Property ID: 8964129080
2720 2nd St NW, Center Point, AL, 35215
Center Point, AL
Money Down: $29,880
CoC Return: 10.64%
Monthly Cash Flow: $265
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$24,900
Closing Costs
$4,980
Total Down
$29,880
Investment Snapshot
Purchase Price
$124,500
Money Down
$29,880
Cash-on-Cash Return
10.64%
Rent
$1,270
Monthly Cash Flow
$265
Annual Cash Flow
$3,181
Debt Service / Mo
$663
Property Tax / Mo
$125
Insurance / Mo
$90
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,270
Payment Standard
$1,738
Rent
$1,270
Insurance
$90
Property Tax
$125
Management
$127
Utilities Allowance
$468
NOI (Monthly)
$928
Debt Service
$663
Cash Flow After Debt
$265
Quality Score: 71.60%
Confidence: 94.00%
Based on exterior photos and listing text, the house appears generally well maintained and likely to pass a Section 8 (NSPIRE) inspection with a small set of easy fixes (verify/install smoke/CO detectors, confirm GFCI in kitchen/bath, verify functioning HVAC and hot water, clean under-deck and remove yard debris). Major structural or life-safety failures are not visible. Because no interior or mechanical photos were provided and the home was built in 1957 (lead-paint risk), some moderate unknowns remain and should be confirmed prior to leasing.
Section 8 Payment Standard
$1,738
Utility Allowance Total
$468
Guaranteed Section 8 Rent (PS - Utilities)
$1,270
Property Management
$127
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$124,500
Beds
3
Baths
1
Living Area
1,192 sqft
Lot Size
14,288 sqft
Year Built
1957
Days on Market
32
Capital Outlay
$29,880
Debt Service
$663
Property Tax / Mo
$125
Insurance / Mo
$90
Property Description
Tucked on a quiet, wooded lot, this classic ranch pairs move-in comfort with room to grow. Sun-splashed living and dining spaces showcase real hardwood floors, while an eat-in kitchen delivers tons of cabinet storage and prep space. Convenient Center Point location close to everyday shopping. Come see the value and easy, single-level living. A sliding door opens to the deck and an expansive backyard-ideal for pets, play, or weekend grilling. The large, unfinished basement/garage adds excellent storage and workshop potential.
Utility Allowances
Heating
$38
Selected 'N'Gas: Spire' for a 3-bedroom unit. Property details specify 'Gas Heat', and Spire is the primary natural gas provider in the area.
Cooling
$22
Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property details state 'Central (COOL)', implying electric cooling. Alabama Power is the main electric provider.
Cooking
$21
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly list 'Oven-Electric' and 'Stove-Electric'.
Water Heating
$56
Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details specify 'Water Heaters: Electric (WTRHTR)'.
Other Electric (Lights, etc.)
$68
Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit to cover general electric use for lights and outlets. Alabama Power is the assumed electric provider.
Water
$78
Selected 'Water: Birmingham' for a 3-bedroom unit. Property details state 'Public Water', and the Birmingham Water Works Board serves the Center Point area.
Sewer
$151
Selected the fixed sewer rate for a 3-bedroom unit from the schedule. Property details confirm the home is 'Sewer: Connected'.
Trash Collection
$20
Selected 'Jefferson City (Once per week)' as a proxy for Center Point, which is in Jefferson County. A specific rate for Center Point was not available.
Refrigerator (Tenant-Provided)
$8
Included as the property listing does not mention a provided refrigerator, making it a tenant responsibility.
Range/Microwave (Tenant-Provided)
$6
Included as the property listing does not mention a provided microwave, making it a tenant responsibility.
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$918
DP3 Annual Estimate$1,250
DP1 Monthly Equivalent$76
DP3 Monthly Equivalent$104
Replacement Value$133,300
Basis1,192 sqft / 1957
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Price: $172,500
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Latest sale: $172,500
Latest rent: —
Risk and Criteria Detail
Red Flags
- success
Assumptions
- No interior photos provided — interior condition (flooring, drywall, kitchen appliances, bathroom fixtures, smoke detectors) is unknown. Listing copy referencing hardwood and cabinets is assumed accurate.
- Major systems (HVAC, water heater, electrical panel) are present and serviceable but were not photographed; rated conservatively.
- No obvious peeling lead-based paint observed externally, but property built in 1957 — assume lead-paint disclosure required and potential for localized paint hazards that need inspection/clearance.
- Smoke and carbon monoxide detectors, GFCI protection, and bedroom egress are not visible; assume detectors may need installation or verification.
- Basement/garage area may have moisture or storage debris but no evidence of collapsed structure or active standing water was seen in photos.
- Yard is wooded with large trees; assume standard municipal setback/tree maintenance responsibilities for owner/manager.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2024 | $1,456 | $151,900 | $28,280 |
| 2023 | $1,388 | $126,000 | $25,200 |
| 2022 | $1,217 | $110,500 | $22,100 |
| 2021 | $1,149 | $104,300 | $20,860 |
| 2020 | $987 | $89,600 | $17,920 |
| 2019 | $987 | $89,600 | $17,920 |
| 2018 | $882 | $80,100 | $16,020 |
| 2017 | $882 | $80,100 | $16,020 |
| 2016 | $802 | $80,100 | $16,020 |
| 2015 | $802 | $80,100 | $16,020 |
| 2013 | $804 | $74,800 | $14,960 |
| 2012 | $1,046 | $78,780 | $15,756 |
| 2011 | $1,138 | $88,000 | $17,600 |
| 2010 | $647 | $91,600 | $9,160 |
| 2009 | $832 | $91,600 | $9,160 |
| 2008 | $420 | $93,500 | $9,350 |
| 2007 | $626 | $92,300 | $9,230 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-02-11 | Price Changed | $124,500 |
| 2026-01-15 | Listed | $134,500 |
| 2025-12-11 | Listing removed | $0 |
| 2025-10-22 | Listed | $144,500 |
| 2022-09-26 | Listing removed | $0 |
| 2022-09-06 | Listed for rent | $1,200 |
| 2022-03-19 | Listing removed | $0 |
| 2022-03-01 | Sold | $144,000 |
| 2022-01-13 | Price Changed for rent | $1,225 |
| 2022-01-12 | Price Changed for rent | $1,175 |
| 2022-01-04 | Price Changed for rent | $1,225 |
| 2022-01-03 | Price Changed for rent | $1,175 |
| 2021-11-30 | Price Changed for rent | $1,225 |
| 2021-11-29 | Price Changed for rent | $1,150 |
| 2021-10-08 | Listed for rent | $1,225 |
| 2021-06-21 | Sold | $89,900 |
| 2017-10-22 | Listing removed | $875 |
| 2017-10-21 | Listing removed | $875 |
| 2017-09-14 | Listed for rent | $875 |
| 2017-09-07 | Listed for rent | $875 |
| 2017-01-22 | Listing removed | $860 |
| 2016-12-19 | Listed for rent | $860 |
| 2016-06-08 | Sold | $392,875 |
| 2015-11-25 | Listing removed | $44,900 |
| 2015-11-04 | Listed | $44,900 |
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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},
{
"date": "2017-10-22",
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"listing": {
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"list_price": 875,
"listing_id": "625392835",
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"last_status_change_date": "2017-09-14T07:00:00Z"
},
"event_name": "Listing removed",
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"source_name": "GreaterAlabamaMLS",
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"source_listing_id": "795722",
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},
{
"date": "2017-10-21",
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"listing": {
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"listing_id": "625140171",
"last_update_date": "2017-10-21T18:31:26Z",
"last_status_change_date": "2017-10-21T18:31:26Z"
},
"event_name": "Listing removed",
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"source_listing_id": "390871",
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},
{
"date": "2017-09-14",
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"listing": {
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"list_price": 875,
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"last_status_change_date": "2017-09-14T07:00:00Z"
},
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},
{
"date": "2017-09-07",
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"listing": {
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"listing_id": "625140171",
"last_update_date": "2017-10-21T18:31:26Z",
"last_status_change_date": "2017-10-21T18:31:26Z"
},
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},
{
"date": "2017-01-22",
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"listing": {
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"list_date": "2016-12-19T07:00:00Z",
"list_price": 860,
"listing_id": "616373255",
"last_update_date": "2017-01-20T22:54:00Z",
"last_status_change_date": "2016-12-19T07:00:00Z"
},
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"source_listing_id": "769719",
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},
{
"date": "2016-12-19",
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"listing": {
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"list_price": 860,
"listing_id": "616373255",
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"last_status_change_date": "2016-12-19T07:00:00Z"
},
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},
{
"date": "2016-06-08",
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},
{
"date": "2015-11-25",
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"listing": {
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"list_price": 44900,
"listing_id": "603611503",
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},
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"days_after_listed": "21 days",
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},
{
"date": "2015-11-04",
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"listing": {
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},
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},
{
"date": "2013-09-30",
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{
"date": "2012-10-29",
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{
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},
{
"date": "2012-08-09",
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},
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},
{
"date": "2012-06-08",
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},
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},
{
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},
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},
{
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},
{
"date": "1997-03-31",
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}
],
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}
},
"rmn_listing_attribution": false
},
"property_id": "8964129080",
"generated_at": "2026-02-16T03:03:49.407204Z",
"initial_filter": {
"passes": true,
"reason": "disabled",
"enabled": false
},
"processing_status": {
"reason": "success",
"eligible": true,
"min_score": 60.0,
"overall_score": 71.6
},
"utility_allowance": {
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"rent_price": 1270.0,
"loan_amount": 99600.0,
"realtor_link": "https://www.realtor.com/realestateandhomes-detail/2720-2nd-St-NW_Center-Point_AL_35215_M89641-29080",
"bedroom_count": 3,
"interest_rate": 0.07,
"purchase_price": 124500.0,
"loan_term_years": 30,
"annual_cash_flow": 11132.32,
"mortgage_monthly": 662.64,
"payment_standard": 1738.0,
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"additional_photos": [
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],
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"_utility_allowance": {
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],
"effective_date": "2026-01-01"
},
"utility_allowances": [
{
"note": "Selected 'N'Gas: Spire' for a 3-bedroom unit. Property details specify 'Gas Heat', and Spire is the primary natural gas provider in the area.",
"utility": "Heating",
"allowance": 38
},
{
"note": "Selected 'A/C: Alabama Power' for a 3-bedroom unit. Property details state 'Central (COOL)', implying electric cooling. Alabama Power is the main electric provider.",
"utility": "Cooling",
"allowance": 22
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details explicitly list 'Oven-Electric' and 'Stove-Electric'.",
"utility": "Cooking",
"allowance": 21
},
{
"note": "Selected 'Elec: Ala Power' for a 3-bedroom unit. Property details specify 'Water Heaters: Electric (WTRHTR)'.",
"utility": "Water Heating",
"allowance": 56
},
{
"note": "Selected 'Lights, Ref, Etc.: Ala Power' for a 3-bedroom unit to cover general electric use for lights and outlets. Alabama Power is the assumed electric provider.",
"utility": "Other Electric (Lights, etc.)",
"allowance": 68
},
{
"note": "Selected 'Water: Birmingham' for a 3-bedroom unit. Property details state 'Public Water', and the Birmingham Water Works Board serves the Center Point area.",
"utility": "Water",
"allowance": 78
},
{
"note": "Selected the fixed sewer rate for a 3-bedroom unit from the schedule. Property details confirm the home is 'Sewer: Connected'.",
"utility": "Sewer",
"allowance": 151
},
{
"note": "Selected 'Jefferson City (Once per week)' as a proxy for Center Point, which is in Jefferson County. A specific rate for Center Point was not available.",
"utility": "Trash Collection",
"allowance": 20
},
{
"note": "Included as the property listing does not mention a provided refrigerator, making it a tenant responsibility.",
"utility": "Refrigerator (Tenant-Provided)",
"allowance": 8
},
{
"note": "Included as the property listing does not mention a provided microwave, making it a tenant responsibility.",
"utility": "Range/Microwave (Tenant-Provided)",
"allowance": 6
}
],
"cash_on_cash_return": 0.45,
"down_payment_amount": 24900.0,
"property_tax_annual": 1499.68,
"property_tax_monthly": 124.97,
"property_tax_increase": 0.03,
"utility_allowance_total": 468.0,
"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": 3180.62,
"property_management_monthly": 127.0,
"monthly_cash_flow_after_debt": 265.05,
"cash_on_cash_return_after_debt": 0.13
},
"section8_assessment": {
"runs": [
{
"summary": "Based on exterior photos and listing text, the house appears generally well maintained and likely to pass a Section 8 (NSPIRE) inspection with a small set of easy fixes (verify/install smoke/CO detectors, confirm GFCI in kitchen/bath, verify functioning HVAC and hot water, clean under-deck and remove yard debris). Major structural or life-safety failures are not visible. Because no interior or mechanical photos were provided and the home was built in 1957 (lead-paint risk), some moderate unknowns remain and should be confirmed prior to leasing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Exterior photos show a generally well-kept ranch with intact siding, brick skirt, paved driveway, and maintained deck. Minor deferred maintenance visible: deck paint/finish peeling in places, some yard debris and leaf accumulation, and under-deck area with leaves/organic buildup. Front stairs and handrail intact. No interior photos to confirm flooring/cabinets/appliances; listing states hardwood floors and ample cabinets which suggests interior is in reasonable condition. Missing interior appliance condition is unknown — absence of interior images reduced score moderately but there are no visible major cosmetic failures on exterior."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 68.0,
"rationale": "No visible life-threatening hazards in exterior photos: stairs have handrails, deck railings present, driveway and walkways appear usable, no obvious roof sag or active leaks visible. No exposed wiring or damaged electrical equipment seen outside. However key NSPIRE items cannot be confirmed from photos: presence and placement of smoke detectors, carbon monoxide alarms (if required), GFCI protection in kitchen/bath, operable egress in bedrooms, and hot water/working plumbing. Property built 1957 — potential lead-based paint risk exists (pre-1978) though no peeling lead paint is visible from these images. Trees are close to the structure which raises risk of limb damage in storms. These unknowns reduce the safety score modestly but there are no visible immediate hazards."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 60.0,
"rationale": "Major systems (HVAC, water heater, electrical panel, plumbing) are not visible in available photos. Roof appears to be in serviceable condition with no visible sagging or missing shingles. Gutters present. There is an enclosed garage/basement area that should house mechanical equipment but condition is unknown. Absence of a visible outdoor HVAC condenser in supplied photos or interior mechanical images forces conservative scoring — failure of any major system would be an inspection-fail, but no active evidence of failure is shown. Estimated as moderate risk requiring verification/possible service."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 78.0,
"rationale": "Property sits on a wooded lot with a long paved driveway, intact concrete steps, and a usable elevated deck. Chain-link fence present in rear yard. Foundation (cinderblock) appears straight in photos with no obvious large cracks; garage door present and ground drainage appears to slope away from house toward driveway. Yard shows some natural debris and leaf build-up typical of wooded lots; under-deck area could use cleanup. Large trees close to the house present a maintenance/long-term risk but not an immediate structural sign of failure. Overall exterior/site condition is good but requires routine clean-up and tree maintenance."
}
],
"red_flags": [],
"confidence": 0.65,
"assumptions": [
"No interior photos provided — interior condition (flooring, drywall, kitchen appliances, bathroom fixtures, smoke detectors) is unknown. Listing copy referencing hardwood and cabinets is assumed accurate.",
"Major systems (HVAC, water heater, electrical panel) are present and serviceable but were not photographed; rated conservatively.",
"No obvious peeling lead-based paint observed externally, but property built in 1957 — assume lead-paint disclosure required and potential for localized paint hazards that need inspection/clearance.",
"Smoke and carbon monoxide detectors, GFCI protection, and bedroom egress are not visible; assume detectors may need installation or verification.",
"Basement/garage area may have moisture or storage debris but no evidence of collapsed structure or active standing water was seen in photos.",
"Yard is wooded with large trees; assume standard municipal setback/tree maintenance responsibilities for owner/manager."
],
"overall_score": 70.0,
"rubric_version": "ns-pire-assessment-2026-02-16-v1"
},
{
"summary": "This 3-bed ranch appears generally well-maintained externally and would likely pass an initial HCV/NSPIRE inspection with minor fixes and routine verifications. The most likely inspection items to address are installation/verification of smoke detectors and CO alarms, GFCI outlets in kitchen/bath (if missing), verification of bedroom egress windows, and checking deck guardrail/ledger compliance. Major systems (HVAC, electrical panel, water heater) are not shown and should be verified prior to leasing but there are no visible signs of catastrophic failure. Expect rent-readiness within 2–6 weeks depending on interior findings and safety-device installations.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 78.0,
"rationale": "Exterior photos show a well-maintained brick/ vinyl ranch with a recently painted or intact deck surface, concrete driveway, and intact siding. Minor deferred maintenance visible: deck paint peeling in places, leaf/debris in yard, some surface cracks on concrete. Listing advertises hardwood floors and an eat-in kitchen, implying interior is in reasonable condition. Missing interior photos create uncertainty about kitchen appliances and cosmetic wear, but no visible severe deterioration. Missing appliances would moderately reduce score but listing suggests move-in condition."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risks",
"score": 68.0,
"rationale": "No life-threatening hazards visible: roof appears intact with no sagging, exterior stairs have handrails, no standing water or collapsed elements observed. Key inspection items are unknown from photos: smoke detectors and CO alarms are not visible, GFCI presence in kitchen/bathrooms cannot be confirmed, bedroom egress windows can't be verified. Because the house was built in 1957, lead-based paint risk must be considered. Deck guardrail spacing and ledger attachment visible but not fully verifiable; these items may need verification/repair to meet code. Overall moderate risk: probable pass after addressing detectors and any minor code items."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, electrical, plumbing, roof, water heater)",
"score": 65.0,
"rationale": "Roof shingles look in serviceable condition with no visible active leaks from exterior photos. Electrical meter/connection appears present near the garage but electrical panel, GFCIs, and visible wiring were not shown. No HVAC equipment or furnace/heat pump is visible in photos; listing implies occupied recent use but systems are unknown. Basement/garage area looks intact but could have moisture or plumbing elements to inspect. Given lack of interior/system photos, assign a moderate score assuming typical functioning systems but recommend verification (service records or inspection)."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard, drainage, walkways",
"score": 75.0,
"rationale": "Lot is wooded and level-to-sloped with mature trees and an expansive backyard. Concrete driveway and walkways appear sound with only minor cracking. Siding, brick veneer, gutters and downspouts appear intact. Chain-link fence present in portion of yard. Potential issues: large trees close to the structure (risk of falling limbs), some yard debris/leaf accumulation, and signs of natural understory that may need routine clearing. No visible major foundation movement or exterior structural failure."
}
],
"red_flags": [
"No smoke detectors or carbon monoxide alarms visible in photos — NSPIRE fail risk if not installed/functional.",
"Potential lead-based paint risk (house built 1957) — requires disclosure and possible remediation procedures for families with small children.",
"Rear deck ledger/guardrail attachment and stair compliance cannot be confirmed from photos — may require repair to meet guardrail/height/spacing code.",
"Large mature trees close to house and deck — increased risk of falling limbs/damage and roof obstruction; recommend tree assessment.",
"Unfinished basement/garage area under the house — check for adequate egress, moisture intrusion, and safe stair access."
],
"confidence": 0.65,
"assumptions": [
"Interior condition (hardwood floors, kitchen condition) is at least fair–good as suggested by listing; no major interior water damage or structural issues concealed behind walls.",
"Basic utilities (electricity, water) are connected and functional; typical systems (central HVAC, water heater) are present though not photographed.",
"Kitchen appliances may be present (listing implies move-in comfort); if missing they are considered an easy-to-fix, capital-only item.",
"No active roof leaks or major foundation settlement beyond what is visible in exterior photos.",
"Photos represent current condition and are recent; seasonal leaf cover is not masking active site drainage problems."
],
"overall_score": 72.0,
"rubric_version": "2026-02-16-v1"
},
{
"summary": "Based on exterior photos and the listing text, the property appears generally well maintained and likely to pass an initial HCV/NSPIRE inspection after routine, short‑term fixes (deck surface repair/paint, yard clean‑up, verification/installation of required detectors and GFCIs if missing). Major structural failures are not visible. Key unknowns that could affect passability are interior smoke/CO detectors, condition of HVAC, water heater and electrical panel, and any interior moisture/mold or lead‑paint risk given the 1957 build year. With verification/repair of interior systems and installation or replacement of any missing safety devices, property should be rent‑ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 80.0,
"rationale": "Exterior photos show a well-maintained single-level ranch with intact siding, brick foundation, concrete driveway, and generally tidy yard. Deck and front ramp/porch are present; deck paint is worn/peeling in places and will need scraping/painting and a close check of fasteners. Yard needs minor cleanup (leaves, debris) and trimming. Listing text indicates interior hardwood floors and an eat-in kitchen; no interior photos show obvious deferred maintenance. No major cosmetic or structural failures visible. Missing/unknown interior appliances not visible but listing implies a functioning kitchen. Overall mostly minor, cosmetic repairs expected."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 70.0,
"rationale": "No obvious life‑threatening hazards visible from exterior photos: no collapsed ceilings, no standing water, foundation/cinderblock walls appear intact, exterior stairs and railings are present. The deck has guardrails; exterior stairs have handrails. However detectors (smoke/CO), GFCI outlets, electrical panel condition, interior handrails, egress windows, plumbing/hot water and interior trip hazards cannot be confirmed from photos and must be verified. Trees are very close to the roofline which raises risk of falling limbs and roof/gutter damage and should be addressed. No visible exposed wiring or obvious electrical hazards on the exterior. Because many NSPIRE items are interior-only, score reduced for unknowns."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC, Electrical, Plumbing, Roof)",
"score": 65.0,
"rationale": "Roof shingles visible in photos appear in serviceable condition with no obvious large patches of failure. The foundation and garage/basement walls appear intact. There is no outdoor condenser, furnace flue, or water‑heater visible in the provided photos — the presence and condition of HVAC, water heater, electrical panel, and plumbing systems are not shown and must be confirmed. The unfinished basement/garage under the house may present moisture or system access issues; stair and lower door access visible. Given unknowns for critical systems combined with an otherwise intact exterior, assign moderate risk pending mechanical verification."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 75.0,
"rationale": "Large wooded lot with mature trees provides privacy and usable backyard. Chain link fencing present in portions of the yard. Concrete driveway and walkways appear intact. Deck and exterior stairs appear structurally supported with posts in place. Some vegetation and undergrowth near the building and fence may encourage pests and will need routine maintenance. Several trees are directly adjacent to the house/deck — this is a site hazard to mitigate (pruning or removals). No visible erosion, standing water, or major foundation exposure in the provided images."
}
],
"red_flags": [],
"confidence": 0.6,
"assumptions": [
"Interior living spaces (hardwood floors, kitchen) described in listing are in fair/good condition; no visible severe interior damage inferred from exterior condition.",
"A functional heating/cooling system and water heater exist but their condition is unverified from provided photos.",
"Electrical service and panel are present and intact (no exposed exterior wiring noted); condition must be verified during inspection.",
"No active roof leaks or interior ceiling collapse (roof appears serviceable in photos).",
"No severe mold or major plumbing leaks exist inside the house (no external evidence of active leaks).",
"Lead-based paint risk is possible due to 1957 construction; exterior appears to be mostly vinyl/brick, but interior paint condition unknown."
],
"overall_score": 73.0,
"rubric_version": "2026-02-16-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "2720 2nd St NW, Center Point, AL, 35215",
"aggregate": {
"summary": "Based on exterior photos and listing text, the house appears generally well maintained and likely to pass a Section 8 (NSPIRE) inspection with a small set of easy fixes (verify/install smoke/CO detectors, confirm GFCI in kitchen/bath, verify functioning HVAC and hot water, clean under-deck and remove yard debris). Major structural or life-safety failures are not visible. Because no interior or mechanical photos were provided and the home was built in 1957 (lead-paint risk), some moderate unknowns remain and should be confirmed prior to leasing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 77.7,
"rationale": "Exterior photos show a generally well-kept ranch with intact siding, brick skirt, paved driveway, and maintained deck. Minor deferred maintenance visible: deck paint/finish peeling in places, some yard debris and leaf accumulation, and under-deck area with leaves/organic buildup. Front stairs and handrail intact. No interior photos to confirm flooring/cabinets/appliances; listing states hardwood floors and ample cabinets which suggests interior is in reasonable condition. Missing interior appliance condition is unknown — absence of interior images reduced score moderately but there are no visible major cosmetic failures on exterior."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 76.0,
"rationale": "Property sits on a wooded lot with a long paved driveway, intact concrete steps, and a usable elevated deck. Chain-link fence present in rear yard. Foundation (cinderblock) appears straight in photos with no obvious large cracks; garage door present and ground drainage appears to slope away from house toward driveway. Yard shows some natural debris and leaf build-up typical of wooded lots; under-deck area could use cleanup. Large trees close to the house present a maintenance/long-term risk but not an immediate structural sign of failure. Overall exterior/site condition is good but requires routine clean-up and tree maintenance."
},
{
"key": "safety_code",
"label": "Safety / Code Risks",
"score": 68.7,
"rationale": "No visible life-threatening hazards in exterior photos: stairs have handrails, deck railings present, driveway and walkways appear usable, no obvious roof sag or active leaks visible. No exposed wiring or damaged electrical equipment seen outside. However key NSPIRE items cannot be confirmed from photos: presence and placement of smoke detectors, carbon monoxide alarms (if required), GFCI protection in kitchen/bath, operable egress in bedrooms, and hot water/working plumbing. Property built 1957 — potential lead-based paint risk exists (pre-1978) though no peeling lead paint is visible from these images. Trees are close to the structure which raises risk of limb damage in storms. These unknowns reduce the safety score modestly but there are no visible immediate hazards."
},
{
"key": "systems_mechanical",
"label": "Systems / Mechanical Condition",
"score": 63.3,
"rationale": "Major systems (HVAC, water heater, electrical panel, plumbing) are not visible in available photos. Roof appears to be in serviceable condition with no visible sagging or missing shingles. Gutters present. There is an enclosed garage/basement area that should house mechanical equipment but condition is unknown. Absence of a visible outdoor HVAC condenser in supplied photos or interior mechanical images forces conservative scoring — failure of any major system would be an inspection-fail, but no active evidence of failure is shown. Estimated as moderate risk requiring verification/possible service."
}
],
"red_flags": [],
"confidence": 0.94,
"assumptions": [
"No interior photos provided — interior condition (flooring, drywall, kitchen appliances, bathroom fixtures, smoke detectors) is unknown. Listing copy referencing hardwood and cabinets is assumed accurate.",
"Major systems (HVAC, water heater, electrical panel) are present and serviceable but were not photographed; rated conservatively.",
"No obvious peeling lead-based paint observed externally, but property built in 1957 — assume lead-paint disclosure required and potential for localized paint hazards that need inspection/clearance.",
"Smoke and carbon monoxide detectors, GFCI protection, and bedroom egress are not visible; assume detectors may need installation or verification.",
"Basement/garage area may have moisture or storage debris but no evidence of collapsed structure or active standing water was seen in photos.",
"Yard is wooded with large trees; assume standard municipal setback/tree maintenance responsibilities for owner/manager."
],
"score_method": "mean_of_criteria",
"overall_score": 71.6,
"rubric_version": "ns-pire-assessment-2026-02-16-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "8964129080"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.