Property ID: 8871973553
211 Lakeshore Cir, Adamsville, AL, 35005
Adamsville, AL
Money Down: $21,576
CoC Return: 12.33%
Monthly Cash Flow: $222
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$17,980
Closing Costs
$3,596
Total Down
$21,576
Investment Snapshot
Purchase Price
$89,900
Money Down
$21,576
Cash-on-Cash Return
12.33%
Rent
$909
Monthly Cash Flow
$222
Annual Cash Flow
$2,661
Debt Service / Mo
$478
Property Tax / Mo
$62
Insurance / Mo
$56
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$909
Payment Standard
$1,265
Rent
$909
Insurance
$56
Property Tax
$62
Management
$91
Utilities Allowance
$356
NOI (Monthly)
$700
Debt Service
$478
Cash Flow After Debt
$222
Quality Score: 72.60%
Confidence: 76.00%
Overall the property presents as mostly turnkey with exterior evidence of recent upkeep, a good metal roof, intact siding, functioning exterior HVAC condenser, usable driveway and yard. The most likely NSPIRE inspection risks are unverified interior items (smoke/CO detectors, GFCI protection, hot water, plumbing), possible inadequate basement egress, and some uneven steps/handrails/trip hazards on exterior walkways. These are largely repairable within a short timeline. With verification of interior safety devices and minor exterior repairs (secure railings, clear vegetation, address trip hazards) this property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection and be ready to rent within 1–2 weeks.
Section 8 Payment Standard
$1,265
Utility Allowance Total
$356
Guaranteed Section 8 Rent (PS - Utilities)
$909
Property Management
$91
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$89,900
Beds
2
Baths
1
Living Area
1,037 sqft
Lot Size
8,276 sqft
Year Built
1925
Days on Market
97
Capital Outlay
$21,576
Debt Service
$478
Property Tax / Mo
$62
Insurance / Mo
$56
Property Description
Welcome to this charming 2 bedroom, 1 bathroom home located in Adamsville, AL. This cozy house features modern paint, hardwood floors, and updated fixtures throughout. The kitchen boasts granite countertops, a pantry, lots of cabinets, and a laundry area with washer/dryer connections. In addition to the spacious bedrooms, there is a bonus room that can be used as an office or additional living space. The property includes a large yard, perfect for outdoor activities, and a driveway for convenient parking!
Utility Allowances
Heating
$76
Selected 'Elec Heat: Ala Power' as the property has central heating, an electric water heater, and is in an area primarily served by Alabama Power, suggesting an all-electric setup.
Cooling
$18
Selected 'A/C: Alabama Power' as the property has central air conditioning, which is electric. Alabama Power is the most likely provider.
Cooking
$17
Selected 'Elec: Ala Power' because cooking fuel was not specified, but an electric range is assumed for consistency with the electric heating and water heater.
Water Heating
$46
Selected 'Elec: Ala Power' as the property details explicitly state 'Electric Water Heater'.
Other Electric
$56
Selected 'Lights, Ref, Etc.: Ala Power' for general lighting and small appliance usage. This schedule item name includes an allowance for a refrigerator.
Water
$109
Selected 'Water: Mulga' as the property details mention 'Public Water' and list the area as 'Mulga', matching a specific option in the schedule.
Sewer
$0
Allowance is $0 as the property details explicitly state it uses a 'Septic Tank', not public sewer.
Trash Collection
$20
Selected 'Mulga ISCL' as the property is located in the Mulga area, directly matching a provider option in the schedule.
Refrigerator
$8
Allowance for a tenant-owned refrigerator, as one is not mentioned as being provided with the property.
Range/Microwave
$6
Allowance for a tenant-owned microwave, as one is not mentioned as being provided with the property.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$537
DP3 Annual Estimate$806
DP1 Monthly Equivalent$45
DP3 Monthly Equivalent$67
Replacement Value$58,100
Basis1,037 sqft / 1925
Nearby Houses
Photo unavailable
212 Pine Ave
sold · 0.05 mi
Price: $22,836
3 bd / 1 ba · 1,215 sqft
Latest sale: $22,836 on Sep 26, 2018
Latest rent: —
Photo unavailable
230 School Rd
sold · 0.11 mi
Price: $39,000
1 bd / 1 ba · 893 sqft
Latest sale: $39,000 on Oct 03, 2025
Latest rent: —
Photo unavailable
300 School Rd
sold · 0.13 mi
Price: $85,500
2 bd / 1 ba · 774 sqft
Latest sale: $85,500 on Sep 25, 2020
Latest rent: $800 on Aug 25, 2020
Photo unavailable
241 Lakeshore Cir
sold · 0.14 mi
Price: $38,000
3 bd / 2 ba
Latest sale: $38,000 on Jun 10, 2016
Latest rent: —
Photo unavailable
439 Lakeshore Cir
off_market · 0.22 mi
Price: $19,500
2 bd / 1 ba · 1,023 sqft
Latest sale: —
Latest rent: —
Photo unavailable
316 School Rd
sold · 0.22 mi
Price: $89,500
4 bd / 1 ba · 1,516 sqft
Latest sale: $89,500 on Oct 27, 2025
Latest rent: $1,389 on Feb 04, 2026
Photo unavailable
323 Pine Ave
off_market · 0.23 mi
Price: $27,100
2 bd / 1 ba · 1,198 sqft
Latest sale: $5,600 on Mar 10, 2014
Latest rent: —
Photo unavailable
329 Pine Ave
sold · 0.23 mi
Price: $107,000
3 bd / 1 ba · 1,670 sqft
Latest sale: $107,000 on Nov 10, 2023
Latest rent: —
Photo unavailable
325 Cypress Ave
sold · 0.24 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
308 Cedar Cir
for_sale · 0.25 mi
Price: $100,500
3 bd / 2 ba · 904 sqft
Latest sale: $94,500 on Sep 26, 2019
Latest rent: $1,025 on Jun 30, 2025
Photo unavailable
324 Railroad Ave
sold · 0.25 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
431 Lakeshore Cir
sold · 0.25 mi
Price: $60,800
3 bd / 1 ba · 1,318 sqft
Latest sale: $60,800 on Dec 02, 2025
Latest rent: —
Photo unavailable
341 Cypress Ave
sold · 0.32 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
Risk and Criteria Detail
Red Flags
- success
- Basement window openings may not meet required egress dimensions for bedrooms — verify interior egress and sleeping room locations.
- Partial or missing handrails and multiple uneven concrete steps/walkways present — trip/fall risk and potential NSPIRE citation if not corrected.
- Vegetation and brush close to foundation increase moisture and pest/termite risk — recommend clearing and treatment.
- Interior life‑safety items (smoke detectors, CO alarms, GFCI outlets) and hot water are not verifiable from photos and are common NSPIRE failure points — must be confirmed before inspection.
Assumptions
- Interior has been updated as stated in listing (paint, hardwood floors, granite counters); photos provided are exterior-only so interior condition is assumed consistent with listing text.
- Kitchen appliances and washer/dryer hookups described in listing are present or easily provided; missing appliances would be an easy-to-fix capital expense rather than a structural failure.
- HVAC is a central system and operational (supported by visible exterior condenser unit); however full functionality has not been verified.
- Water heater and internal plumbing are present and functional; no active leaks are visible from exterior.
- Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be present but must be confirmed prior to inspection.
- Electrical panel condition and GFCI presence are not visible; assume standard updates may be required.
- Basement foundation is assumed stable (no visible large cracks or movement) but internal basement/moisture conditions are unverified.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $721 | $63,200 | $12,640 |
| 2023 | $721 | $63,200 | $12,640 |
| 2022 | $573 | $50,200 | $10,040 |
| 2021 | $573 | $50,200 | $10,040 |
| 2020 | $573 | $50,200 | $10,040 |
| 2019 | $573 | $50,200 | $10,040 |
| 2018 | $186 | $41,900 | $4,200 |
| 2017 | $186 | $41,900 | $4,200 |
| 2016 | $186 | $41,900 | $4,200 |
| 2015 | $186 | $41,900 | $4,200 |
| 2013 | $485 | $41,200 | $4,120 |
| 2012 | $187 | $41,230 | $4,123 |
| 2011 | $191 | $41,900 | $4,190 |
| 2010 | $191 | $41,900 | $4,190 |
| 2009 | $191 | $41,900 | $4,190 |
| 2008 | $196 | $42,900 | $4,290 |
| 2007 | $496 | $42,200 | $8,440 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2020-09-28 | Sold | $86,000 |
| 2020-03-10 | Sold | $22,000 |
| 2018-06-26 | Sold | $16,565 |
| 2013-03-05 | Sold | $12,972 |
| 2012-06-13 | Sold | $35,687 |
| 2006-12-07 | Sold | $42,500 |
Rental History
| Date | Event | Price | Source |
|---|---|---|---|
| 2025-08-21 | Listed for rent | $900 | — |
| 2024-05-29 | Listed for rent | $925 | — |
| 2022-08-17 | Listed for rent | $835 | — |
| 2020-06-05 | Listed for rent | $825 | — |
Photo Gallery
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{
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{
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{
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{
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{
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{
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{
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{
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{
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},
{
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},
{
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},
{
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},
{
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},
{
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{
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{
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{
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{
"date": "2021-01-26",
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{
"date": "2020-09-28",
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{
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{
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{
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{
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{
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{
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{
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],
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},
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},
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},
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"bedroom_count": 2,
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],
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},
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{
"note": "Selected 'Elec Heat: Ala Power' as the property has central heating, an electric water heater, and is in an area primarily served by Alabama Power, suggesting an all-electric setup.",
"utility": "Heating",
"allowance": 76
},
{
"note": "Selected 'A/C: Alabama Power' as the property has central air conditioning, which is electric. Alabama Power is the most likely provider.",
"utility": "Cooling",
"allowance": 18
},
{
"note": "Selected 'Elec: Ala Power' because cooking fuel was not specified, but an electric range is assumed for consistency with the electric heating and water heater.",
"utility": "Cooking",
"allowance": 17
},
{
"note": "Selected 'Elec: Ala Power' as the property details explicitly state 'Electric Water Heater'.",
"utility": "Water Heating",
"allowance": 46
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for general lighting and small appliance usage. This schedule item name includes an allowance for a refrigerator.",
"utility": "Other Electric",
"allowance": 56
},
{
"note": "Selected 'Water: Mulga' as the property details mention 'Public Water' and list the area as 'Mulga', matching a specific option in the schedule.",
"utility": "Water",
"allowance": 109
},
{
"note": "Allowance is $0 as the property details explicitly state it uses a 'Septic Tank', not public sewer.",
"utility": "Sewer",
"allowance": 0
},
{
"note": "Selected 'Mulga ISCL' as the property is located in the Mulga area, directly matching a provider option in the schedule.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Allowance for a tenant-owned refrigerator, as one is not mentioned as being provided with the property.",
"utility": "Refrigerator",
"allowance": 8
},
{
"note": "Allowance for a tenant-owned microwave, as one is not mentioned as being provided with the property.",
"utility": "Range/Microwave",
"allowance": 6
}
],
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"effective_date": "2026-01-01"
},
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"property_management_monthly": 90.9,
"monthly_cash_flow_after_debt": 221.77,
"cash_on_cash_return_after_debt": 0.15
},
"section8_assessment": {
"runs": [
{
"summary": "Overall the property presents as mostly turnkey with exterior evidence of recent upkeep, a good metal roof, intact siding, functioning exterior HVAC condenser, usable driveway and yard. The most likely NSPIRE inspection risks are unverified interior items (smoke/CO detectors, GFCI protection, hot water, plumbing), possible inadequate basement egress, and some uneven steps/handrails/trip hazards on exterior walkways. These are largely repairable within a short timeline. With verification of interior safety devices and minor exterior repairs (secure railings, clear vegetation, address trip hazards) this property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection and be ready to rent within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 80.0,
"rationale": "Exterior photos show a recently painted exterior, intact vinyl siding, a metal roof in good visible condition, maintained landscaping and flower beds, and concrete walks/driveway that are serviceable. Minor deferred maintenance visible: weathering/staining on concrete, small cracked/uneven concrete edges, some peeling paint at eaves, and a few low/partial railings. Listing claims updated interior finishes (paint, hardwood, granite) and washer/dryer connections which reduces the impact of missing interior photos. Missing interior photos prevent direct verification of appliances and flooring, but the visible exterior condition indicates mostly cosmetic and minor repair needs rather than major rehabilitation."
},
{
"key": "safety_code",
"label": "Safety / Code Risks (NSPIRE)",
"score": 70.0,
"rationale": "No active life‑threatening hazards are visible (no collapsed ceilings, no standing water, no visible electrical splices). Exterior electrical meter and service drop look intact. Exterior lighting present at the entry. Notable inspection risks: basement egress windows appear small and may not meet egress dimensions for sleeping rooms (cannot confirm interior bedroom locations), some exterior steps/landings lack full-height handrails at all approaches (lower yard stairs have partial rail), and there are several uneven concrete walk surfaces that are trip hazards. Smoke and CO detectors, GFCI receptacles, plumbing hot water and interior plumbing condition are not verifiable from exterior photos — these are typical NSPIRE failure points and must be confirmed. No visible active roof leaks, collapsed structure, or exposed high-voltage wiring observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 75.0,
"rationale": "Visible metal roof appears in good condition with no sagging or visible leaks. Exterior central AC condenser is present at the basement level indicating a forced‑air HVAC system (likely providing heat and AC) — presence reduces risk of a heating system failure. Exterior electrical meter and conduit appear intact; internal panel not shown. Water heater and plumbing main are not visible in photos. Foundation is concrete block and appears intact with no obvious large cracks or movement visible externally. Given the house age (1925) but visibly updated exterior and presence of AC unit, systems are likely functional but should be verified (electric panel condition, hot water, furnace/AC functionality, plumbing leaks)."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 78.0,
"rationale": "Large, useable yard and long driveway are positives for rental desirability. Concrete patio and retaining walls are serviceable but show age/edge wear. Property slopes downhill to a wooded area which could create drainage toward the rear foundation — gutters are present and downspouts visible but final drainage performance unknown. Vegetation/brush is close to the foundation on the rear/sides which increases potential for moisture, pests or termite activity and should be cleared/treated. Fencing is partial/chain-link to one side. Overall the site is tidy and appears functional with some yard/site work recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Basement window openings may not meet required egress dimensions for bedrooms — verify interior egress and sleeping room locations.",
"Partial or missing handrails and multiple uneven concrete steps/walkways present — trip/fall risk and potential NSPIRE citation if not corrected.",
"Vegetation and brush close to foundation increase moisture and pest/termite risk — recommend clearing and treatment.",
"Interior life‑safety items (smoke detectors, CO alarms, GFCI outlets) and hot water are not verifiable from photos and are common NSPIRE failure points — must be confirmed before inspection."
],
"confidence": 0.7,
"assumptions": [
"Interior has been updated as stated in listing (paint, hardwood floors, granite counters); photos provided are exterior-only so interior condition is assumed consistent with listing text.",
"Kitchen appliances and washer/dryer hookups described in listing are present or easily provided; missing appliances would be an easy-to-fix capital expense rather than a structural failure.",
"HVAC is a central system and operational (supported by visible exterior condenser unit); however full functionality has not been verified.",
"Water heater and internal plumbing are present and functional; no active leaks are visible from exterior.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be present but must be confirmed prior to inspection.",
"Electrical panel condition and GFCI presence are not visible; assume standard updates may be required.",
"Basement foundation is assumed stable (no visible large cracks or movement) but internal basement/moisture conditions are unverified."
],
"overall_score": 81.0,
"rubric_version": "2026-02-NSPIRE-v1"
},
{
"summary": "Overall the property appears mostly turn-key from exterior photos with a sound metal roof, intact siding, functioning HVAC condenser, and a stable-looking block foundation. Main NSPIRE/inspection risks are exterior stair handrails/guardrails, verification/installation of smoke and CO detectors, and confirmation of bedroom egress and interior GFCI/electrical items. Most issues are fixable with minor to moderate repairs and documentation; likely to pass an initial HCV inspection within 2–6 weeks if handrails, detectors, and any missing interior mechanical items are addressed promptly. Rental history is recent which supports readiness.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a well-painted siding and a recently painted-looking front door and trim. Metal roof panels appear intact with no visible missing sections or sagging. Concrete drive, patio and steps show age, surface cracks and some broken/eroded edges that are cosmetic but will need patching. Landscaping is overgrown in places and will require basic clean-up. Listing indicates updated interior (paint, hardwood, fixtures) and kitchen upgrades; no interior photos provided to verify but listing reduces assumed interior rehab. Missing appliances were not photographed; listing notes washer/dryer hookups (appliances not counted as critical). Overall observable issues are minor-to-moderate, primarily cosmetic and small capital repairs."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 65.0,
"rationale": "Visible safety concerns: multiple exterior stair runs (driveway to entry and down to lower yard) lack continuous handrails; one short railing is present but several stairs exceed three risers without a secure handrail which is an NSPIRE failable condition. Elevated concrete patio/planter edges have low walls but limited guardrail protection for significant drop-offs. No smoke or CO detectors are visible in exterior photos (interior not shown) so presence/placement cannot be confirmed — this is a common fail point and must be verified/installed. Electrical service meter and conduit appear intact from photos, with no obvious exposed live wiring. No visible active roof leaks, standing water, collapsed ceilings, severe mold, or foundation cracks were observed. Bedroom egress windows cannot be confirmed from exterior photos and represent a potential inspection risk. Overall safety profile is acceptable but several likely fail items (handrails, detectors, egress verification) must be corrected."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical",
"score": 72.0,
"rationale": "Exterior shows an outdoor HVAC condenser on a pad (indicates cooling system present). Metal roof appears structurally sound and gutters are installed, lowering immediate roof risk. Foundation is a painted masonry block with no obvious large cracks or displacement in photos. Electrical meter is present and appears serviceable. Water heater, plumbing fixtures and main electrical panel are not visible in provided images; listing indicates modern updates inside which suggests interior mechanicals may have been serviced but cannot be confirmed. Given visible HVAC and intact roof/foundation, systems appear functional but unverified items (water heater, panel, GFCIs) require in-person check."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 70.0,
"rationale": "Large, sloped yard with mature trees and shrubs. Site has concrete drive and parking pad in decent shape but with surface staining and minor cracking. Retaining walls and tiered steps are present; some concrete edges are eroded. Vegetation close to the structure and large overhanging trees could contribute to debris collection in gutters and potential limb-fall risk; no evidence of active erosion or standing water in photos but rear slope drains toward wooded area which should be inspected for drainage performance. Fencing on one side is chainlink and intact. Overall the site is functional but needs yard cleanup, minor concrete repairs and routine tree maintenance."
},
{
"key": "rental_history_activity",
"label": "Rental History / Recent Activity (5y)",
"score": 100.0,
"rationale": "Rental history is present in the last 5 years; treating as a positive occupancy signal."
}
],
"red_flags": [
"Missing or insufficient handrails on multiple exterior stair runs (unsafe stairs)",
"Lack of visible smoke and carbon monoxide detectors (potential NSPIRE fail if not installed/functional)",
"Potential inadequate bedroom egress windows (egress not verifiable from photos)",
"Elevated concrete patio/planter edges and some stairs lack guardrails"
],
"confidence": 0.7,
"assumptions": [
"Interior condition is inferred from the listing text (updated paint, hardwood floors, modern fixtures) because no interior photos were provided.",
"An operational HVAC system exists (inferred from visible exterior condenser); no direct confirmation of heating type or water heater from photos.",
"Smoke and carbon monoxide detectors, GFCI protection, electrical panel condition, and plumbing/hot-water performance are unknown and assumed missing/unverified until inspected.",
"Bedroom egress window sizes and basement egress compliance are not visible and therefore treated as potential inspection risk.",
"Missing appliances (stove, refrigerator) inside are assumed not to be an immediate safety failure; listing indicates kitchen upgrades and laundry hookups but appliances are not confirmed in photos."
],
"overall_score": 71.0,
"rubric_version": "ns-pinspection-2026-v1"
},
{
"summary": "Overall the property appears structurally sound from exterior photos and listing text, with a recently painted foundation, intact metal roof and functioning exterior HVAC condenser observed. Primary inspection risks for an initial HCV/NSPIRE inspection are life-safety items that cannot be confirmed from photos — especially smoke/CO detectors and continuity/height of handrails and guardrails at raised edges. Site drainage and vegetation management around the foundation should be checked. With relatively minor repairs (install/verify detectors, add/repair handrails and any guardrails, secure exterior wiring, verify appliances and systems), the home is likely able to pass an initial HCV inspection within 30 days. Recommended immediate actions before inspection: verify/install smoke & CO alarms, secure/repair stairs/guardrails, test HVAC/plumbing/water heater, and ensure gutters/downspouts discharge away from foundation.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & repairs",
"score": 78.0,
"rationale": "Exterior photos show generally sound siding, a recently painted foundation, intact metal roof with no obvious sagging or large patches of missing material. Concrete walks and driveway are worn with surface moss/staining and some broken planter/block edges; exterior steps have small concrete repairs. Landscaping is overgrown in places but cosmetic. Listing mentions updated paint, hardwood floors and fixtures; interior not shown. Missing interior appliance visibility (stove/fridge) is unknown — assumed possibly absent or tenant-supplied; this reduces score moderately but does not indicate structural rehab. Overall mostly cosmetic and light repairs."
},
{
"key": "safety_code",
"label": "Safety & code compliance",
"score": 60.0,
"rationale": "Visible safety concerns: several exterior stair runs lack continuous, code-height handrails and there is a raised concrete patio/edge with a drop that may exceed 30 inches without a guardrail (potential NSPIRE fail). No interior photos so smoke/CO detector locations cannot be verified (no detectors visible from exteriors). Electrical meter and overhead service look typical but a loose/unsupported surface cable is visible on the siding that should be secured. No obvious active roof leaks, standing water, or collapsed elements observed. Because life-safety items (handrails/guardrails, smoke/CO detectors) are not verifiable and some exterior stairs likely non-compliant, safety risk is moderate."
},
{
"key": "systems_mechanical",
"label": "Major systems (roof, HVAC, plumbing, electrical)",
"score": 70.0,
"rationale": "Roof appears to be metal and in good visual condition with no missing panels or large depressions. An outdoor HVAC condenser is present at the basement level indicating central A/C; visible equipment appears intact but age/operational status unknown. Electric meter and service drop visible; panel not pictured but exterior wiring is intact. Water heater and furnace not shown; plumbing hookups for laundry are claimed in listing. No visible evidence of active leaks, extensive rust, or system failure, so systems likely functional but unverified — moderate score due to lack of interior/system verification."
},
{
"key": "exterior_site",
"label": "Exterior & site condition",
"score": 75.0,
"rationale": "Large, sloped lot with mature trees and a concrete driveway in place. Retaining/block walls and concrete terraces present; some locations show minor deterioration but no active collapse. Vegetation is dense at the rear which could create drainage or pest access issues if not managed. Gutters and downspouts are installed; extensions away from foundation not clearly visible and runoff may be directed near foundation in places. Access walkways are present but some have uneven steps. Overall site is functional with moderate maintenance needs."
},
{
"key": "rental_history_activity",
"label": "Recent 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": [
"Insufficient or missing handrails/guardrails on several exterior stairs and raised patio edges (potential NSPIRE fail).",
"No interior photos — no visible confirmation of smoke detectors and CO alarms (life-safety requirement not verifiable).",
"Downspouts/gutter discharge not clearly extended away from foundation; potential localized drainage toward foundation and basement.",
"Loose/unsupported exterior electrical cable on siding needs securing; visible wiring should be verified for code compliance."
],
"confidence": 0.65,
"assumptions": [
"Interior not photographed — assumptions made from listing text (updated paint, hardwood floors, fixtures, laundry hookups) and exterior condition.",
"Listing may not show kitchen appliances; assume stove/refrigerator may be missing or tenant-supplied unless verified. Missing appliances treated as moderate, fixable issue.",
"HVAC operational assumed because an exterior condenser is present; operational status not verified and should be tested prior to inspection.",
"Water heater and electrical panel exist and are serviceable though not pictured; no visible signs of active leaks or major electrical defects from exterior photos.",
"Windows shown on main level are assumed to provide required bedroom egress; exact egress measurements not verified and should be confirmed.",
"Raised patio/drop may exceed 30 inches in places and could require guardrail depending on local code/inspector interpretation; height uncertain from photos."
],
"overall_score": 71.0,
"rubric_version": "nsPIRE-v1.0-2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "211 Lakeshore Cir, Adamsville, AL, 35005",
"aggregate": {
"summary": "Overall the property presents as mostly turnkey with exterior evidence of recent upkeep, a good metal roof, intact siding, functioning exterior HVAC condenser, usable driveway and yard. The most likely NSPIRE inspection risks are unverified interior items (smoke/CO detectors, GFCI protection, hot water, plumbing), possible inadequate basement egress, and some uneven steps/handrails/trip hazards on exterior walkways. These are largely repairable within a short timeline. With verification of interior safety devices and minor exterior repairs (secure railings, clear vegetation, address trip hazards) this property is likely to pass an initial Housing Choice Voucher/NSPIRE inspection and be ready to rent within 1–2 weeks.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition / Repairs",
"score": 77.7,
"rationale": "Exterior photos show a recently painted exterior, intact vinyl siding, a metal roof in good visible condition, maintained landscaping and flower beds, and concrete walks/driveway that are serviceable. Minor deferred maintenance visible: weathering/staining on concrete, small cracked/uneven concrete edges, some peeling paint at eaves, and a few low/partial railings. Listing claims updated interior finishes (paint, hardwood, granite) and washer/dryer connections which reduces the impact of missing interior photos. Missing interior photos prevent direct verification of appliances and flooring, but the visible exterior condition indicates mostly cosmetic and minor repair needs rather than major rehabilitation."
},
{
"key": "exterior_site",
"label": "Exterior / Site",
"score": 74.3,
"rationale": "Large, useable yard and long driveway are positives for rental desirability. Concrete patio and retaining walls are serviceable but show age/edge wear. Property slopes downhill to a wooded area which could create drainage toward the rear foundation — gutters are present and downspouts visible but final drainage performance unknown. Vegetation/brush is close to the foundation on the rear/sides which increases potential for moisture, pests or termite activity and should be cleared/treated. Fencing is partial/chain-link to one side. Overall the site is tidy and appears functional with some yard/site work recommended."
},
{
"key": "rental_history_activity",
"label": "Recent Rental Activity (last 5y)",
"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 Risks (NSPIRE)",
"score": 65.0,
"rationale": "No active life‑threatening hazards are visible (no collapsed ceilings, no standing water, no visible electrical splices). Exterior electrical meter and service drop look intact. Exterior lighting present at the entry. Notable inspection risks: basement egress windows appear small and may not meet egress dimensions for sleeping rooms (cannot confirm interior bedroom locations), some exterior steps/landings lack full-height handrails at all approaches (lower yard stairs have partial rail), and there are several uneven concrete walk surfaces that are trip hazards. Smoke and CO detectors, GFCI receptacles, plumbing hot water and interior plumbing condition are not verifiable from exterior photos — these are typical NSPIRE failure points and must be confirmed. No visible active roof leaks, collapsed structure, or exposed high-voltage wiring observed."
},
{
"key": "systems_mechanical",
"label": "Major Systems (roof, HVAC, electrical, plumbing)",
"score": 72.3,
"rationale": "Visible metal roof appears in good condition with no sagging or visible leaks. Exterior central AC condenser is present at the basement level indicating a forced‑air HVAC system (likely providing heat and AC) — presence reduces risk of a heating system failure. Exterior electrical meter and conduit appear intact; internal panel not shown. Water heater and plumbing main are not visible in photos. Foundation is concrete block and appears intact with no obvious large cracks or movement visible externally. Given the house age (1925) but visibly updated exterior and presence of AC unit, systems are likely functional but should be verified (electric panel condition, hot water, furnace/AC functionality, plumbing leaks)."
}
],
"red_flags": [
"Basement window openings may not meet required egress dimensions for bedrooms — verify interior egress and sleeping room locations.",
"Partial or missing handrails and multiple uneven concrete steps/walkways present — trip/fall risk and potential NSPIRE citation if not corrected.",
"Vegetation and brush close to foundation increase moisture and pest/termite risk — recommend clearing and treatment.",
"Interior life‑safety items (smoke detectors, CO alarms, GFCI outlets) and hot water are not verifiable from photos and are common NSPIRE failure points — must be confirmed before inspection."
],
"confidence": 0.76,
"assumptions": [
"Interior has been updated as stated in listing (paint, hardwood floors, granite counters); photos provided are exterior-only so interior condition is assumed consistent with listing text.",
"Kitchen appliances and washer/dryer hookups described in listing are present or easily provided; missing appliances would be an easy-to-fix capital expense rather than a structural failure.",
"HVAC is a central system and operational (supported by visible exterior condenser unit); however full functionality has not been verified.",
"Water heater and internal plumbing are present and functional; no active leaks are visible from exterior.",
"Smoke detectors and carbon monoxide detectors are not visible in photos; assume they may be present but must be confirmed prior to inspection.",
"Electrical panel condition and GFCI presence are not visible; assume standard updates may be required.",
"Basement foundation is assumed stable (no visible large cracks or movement) but internal basement/moisture conditions are unverified."
],
"score_method": "mean_of_criteria",
"overall_score": 72.6,
"rubric_version": "2026-02-NSPIRE-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8871973553"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.