4210 Obannon Dr, Jackson, MS, 39213
Jackson, MS
Investment Snapshot
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Quality Score: 67.80%
Confidence: 89.00%
This 3-bed/1-bath home is largely cosmetically sound and close to rent-ready. Appliances are present, finishes are intact, and major structural or water-damage issues are not apparent. Primary inspection risks are safety/compliance: no visible smoke/CO detectors, window security bars that may block egress unless quick-release mechanism is present, likely missing GFCI protection in kitchen/bath, and a lack of a handrail at the front steps. Mechanical systems are reported (central HVAC, hot water) but not verifiable from photos — they should be tested. With targeted fixes (install/verify smoke & CO alarms, verify/modify window bars for egress, install GFCI where required, add handrail if required, service/test HVAC and hot water) this property is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks.
Property Fundamentals
Property Description
Welcome to a home that offers comfort, flexibility, and room to enjoy life both inside and out. This 3-bedroom, 1-bath property is an excellent opportunity for first-time home buyers and investors alike. Inside, you'll find comfortable living complemented by central air and central heat for year-round ease. This well-kept three-bedroom home is ready to welcome its next chapter. Bright, comfortable, and in good condition throughout. The kitchen comes equipped with a stove and refrigerator, so new occupants can settle in and start cooking right away, while a dependable hot water tank keeps daily life running smoothly. With plenty of space to relax, rest, and gather, this home is a lovely blend of comfort, convenience, and move-in readiness. PLUS, Step out back to a large deck and a fully fenced yard, perfect for pets, play, or quiet evenings outdoors. Whether you're looking for a welcoming place to call home or a property with income upside, this one offers flexibility, comfort, and value. Home sold ''As Is''. Call your realtor for a showing today!
Utility Allowances
Source References
Insurance Quotes
Coverage Options
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Risk and Criteria Detail
Red Flags
- success
- Window security bars on front windows — potential egress hazard if not quick-release (inspection fail).
- No visible smoke detectors or carbon monoxide alarm in photos (required by NSPIRE/HUD).
- No visible GFCI protection at kitchen or bathroom outlets (possible code/NSPIRE item).
- Front steps/porch lack a handrail which may be cited depending on step height and local code.
Assumptions
- Central HVAC is present and operational as described in the listing (vents visible), but operation was not verified.
- Hot water tank is present and functional per listing; not photographed directly.
- Stove and refrigerator pictured are included and in working order unless removed prior to inspection.
- Window security bars on front windows may or may not have quick-release mechanisms; photos do not show release hardware.
- Deck and fully fenced yard referenced in listing exist but were not clearly shown in the supplied photos.
- No active roof leaks or interior water intrusion exists — interior ceilings show no visible staining in supplied photos.
- No concealed major electrical hazards exist beyond what is visible (panel appears covered but is older).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $710 | $24,520 | $3,678 |
| 2023 | $707 | $24,520 | $3,678 |
| 2021 | $707 | $24,520 | $3,678 |
| 2020 | $699 | $24,360 | $3,654 |
| 2019 | $699 | $24,360 | $3,654 |
| 2018 | $691 | $24,360 | $3,654 |
| 2017 | $692 | $24,360 | $3,654 |
| 2016 | $673 | $24,360 | $3,654 |
| 2015 | $651 | $24,250 | $3,638 |
| 2014 | $650 | $24,250 | $3,638 |
| 2013 | $632 | $24,250 | $3,638 |
| 2012 | $632 | $24,250 | $3,638 |
| 2011 | $655 | $25,500 | $3,825 |
| 2010 | $651 | $25,500 | $3,825 |
| 2009 | $651 | $25,500 | $3,825 |
| 2008 | $651 | $21,870 | $3,281 |
| 2007 | $564 | $21,870 | $3,281 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2017-01-12 | Sold | — |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2019-10-06 | Listed for rent | $675 | — |
| 2018-12-14 | Listed for rent | $675 | — |
Photo Gallery
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"summary": "This 3-bed/1-bath home is largely cosmetically sound and close to rent-ready. Appliances are present, finishes are intact, and major structural or water-damage issues are not apparent. Primary inspection risks are safety/compliance: no visible smoke/CO detectors, window security bars that may block egress unless quick-release mechanism is present, likely missing GFCI protection in kitchen/bath, and a lack of a handrail at the front steps. Mechanical systems are reported (central HVAC, hot water) but not verifiable from photos — they should be tested. With targeted fixes (install/verify smoke & CO alarms, verify/modify window bars for egress, install GFCI where required, add handrail if required, service/test HVAC and hot water) this property is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks.",
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"label": "Condition & Repairs",
"score": 78.0,
"rationale": "Interior appears clean with intact flooring, working light fixtures, ceiling fans and generally acceptable cosmetic condition. Kitchen and bathroom are presentable; stove and refrigerator are shown. Minor cosmetic issues visible (scuffs, small wall repairs, cabinet wear, visible seam at countertop) but no large collapsed ceilings, exposed subfloor, or severe damage. Missing small finish items (some outlet/wall scuffs) — easy-to-fix. Overall the unit looks move-in ready after minor cosmetic touch-ups."
},
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"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 60.0,
"rationale": "Several potential NSPIRE/Section 8 safety issues observed or not shown: no smoke detectors or CO alarm visible in photos (required), exterior windows on front have security bars (could block egress unless quick-release is present), no visible GFCI outlet in kitchen/bath (can be required near wet areas), front steps lack a handrail and could be cited depending on local code/step height. Electrical panel exists and appears to have a cover but is older; no exposed live wiring is visible in photos. Bathroom fixtures and tub appear intact with no visible active leaks. These items create moderate inspection risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 70.0,
"rationale": "Listing states central air and heat and a dependable hot water tank; ceiling vents and central HVAC register visible in photos. Stove and fridge present and appear functional. Electrical panel is present (mounted inside kitchen) and appears intact though aged. No visible signs of active roof leaks, water stains, or plumbing failure in interior photos. Because operation of HVAC, water heater and electrical system cannot be confirmed from photos, moderate score assigned assuming systems are serviceable but likely older given home age (1962)."
},
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"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior shows an intact envelope: siding and brick look serviceable, metal roof appears in fair condition with no visible sagging or stains inside. Concrete walkway and driveway show typical cracking but no major settlement. Front porch has steps and a small landing but no handrail. Yard appears maintained and listing states a large deck and fully fenced yard (not pictured). No visible standing water, major foundation cracks, or severe exterior deterioration in photos."
},
{
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"label": "Evidence of 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."
}
],
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"No visible smoke detectors or carbon monoxide alarm in photos (required by NSPIRE/HUD).",
"No visible GFCI protection at kitchen or bathroom outlets (possible code/NSPIRE item).",
"Front steps/porch lack a handrail which may be cited depending on step height and local code."
],
"confidence": 0.7,
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"Central HVAC is present and operational as described in the listing (vents visible), but operation was not verified.",
"Hot water tank is present and functional per listing; not photographed directly.",
"Stove and refrigerator pictured are included and in working order unless removed prior to inspection.",
"Window security bars on front windows may or may not have quick-release mechanisms; photos do not show release hardware.",
"Deck and fully fenced yard referenced in listing exist but were not clearly shown in the supplied photos.",
"No active roof leaks or interior water intrusion exists — interior ceilings show no visible staining in supplied photos.",
"No concealed major electrical hazards exist beyond what is visible (panel appears covered but is older)."
],
"overall_score": 71.0,
"rubric_version": "1.0"
},
{
"summary": "Overall this 3BR/1BA home appears to be in rentable condition with mostly cosmetic repairs needed and functioning major systems suggested by the listing and photos. Primary inspection risks are missing/undocumented smoke and CO alarms, possible lack of GFCI outlets, and exterior window security bars that may restrict emergency egress unless they have an interior quick-release. If those items are corrected (install tested smoke/CO alarms, add/verify GFCI, ensure egress compliance or add releasable bars), the property is likely to pass an initial HCV/NSPIRE inspection within ~30 days. Structural systems (roof, foundation, HVAC presence) show no visible catastrophic distress in photos, but mechanical testing and verification are recommended.",
"criteria": [
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"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears generally sound and clean with intact flooring, working ceiling fans and finished walls. Kitchen and bathroom fixtures are present; fridge and range are shown in photos. Cosmetic wear is visible (scuffed walls, worn cabinet faces, some trim scuffs). No collapsed ceilings, exposed subfloor, or visible major structural damage. Missing/minor items (touch-up paint, cabinet repair, small trim repairs) appear easy-to-fix. Overall condition suggests only moderate cosmetic and rental-turnover work is required."
},
{
"key": "safety_code",
"label": "Safety / Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are not visible in the photos: no smoke alarms or CO detector are shown (required), GFCI protection for kitchen/bath not visible, and at least two front windows show exterior security bars that could impede emergency egress unless they have interior quick-release hardware. Entry has a metal security door (locks present). No obvious exposed live wiring or active leaks visible; electrical panel is present and appears covered. Because safety-critical devices (smoke/CO detectors, releasable window bars, GFCI) are not documented, there is a moderate inspection risk that will need addressing prior to or during inspection."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing / Roof)",
"score": 70.0,
"rationale": "Listing states central air and heat; ceiling supply/return vents visible in photos which supports presence of central HVAC. Refrigerator, gas range, and hot water tank are described/pictured. Electrical panel is visible (appears intact). Roof appears metal and level from front photo with no visible sagging or active leaks. Plumbing fixtures (toilet, tub/shower, sink) are present and look serviceable. Systems appear functional on visual inspection, but age of systems and no service records provided — recommend verifying HVAC operation, water heater, and testing electrical/GFCI prior to final approval."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 65.0,
"rationale": "Front siding/brick skirting and metal roof look intact with no visible major deterioration. Driveway and walkway show cracking but are functional. Small front steps lack a handrail (stairs are short — may or may not require one depending on local code). Shrubs need trimming; property appears maintained but older. Listing references a large deck and fully fenced yard (not shown in photos). No visible standing water, major foundation cracks, or collapsed elements in supplied photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [
"No visible smoke alarms in photos — required for NSPIRE/HCV inspections.",
"No visible carbon monoxide detector (if required by local code) shown in photos.",
"Exterior/window security bars on front windows that may restrict emergency egress unless they have verified quick-release hardware.",
"GFCI protection for kitchen and bathroom not evident in photos — potential electrical code/compliance issue."
],
"confidence": 0.6,
"assumptions": [
"Central heating and air are functional as stated in listing and suggested by ceiling vents in photos (no test records provided).",
"Hot water tank is present and operational per listing text (tank not pictured explicitly).",
"Kitchen refrigerator and stove are included and operable — both are pictured; stove appears to be gas but gas connection condition not verified.",
"No active roof leaks or major unseen structural issues exist beyond photos; roof appears intact from front view.",
"Window security bars seen on the front elevation may be fixed or releasable; their release mechanism is unknown and assumed to be potentially non-compliant until verified.",
"Smoke and carbon monoxide detectors were not photographed and therefore assumed not documented; they may be present but should be verified/tested before inspection.",
"GFCI protection in kitchen and bathroom is not visible in photos and is assumed potentially absent until confirmed."
],
"overall_score": 67.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "This 3-bed/1-bath home presents as cosmetically worn but fundamentally serviceable and likely rentable after minor repairs and verification of safety items. Major visible positives: functioning appliances present, central HVAC claimed and vents visible, intact floors, kitchen and full bath in place, solid exterior roofline. Primary NSPIRE risks: no smoke/CO detectors visible, window security bars that may impede egress, lack of visible GFCI protection in wet areas, and an older electrical panel that should be inspected. With targeted fixes (install/verify smoke & CO alarms, ensure GFCI, confirm egress/bar quick-release, basic cosmetic touch-ups) the property should pass an initial HCV/NSPIRE inspection within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 70.0,
"rationale": "Interior appears clean and mostly intact: floors (laminate and hardwood) look serviceable, bathroom and kitchen finishes present, stove and refrigerator shown. Visible minor cosmetic issues (scuffs, small holes, worn trim, aged ceiling fans) that are easy/low-cost to repair. No large areas of collapsed ceilings, exposed subfloor, or severe water damage visible. Missing/aged finishes reduce score but overall condition is livable with minor-to-moderate cosmetic work."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are unclear or not visible. No smoke detectors are visible in photos (required). Carbon monoxide alarm not visible. Window security bars are present on main windows; without quick-release they can fail bedroom egress requirements. Kitchen and bathroom outlets shown are standard receptacles; no GFCI outlets are apparent. Electrical panel shown (in kitchen) looks old but intact; no exposed live wiring seen. No evidence of active leaks, major mold, or collapsed structure. Overall a moderate safety risk primarily due to missing/undocumented alarms and potential egress/window-bar issues."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical Condition",
"score": 65.0,
"rationale": "Listing states central air and heat and a dependable hot water tank; ceiling vents visible supporting central HVAC presence. Appliances (stove, refrigerator) are present in photos. Roof appears to be metal and visually intact with no sagging shown. Electrical and plumbing systems appear functional at glance; electrical panel is older and located in kitchen which may require verification. No visible signs of active plumbing leaks, standing water, or collapsed systems. Given age (1962) systems likely serviceable but should be verified; moderate score for age and lack of direct system testing evidence."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Exterior photos show an intact roofline and siding, concrete walkway and driveway with typical cracking but serviceable. Front porch and steps look solid. Yard appears maintained and listing notes a large deck and fully fenced yard (not fully visible in photos). No visible major foundation cracks, significant erosion, standing water, or infestation evidence. Some cosmetic aging of exterior materials; overall site appears functional and low risk."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": [
"No visible smoke detectors or carbon monoxide alarm in photos (required by NSPIRE).",
"Window security bars on front windows may impede bedroom egress and could cause inspection failure unless quick-release devices are verified.",
"No visible GFCI outlets in kitchen/bath photos — potential electrical safety/code issue.",
"Electrical panel is older and located in kitchen wall; requires inspection for safety/clearance.",
"Property built in 1962 — potential lead-based paint risk that requires compliance steps for pre-1978 housing."
],
"confidence": 0.7,
"assumptions": [
"Central air and heat are operational as stated in listing and vents visible; HVAC has not been tested in photos.",
"Water heater is present and functioning per listing though not pictured; hot water is available.",
"Stove and refrigerator shown are present and operable unless removed prior to lease.",
"Window security bars may not have quick-release devices; their presence in photos creates potential egress failure unless verified.",
"No active roof leaks or major foundation movement are present since none are visible in photos.",
"Smoke and carbon monoxide alarms are not installed or not visible in photos and should be confirmed/installed.",
"GFCI protection in kitchen and bathroom is not visible in photos and should be confirmed; assumed absent for scoring.",
"No evidence of severe mold, pest infestation, or hidden structural collapse based on photos; if present, condition score would be significantly lower.",
"Property was built in 1962; lead-based paint is possible and should be addressed per HUD rules for pre-1978 housing."
],
"overall_score": 66.0,
"rubric_version": "2026-02-NSPIRE-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "4210 Obannon Dr, Jackson, MS, 39213",
"aggregate": {
"summary": "This 3-bed/1-bath home is largely cosmetically sound and close to rent-ready. Appliances are present, finishes are intact, and major structural or water-damage issues are not apparent. Primary inspection risks are safety/compliance: no visible smoke/CO detectors, window security bars that may block egress unless quick-release mechanism is present, likely missing GFCI protection in kitchen/bath, and a lack of a handrail at the front steps. Mechanical systems are reported (central HVAC, hot water) but not verifiable from photos — they should be tested. With targeted fixes (install/verify smoke & CO alarms, verify/modify window bars for egress, install GFCI where required, add handrail if required, service/test HVAC and hot water) this property is likely to pass an initial HCV/NSPIRE inspection within 1–3 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 74.3,
"rationale": "Interior appears clean with intact flooring, working light fixtures, ceiling fans and generally acceptable cosmetic condition. Kitchen and bathroom are presentable; stove and refrigerator are shown. Minor cosmetic issues visible (scuffs, small wall repairs, cabinet wear, visible seam at countertop) but no large collapsed ceilings, exposed subfloor, or severe damage. Missing small finish items (some outlet/wall scuffs) — easy-to-fix. Overall the unit looks move-in ready after minor cosmetic touch-ups."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.7,
"rationale": "Exterior shows an intact envelope: siding and brick look serviceable, metal roof appears in fair condition with no visible sagging or stains inside. Concrete walkway and driveway show typical cracking but no major settlement. Front porch has steps and a small landing but no handrail. Yard appears maintained and listing states a large deck and fully fenced yard (not pictured). No visible standing water, major foundation cracks, or severe exterior deterioration in photos."
},
{
"key": "rental_history_activity",
"label": "Evidence of 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": 56.7,
"rationale": "Several potential NSPIRE/Section 8 safety issues observed or not shown: no smoke detectors or CO alarm visible in photos (required), exterior windows on front have security bars (could block egress unless quick-release is present), no visible GFCI outlet in kitchen/bath (can be required near wet areas), front steps lack a handrail and could be cited depending on local code/step height. Electrical panel exists and appears to have a cover but is older; no exposed live wiring is visible in photos. Bathroom fixtures and tub appear intact with no visible active leaks. These items create moderate inspection risk until verified/fixed."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 68.3,
"rationale": "Listing states central air and heat and a dependable hot water tank; ceiling vents and central HVAC register visible in photos. Stove and fridge present and appear functional. Electrical panel is present (mounted inside kitchen) and appears intact though aged. No visible signs of active roof leaks, water stains, or plumbing failure in interior photos. Because operation of HVAC, water heater and electrical system cannot be confirmed from photos, moderate score assigned assuming systems are serviceable but likely older given home age (1962)."
}
],
"red_flags": [
"Window security bars on front windows — potential egress hazard if not quick-release (inspection fail).",
"No visible smoke detectors or carbon monoxide alarm in photos (required by NSPIRE/HUD).",
"No visible GFCI protection at kitchen or bathroom outlets (possible code/NSPIRE item).",
"Front steps/porch lack a handrail which may be cited depending on step height and local code."
],
"confidence": 0.89,
"assumptions": [
"Central HVAC is present and operational as described in the listing (vents visible), but operation was not verified.",
"Hot water tank is present and functional per listing; not photographed directly.",
"Stove and refrigerator pictured are included and in working order unless removed prior to inspection.",
"Window security bars on front windows may or may not have quick-release mechanisms; photos do not show release hardware.",
"Deck and fully fenced yard referenced in listing exist but were not clearly shown in the supplied photos.",
"No active roof leaks or interior water intrusion exists — interior ceilings show no visible staining in supplied photos.",
"No concealed major electrical hazards exist beyond what is visible (panel appears covered but is older)."
],
"score_method": "mean_of_criteria",
"overall_score": 67.8,
"rubric_version": "1.0",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8809596571"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.