Property ID: 8819242244

229 72nd St, Birmingham, AL, 35206

Birmingham, AL

For Sale Feb 16, 2026 02:20 AM UTC Realtor Zillow Street View
Money Down: CoC Return: Monthly Cash Flow:
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
Closing Costs
$4,880
Total Down

utility_fetch_failed

Primary property image

Investment Snapshot

Purchase Price
$122,000
Money Down
Cash-on-Cash Return
Rent
Monthly Cash Flow
Annual Cash Flow
Debt Service / Mo
Property Tax / Mo
$0
Insurance / Mo
$0

Quality Score and Underwriting

Monthly Cash Flow Breakdown

Rent (Projected)
Payment Standard
Rent
Insurance
$0
Property Tax
$0
Management
$0
Utilities Allowance
$0
NOI (Monthly)
Debt Service
Cash Flow After Debt

Quality Score: 72.10%

Confidence: 89.00%

This 3-bed/2-bath bungalow appears largely turnkey for Section 8 occupancy with updates reported in 2022 (roof, HVAC, plumbing, floors). Most issues seen are cosmetic or small capital repairs (laminate repair/replacement at kitchen threshold, repaint trim, address worn porch steps). Key inspection risks to address before an HCV/NSPIRE inspection: install/verify GFCI protection for kitchen outlets, install/verify carbon monoxide detector(s) where required, confirm legal egress for all rooms claimed as bedrooms (one small room may not meet egress), and secure/repair the front handrail and address flooring trip hazards. If those items are corrected and hot water/systems verified, the unit is likely to pass an initial housing choice voucher inspection with minor repairs within ~30 days.

Section 8 Payment Standard
Utility Allowance Total
$0
Guaranteed Section 8 Rent (PS - Utilities)
Property Management
$0

Property Fundamentals

Status
For Sale
Type
single_family
List Price
$122,000
Beds
3
Baths
2
Living Area
1,332 sqft
Lot Size
7,405 sqft
Year Built
1935
Days on Market
4
Capital Outlay
Debt Service
Property Tax / Mo
$0
Insurance / Mo
$0

Property Description

Beautiful 3bed 2bath - MOVE IN READY HOME!! Everything was updated in 2022 with new roof, new HVAC, new floors, new kitchen countertops and new plumbing. This cute home sits on a corner lot with a fenced in yard and covered carport. It has lots of space with a breakfast nook and separate laundry off the kitchen. This home is easily accessible to the interstate for commuting. Call today for your showing!

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 Quote
DP1 Annual Estimate$830
DP3 Annual Estimate$1,145
DP1 Monthly Equivalent$69
DP3 Monthly Equivalent$95
Replacement Value$110,400
Basis1,332 sqft / 1935

Nearby Houses

Nearby house 1
Photo unavailable

7209 3rd Ave N

sold · 0.02 mi
Price: $140,000
4 bd / 2 ba · 2,264 sqft
Latest sale: $140,000 on Dec 03, 2025
Latest rent: $1,450 on Sep 02, 2023
Nearby house 2
Photo unavailable

219 72nd St

for_sale · 0.03 mi
Price: $134,500
4 bd / 2 ba · 1,414 sqft
Latest sale: $10,000 on Oct 25, 2018
Latest rent: $1,050 on Feb 02, 2023
Nearby house 3
Photo unavailable

224 72nd St N Unit A

off_market · 0.04 mi
Price: $645
2 bd / 1 ba · 768 sqft
Latest sale: —
Latest rent: $699 on Oct 07, 2025
Nearby house 4
Photo unavailable

224 72nd St N

sold · 0.04 mi
Price: $113,000
2 bd / 1 ba · 1,536 sqft
Latest sale: $113,000 on May 24, 2024
Latest rent: —
Nearby house 5
Photo unavailable

7212 3rd Ave N

sold · 0.05 mi
Price: $50,000
4 bd / 2 ba · 1,773 sqft
Latest sale: $50,000 on Mar 05, 2025
Latest rent: —
Nearby house 6
Photo unavailable

209 72nd St N

sold · 0.05 mi
Price: $29,000
2 bd / 1 ba · 960 sqft
Latest sale: $29,000 on Sep 20, 2021
Latest rent: —
Nearby house 7
Photo unavailable

7208 2nd Ave N

sold · 0.06 mi
Price: $55,000
3 bd / 1 ba · 1,652 sqft
Latest sale: $55,000 on Feb 04, 2021
Latest rent: —
Nearby house 8
Photo unavailable

7124 2nd Ave N

sold · 0.07 mi
Price: $29,900
4 bd / 2 ba · 1,699 sqft
Latest sale: $29,900 on Aug 16, 2024
Latest rent: —
Nearby house 9
Photo unavailable

316 72nd St N

sold · 0.07 mi
Price: $54,499
2 bd / 1 ba · 1,048 sqft
Latest sale: $54,499 on May 06, 2025
Latest rent: $1,200 on Oct 01, 2025
Nearby house 10
Photo unavailable

7113 3rd Ave N

sold · 0.08 mi
Price: $169,900
3 bd / 2 ba · 1,231 sqft
Latest sale: $169,900 on Mar 19, 2025
Latest rent: —
Nearby house 11
Photo unavailable

7120 N 2nd Ave

sold · 0.08 mi
Price: $143,900
3 bd / 2 ba · 1,164 sqft
Latest sale: $143,900
Latest rent: —
Nearby house 12
Photo unavailable

316 73rd St N

sold · 0.08 mi
Price: $55,000
3 bd / 1 ba · 1,184 sqft
Latest sale: $55,000
Latest rent: —
Nearby house 13
Photo unavailable

7112 2nd Ave

for_sale · 0.10 mi
Price: $125,000
3 bd / 2 ba · 1,187 sqft
Latest sale: $92,000
Latest rent: —
Nearby house 14
Photo unavailable

7105 3rd Ave N

sold · 0.10 mi
Price: $169,900
3 bd / 2 ba · 1,231 sqft
Latest sale: $169,900
Latest rent: —

Risk and Criteria Detail

Red Flags

  • utility_fetch_failed
  • Potential electrical hazard: kitchen countertop outlet(s) do not appear to be GFCI-protected — NSPIRE/Local code may require GFCI.
  • Trip hazard: vinyl/laminate flooring lifting near kitchen threshold that could expose subfloor edges or cause trips.
  • Unclear bedroom egress: one very small room photographed may not meet emergency egress requirements if used as a bedroom.
  • Front entry stairs/handrail: worn steps and a single marginal handrail may be evaluated as unsafe/stair hazard by an inspector.
  • No visible carbon monoxide detector(s) in photos — required in many jurisdictions when fuel-burning appliances or attached garages are present.

Assumptions

  • Listing statement that roof, HVAC, plumbing, and floors were replaced in 2022 is accurate and work was completed to code.
  • Photos represent the current condition (no undisclosed water intrusion, mold, or major structural issues off-camera).
  • The electric range and refrigerator shown are included or will be provided; absence of a particular appliance would be treated as a moderate capital item, not an immediate safety failure.
  • No visible electrical panel issues exist behind walls; panel and wiring are assumed intact though not photographed.
  • Bedrooms not clearly pictured (beyond the small room) have standard-sized egress windows unless proven otherwise during inspection.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $1,847 $127,400 $25,480
2023 $1,847 $127,400 $25,480
2022 $819 $56,500 $11,300
2021 $1,090 $75,200 $15,040
2020 $1,090 $75,200 $15,040
2019 $1,090 $75,200 $15,040
2018 $935 $64,500 $12,900
2017 $935 $64,500 $12,900
2016 $935 $64,500 $12,900
2015 $913 $63,000 $12,600
2013 $765 $54,000 $10,800
2012 $878 $62,100 $12,420
2011 $890 $63,000 $12,600
2010 $890 $63,000 $12,600
2009 $929 $65,800 $13,160
2008 $946 $67,000 $13,400
2007 $894 $63,300 $12,660

Sale History

DateEventPrice
2022-04-22 Sold $130,000
2020-11-13 Sold $14,500
2020-05-25 Sold $10,000

Photo Gallery

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            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Interior appears recently renovated (listing states new floors, countertops, plumbing; photos show fresh paint, updated cabinets and tile backsplash). Visible issues: sections of vinyl/laminate flooring lifting at kitchen threshold (trip hazard), scuffed baseboards and trim, worn paint on front steps, some cabinet/trim cosmetic wear. Appliances: electric range and refrigerator visible; stove shows age but appears functional. These are mostly cosmetic or easy-to-fix/capital items (floor replacement/repair, repaint, minor cabinet touch-up). Missing or damaged items do not indicate major rehab."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE)",
            "score": 60.0,
            "rationale": "Photos show at least one ceiling smoke detector in living area (good). Not visible: carbon monoxide detector. Kitchen outlet(s) shown do not appear to be GFCI-protected (kitchen receptacle on backsplash lacks GFCI), which is an NSPIRE fail/repair item. Front entry has a security door and a handrail on one side of steps; steps show worn paint and potential slip/trip risk and the handrail may be marginal (only single side). Bedroom egress: most bedrooms appear to have full-size windows, but one very small room (photo) has a small window that may not meet egress for a legal bedroom — unclear and a potential inspection-fail if that room is designated as a bedroom. No exposed high-voltage wiring or collapsed ceilings visible. Plumbing fixtures appear present and in place; no active leaks are visible. Overall: a mix of passable items and a few code-risk items (GFCI, CO detector, clarify egress, secure handrail)."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 75.0,
            "rationale": "Listing states new roof and new HVAC installed in 2022; photos and condition support recent work (roof not visible in detail but exterior looks maintained). Visible HVAC thermostat on wall. Plumbing fixtures and laundry hookups are present; water heater not shown. Electrical panel not photographed. Stove is electric and connected. Given reported 2022 mechanical updates and no visible systemic failures (no stains, sagging ceilings, or water intrusion), systems appear in generally good condition but lack of photos of the panel/water heater and no verification of hot water reduce the score slightly."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior facade and brick porch look structurally sound; covered front porch and fenced corner lot with carport are positive. Visible issues: worn paint on porch steps, some yard maintenance needed, chain-link fencing age, and some trim paint wear. Walkway to steps is cracked but not severely. No evidence of major foundation movement, standing water, or roof failure in photos. Overall exterior is serviceable but needs minor maintenance to reduce trip/slip hazards and improve curb appeal."
          }
        ],
        "red_flags": [
          "Potential electrical hazard: kitchen countertop outlet(s) do not appear to be GFCI-protected — NSPIRE/Local code may require GFCI.",
          "Trip hazard: vinyl/laminate flooring lifting near kitchen threshold that could expose subfloor edges or cause trips.",
          "Unclear bedroom egress: one very small room photographed may not meet emergency egress requirements if used as a bedroom.",
          "Front entry stairs/handrail: worn steps and a single marginal handrail may be evaluated as unsafe/stair hazard by an inspector.",
          "No visible carbon monoxide detector(s) in photos — required in many jurisdictions when fuel-burning appliances or attached garages are present."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Listing statement that roof, HVAC, plumbing, and floors were replaced in 2022 is accurate and work was completed to code.",
          "Photos represent the current condition (no undisclosed water intrusion, mold, or major structural issues off-camera).",
          "The electric range and refrigerator shown are included or will be provided; absence of a particular appliance would be treated as a moderate capital item, not an immediate safety failure.",
          "No visible electrical panel issues exist behind walls; panel and wiring are assumed intact though not photographed.",
          "Bedrooms not clearly pictured (beyond the small room) have standard-sized egress windows unless proven otherwise during inspection."
        ],
        "overall_score": 71.0,
        "rubric_version": "ns180-2025-v1"
      },
      {
        "summary": "Overall the house appears mostly move-in ready with recent major updates (roof, HVAC, plumbing per listing) and cosmetically refreshed interiors. The most likely items to cause an initial HCV/NSPIRE failure are: missing kitchen GFCI protection, potentially insufficient smoke/CO detectors (locations/quantity not verified), visible buckled kitchen flooring (trip hazard), and minor porch/stair handrail concerns. These are fixable within a short window (repairs, adding GFCI and alarms, replacing/repairing affected floor planks, tightening/replacing handrail). Estimated readiness to pass inspection after addressing the noted safety items: 1–4 weeks depending on contractor availability.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 70.0,
            "rationale": "Interior appears recently updated (paint, trim, new-looking laminate floors in most rooms, refreshed kitchen cabinets and counters). Appliances (stove and refrigerator) are present. Visible issues: several kitchen floor planks are buckled/lifting (trip hazard and indicates subfloor or moisture/installation issue), scuffed/patchy trim and threshold areas, porch step paint worn and some cosmetic concrete/sidewalk cracking. Laundry area wall is unfinished with exposed lath/boards. These are mostly repair/finish items; none indicate immediate catastrophic structural failure."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Compliance Risk",
            "score": 60.0,
            "rationale": "Positive: secure front entry (screen/security door present), porch has a guard/rail, living area shows a ceiling-mounted smoke detector. Windows look like operable egress-type double-hung units in main rooms. Concerns: no visible GFCI-protected receptacle at the kitchen sink (photo shows a standard outlet near sink) which is an NSPIRE/GFCI requirement and constitutes an electrical safety deficiency; carbon monoxide alarm is not visible in photos (required if fuel-burning appliances present); only one visible smoke alarm — bedrooms and hallways require working smoke alarms on every level and outside sleeping areas. The kitchen flooring buckling is a trip hazard. The porch stair handrail is minimal and may not meet grip/height standards. No obvious exposed energized wiring or active water intrusion observed."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 75.0,
            "rationale": "Listing states a new roof and new HVAC (2022); photos show floor vents consistent with central HVAC and no visible water stains or roof sag in photos. Kitchen plumbing fixtures (double sink and faucet) appear serviceable and laundry hookups are present. Electrical service and main panel are not pictured (unknown condition). Water heater not shown. Given the recent-renovation claim and observed intact finishes, major systems likely functional, but absence of visible electrical panel and water heater documentation leaves some uncertainty."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 78.0,
            "rationale": "Exterior brick porch, columns and siding appear intact; property has a fenced yard and covered carport which are positives for rental use. Roof edge and eaves look generally in order (listing notes roof replaced 2022). Sidewalk and approach show cracking and wear; porch steps have worn paint. No signs of standing water, major foundation cracks, or exterior structural sag visible in photos. Overall tidy corner lot with minor cosmetic exterior maintenance needed."
          }
        ],
        "red_flags": [
          "Missing/insufficient GFCI protection at kitchen sink (electrical safety hazard)",
          "Kitchen floor buckling/lifting creating trip hazard and suggesting possible subfloor or moisture issue",
          "Potential insufficient smoke and carbon monoxide alarms (only one detector visible)",
          "Porch stair handrail appears minimal and may not meet code/NSPIRE grasp/height requirements"
        ],
        "confidence": 0.75,
        "assumptions": [
          "Listing statement that roof, HVAC and plumbing were replaced/updated in 2022 is accurate and those systems are operational.",
          "The visible round ceiling device in the living room is a smoke detector; additional detectors/CO alarms are not visible in provided photos.",
          "Electrical service/panel exists and is intact but was not photographed; no visible knob-and-tube or exposed high-risk wiring observed in photos.",
          "Water heater and hot water are present and functioning (not pictured), per the listing 'new plumbing'.",
          "Flooring buckling in the kitchen is localized (subfloor or installation issue) rather than evidence of wider structural/ongoing water intrusion."
        ],
        "overall_score": 70.0,
        "rubric_version": "nsPIRE-v1.0-2025"
      },
      {
        "summary": "This 3BR/2BA 1935 bungalow appears largely updated and in generally good condition for Section 8/NSPIRE inspection with several recent 2022 updates claimed (roof, HVAC, plumbing, floors). Visible issues are mostly cosmetic and relatively quick to correct: localized kitchen floor planks need repair or replacement (trip hazard), confirm and install GFCI protection at kitchen sink and other required locations, verify presence/placement of CO detector(s) and at least one working smoke alarm in each required location, and touch up porch/stair paint and handrail/guard compliance. Assuming standard utility hookups and functioning water heater/electrical panel, the property is likely to pass an initial HCV inspection after addressing the GFCI/detector items and the kitchen floor — estimated rent-ready timeline: 1–4 weeks depending on remediation speed.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior appears recently updated (floors, paint, kitchen cabinets and counters) and listing states significant 2022 updates. Visible cosmetic wear: scuffed trim/paint, some baseboard wear, and localized floor buckling/lifting in the kitchen near the stove which is a trip hazard and will require repair or replacement of planks. Porch steps and stair paint are worn and the front porch floor has surface wear but is serviceable. Appliances present (stove, refrigerator) though the stove shows surface wear. Overall mostly cosmetic and easy-to-fix items, no large areas of demolition visible."
          },
          {
            "key": "safety_code",
            "label": "Life Safety / Code Risk",
            "score": 70.0,
            "rationale": "Positive: functioning front entry with a deadbolt visible, bedroom egress windows appear present, at least one ceiling smoke alarm visible in living area, no obvious exposed wiring or collapsed ceilings in photos. Concerns: no clearly visible carbon monoxide detector (requirement depends on local code and presence of fuel-burning appliances), kitchen GFCI at sink is not clearly identifiable in photos (GFCI protection required near sinks), kitchen flooring buckling is a trip hazard, exterior stairs have a single thin handrail (one side) and the other side relies on low masonry — may trigger an inspector comment for handrail/guard continuity depending on local interpretation. Trim and painted surfaces on a 1935 house present potential lead-paint risk to verify. Plumbing fixtures appear present and functional in photos; no active leaks observed. Overall some code items likely require quick corrections (GFCI, additional detectors, floor fix)."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems & Mechanical",
            "score": 80.0,
            "rationale": "Listing states new roof and new HVAC in 2022; interior photos show floor vents consistent with central HVAC. No visible signs of roof failure or active water intrusion in ceiling photos. Laundry hookups and water connections visible; water heater and electrical panel not shown so their condition is assumed based on seller disclosure. Electric range is present and appears functional. No visible drainage or plumbing backup issues in supplied photos. Because critical system components (panel, water heater, furnace) are not photographed, a conservative but favorable score is used based on the 2022 update claim and lack of visible system distress."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 75.0,
            "rationale": "Exterior brick porch and half-wall appear structurally intact; roofline and soffits look in serviceable condition consistent with a 2022 roof replacement claim. Yard is fenced and corner lot with carport visible. Walkway shows minor cracking and grass encroachment. Porch steps show worn paint; one metal handrail is present on the left side. No visible standing water, major foundation cracks, or roof sagging in photos. Paint touch-up and step refinishing recommended."
          }
        ],
        "red_flags": [
          "Localized buckled/lifting flooring at kitchen (trip hazard) — needs repair before inspection.",
          "No clearly visible GFCI protection at kitchen sink — likely a failed NSPIRE item if absent.",
          "No visible carbon monoxide alarm(s) in photos — install/verify if required by local code or if fuel-burning equipment present.",
          "Laundry/utility wall shows exposed lath/unfinished area behind washer hookups — needs proper closure/trim to meet inspection expectations."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Seller disclosure and listing statement (new roof and HVAC in 2022) are accurate and those systems are functional.",
          "Water heater and electrical panel exist and are in serviceable condition though not pictured.",
          "Appliances shown (range, refrigerator) are included and functional or easily repairable; missing/damaged appliances would be replaced prior to move-in if required by the owner.",
          "No active mold, pest infestation, or hidden water intrusion exists beyond what is visible in photos; interior photos show no staining or mold indicators.",
          "Local jurisdiction requires CO detectors only if fuel-burning appliances or attached garage are present; because stove appears electric, CO requirement is uncertain—recommend installing CO detectors to be safe."
        ],
        "overall_score": 75.0,
        "rubric_version": "NSPIRE-v1.0-2026-02"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "229 72nd St, Birmingham, AL, 35206",
    "aggregate": {
      "summary": "This 3-bed/2-bath bungalow appears largely turnkey for Section 8 occupancy with updates reported in 2022 (roof, HVAC, plumbing, floors). Most issues seen are cosmetic or small capital repairs (laminate repair/replacement at kitchen threshold, repaint trim, address worn porch steps). Key inspection risks to address before an HCV/NSPIRE inspection: install/verify GFCI protection for kitchen outlets, install/verify carbon monoxide detector(s) where required, confirm legal egress for all rooms claimed as bedrooms (one small room may not meet egress), and secure/repair the front handrail and address flooring trip hazards. If those items are corrected and hot water/systems verified, the unit is likely to pass an initial housing choice voucher inspection with minor repairs within ~30 days.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 74.3,
          "rationale": "Interior appears recently renovated (listing states new floors, countertops, plumbing; photos show fresh paint, updated cabinets and tile backsplash). Visible issues: sections of vinyl/laminate flooring lifting at kitchen threshold (trip hazard), scuffed baseboards and trim, worn paint on front steps, some cabinet/trim cosmetic wear. Appliances: electric range and refrigerator visible; stove shows age but appears functional. These are mostly cosmetic or easy-to-fix/capital items (floor replacement/repair, repaint, minor cabinet touch-up). Missing or damaged items do not indicate major rehab."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 74.3,
          "rationale": "Exterior facade and brick porch look structurally sound; covered front porch and fenced corner lot with carport are positive. Visible issues: worn paint on porch steps, some yard maintenance needed, chain-link fencing age, and some trim paint wear. Walkway to steps is cracked but not severely. No evidence of major foundation movement, standing water, or roof failure in photos. Overall exterior is serviceable but needs minor maintenance to reduce trip/slip hazards and improve curb appeal."
        },
        {
          "key": "safety_code",
          "label": "Safety / Code Risk (NSPIRE)",
          "score": 63.3,
          "rationale": "Photos show at least one ceiling smoke detector in living area (good). Not visible: carbon monoxide detector. Kitchen outlet(s) shown do not appear to be GFCI-protected (kitchen receptacle on backsplash lacks GFCI), which is an NSPIRE fail/repair item. Front entry has a security door and a handrail on one side of steps; steps show worn paint and potential slip/trip risk and the handrail may be marginal (only single side). Bedroom egress: most bedrooms appear to have full-size windows, but one very small room (photo) has a small window that may not meet egress for a legal bedroom — unclear and a potential inspection-fail if that room is designated as a bedroom. No exposed high-voltage wiring or collapsed ceilings visible. Plumbing fixtures appear present and in place; no active leaks are visible. Overall: a mix of passable items and a few code-risk items (GFCI, CO detector, clarify egress, secure handrail)."
        },
        {
          "key": "systems_mechanical",
          "label": "Systems & Mechanical Condition",
          "score": 76.7,
          "rationale": "Listing states new roof and new HVAC installed in 2022; photos and condition support recent work (roof not visible in detail but exterior looks maintained). Visible HVAC thermostat on wall. Plumbing fixtures and laundry hookups are present; water heater not shown. Electrical panel not photographed. Stove is electric and connected. Given reported 2022 mechanical updates and no visible systemic failures (no stains, sagging ceilings, or water intrusion), systems appear in generally good condition but lack of photos of the panel/water heater and no verification of hot water reduce the score slightly."
        }
      ],
      "red_flags": [
        "Potential electrical hazard: kitchen countertop outlet(s) do not appear to be GFCI-protected — NSPIRE/Local code may require GFCI.",
        "Trip hazard: vinyl/laminate flooring lifting near kitchen threshold that could expose subfloor edges or cause trips.",
        "Unclear bedroom egress: one very small room photographed may not meet emergency egress requirements if used as a bedroom.",
        "Front entry stairs/handrail: worn steps and a single marginal handrail may be evaluated as unsafe/stair hazard by an inspector.",
        "No visible carbon monoxide detector(s) in photos — required in many jurisdictions when fuel-burning appliances or attached garages are present."
      ],
      "confidence": 0.89,
      "assumptions": [
        "Listing statement that roof, HVAC, plumbing, and floors were replaced in 2022 is accurate and work was completed to code.",
        "Photos represent the current condition (no undisclosed water intrusion, mold, or major structural issues off-camera).",
        "The electric range and refrigerator shown are included or will be provided; absence of a particular appliance would be treated as a moderate capital item, not an immediate safety failure.",
        "No visible electrical panel issues exist behind walls; panel and wiring are assumed intact though not photographed.",
        "Bedrooms not clearly pictured (beyond the small room) have standard-sized egress windows unless proven otherwise during inspection."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 72.1,
      "rubric_version": "ns180-2025-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8819242244"
  }
}

This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.