the score slightly."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 80.0,
"rationale": "Elevated coastal single-family (duplex setup) on piles with concrete parking slab underneath and open yard. Siding, windows, exterior stairs, porches and railings appear in good condition; yard is maintained and walkways are clear. Piles show weathering consistent with coastal exposure but no visible tilt, sag or undermining. Drainage away from the slab appears adequate from photos. Some under-house storage and hose/fish-cleaning station present but no evidence of infestation or standing water in provided images."
}
],
"red_flags": [],
"confidence": 0.66,
"assumptions": [
"Listing statement 'New HVAC, floors, ceiling & breaker panel post Ida' is accurate and represents functional HVAC and updated electrical service.",
"Kitchen appliances shown (range and refrigerator) are present and in working order at time of inspection.",
"Smoke detectors and CO alarms may be present but their locations and functionality are not visible in photos; assume at least some detectors exist but recommend verification and possible relocation/added units to meet NSPIRE placement rules.",
"Water heater and hot water supply are present but not photographed; assume operational but recommend verification.",
"GFCI protection in kitchen and bathrooms cannot be confirmed from photos and may require addition to meet code/NSPIRE.",
"Pile foundations are weathered due to coastal exposure but are assumed structurally sound since no sagging or movement is visible in photos."
],
"overall_score": 79.0,
"rubric_version": "ns-py-2026-03-v1"
},
{
"summary": "Likely to pass an initial HCV/NSPIRE inspection with minor, addressable items. The home shows clear post-storm repairs (new HVAC, breaker panel, floors, ceilings), intact roof, functioning kitchen appliances, solid deck/railings and sound raised piling support. Main uncertainties are code items that cannot be confirmed from photos—smoke/CO alarms, GFCI protection in kitchen/baths, and bedroom egress windows. These are common, easily-corrected inspection items. Recommend verifying presence/function of smoke detectors and GFCI outlets, confirming hot water and plumbing operation, and documenting the updated breaker panel and HVAC service records prior to inspection.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 85.0,
"rationale": "Property photos and listing describe recent post-Ida repairs: new floors, new ceiling and new breaker panel. Interior finishes look clean and furnished, kitchen appliances (stove and refrigerator) visible, deck and railings appear intact. Minor cosmetic wear on exterior pilings and some weathering on exterior stairs/rails visible but no major deferred maintenance. Missing or worn exterior paint and typical seaside weathering are easy-to-fix. Overall condition is good; only minor cosmetic and maintenance tasks expected to prepare for tenancy."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 75.0,
"rationale": "Exterior stairs have handrails and deck guardrails are present and appear continuous. Breaker panel (new) is visible on interior wall. New HVAC indicated in listing and ceiling registers visible. No obvious exposed wiring, collapsed ceilings, standing water, or major structural sagging visible. However several NSPIRE items cannot be confirmed from photos: smoke detectors and carbon monoxide alarms are not clearly visible; GFCI protection at kitchen/bath outlets not visible; bedroom egress windows are not explicitly shown. Because these items are common inspection fails but likely addressable, score reduced to account for unknowns."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof)",
"score": 80.0,
"rationale": "Listing explicitly states new HVAC and new breaker panel post-Ida; photos show ceiling supply/return vents indicating a central system. Metal roof appears intact with no visible damage. Electrical panel is present and appears closed/intact. Plumbing fixtures and hot water system are not shown; listing/photography imply active rental use. Given the visible recent upgrades and lack of obvious system damage, systems look sound though water heater/plumbing function should be verified on inspection."
},
{
"key": "exterior_site",
"label": "Exterior, foundation, site and walkways",
"score": 78.0,
"rationale": "Raised coastal construction on pilings appears structurally supported with concrete pad beneath and good clearance for storm surge. Siding and painted surfaces look recently maintained. Walkways/driveway area are gravel/concrete and appear serviceable. Some pilings and exterior wood show natural weathering; no visible foundation movement or significant rot/sagging. Exterior fish-cleaning sink and open storage under house are present; they appear functional but should be checked for leaks and pest entry."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"The listing statement ('new HVAC, floors, ceiling & breaker panel post Ida') is accurate and those components are operational.",
"Kitchen appliances shown (stove, refrigerator) are functional and will remain with the property.",
"Hot water heater and plumbing fixtures are present and operational though not pictured.",
"Smoke detectors and CO alarms may be present but are not visible in photos; if missing they will be installed prior to inspection.",
"GFCI protection in kitchen and bathrooms was not visible in photos and may need verification/upgrade.",
"Interior bedroom egress windows meet size/egress code or are close to meeting — exact compliance unknown from images.",
"Pilings and structural supports are weathered from coastal conditions but currently structurally sound with no hidden major damage."
],
"overall_score": 80.0,
"rubric_version": "ns-p-ro-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "3483 Highway 1, Grand Isle, LA, 70358",
"aggregate": {
"summary": "Based on photos and the listing, this elevated duplex is in overall good, mostly turnkey condition and likely to pass an initial HCV/NSPIRE inspection with only minor items to address. Strong positives: recent post‑Ida upgrades (HVAC, floors, ceiling, breaker panel), intact roof, deck railings, kitchen appliances present and clean interiors. Primary inspection uncertainties that could reduce score on an on-site inspection are: verification of properly located/working smoke and CO alarms, GFCI protection in kitchen/baths, presence and operation of hot water, and the unseen plumbing/water‑heater condition. No major structural or life‑threatening hazards are visible in the photos.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repairs",
"score": 84.0,
"rationale": "Interior photos show new-looking floors, clean paint, intact cabinetry and furnishings; kitchen appliances (range and refrigerator) are present. Exterior paint and decking are in good condition; deck railings intact. Listing states 'new HVAC, floors, ceiling & breaker panel post Ida.' No visible major cosmetic damage, water stains, or collapsed surfaces. Minor maintenance likely (deck paint touch-up, weathering on exposed posts, older fluorescent fixtures under porch). Missing or worn small items are easy-to-fix capital items."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Elevated coastal structure on timber pilings appears straight and adequately supported; no visible foundation movement or unevenness. Siding, paint and metal roof appear well maintained. Deck and railings look solid with composite or painted boards. Under-house area is clean and concrete slab in good condition. Some of the timber pilings show weathering (normal for coastal) and will require periodic inspection; landscaping and walkways are minimal but serviceable. No visible infestation, standing water, or severe erosion in photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 76.7,
"rationale": "Home is elevated on pilings (reduces flood/passive risk) with continuous guardrails and handrails on exterior stairs visible. Windows and egress appear adequate for living areas shown. Breaker panel cover is present (panel reportedly replaced post-Ida). No visible exposed live wiring, no collapsed ceilings, no visible mold or major water intrusion. Unknowns: presence & placement of smoke detectors and CO alarms, GFCI protection in kitchen/baths, functionality of hot water, and condition of plumbing fixtures cannot be confirmed from photos. Listing suggests major electrical/HVAC updates which reduces electrical hazard risk."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 78.7,
"rationale": "Listing explicitly notes new HVAC and breaker panel which is a strong positive. Ceiling vents and central HVAC returns visible in interior photos; window AC units also present. Roof is metal and looks in good visual condition in multiple photos. Electrical panel is visible and intact. Water heater and domestic hot water/plumbing equipment are not shown; plumbing fixtures not photographed for functional check. Under-house drainage appears typical; concrete slab parking reduces standing water at grade but buried utilities and actual water heater condition unknown."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"Listing statement that HVAC, floors, ceiling and breaker panel were replaced post‑Ida is accurate.",
"Central HVAC is functional (ceiling vents visible) despite some window AC units being present.",
"Kitchen appliances pictured (range, refrigerator) are operational or serviceable.",
"Smoke detectors and CO alarms are not visible in photos; assume at least some smoke detectors exist but final verification required on-site.",
"Water heater and plumbing fixtures are present and functional unless an on-site inspection reveals otherwise.",
"No major hidden water intrusion or mold exists behind walls or under floors; visible ceilings and new flooring show no staining.",
"Timber pilings are structurally sound despite surface weathering; no significant foundation movement is present based on pile alignment in photos."
],
"score_method": "mean_of_criteria",
"overall_score": 80.2,
"rubric_version": "nsPIRE-2024-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8738407493"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.