Property ID: 8869052288

308 Cedar Cir, Adamsville, AL, 35005

Adamsville, AL

For Sale Feb 16, 2026 01:39 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
$4,020
Total Down

utility_fetch_failed

Primary property image

Investment Snapshot

Purchase Price
$100,500
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: 70.80%

Confidence: 94.00%

This 3BR/2BA bungalow appears generally move-in ready with mostly cosmetic and maintenance issues. Interiors are updated (paint, floors, tile/kitchen) and a condenser unit is present, indicating HVAC. Primary deficiencies from photo review are a weathered front deck, cracked/uneven exterior walkways (trip hazards), possible missing kitchen appliances (no stove/fridge shown), and lack of visible smoke/CO detectors or GFCI outlets in photos. No major structural or life-safety failures are visible. Based on NSPIRE priorities, the home is likely to pass a voucher inspection after completing a short punch-list (install/verify smoke & CO detectors, ensure GFCIs where required, install missing appliances or confirm working hookups, repair/secure deck and walkways). Estimated time-to-rent readiness: minor repairs within 1-4 weeks; allow additional time for confirmation of electrical panel, hot water and HVAC operational tests if required by the inspector.

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
$100,500
Beds
3
Baths
2
Living Area
904 sqft
Lot Size
9,148 sqft
Year Built
1930
Days on Market
152
Capital Outlay
Debt Service
Property Tax / Mo
$0
Insurance / Mo
$0

Property Description

CHECK OUT THIS CUTE AS A BUTTON 3 bedroom 2 bath home. This home has been updated and is move in ready and is nestled under beautiful trees. Hardwood & tile floors. If you are looking for a home that will not break the bank then you schedule your showing today!!! Rent, rent to own and seller financing options available, contact for details!

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$576
DP3 Annual Estimate$855
DP1 Monthly Equivalent$48
DP3 Monthly Equivalent$71
Replacement Value$67,400
Basis904 sqft / 1930

Nearby Houses

Nearby house 1
Photo unavailable

325 Cypress Ave

sold · 0.03 mi
Price: $55,000
3 bd / 1 ba · 1,160 sqft
Latest sale: $55,000 on Jun 27, 2025
Latest rent: $1,035 on May 15, 2025
Photo unavailable

341 Cypress Ave

sold · 0.09 mi
Price: $107,000
4 bd / 1 ba · 1,512 sqft
Latest sale: $107,000 on Jun 30, 2021
Latest rent: $1,125 on Jul 31, 2024
Photo unavailable

324 Railroad Ave

sold · 0.11 mi
Price: $30,000
3 bd / 1 ba · 1,096 sqft
Latest sale: $30,000 on Nov 12, 2025
Latest rent: $875 on Nov 18, 2024
Photo unavailable

354 Willow Ave

sold · 0.12 mi
Price: $17,000
2 bd / 1 ba · 892 sqft
Latest sale: $17,000 on May 22, 2018
Latest rent: $775 on Nov 14, 2024
Nearby house 5
Photo unavailable

334 Railroad Ave

sold · 0.15 mi
Price: $108,000
3 bd / 1 ba · 1,258 sqft
Latest sale: $108,000 on Oct 25, 2024
Latest rent: —

Risk and Criteria Detail

Red Flags

  • utility_fetch_failed

Assumptions

  • HVAC condenser shown is connected to an operative HVAC system; no recent evidence of HVAC failure was provided.
  • No stove or refrigerator were visible in listing photos; assume appliances are not provided unless seller/owner confirms.
  • Electrical panel, water heater, and smoke/CO detectors were not shown; assume standard but unverified condition and deduct points for unknowns.
  • No active roof leaks or interior water stains were visible in photos; assume roof is serviceable but aged and should be verified during inspection.
  • Bedrooms have egress-capable windows based on photos, but exact dimensions and emergency egress compliance were not measured.
  • Because the home was built in 1930, assume potential pre-1978 lead-paint risk; no peeling interior paint was visible in photos, so no active lead-hazard was inferred.
  • No evidence of severe mold, pest infestation, collapsed ceilings, or foundation movement was visible; assume none present but recommend on-site verification.
  • Deck and walkway conditions are based on photo angles; on-site inspection may reveal additional deterioration not visible in images.

Tax and Sale History

Property Tax History

YearTaxMarket TotalAssessment Total
2024 $748 $74,300 $14,000
2023 $748 $65,500 $13,100
2022 $735 $64,400 $12,880
2021 $389 $34,100 $6,820
2019 $389 $34,100 $6,820
2018 $333 $29,200 $5,840
2017 $333 $29,200 $5,840
2016 $333 $29,200 $5,840
2015 $333 $29,200 $5,840
2013 $322 $26,900 $5,380
2012 $322 $26,850 $5,370
2011 $116 $27,300 $2,730
2010 $116 $27,300 $2,730
2009 $326 $27,300 $5,460

Sale History

DateEventPrice
2019-09-26 Sold $94,500
2019-06-11 Sold $67,000
2009-10-06 Sold $17,000

Rental History

DateEventPriceSource
2025-06-30 Listed for rent $1,025
2024-02-14 Listed for rent $1,050
2023-01-21 Listed for rent $845
2022-10-14 Listed for rent $1,010
2019-11-28 Listed for rent $825

Photo Gallery

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                          "description": "Atlas Rental Property offers a deposit replacement option, saving you hundreds\n(or even thousands!) compared to properties with traditional security deposits. Reach out to your leasing agent to find out how to save on move-in costs and skip the hassle of paying a cash deposit!\n\nWelcome to 324 Railroad Ave in Adamsville, AL! This charming 2-bedroom, 1-bathroom house is perfect for those looking for a cozy and inviting space to call home. The house features washer/dryer connections, air conditioning, mudroom, and a fully fenced yard, making it pet-friendly for your furry friends. The spacious kitchen boasts granite counters, perfect for preparing meals and entertaining guests. The beautiful front yard and large yard provide plenty of outdoor space to enjoy. Inside, you'll find a huge living room with a rustic feel and a cosmetic fireplace, adding to the charm of the home. With a laundry area and storage space, this house has everything you need for comfortable living. Don't miss out on the opportunity to make 324 Railroad Ave your new home!\n\n*Does NOT include appliances*\n\nAll Atlas Rental Property residents are enrolled in the Facility Protection Plan for $15/month. The Facility Protection fee (or \"Facility Fee\") is used to help protect the property against certain damages and loss potentially caused by residents and satisfies the lease requirement to carry tenant liability insurance. This fee is NOT included in the listed rental rate and will be added to the rent each month.\n\nDON'T FALL FOR A RENTAL SCAM! Atlas Rental Property manages and advertises this home. We only accept deposits through money orders or cashier's checks made out to Atlas Rental Property, LLC. We require the funds to be delivered to our office. We will never ask you to wire money, pay with gift cards/Walmart pay, accept cash or use any online pay application services (PayPal, Venmo, etc.). We will never meet you at the property to hand you the keys, sign a lease or receive money. DO NOT send or give money to anyone claiming to be the owner of the property and again, an Atlas Rental Property agent will never ask you to pay in cash, gift cards, online apps, etc. If you are concerned or feel you're being scammed, please contact the ATLAS RENTAL PROPERTY office for verification.\n\nBeautiful Front Yard\nCosmetic Fireplace\nFully Fenced Yard\nHuge Kitchen With Granite Counters\nHuge Living Room With Rustic Feel\nLarge Yard\nLaundry Area\nPet Friendly\nSpacious\nStorage Area\nWasher/Dryer Connections",
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            "year": 2016,
            "market": {
              "land": 6900,
              "total": 29200,
              "building": 22300
            },
            "assessment": {
              "land": null,
              "total": 5840,
              "building": null
            }
          },
          {
            "tax": 333,
            "year": 2015,
            "market": {
              "land": 6900,
              "total": 29200,
              "building": 22300
            },
            "assessment": {
              "land": null,
              "total": 5840,
              "building": null
            }
          },
          {
            "tax": 322,
            "year": 2013,
            "market": {
              "land": 6900,
              "total": 26900,
              "building": 20000
            },
            "assessment": {
              "land": null,
              "total": 5380,
              "building": null
            }
          },
          {
            "tax": 322,
            "year": 2012,
            "market": {
              "land": 6850,
              "total": 26850,
              "building": 20000
            },
            "assessment": {
              "land": 1370,
              "total": 5370,
              "building": 4000
            }
          },
          {
            "tax": 116,
            "year": 2011,
            "market": {
              "land": 6900,
              "total": 27300,
              "building": 20400
            },
            "assessment": {
              "land": 690,
              "total": 2730,
              "building": 2040
            }
          },
          {
            "tax": 116,
            "year": 2010,
            "market": {
              "land": 6900,
              "total": 27300,
              "building": 20400
            },
            "assessment": {
              "land": 690,
              "total": 2730,
              "building": 2040
            }
          },
          {
            "tax": 326,
            "year": 2009,
            "market": {
              "land": 6900,
              "total": 27300,
              "building": 20400
            },
            "assessment": {
              "land": 1380,
              "total": 5460,
              "building": 4080
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          }
        ],
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              "list_price": 850,
              "listing_id": "2810025931",
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              "last_status_change_date": "2020-09-22T02:52:42Z"
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              "list_date": "2020-02-18T03:20:56Z",
              "list_price": 94500,
              "listing_id": "2789462380",
              "last_update_date": "2019-11-09T08:45:51Z",
              "last_status_change_date": "2020-02-18T03:20:56Z"
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            "price_change_percentage": "+168.00%"
          },
          {
            "date": "2011-11-28",
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              "list_date": "2010-11-09T07:00:00Z",
              "list_price": 22000,
              "listing_id": "523718751",
              "last_update_date": "2011-11-29T03:41:23Z",
              "last_status_change_date": "2011-11-28T07:00:00Z"
            },
            "event_name": "Listing removed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": "384 days",
            "source_listing_id": "483154",
            "price_change_percentage": null
          },
          {
            "date": "2011-03-13",
            "price": 22000,
            "listing": {
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              "list_date": "2010-11-09T07:00:00Z",
              "list_price": 22000,
              "listing_id": "523718751",
              "last_update_date": "2011-11-29T03:41:23Z",
              "last_status_change_date": "2011-11-28T07:00:00Z"
            },
            "event_name": "Price Changed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": -3000,
            "days_after_listed": null,
            "source_listing_id": "483154",
            "price_change_percentage": null
          },
          {
            "date": "2010-11-09",
            "price": 25000,
            "listing": {
              "status": "off_market",
              "list_date": "2010-11-09T07:00:00Z",
              "list_price": 22000,
              "listing_id": "523718751",
              "last_update_date": "2011-11-29T03:41:23Z",
              "last_status_change_date": "2011-11-28T07:00:00Z"
            },
            "event_name": "Listed",
            "price_sqft": null,
            "source_name": "GreaterAlabamaMLS",
            "price_change": 0,
            "days_after_listed": null,
            "source_listing_id": "483154",
            "price_change_percentage": null
          }
        ],
        "building_permits_history": null
      }
    },
    "rmn_listing_attribution": false
  },
  "property_id": "8869052288",
  "generated_at": "2026-02-16T01:39:16.981135Z",
  "initial_filter": {
    "passes": true,
    "reason": "disabled",
    "enabled": false
  },
  "processing_status": {
    "error": "OpenRouter returned empty content.",
    "reason": "utility_fetch_failed",
    "eligible": true,
    "min_score": 60.0,
    "overall_score": 70.8
  },
  "section8_assessment": {
    "runs": [
      {
        "summary": "This 3BR/2BA bungalow appears generally move-in ready with mostly cosmetic and maintenance issues. Interiors are updated (paint, floors, tile/kitchen) and a condenser unit is present, indicating HVAC. Primary deficiencies from photo review are a weathered front deck, cracked/uneven exterior walkways (trip hazards), possible missing kitchen appliances (no stove/fridge shown), and lack of visible smoke/CO detectors or GFCI outlets in photos. No major structural or life-safety failures are visible. Based on NSPIRE priorities, the home is likely to pass a voucher inspection after completing a short punch-list (install/verify smoke & CO detectors, ensure GFCIs where required, install missing appliances or confirm working hookups, repair/secure deck and walkways). Estimated time-to-rent readiness: minor repairs within 1-4 weeks; allow additional time for confirmation of electrical panel, hot water and HVAC operational tests if required by the inspector.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 78.0,
            "rationale": "Interior appears recently painted and updated: tile in kitchen, refinished hardwood floors and intact cabinets. Kitchen shows range hood and space for appliances but no stove or refrigerator were visible in photos (missing appliances reduce score moderately). Exterior finishes show weathering on the front deck (worn boards, staining) and some peeling/age on siding trim. Walkway and brick path are cracked and uneven but repairable. Overall visible issues are cosmetic and maintenance items (deck boards, walkway, repaint trim, install appliances), not major structural failures."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE focus)",
            "score": 70.0,
            "rationale": "No obvious life-threatening hazards visible: ceilings intact, no collapsed areas, no standing water, no visible exposed wiring. Bedrooms show windows that appear to provide egress. Exterior handrails/guardrails exist on the front deck but the deck looks weathered and may have loose boards or low railing height (trip/fall risk until checked). Walkway is cracked and uneven (trip hazard). No clear evidence of smoke/CO detectors or GFCI-protected outlets in photos (detectors and GFCI required by NSPIRE where applicable) and deadbolt presence on entry door is not confirmed. Because a few required safety items are not visible, and there are a couple of trip/handrail concerns, this is a moderate safety risk but not an immediate fail based on photos alone."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, electrical, plumbing, roof)",
            "score": 75.0,
            "rationale": "An exterior condenser is visible at the side of the house, indicating HVAC presence (likely central or heat pump). Kitchen plumbing/sink looks serviceable. Roof is not obviously collapsed or heavily damaged from the available angles; siding and foundation appear intact. Electrical panel and water heater were not shown so condition is assumed typical—no visible exposed wiring in interior photos. Given the visible HVAC unit and intact roof/foundation, major systems likely functional but unconfirmed; conservative deduction applied for unknowns (panel, water heater, hot water)."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 70.0,
            "rationale": "Exterior siding and foundation appear generally intact with no obvious major foundation displacement or sagging. Mature trees are close to the structure which could create future roof/leaf/debris issues and potential root/drainage concerns. Yard and walkways are littered with leaves and the concrete/brick walkways are cracked and uneven. The front deck is weathered and needs attention. No visible pest/infestation signs in photos. Overall site needs cleanup and minor repairs but shows no visible structural collapse."
          },
          {
            "key": "rental_history_activity",
            "label": "Rental History (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [],
        "confidence": 0.72,
        "assumptions": [
          "HVAC condenser shown is connected to an operative HVAC system; no recent evidence of HVAC failure was provided.",
          "No stove or refrigerator were visible in listing photos; assume appliances are not provided unless seller/owner confirms.",
          "Electrical panel, water heater, and smoke/CO detectors were not shown; assume standard but unverified condition and deduct points for unknowns.",
          "No active roof leaks or interior water stains were visible in photos; assume roof is serviceable but aged and should be verified during inspection.",
          "Bedrooms have egress-capable windows based on photos, but exact dimensions and emergency egress compliance were not measured.",
          "Because the home was built in 1930, assume potential pre-1978 lead-paint risk; no peeling interior paint was visible in photos, so no active lead-hazard was inferred.",
          "No evidence of severe mold, pest infestation, collapsed ceilings, or foundation movement was visible; assume none present but recommend on-site verification.",
          "Deck and walkway conditions are based on photo angles; on-site inspection may reveal additional deterioration not visible in images."
        ],
        "overall_score": 74.0,
        "rubric_version": "2026-02-NSPIRE-v1"
      },
      {
        "summary": "Overall this 3BR/2BA 1930 house appears largely move-in ready with cosmetic updates inside and functioning HVAC (condenser visible). The most likely Section 8/NSPIRE inspection risks are exterior maintenance (porch, cracked walkway), verification items (operational smoke/CO detectors, GFCI outlets, deadbolt on entry), and items not shown (electrical panel, water heater). With small repairs (secure/paint porch railings, fix walkway, install/verify CO detector and GFCIs, provide appliances if required) this property is likely to pass an initial HCV inspection within 30 days.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior shows recent cosmetic updates (fresh paint, new-looking tile in kitchen, refinished hardwoods). Kitchen cabinets and counters are in good visual condition. Missing major appliances are likely (no stove or fridge visible) which is an easy-to-fix rental readiness item. Exterior deck/porch shows weathering and will need sanding/paint and possibly fastening of some boards; front walk is cracked and uneven (trip-hazard). Overall minor to moderate cosmetic and finish repairs only."
          },
          {
            "key": "safety_code",
            "label": "Safety / Code Risk (NSPIRE-related)",
            "score": 70.0,
            "rationale": "A ceiling-mounted alarm device is visible (likely a smoke detector) which reduces immediate smoke-detector risk. No carbon-monoxide detector is visible in photos. Porch has guardrails present but their condition is weathered and may need reinforcement to meet strength requirements. Front walkway is significantly cracked (trip hazard). No exposed wiring or obvious active leak/mold/ceiling collapse seen in photos. GFCI protection in kitchen/bathrooms not visible in images. Bedroom windows present (egress likely) but window sizes and compliance cannot be fully confirmed. Deadbolt presence on exterior door is not clearly visible."
          },
          {
            "key": "systems_mechanical",
            "label": "Systems & Mechanical Condition",
            "score": 70.0,
            "rationale": "An outdoor condenser unit is visible which indicates central HVAC is present (likely operable but untested). No water heater, electrical panel, or furnace are shown, so their condition is unknown. Roof appears intact from available angles with no obvious sag or missing shingles, but large trees overhang the roof increasing long-term risk for debris and storm damage. Foundation appears to be raised/block and visually intact with no obvious severe cracks in provided photos. Plumbing fixtures (kitchen sink) present."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site",
            "score": 65.0,
            "rationale": "Siding and trim appear weathered but intact; the lot has heavy tree cover with large trees immediately adjacent to the house which increases risk for roof/roof drainage issues and falling limbs. Yard has leaf/organic buildup and some uneven brick/concrete paving creating trip hazards. Crawlspace access and perimeter drainage not visible; side yard slopes and leaf buildup could contribute to drainage concerns if not addressed. Overall site needs basic cleanup and modest exterior maintenance."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental History (5y)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Cracked/uneven front walkway — trip hazard and possible inspector citation.",
          "Large trees directly overhanging the roof — increased risk of roof damage and debris; recommend inspection of roof and gutters.",
          "Exterior porch/railings are weathered and may require fastening/repair to meet strength and guardrail code requirements.",
          "No carbon-monoxide detector visible in photos; CO alarms may be required depending on fuel appliances and local code.",
          "GFCI protection in kitchen/bathrooms not visible — likely required and must be verified/installed if missing."
        ],
        "confidence": 0.68,
        "assumptions": [
          "The visible round ceiling device is a working smoke detector; if non-functional it must be replaced.",
          "An outdoor AC condenser indicates a central HVAC system is installed and likely operational, but no heating/furnace or water heater was pictured and their condition is assumed serviceable until inspected.",
          "Stove and refrigerator are not present in the photos and should be considered missing appliances for tenant move-in unless provided; missing appliances are treated as moderate, fixable items.",
          "Bedroom windows provide required egress (size not measured); assumed compliant unless inspection measurements fail.",
          "Electrical panel, GFCI protection, hot water availability and plumbing condition are not visible and are assumed typical for a recently-updated rental but must be verified during inspection.",
          "Because the house was built in 1930, lead-based paint is a potential risk unless documented remediation or full repainting has been completed."
        ],
        "overall_score": 76.0,
        "rubric_version": "2026-02-16_v1"
      },
      {
        "summary": "Overall this 3BR/2BA 1930 single‑family appears cosmetically updated inside and has functioning major systems visible (exterior HVAC). Primary remaining items for a confident initial HCV/NSPIRE pass: verify and install smoke alarms (in each sleeping area and common area), verify/install GFCI protection at kitchen/bath, confirm/restore any missing appliances (stove/refrigerator), repair/secure front deck and fix uneven walkways, and evaluate/mitigate lead‑paint risk due to 1930 construction. With those actions completed the property is likely rent-ready within 30 days and should pass an initial Housing Choice Voucher inspection.",
        "criteria": [
          {
            "key": "condition_repairs",
            "label": "Condition & Repairs",
            "score": 75.0,
            "rationale": "Interior photos show recently refreshed finishes: painted walls, refinished hardwoods, new-looking kitchen counters and tile floors — overall cosmetically updated. Visible deferred items are exterior deck surface and railings (weathered, peeling paint) and uneven/ cracked walkways. No catastrophic interior damage visible. Listing/ photos do not show major appliances (stove/refrigerator) in place — missing appliances reduce readiness but are an easy-to-fix capital expense rather than an immediate safety failure."
          },
          {
            "key": "safety_code",
            "label": "Safety & Code Risk (NSPIRE)",
            "score": 60.0,
            "rationale": "No obvious life‑threatening hazards in photos (no collapsed ceilings, no standing water, no visible exposed live wiring). A round alarm device is visible high on an interior wall (possible smoke alarm), but there is insufficient photographic evidence of required smoke alarms in all sleeping areas and on each level. Kitchen GFCI presence cannot be confirmed (outlets near sink appear older), which is a common NSPIRE checklist item. The home was built in 1930 — potential lead-based paint risk for both interior and exterior painted surfaces (pre‑1978). Exterior walkways and brick paving are uneven, representing a trip hazard that inspectors may flag. Entry door appears secure with a lock; deadbolt not clearly verified. Overall moderate compliance risk until detectors, GFCI and lead/peeling paint are confirmed/ mitigated and walkway/deck hazards repaired."
          },
          {
            "key": "systems_mechanical",
            "label": "Major Systems (HVAC, electrical, plumbing, roof)",
            "score": 70.0,
            "rationale": "An exterior HVAC condenser is visible at the side of the house indicating a central cooling/heating system is present. Kitchen plumbing fixtures (double sink) appear properly installed. No active plumbing leaks or ceiling stains are visible. Roof appears intact in photos with no visible sagging or active leaks. Electrical service/panel not shown and cannot be confirmed, but no exposed wiring is observed. Water heater and age/condition of major systems are not visible — assumed functional but unconfirmed. Given visible HVAC equipment and generally good interior condition, systems risk is moderate but would require routine functional verification."
          },
          {
            "key": "exterior_site",
            "label": "Exterior & Site Condition",
            "score": 60.0,
            "rationale": "Siding and foundation appear intact with no evident major settlement. Large mature trees sit very close to the house which increases risk of root/foundation issues and future storm damage; considerable leaf/debris accumulation is present. Front deck and railings are weathered and need maintenance (paint/possible wood repair). Walkways/paver areas are cracked and uneven (trip hazard). Yard slopes and drainage patterns are not fully visible; no standing water was seen but close vegetation and leaf build-up suggest maintenance is needed. Overall moderate exterior repair and safety items to address."
          },
          {
            "key": "rental_history_activity",
            "label": "Recent Rental Activity (last 5 years)",
            "score": 100.0,
            "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
          }
        ],
        "red_flags": [
          "Pre-1978 construction (1930) — potential lead-based paint hazard that requires assessment and may generate NSPIRE issues if peeling paint or hazards exist.",
          "Uneven/cracked front concrete path and brick paving — trip hazard likely to be cited.",
          "Weathered front deck surfaces and railings needing repair/securement.",
          "Large trees immediately adjacent to structure — risk of root/foundation impact and storm damage; debris accumulation can affect drainage and roofing."
        ],
        "confidence": 0.7,
        "assumptions": [
          "Interior finishes and kitchen plumbing are operational as shown; water heater and major plumbing supply are present and functional though not visible in photos.",
          "HVAC is functional because an exterior condenser is present; no evidence of lack of heating was observed.",
          "Electrical service is present and intact; no exposed wiring visible but panel condition unknown.",
          "Smoke alarm visible in at least one location but smoke alarms/CO alarms are not confirmed in required locations (assume additional units may be needed).",
          "Kitchen appliances (stove, refrigerator) are not present in photos — assumed missing and counted as moderate readiness issue, not an automatic fail.",
          "Exterior paint may be original or older (house built in 1930) — assume lead‑based paint hazard potential and that a lead assessment/mitigation will be required for families with young children.",
          "No evidence of major structural, roof, or foundation failure in provided photos; assume condition is fair but recommend a physical inspection for confirmation."
        ],
        "overall_score": 73.0,
        "rubric_version": "ns17-2026-01"
      }
    ],
    "model": "gpt-5-mini-2025-08-07",
    "errors": [],
    "address": "308 Cedar Cir, Adamsville, AL, 35005",
    "aggregate": {
      "summary": "This 3BR/2BA bungalow appears generally move-in ready with mostly cosmetic and maintenance issues. Interiors are updated (paint, floors, tile/kitchen) and a condenser unit is present, indicating HVAC. Primary deficiencies from photo review are a weathered front deck, cracked/uneven exterior walkways (trip hazards), possible missing kitchen appliances (no stove/fridge shown), and lack of visible smoke/CO detectors or GFCI outlets in photos. No major structural or life-safety failures are visible. Based on NSPIRE priorities, the home is likely to pass a voucher inspection after completing a short punch-list (install/verify smoke & CO detectors, ensure GFCIs where required, install missing appliances or confirm working hookups, repair/secure deck and walkways). Estimated time-to-rent readiness: minor repairs within 1-4 weeks; allow additional time for confirmation of electrical panel, hot water and HVAC operational tests if required by the inspector.",
      "criteria": [
        {
          "key": "condition_repairs",
          "label": "Condition & Repairs",
          "score": 76.0,
          "rationale": "Interior appears recently painted and updated: tile in kitchen, refinished hardwood floors and intact cabinets. Kitchen shows range hood and space for appliances but no stove or refrigerator were visible in photos (missing appliances reduce score moderately). Exterior finishes show weathering on the front deck (worn boards, staining) and some peeling/age on siding trim. Walkway and brick path are cracked and uneven but repairable. Overall visible issues are cosmetic and maintenance items (deck boards, walkway, repaint trim, install appliances), not major structural failures."
        },
        {
          "key": "exterior_site",
          "label": "Exterior & Site Condition",
          "score": 65.0,
          "rationale": "Exterior siding and foundation appear generally intact with no obvious major foundation displacement or sagging. Mature trees are close to the structure which could create future roof/leaf/debris issues and potential root/drainage concerns. Yard and walkways are littered with leaves and the concrete/brick walkways are cracked and uneven. The front deck is weathered and needs attention. No visible pest/infestation signs in photos. Overall site needs cleanup and minor repairs but shows no visible structural collapse."
        },
        {
          "key": "rental_history_activity",
          "label": "Rental History (last 5 years)",
          "score": 100.0,
          "rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
        },
        {
          "key": "safety_code",
          "label": "Safety & Code Risk (NSPIRE focus)",
          "score": 66.7,
          "rationale": "No obvious life-threatening hazards visible: ceilings intact, no collapsed areas, no standing water, no visible exposed wiring. Bedrooms show windows that appear to provide egress. Exterior handrails/guardrails exist on the front deck but the deck looks weathered and may have loose boards or low railing height (trip/fall risk until checked). Walkway is cracked and uneven (trip hazard). No clear evidence of smoke/CO detectors or GFCI-protected outlets in photos (detectors and GFCI required by NSPIRE where applicable) and deadbolt presence on entry door is not confirmed. Because a few required safety items are not visible, and there are a couple of trip/handrail concerns, this is a moderate safety risk but not an immediate fail based on photos alone."
        },
        {
          "key": "systems_mechanical",
          "label": "Major Systems (HVAC, electrical, plumbing, roof)",
          "score": 71.7,
          "rationale": "An exterior condenser is visible at the side of the house, indicating HVAC presence (likely central or heat pump). Kitchen plumbing/sink looks serviceable. Roof is not obviously collapsed or heavily damaged from the available angles; siding and foundation appear intact. Electrical panel and water heater were not shown so condition is assumed typical—no visible exposed wiring in interior photos. Given the visible HVAC unit and intact roof/foundation, major systems likely functional but unconfirmed; conservative deduction applied for unknowns (panel, water heater, hot water)."
        }
      ],
      "red_flags": [],
      "confidence": 0.94,
      "assumptions": [
        "HVAC condenser shown is connected to an operative HVAC system; no recent evidence of HVAC failure was provided.",
        "No stove or refrigerator were visible in listing photos; assume appliances are not provided unless seller/owner confirms.",
        "Electrical panel, water heater, and smoke/CO detectors were not shown; assume standard but unverified condition and deduct points for unknowns.",
        "No active roof leaks or interior water stains were visible in photos; assume roof is serviceable but aged and should be verified during inspection.",
        "Bedrooms have egress-capable windows based on photos, but exact dimensions and emergency egress compliance were not measured.",
        "Because the home was built in 1930, assume potential pre-1978 lead-paint risk; no peeling interior paint was visible in photos, so no active lead-hazard was inferred.",
        "No evidence of severe mold, pest infestation, collapsed ceilings, or foundation movement was visible; assume none present but recommend on-site verification.",
        "Deck and walkway conditions are based on photo angles; on-site inspection may reveal additional deterioration not visible in images."
      ],
      "score_method": "mean_of_criteria",
      "overall_score": 70.8,
      "rubric_version": "2026-02-NSPIRE-v1",
      "confidence_method": "derived_from_run_agreement"
    },
    "property_id": "8869052288"
  }
}

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