Property ID: 8891749969
2312 4th Ave S, Irondale, AL, 35210
Irondale, AL
Money Down: $30,936
CoC Return: 5.71%
Monthly Cash Flow: $147
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$25,780
Closing Costs
$5,156
Total Down
$30,936
Investment Snapshot
Purchase Price
$128,900
Money Down
$30,936
Cash-on-Cash Return
5.71%
Rent
$1,120
Monthly Cash Flow
$147
Annual Cash Flow
$1,767
Debt Service / Mo
$686
Property Tax / Mo
$117
Insurance / Mo
$58
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,120
Payment Standard
$1,584
Rent
$1,120
Insurance
$58
Property Tax
$117
Management
$112
Utilities Allowance
$464
NOI (Monthly)
$833
Debt Service
$686
Cash Flow After Debt
$147
Quality Score: 67.00%
Confidence: 93.00%
This 3-bed, 1-bath bungalow shows many cosmetic and mid-level updates (LVP, cabinets, counters, appliances) and would likely be rentable after addressing a few safety and system verification items. The primary inspection risks are missing/undocumented smoke/CO alarms, no visible heating/HVAC evidence, lack of GFCI outlet at the kitchen sink, and an unguarded front stair (no handrail). None of the photos show structural collapse, active leaks, or ceiling failure; however, missing documentation/visible evidence of HVAC, water heater, and electrical panel are likely to generate NSPIRE inspector questions and may require repairs or confirmations. Expect a likely conditional fail on an initial HCV/NSPIRE inspection until the safety items above are remedied or verified operational (smoke/CO alarms, handrail, GFCI) — time-to-rent could be 1–4 weeks if HVAC and alarms are present and functional, longer if systems are absent or nonfunctional.
Section 8 Payment Standard
$1,584
Utility Allowance Total
$464
Guaranteed Section 8 Rent (PS - Utilities)
$1,120
Property Management
$112
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$128,900
Beds
3
Baths
1
Living Area
970 sqft
Lot Size
6,534 sqft
Year Built
1947
Days on Market
264
Capital Outlay
$30,936
Debt Service
$686
Property Tax / Mo
$117
Insurance / Mo
$58
Property Description
Welcome to "Old Irondale"! This 3 Bedroom / 1 Bath was updated in 2009! Dead End Street! New Windows * New Interior 6 Panel & Exterior Upgraded Doors * New LVP Flooring * New Formica Countertops * Double Basin Sink * Dishwasher * TONS of Counter Space * Coffee Bar * Breakfast Room * Large Laundry * Ceiling Fans * Track Lighting * Covered Front Porchn + Covered Back Porch * Vinyl Siding * Spacious Closets * Built in Bookcases * Plenty of Parking
Utility Allowances
Heating (Natural Gas)
$38
Property has natural gas heating. Spire is selected as the most likely provider in Irondale.
Cooling (Electric)
$22
Property has electric central air conditioning. Alabama Power is the primary provider in the area.
Water Heating (Electric)
$56
Property details explicitly state an 'Electric Water Heater'. Alabama Power is the primary provider.
Cooking (Electric)
$21
An electric stove is visible in property photos. Alabama Power is the primary electric provider.
Other Electric
$68
Baseline allowance for lights and general electric use. Alabama Power is the primary provider.
Water
$65
Property uses public water and is located within the Irondale water service area.
Sewer
$151
Property is connected to the public sewer system, per property details.
Trash Collection
$29
Allowance for a single-family home located within the Irondale city limits.
Refrigerator (Tenant-Owned)
$8
Included as a refrigerator is not explicitly listed as a landlord-provided appliance.
Range/Microwave (Tenant-Owned)
$6
Included for a tenant-owned microwave, as it is not explicitly listed as a landlord-provided appliance.
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$555
DP3 Annual Estimate$828
DP1 Monthly Equivalent$46
DP3 Monthly Equivalent$69
Replacement Value$63,000
Basis970 sqft / 1947
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2323 2nd Ave S Unit 3B
sold · 0.12 mi
Price: $411,900
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2332 2nd Ave S
off_market · 0.14 mi
Price: $1,206
3 bd / 1 ba · 1,064 sqft
Latest sale: $48,000 on Mar 12, 2020
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Photo unavailable
2201 S 4th Ave
sold · 0.15 mi
Price: $148,500
2 bd / 1 ba · 1,105 sqft
Latest sale: $148,500
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
- No visible smoke detectors in photographed living areas - required for NSPIRE/HCV
- No visible heating/HVAC system in photos (major systems unknown)
- Front entry stairs lack a handrail (unsafe stairs hazard)
- No clearly identifiable GFCI outlet at kitchen sink - potential electrical safety violation
Assumptions
- Listing text indicates updates in 2009 (windows, doors, flooring) — photos appear consistent with updated windows and LVP; assume windows are serviceable.
- A water heater and electrical service exist but were not photographed; their presence and operational status are unknown and assumed functional unless proven otherwise.
- An HVAC system exists but is not visible in photos; absence from photos creates inspection risk. If a functioning central HVAC is present, some safety concerns reduce.
- Appliances pictured (refrigerator, range, dishwasher) are included and in working order, but no operational testing was performed; minor gaps/fit issues are cosmetic.
- The front stair rise is three steps; local codes/inspectors may still require a handrail depending on riser height and jurisdiction.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,364 | $109,000 | $21,800 |
| 2023 | $1,364 | $109,000 | $21,800 |
| 2022 | $1,087 | $96,100 | $19,220 |
| 2021 | $911 | $80,500 | $16,100 |
| 2020 | $911 | $80,500 | $16,100 |
| 2019 | $911 | $80,500 | $16,100 |
| 2018 | $702 | $62,100 | $12,420 |
| 2017 | $689 | $60,900 | $12,180 |
| 2016 | $670 | $59,200 | $11,840 |
| 2015 | $670 | $59,200 | $11,840 |
| 2013 | $638 | $55,100 | $11,020 |
| 2012 | $638 | $55,120 | $11,024 |
| 2011 | $564 | $48,500 | $9,700 |
| 2010 | $534 | $45,900 | $9,180 |
| 2009 | $527 | $45,300 | $9,060 |
| 2008 | $544 | $46,800 | $9,360 |
| 2007 | $183 | $40,900 | $4,090 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2015-01-13 | Sold | $32,000 |
| 2014-07-24 | Sold | $55,120 |
| 2006-08-23 | Sold | $35,000 |
| 2003-10-07 | Sold | $14,000 |
Photo Gallery
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"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "606259",
"price_change_percentage": null
},
{
"date": "2014-10-28",
"price": 34900,
"listing": {
"status": "sold",
"list_date": "2014-08-11T07:00:00Z",
"list_price": 29900,
"listing_id": "586347207",
"last_update_date": "2015-01-16T00:28:57Z",
"last_status_change_date": "2015-01-13T07:00:00Z"
},
"event_name": "Relisted",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "606259",
"price_change_percentage": null
},
{
"date": "2014-09-23",
"price": 34900,
"listing": {
"status": "sold",
"list_date": "2014-08-11T07:00:00Z",
"list_price": 29900,
"listing_id": "586347207",
"last_update_date": "2015-01-16T00:28:57Z",
"last_status_change_date": "2015-01-13T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "43 days",
"source_listing_id": "606259",
"price_change_percentage": null
},
{
"date": "2014-09-10",
"price": 34900,
"listing": {
"status": "sold",
"list_date": "2014-08-11T07:00:00Z",
"list_price": 29900,
"listing_id": "586347207",
"last_update_date": "2015-01-16T00:28:57Z",
"last_status_change_date": "2015-01-13T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "606259",
"price_change_percentage": null
},
{
"date": "2014-08-11",
"price": 39900,
"listing": {
"status": "sold",
"list_date": "2014-08-11T07:00:00Z",
"list_price": 29900,
"listing_id": "586347207",
"last_update_date": "2015-01-16T00:28:57Z",
"last_status_change_date": "2015-01-13T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "606259",
"price_change_percentage": null
},
{
"date": "2014-01-01",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2013-06-21T07:00:00Z",
"list_price": 69900,
"listing_id": "570137283",
"last_update_date": "2014-01-01T13:00:00Z",
"last_status_change_date": "2014-01-01T13:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "194 days",
"source_listing_id": "567723",
"price_change_percentage": null
},
{
"date": "2013-09-04",
"price": 69900,
"listing": {
"status": "off_market",
"list_date": "2013-06-21T07:00:00Z",
"list_price": 69900,
"listing_id": "570137283",
"last_update_date": "2014-01-01T13:00:00Z",
"last_status_change_date": "2014-01-01T13:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -3000,
"days_after_listed": null,
"source_listing_id": "567723",
"price_change_percentage": null
},
{
"date": "2013-06-21",
"price": 72900,
"listing": {
"status": "off_market",
"list_date": "2013-06-21T07:00:00Z",
"list_price": 69900,
"listing_id": "570137283",
"last_update_date": "2014-01-01T13:00:00Z",
"last_status_change_date": "2014-01-01T13:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "567723",
"price_change_percentage": null
},
{
"date": "2012-04-25",
"price": 89900,
"listing": {
"status": "off_market",
"list_date": "2010-01-26T07:00:00Z",
"list_price": 89900,
"listing_id": "515030851",
"last_update_date": "2010-06-16T04:53:49Z",
"last_status_change_date": "2010-06-15T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": "820 days",
"source_listing_id": "452968",
"price_change_percentage": null
},
{
"date": "2012-04-25",
"price": 99900,
"listing": {
"status": "off_market",
"list_date": "2009-08-10T07:00:00Z",
"list_price": 99900,
"listing_id": "510824947",
"last_update_date": "2010-01-22T13:00:00Z",
"last_status_change_date": "2010-01-21T07:00:00Z"
},
"event_name": "Listing removed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "437030",
"price_change_percentage": null
},
{
"date": "2010-06-20",
"price": 89900,
"listing": {
"status": "off_market",
"list_date": "2010-01-26T07:00:00Z",
"list_price": 89900,
"listing_id": "515030851",
"last_update_date": "2010-06-16T04:53:49Z",
"last_status_change_date": "2010-06-15T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -5000,
"days_after_listed": null,
"source_listing_id": "452968",
"price_change_percentage": null
},
{
"date": "2010-01-26",
"price": 94900,
"listing": {
"status": "off_market",
"list_date": "2010-01-26T07:00:00Z",
"list_price": 89900,
"listing_id": "515030851",
"last_update_date": "2010-06-16T04:53:49Z",
"last_status_change_date": "2010-06-15T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "452968",
"price_change_percentage": null
},
{
"date": "2010-01-21",
"price": 99900,
"listing": {
"status": "off_market",
"list_date": "2009-08-10T07:00:00Z",
"list_price": 99900,
"listing_id": "510824947",
"last_update_date": "2010-01-22T13:00:00Z",
"last_status_change_date": "2010-01-21T07:00:00Z"
},
"event_name": "Price Changed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": -12100,
"days_after_listed": null,
"source_listing_id": "437030",
"price_change_percentage": null
},
{
"date": "2009-08-10",
"price": 112000,
"listing": {
"status": "off_market",
"list_date": "2009-08-10T07:00:00Z",
"list_price": 99900,
"listing_id": "510824947",
"last_update_date": "2010-01-22T13:00:00Z",
"last_status_change_date": "2010-01-21T07:00:00Z"
},
"event_name": "Listed",
"price_sqft": null,
"source_name": "GreaterAlabamaMLS",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": "437030",
"price_change_percentage": "+348.00%"
},
{
"date": "1997-06-10",
"price": 25000,
"listing": null,
"event_name": "Sold",
"price_sqft": 25.77319587628866,
"source_name": "Public Record",
"price_change": 0,
"days_after_listed": null,
"source_listing_id": null,
"price_change_percentage": null
}
],
"building_permits_history": null
}
},
"rmn_listing_attribution": false
},
"property_id": "8891749969",
"generated_at": "2026-02-16T02:41:29.752395Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 67.0
},
"utility_allowance": {
"zip_code": "35210",
"home_photo": "https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m706464851s-w1280.jpg",
"rent_price": 1120.0,
"loan_amount": 103120.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2312-4th-Ave-S_Irondale_AL_35210_M88917-49969",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 128900.0,
"loan_term_years": 30,
"annual_cash_flow": 9999.58,
"mortgage_monthly": 686.06,
"payment_standard": 1584.0,
"total_amount_out": 25780.0,
"additional_photos": [
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m2127836091s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m825185849s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m3940011867s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m1526895698s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m4034591707s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m3334234888s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m2559767353s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m2052481094s-w1280.jpg",
"https://ap.rdcpix.com/e7272549b9acf5f8d9aa4bfd86fce808l-m1576374725s-w1280.jpg"
],
"down_payment_rate": 0.2,
"insurance_monthly": 57.62,
"monthly_cash_flow": 833.3,
"property_tax_rate": 0.0060999999999999995,
"_utility_allowance": {
"sources": [
"https://www.jcha.com/section-8-utility-allowances"
],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Property has natural gas heating. Spire is selected as the most likely provider in Irondale.",
"utility": "Heating (Natural Gas)",
"allowance": 38
},
{
"note": "Property has electric central air conditioning. Alabama Power is the primary provider in the area.",
"utility": "Cooling (Electric)",
"allowance": 22
},
{
"note": "Property details explicitly state an 'Electric Water Heater'. Alabama Power is the primary provider.",
"utility": "Water Heating (Electric)",
"allowance": 56
},
{
"note": "An electric stove is visible in property photos. Alabama Power is the primary electric provider.",
"utility": "Cooking (Electric)",
"allowance": 21
},
{
"note": "Baseline allowance for lights and general electric use. Alabama Power is the primary provider.",
"utility": "Other Electric",
"allowance": 68
},
{
"note": "Property uses public water and is located within the Irondale water service area.",
"utility": "Water",
"allowance": 65
},
{
"note": "Property is connected to the public sewer system, per property details.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Allowance for a single-family home located within the Irondale city limits.",
"utility": "Trash Collection",
"allowance": 29
},
{
"note": "Included as a refrigerator is not explicitly listed as a landlord-provided appliance.",
"utility": "Refrigerator (Tenant-Owned)",
"allowance": 8
},
{
"note": "Included for a tenant-owned microwave, as it is not explicitly listed as a landlord-provided appliance.",
"utility": "Range/Microwave (Tenant-Owned)",
"allowance": 6
}
],
"cash_on_cash_return": 0.39,
"down_payment_amount": 25780.0,
"property_tax_annual": 1404.92,
"property_tax_monthly": 117.08,
"property_tax_increase": 0.03,
"utility_allowance_total": 464.0,
"property_management_rate": 0.1,
"_fetched_payment_standard": {
"sources": [
"https://www.jcha.com/section-8-payment-standards"
],
"effective_date": "2026-01-01"
},
"property_tax_history_year": 2024,
"annual_cash_flow_after_debt": 1766.86,
"property_management_monthly": 112.0,
"monthly_cash_flow_after_debt": 147.24,
"cash_on_cash_return_after_debt": 0.07
},
"section8_assessment": {
"runs": [
{
"summary": "This 3-bed, 1-bath bungalow shows many cosmetic and mid-level updates (LVP, cabinets, counters, appliances) and would likely be rentable after addressing a few safety and system verification items. The primary inspection risks are missing/undocumented smoke/CO alarms, no visible heating/HVAC evidence, lack of GFCI outlet at the kitchen sink, and an unguarded front stair (no handrail). None of the photos show structural collapse, active leaks, or ceiling failure; however, missing documentation/visible evidence of HVAC, water heater, and electrical panel are likely to generate NSPIRE inspector questions and may require repairs or confirmations. Expect a likely conditional fail on an initial HCV/NSPIRE inspection until the safety items above are remedied or verified operational (smoke/CO alarms, handrail, GFCI) — time-to-rent could be 1–4 weeks if HVAC and alarms are present and functional, longer if systems are absent or nonfunctional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently updated with LVP flooring, fresh paint, functioning ceiling fans and intact cabinets/counters. Kitchen appliances (range, refrigerator, dishwasher) are present though older; dishwasher fitment shows minor gap. Exterior shows vinyl siding in generally good condition and covered porches. Minor deferred items: front porch stairs show exposed underside and missing bottom trim, weathering on porch rail/posts (paint peeling), overgrown shrubs close to house. No major interior finish damage visible."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Multiple NSPIRE safety items unclear or absent in photos: no smoke alarm is visible in living areas shown and none reported; carbon monoxide alarm not shown. Front entry has three steps and no handrail on either side which is commonly cited as an unsafe stairs issue. Kitchen outlets near sink do not show identifiable GFCI-type devices (reset/test buttons not visible). No visible HVAC register or furnace; presence and operation of heating system not documented. Electrical panel not shown. No visible active water intrusion, major mold, roof sagging, or collapsed ceilings in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 60.0,
"rationale": "Kitchen plumbing fixtures and faucet appear intact; double-basin sink and dishwasher present. Appliances (electric range, fridge, dishwasher) are present but range shows cosmetic wear. Roof surface along eaves appears intact from photos with no visible sag or major damage. Critical unknowns: no HVAC system (outdoor unit or registers) shown and no water heater or electrical panel photos — these are required for an inspector to verify functioning heating and hot water. Because visible systems appear serviceable but key items are not shown, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.0,
"rationale": "Vinyl siding and windows appear in good condition; covered front porch and rear porch are present. Driveway is serviceable though shows surface wear and grass encroachment. Landscaping is overgrown against the building which can cause moisture/creep issues. Front porch steps are functional but lack a handrail; some porch wood shows weathering. No visible standing water, major foundation cracks, or obvious infestation from photos."
}
],
"red_flags": [
"No visible smoke detectors in photographed living areas - required for NSPIRE/HCV",
"No visible heating/HVAC system in photos (major systems unknown)",
"Front entry stairs lack a handrail (unsafe stairs hazard)",
"No clearly identifiable GFCI outlet at kitchen sink - potential electrical safety violation"
],
"confidence": 0.65,
"assumptions": [
"Listing text indicates updates in 2009 (windows, doors, flooring) — photos appear consistent with updated windows and LVP; assume windows are serviceable.",
"A water heater and electrical service exist but were not photographed; their presence and operational status are unknown and assumed functional unless proven otherwise.",
"An HVAC system exists but is not visible in photos; absence from photos creates inspection risk. If a functioning central HVAC is present, some safety concerns reduce.",
"Appliances pictured (refrigerator, range, dishwasher) are included and in working order, but no operational testing was performed; minor gaps/fit issues are cosmetic.",
"The front stair rise is three steps; local codes/inspectors may still require a handrail depending on riser height and jurisdiction."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE-v1.0-2026"
},
{
"summary": "This 3-bed, 1-bath single-family appears largely move-in ready with cosmetic updates and functioning kitchen appliances. Main NSPIRE/Section 8 inspection risks are missing/undetected smoke detectors, lack of visible GFCI protection at kitchen counters, and the front steps lacking a handrail. Important mechanical items (HVAC and water heater) and the electrical panel are not shown in photos and should be confirmed operational. Correcting the smoke/CO/GFCI/handrail items and confirming HVAC/water heater would likely move this property to a solid pass; expect minor repairs and safety installs within 1–4 weeks to be inspection-ready.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior finishes appear in good condition: LVP flooring looks recently installed, walls/cabinetry and countertops are serviceable, and appliances (fridge, electric range, dishwasher) are present. Cosmetic items visible: porch/columns show peeling paint, new stair treads but open risers and exposed space under steps, minor trim scuffs, and a dishwasher that appears slightly misaligned under the counter. These are mostly easy/low-cost fixes (paint, trim, install/adjust appliance, add threshold/finish). No visible collapsed ceilings, large holes, or extensive water damage."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance (NSPIRE risk)",
"score": 58.0,
"rationale": "Several NSPIRE-relevant items are either missing or not visible: no smoke detectors are visible in photos (required in hall/bedrooms), kitchen outlets near sink do not show GFCI protection, front entry steps lack a handrail, and I cannot confirm a deadbolt on the exterior door. Carbon monoxide detector presence is unknown (required if fuel-burning appliances are present). There are no obvious active water intrusions, major trip hazards in living areas, exposed high-voltage wiring, collapsed ceilings or visible severe mold. These items present moderate inspection risk and would likely cause a failed initial inspection if not corrected."
},
{
"key": "systems_mechanical",
"label": "Major Systems & Mechanical",
"score": 65.0,
"rationale": "Kitchen plumbing (double sink, faucet) and appliances are present; the electric range, refrigerator and dishwasher appear functional but dishwasher alignment/fitment should be verified. Roof appears intact from photos with no visible sagging or active leaks. However, critical system elements are not shown: HVAC/heating equipment and the water heater are not visible in listing photos, and the electrical service/panel is not shown. Absence of visible HVAC/water heater is a moderate risk on inspection; if these systems are present and operational the score would be higher. Electrical outlets and switches are present but GFCI presence is questionable."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 72.0,
"rationale": "Exterior siding (vinyl) and windows appear intact; driveway is serviceable though shows surface wear and some vegetation encroachment. Yard is moderately maintained but shrubs are overgrown against the house (pest/maintenance concern). Front porch structure appears sound but needs paint and a required handrail on the steps. No visible foundation cracks, no standing water, and no obvious roof collapse. Vegetation close to siding and the satellite dish wiring routing are minor concerns."
}
],
"red_flags": [
"No visible smoke detectors in living area/near bedrooms (inspection-fail risk).",
"Kitchen outlets near sink do not show GFCI protection (inspection-fail risk).",
"Front entry steps lack a handrail (safety/code violation).",
"No heating/HVAC system or water heater visible in photos (must confirm present and operational)."
],
"confidence": 0.62,
"assumptions": [
"Listing photos are recent and representative of current condition.",
"Appliances shown (refrigerator, electric range, dishwasher) are included and operable unless otherwise indicated; dishwasher may need adjustment.",
"A heating/cooling system and a water heater exist in the property but were not photographed; their presence and operational status need verification.",
"Electrical service/panel is present and intact but not visible in photos; no obvious exposed high-voltage wiring was observed in living spaces shown.",
"Entry door may have a keyed lock but presence of a deadbolt was not verifiable from photos.",
"No evidence of active roof leaks, major foundation movement, or severe mold was visible in supplied images; those conditions could exist in unphotographed areas."
],
"overall_score": 68.0,
"rubric_version": "nspt-2026-1.0"
},
{
"summary": "This 3BR/1BA house appears mostly rentable with minor repairs and safety items to address. Interior renovations (new LVP, counters, cabinets) and presence of appliances make it close to turnkey. Primary inspection risks are missing/uncertain smoke and CO alarms, lack of visible GFCI protection at the sink, a missing/unclear deadbolt on the exterior door, and a deteriorated lower front stair tread (trip/handrail concern). Major systems (HVAC, water heater, electrical panel, roof) are not visible in the photos and should be verified, but there is evidence that plumbing and electrical circuits serve kitchen appliances. With quick fixes (install/verify smoke & CO detectors, add/confirm GFCI, repair/secure front steps & railing, install deadbolt, confirm HVAC/water heater/panel condition) the property is likely to pass a Housing Choice Voucher/NSPIRE initial inspection within 1–2 weeks. If HVAC or water heating is nonfunctional or the electrical panel is unsafe, that would drop the pass likelihood significantly.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior surfaces and finishes appear recently updated (LVP floors, painted walls, new-looking counters and cabinets). Kitchen appliances (stove, refrigerator, dishwasher) are present; dishwasher shows a small installation gap but is present. Cosmetic wear limited to some cabinet scuffs and weathered porch posts/paint. Exterior landscaping slightly overgrown. The most notable deferred item is deteriorated bottom stair tread at the front steps which is a localized repair. Overall condition appears good with mostly minor/cosmetic items that are easy to fix."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 60.0,
"rationale": "No visible smoke detectors or carbon monoxide alarms in photos; these are required and often cause inspection failures if missing. Kitchen outlets shown are standard duplex outlets — no visible GFCI near sink (could be GFCI breaker but not shown). Front entry door has a knob lock but no visible deadbolt. Porch steps show a deteriorated bottom tread and limited/partial railing; this presents a trip/handrail risk depending on local requirements. No exposed wiring visible and windows appear operable for egress; plumbing fixtures visible and appear intact. These issues represent moderate NSPIRE risk until detectors, GFCI, locks, and step/handrail are confirmed/repaired."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Plumbing, Electric, Roof)",
"score": 65.0,
"rationale": "Kitchen plumbing and fixtures are present and appear serviceable (double-basin sink, modern faucet). Electric appliances (stove, fridge, dishwasher) are present — suggests functioning electrical circuits. No electrical panel, water heater, or HVAC equipment are shown in photos; listing mentions ceiling fans but not HVAC type. Roof visible from front shows no obvious large failure from the photos but roof slope/age not fully verifiable. Because critical systems are not documented in photos but interior plumbing/electrical appear functional, a moderate score is given pending verification of heating (required), cooling (if local requirement), water heater, and panel condition."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Vinyl siding appears intact; windows look upgraded and in good condition. Driveway and parking area are usable though show typical wear. Front porch structure is intact but weathered paint and the rotted/loose bottom stair tread need repair. Trees and brush are close to the house which can create deferred maintenance risks over time but no active standing water, visible foundation movement, or major exterior structural issues are apparent in photos."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in photos (inspection fail risk).",
"No visible GFCI-protected kitchen outlet near sink (potential code/NSPIRE issue).",
"Deteriorated/rot at bottom front stair tread — trip hazard and potential failed handrail/guard requirement.",
"No visible heating/HVAC equipment in photos (must confirm working heating source prior to inspection).",
"Exterior door shows only a knob (no visible deadbolt) — security/lock requirement may fail depending on local HCV standards."
],
"confidence": 0.7,
"assumptions": [
"No smoke detectors or carbon monoxide alarms were visible in photos; assume they may be missing or not located in photographed rooms and should be verified and/or installed.",
"Central HVAC or an approved heating source is not visible in photos; assume a heating system exists but its condition is unknown and must be confirmed prior to inspection.",
"Electrical panel and circuit protection (GFCI breakers/outlets) are not shown — assume kitchen may lack visible GFCI receptacle and should be tested/updated if needed.",
"Water heater and its condition are not shown; assume hot water is present based on listing/appliances but require verification.",
"Windows shown provide typical bedroom egress; actual bedroom window sizes/egress compliance not directly verified from provided photos.",
"No active roof leaks, major foundation movement, or severe mold were visible in photos; assume none present but recommend on-site verification.",
"Appliances shown are functioning or repairable; absence of fridge/stove would have reduced score but both are present."
],
"overall_score": 68.0,
"rubric_version": "nsPIRE_v1_photo_assessment_2026-02"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2312 4th Ave S, Irondale, AL, 35210",
"aggregate": {
"summary": "This 3-bed, 1-bath bungalow shows many cosmetic and mid-level updates (LVP, cabinets, counters, appliances) and would likely be rentable after addressing a few safety and system verification items. The primary inspection risks are missing/undocumented smoke/CO alarms, no visible heating/HVAC evidence, lack of GFCI outlet at the kitchen sink, and an unguarded front stair (no handrail). None of the photos show structural collapse, active leaks, or ceiling failure; however, missing documentation/visible evidence of HVAC, water heater, and electrical panel are likely to generate NSPIRE inspector questions and may require repairs or confirmations. Expect a likely conditional fail on an initial HCV/NSPIRE inspection until the safety items above are remedied or verified operational (smoke/CO alarms, handrail, GFCI) — time-to-rent could be 1–4 weeks if HVAC and alarms are present and functional, longer if systems are absent or nonfunctional.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior appears recently updated with LVP flooring, fresh paint, functioning ceiling fans and intact cabinets/counters. Kitchen appliances (range, refrigerator, dishwasher) are present though older; dishwasher fitment shows minor gap. Exterior shows vinyl siding in generally good condition and covered porches. Minor deferred items: front porch stairs show exposed underside and missing bottom trim, weathering on porch rail/posts (paint peeling), overgrown shrubs close to house. No major interior finish damage visible."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site",
"score": 70.7,
"rationale": "Vinyl siding and windows appear in good condition; covered front porch and rear porch are present. Driveway is serviceable though shows surface wear and grass encroachment. Landscaping is overgrown against the building which can cause moisture/creep issues. Front porch steps are functional but lack a handrail; some porch wood shows weathering. No visible standing water, major foundation cracks, or obvious infestation from photos."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 57.7,
"rationale": "Multiple NSPIRE safety items unclear or absent in photos: no smoke alarm is visible in living areas shown and none reported; carbon monoxide alarm not shown. Front entry has three steps and no handrail on either side which is commonly cited as an unsafe stairs issue. Kitchen outlets near sink do not show identifiable GFCI-type devices (reset/test buttons not visible). No visible HVAC register or furnace; presence and operation of heating system not documented. Electrical panel not shown. No visible active water intrusion, major mold, roof sagging, or collapsed ceilings in photos."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, plumbing, electrical, roof)",
"score": 63.3,
"rationale": "Kitchen plumbing fixtures and faucet appear intact; double-basin sink and dishwasher present. Appliances (electric range, fridge, dishwasher) are present but range shows cosmetic wear. Roof surface along eaves appears intact from photos with no visible sag or major damage. Critical unknowns: no HVAC system (outdoor unit or registers) shown and no water heater or electrical panel photos — these are required for an inspector to verify functioning heating and hot water. Because visible systems appear serviceable but key items are not shown, score is moderate."
}
],
"red_flags": [
"No visible smoke detectors in photographed living areas - required for NSPIRE/HCV",
"No visible heating/HVAC system in photos (major systems unknown)",
"Front entry stairs lack a handrail (unsafe stairs hazard)",
"No clearly identifiable GFCI outlet at kitchen sink - potential electrical safety violation"
],
"confidence": 0.93,
"assumptions": [
"Listing text indicates updates in 2009 (windows, doors, flooring) — photos appear consistent with updated windows and LVP; assume windows are serviceable.",
"A water heater and electrical service exist but were not photographed; their presence and operational status are unknown and assumed functional unless proven otherwise.",
"An HVAC system exists but is not visible in photos; absence from photos creates inspection risk. If a functioning central HVAC is present, some safety concerns reduce.",
"Appliances pictured (refrigerator, range, dishwasher) are included and in working order, but no operational testing was performed; minor gaps/fit issues are cosmetic.",
"The front stair rise is three steps; local codes/inspectors may still require a handrail depending on riser height and jurisdiction."
],
"score_method": "mean_of_criteria",
"overall_score": 67.0,
"rubric_version": "nsPIRE-v1.0-2026",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8891749969"
}
}
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