Property ID: 9076660347
176 Smith Ln, Grand Isle, LA, 70358
Grand Isle, LA
Money Down: $38,400
CoC Return: 4.57%
Monthly Cash Flow: $146
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$32,000
Closing Costs
$6,400
Total Down
$38,400
Investment Snapshot
Purchase Price
$160,000
Money Down
$38,400
Cash-on-Cash Return
4.57%
Rent
$1,253
Monthly Cash Flow
$146
Annual Cash Flow
$1,755
Debt Service / Mo
$852
Property Tax / Mo
$68
Insurance / Mo
$62
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$1,253
Payment Standard
$1,552
Rent
$1,253
Insurance
$62
Property Tax
$68
Management
$125
Utilities Allowance
$299
NOI (Monthly)
$998
Debt Service
$852
Cash Flow After Debt
$146
Quality Score: 65.30%
Confidence: 95.00%
Likely passable after modest corrections. The house is structurally raised appropriately and generally serviceable with working kitchen appliances visible, intact flooring, and a solid-looking deck/stairs. Primary inspection risks are missing/misplaced smoke & CO alarms, exposed wiring, and exterior deferred maintenance (peeling trim, collapsed shed). With installation of properly located smoke/CO alarms, addressing exposed wiring/GFCI at kitchen, and cleaning/removing the collapsed outbuilding, the property should be rent-ready within ~30 days.
Section 8 Payment Standard
$1,552
Utility Allowance Total
$299
Guaranteed Section 8 Rent (PS - Utilities)
$1,253
Property Management
$125
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$160,000
Beds
2
Baths
1
Living Area
800 sqft
Lot Size
13,504 sqft
Year Built
1996
Days on Market
111
Capital Outlay
$38,400
Debt Service
$852
Property Tax / Mo
$68
Insurance / Mo
$62
Property Description
This charming 2bed/1bath is nestled in mature oak trees. Enjoy the peaceful afternoons from your back porch overlooking serenity. The open kit/din/liv has space for additional sleeping quarters, as well as a bonus room can act as a 3rd walkthrough bedroom.
Utility Allowances
heating
$122
Property details specify 'Space Heater' as the heating source, which is electric. Selected the 'Electric' option from the schedule.
other_electric
$57
This is a standard allowance for lighting, outlets, and general electrical use in a 2-bedroom home.
water_heating
$44
The water heater type is not specified. Although natural gas is available, electric was chosen as it is the more expensive option, consistent with the instructions for ambiguous utilities.
cooking
$15
The cooking fuel type is not specified. Electric was selected over natural gas as it is the more expensive option, consistent with the instructions for ambiguous utilities.
water
$36
Property details indicate the water source is 'Public'. The allowance is based on the schedule for a 2-bedroom unit.
sewer
$0
Property details explicitly state the property uses a 'Septic Tank', so there is no public sewer utility cost.
trash_collection
$25
This is a standard, fixed allowance for trash collection for a single-family home.
Source References
Payment Standard Source
Effective Date:
Jan 01, 2025
Utility Allowance Source
Effective Date:
Jan 01, 2026
No utility allowance source links available.
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$748
DP3 Annual Estimate$748
DP1 Monthly Equivalent$62
DP3 Monthly Equivalent$62
Replacement Value$300,000
Basis800 sqft / 1996
Nearby Houses
Photo unavailable
162 Smith Ln
for_sale · 0.01 mi
Price: $175,000
2 bd / 2 ba · 865 sqft
Latest sale: —
Latest rent: —
Photo unavailable
Oak Ave Lot 4
for_sale · 0.08 mi
Price: $59,000
— bd / — ba
Latest sale: —
Latest rent: —
Photo unavailable
176 Holly Grove Dr
for_sale · 0.08 mi
Price: $225,000
4 bd / 3 ba · 1,152 sqft
Latest sale: —
Latest rent: —
Photo unavailable
176 Holly Grove Dr
off_market · 0.08 mi
Price: $225,000
4 bd / 4 ba · 1,240 sqft
Latest sale: —
Latest rent: —
Photo unavailable
108 Wolfpack Ln
for_sale · 0.11 mi
Price: $330,000
3 bd / 2 ba · 1,245 sqft
Latest sale: —
Latest rent: —
Properties Used for Comps
No comp properties were returned in this payload.
Risk and Criteria Detail
Red Flags
- success
- No visibly mounted smoke detectors/CO alarms in living spaces or bedrooms (potential NSPIRE fail).
- Visible exposed wiring near entry and under the house (electrical hazard).
- Collapsed/rotten outbuilding in the rear yard (site hazard/debris).
Assumptions
- No mounted smoke detectors or CO alarms were visible in photos; assume none or insufficient coverage unless owner confirms otherwise.
- Window AC units are the primary cooling and (if electric) heating may be limited — assume no central HVAC unless provided in listing.
- Exterior tankless water heater visible is operational; hot water availability is assumed but not verified.
- Electrical service/panel exists and is code-compliant but was not shown; assume typical older wiring with some exposed runs needing tidy/repair.
- Refrigerator may be non-functional (photo marked 'close Frig'); assumed possible repair or replacement needed.
- Deck, stairs and guardrails are assumed structurally sound based on photos but require on-site verification of fasteners/posts.
- Collapsed shed/outbuilding is considered a site hazard and will require removal.
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $787 | $54,300 | $5,430 |
| 2024 | $731 | $54,300 | $5,430 |
| 2023 | $659 | $45,300 | $4,530 |
| 2022 | $659 | $45,300 | $4,530 |
| 2021 | $329 | $22,000 | $2,200 |
| 2020 | $624 | $45,300 | $4,530 |
| 2019 | $632 | $45,300 | $4,530 |
| 2018 | $589 | $45,300 | $4,530 |
| 2017 | $589 | $45,300 | $4,530 |
| 2016 | $590 | $45,300 | $4,530 |
| 2015 | $571 | $45,300 | $4,530 |
| 2014 | $568 | $45,300 | $4,530 |
| 2013 | $568 | $45,300 | $4,530 |
| 2012 | $568 | $45,300 | $4,530 |
| 2011 | $309 | $22,500 | $2,250 |
| 2010 | $203 | $20,300 | $2,030 |
| 2009 | $301 | $22,500 | $2,250 |
| 2008 | $223 | — | $2,250 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2012-02-27 | Sold | — |
Photo Gallery
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"summary": "Likely passable after modest corrections. The house is structurally raised appropriately and generally serviceable with working kitchen appliances visible, intact flooring, and a solid-looking deck/stairs. Primary inspection risks are missing/misplaced smoke & CO alarms, exposed wiring, and exterior deferred maintenance (peeling trim, collapsed shed). With installation of properly located smoke/CO alarms, addressing exposed wiring/GFCI at kitchen, and cleaning/removing the collapsed outbuilding, the property should be rent-ready within ~30 days.",
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},
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"label": "Exterior & Site",
"score": 70.0,
"rationale": "Property sits on stilts (appropriate for coastal area) and the raised foundation/posts appear vertical and serviceable in photos (no obvious sag). The new-looking deck/stairs have guardrails and appear sturdy. Yard is mowed and drainage appears typical; no standing water observed. Exterior siding and trim show paint failure and weathering. There is a collapsed/rotten outbuilding or pile of debris at the rear which is a site hazard and should be removed. Under-house storage area is open but appears organized; some exposed utilities are visible. Overall a functional site with moderate exterior maintenance required."
}
],
"red_flags": [
"No visibly mounted smoke detectors/CO alarms in living spaces or bedrooms (potential NSPIRE fail).",
"Visible exposed wiring near entry and under the house (electrical hazard).",
"Collapsed/rotten outbuilding in the rear yard (site hazard/debris)."
],
"confidence": 0.7,
"assumptions": [
"No mounted smoke detectors or CO alarms were visible in photos; assume none or insufficient coverage unless owner confirms otherwise.",
"Window AC units are the primary cooling and (if electric) heating may be limited — assume no central HVAC unless provided in listing.",
"Exterior tankless water heater visible is operational; hot water availability is assumed but not verified.",
"Electrical service/panel exists and is code-compliant but was not shown; assume typical older wiring with some exposed runs needing tidy/repair.",
"Refrigerator may be non-functional (photo marked 'close Frig'); assumed possible repair or replacement needed.",
"Deck, stairs and guardrails are assumed structurally sound based on photos but require on-site verification of fasteners/posts.",
"Collapsed shed/outbuilding is considered a site hazard and will require removal."
],
"overall_score": 65.0,
"rubric_version": "ns-p-hcv-v1"
},
{
"summary": "Overall this elevated 2BR/1BA coastal cottage appears structurally intact and largely habitable with functioning appliances and a solid newly-built entry deck. Primary concerns for an initial Section 8 (NSPIRE) inspection are life-safety items and systems verification: absence of visible smoke and carbon monoxide detectors (required with gas appliances), visible/possible exposed wiring under the structure, and unconfirmed electrical panel and heating capability. Exterior paint/trim and a collapsed outbuilding are moderate repair items. With targeted corrections (install code-placed smoke/CO alarms, address exposed wiring, confirm safe gas venting and electrical service, remove collapsed shed, and touch up exterior trim) this property is likely to pass an initial inspection within ~30 days; as-is it carries moderate inspection risk.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repairs",
"score": 75.0,
"rationale": "Interior is generally lived-in and serviceable: intact hardwood floors, working range and refrigerator present, countertops and cabinets are worn/cosmetic but functional. Exterior paint and window trim show peeling and weathering. The raised deck and stairs appear recently replaced or in good condition. No collapsed interior surfaces observed. Missing or worn finishes and some cabinetry/trim work are easy-to-fix cosmetic items; appliances are present so missing-appliance penalty not applied."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 55.0,
"rationale": "Several NSPIRE safety items are unclear or potentially noncompliant: no smoke detectors or CO alarms are visible in interior photos (required, especially with gas stove and exterior tankless unit). Gas appliances are present (gas range and an exterior tankless water heater) which increases need for CO detectors and proper venting. Under-house wiring and cable runs are visible and some exterior wiring appears exposed — potential electrical hazard requiring inspection. Stairs and guardrails on primary entry deck appear present and secure. Bedrooms have windows but egress compliance cannot be confirmed from photos. No obvious active roof leaks, major water intrusion, or severe mold visible. Because of the missing/uncertain life-safety devices and visible wiring, this is a moderate inspection risk."
},
{
"key": "systems_mechanical",
"label": "Major systems & mechanical condition",
"score": 60.0,
"rationale": "Major systems show mixed evidence: a tankless water heater is mounted externally (likely gas, appears intact) so hot water likely available. Cooling/conditioned air appears to be via window units (visible in multiple rooms); no central HVAC or furnace is visible. Electrical service/panel not shown; visible wiring under the structure needs verification. Roof looks to be a metal roof in generally good visual condition. Plumbing beneath the structure is visible and appears intact in photos but not fully inspected. Because operational status of electrical panel, heating capability and gas connections cannot be confirmed, score is moderate."
},
{
"key": "exterior_site",
"label": "Exterior envelope & site condition",
"score": 70.0,
"rationale": "Yard appears maintained and usable; primary elevated structure is on posts with a concrete slab below and new-looking deck/stairs. Siding and trim show weathering and paint failure around window trim that should be addressed. There is a collapsed/derelict outbuilding or shed on the lot (visible in photos) that is a site hazard and should be removed. No obvious standing water observed in photos, but property is coastal and elevated on stilts (good for flood risk). Overall the envelope looks serviceable but needs exterior paint/trim and removal of the damaged shed."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms while gas appliances are present (CO hazard)",
"Visible/possible exposed electrical wiring under the structure and along exterior — potential electrical hazard",
"No visible central heating system (reliance on window units) — 'no visible heating system' risk that may fail inspection depending on local requirements",
"Collapsed/derelict outbuilding on the lot (site hazard)",
"Gas appliances and gas-fired tankless water heater present — gas connection and venting must be verified for safety"
],
"confidence": 0.6,
"assumptions": [
"No smoke detectors or CO alarms are present because none are visible in interior photos; they may exist but were not photographed.",
"The white box mounted on exterior is a gas tankless water heater and is operational; gas connection and venting functionality are assumed but not verified.",
"Heating is provided only by window units or space heaters (photos show window ACs) and there is no central forced-air furnace visible.",
"Electrical service/panel location and condition are not shown; assumed to exist but require verification. Visible wiring under the house may indicate non-code runs or unsecured cables.",
"Bedroom egress sizes cannot be confirmed from photos; assume they may meet basic egress but must be verified by measurement.",
"Interior plumbing (bathroom fixtures, hot water delivery) is assumed functional based on presence of water heater and visible sink, but no bathrooms were photographed to confirm.",
"Year built (1996) indicates low lead-paint risk, so lead-based paint is not assumed to be a major issue."
],
"overall_score": 65.0,
"rubric_version": "nsPIRE_v1.0_photo_assessment_2026-03"
},
{
"summary": "This raised coastal single‑family appears structurally serviceable with a recently built deck and largely intact interior finishes. Visible issues are mainly cosmetic (peeling exterior paint, worn kitchen cabinets). Major inspection risks are unknown/undocumented system and safety items: smoke/CO alarms, GFCI, electrical panel and wiring, and verification of heating/hot water operation and proper venting of gas equipment. With targeted verification/fixes (install detectors, GFCIs, confirm panel/wiring, confirm heating or provide acceptable heating), the property is likely to pass an initial HCV/NSPIRE inspection within 30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 75.0,
"rationale": "Interior appears lived-in but generally intact: hardwood floors in good visible condition, walls and ceilings serviceable, functional kitchen with range and refrigerator present. Exterior paint and window trim show peeling and weathering; some kitchen cabinets are heavily worn. Deck/stairs look recently replaced/newer and solid. Missing cosmetic repairs (paint, cabinet refinish/replacement, weatherproofing) expected but no large visible finish failures. Missing minor items (outlet covers, hardware) possible but not observed. Overall moderate cosmetic work only."
},
{
"key": "safety_code",
"label": "Safety & Code Risk",
"score": 60.0,
"rationale": "No active life‑threatening hazards visible (no collapsed ceilings, standing water, or obvious structural sag). Exterior stairs have handrails and guardrails. Bedrooms show windows for egress. However critical NSPIRE safety items are not documented in photos: no visible smoke detectors or carbon monoxide alarms, GFCI protection at kitchen/bath not visible, electrical panel not shown. Elevated structure on pilings requires verification of pier condition and secure connections. Window AC units present (cooling) but dedicated heating source not clearly visible. These unknowns reduce the safety score to a moderate pass risk without quick fixes/verification."
},
{
"key": "systems_mechanical",
"label": "Major Systems (HVAC / Electrical / Plumbing)",
"score": 55.0,
"rationale": "Major systems partly evidenced: window-mounted AC units observed in bedrooms and living spaces (likely functional cooling; some models provide heat but not verified). Exterior tank/box on wall suggests a gas water heater or instant water heater is present (hot water likely but unverified). No visible central HVAC or furnace; electrical service location/panel and wiring condition not shown. Plumbing fixtures (kitchen sink) appear intact. Given coastal location and raised foundation, plumbing/drainage and electrical routing under-house should be verified. Overall mechanical condition is uncertain and represents moderate inspection risk until systems are verified operational and properly vented/wired."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "House is elevated on pilings (appropriate for area). The deck and primary exterior stairs appear new or in good condition with guardrails. Metal roof looks intact in photos with no obvious missing sections. Siding and trim show weathering and peeling paint that should be addressed to prevent water intrusion. Under-house area is mostly open with a concrete slab — good for access, but some posts and bracing appear older and should be inspected for rot/fastener integrity. Yard and walkways appear clear and safe."
}
],
"red_flags": [
"No visible smoke detectors or carbon monoxide alarms in interior photos (required by NSPIRE).",
"No clear visible central heating system; only window AC units shown — heating method must be verified.",
"Potential exposed/loosely routed electrical wiring and service connections visible around exterior/under-house area — requires verification.",
"Exterior gas/water‑heater unit mounting and venting not documented — needs inspection to confirm safe installation and combustion venting."
],
"confidence": 0.7,
"assumptions": [
"Photos are recent and representative of the whole dwelling interior and exterior.",
"Hot water is available via the exterior-mounted water heater unit seen in photos, but operation and venting are unconfirmed.",
"Window AC units provide cooling; they may or may not provide electric heat—no dedicated central HVAC/furnace is visible.",
"Smoke and carbon monoxide detectors are either missing or not visible in provided photos; assume none are verified installed.",
"Electrical panel and overall wiring condition are not visible; assume typical older home wiring that requires verification (may need GFCI added in kitchen/bath).",
"Stairs and deck are visually sound in photos; assume proper fasteners and blocking but recommend physical inspection of ledger connections and tread condition.",
"No active roof leaks, major foundation movement, or collapsed structural members are visible in photos; assume none present unless discovered on-site.",
"No recent rental history available; rental_history_activity excluded from scoring."
],
"overall_score": 65.0,
"rubric_version": "ns-predictor-v1"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "176 Smith Ln, Grand Isle, LA, 70358",
"aggregate": {
"summary": "Likely passable after modest corrections. The house is structurally raised appropriately and generally serviceable with working kitchen appliances visible, intact flooring, and a solid-looking deck/stairs. Primary inspection risks are missing/misplaced smoke & CO alarms, exposed wiring, and exterior deferred maintenance (peeling trim, collapsed shed). With installation of properly located smoke/CO alarms, addressing exposed wiring/GFCI at kitchen, and cleaning/removing the collapsed outbuilding, the property should be rent-ready within ~30 days.",
"criteria": [
{
"key": "condition_repairs",
"label": "Condition & Repairs",
"score": 73.3,
"rationale": "Overall interior and exterior appear serviceable with cosmetic wear. Interior: intact flooring, working range and refrigerator present (fridge marked 'close Frig' in photo — may be out of service), older cabinets with peeling paint, kitchen counters serviceable. Exterior: elevated coastal stilt home with a newer-looking front deck/stairs and intact guardrails. Visible deferred maintenance includes peeling trim/paint around windows, weathered siding edges, and an old collapsed shed at the rear (yard debris). These are primarily cosmetic and moderate fix items; missing/uncertain appliance condition reduces score moderately but not fatally."
},
{
"key": "exterior_site",
"label": "Exterior & Site",
"score": 70.0,
"rationale": "Property sits on stilts (appropriate for coastal area) and the raised foundation/posts appear vertical and serviceable in photos (no obvious sag). The new-looking deck/stairs have guardrails and appear sturdy. Yard is mowed and drainage appears typical; no standing water observed. Exterior siding and trim show paint failure and weathering. There is a collapsed/rotten outbuilding or pile of debris at the rear which is a site hazard and should be removed. Under-house storage area is open but appears organized; some exposed utilities are visible. Overall a functional site with moderate exterior maintenance required."
},
{
"key": "safety_code",
"label": "Safety & Code Risk (NSPIRE)",
"score": 56.7,
"rationale": "Several NSPIRE-relevant items are unclear or missing from photos. I do not see mounted smoke detectors or CO alarms in bedrooms/living spaces (one round detector is pictured sitting on a counter — not mounted). No clear evidence of GFCI protection at kitchen sink. Some exposed wiring is visible near the entry and under the house which could be an electrical hazard. Entry door appears to have a latch but deadbolt presence is not confirmed. Bedrooms appear to have egress windows. No visible active roof leaks, collapsed ceilings, or major foundation movement. Because of likely missing/misplaced smoke/CO alarms and visible exposed wiring, safety risk is moderate and would likely require correction to pass an initial NSPIRE/HCV inspection."
},
{
"key": "systems_mechanical",
"label": "Systems & Mechanical",
"score": 60.0,
"rationale": "Major systems appear present but are partially unknown from photos. Roof appears to be metal and in decent visible condition with no obvious sagging. Heating/cooling appears to be room/window AC units (visible in bedrooms) rather than a central HVAC system — acceptable in mild climates but should be verified operational. Exterior tankless-style water heater is visible on the side (suggests hot water present), plumbing risers are visible under the house. Electrical service/panel is not shown; some wiring runs visible under the house. No visible active plumbing leaks or standing water. Mechanical rating reduced due to lack of visibility into panel, unknown appliance operational status, and exposed wiring."
}
],
"red_flags": [
"No visibly mounted smoke detectors/CO alarms in living spaces or bedrooms (potential NSPIRE fail).",
"Visible exposed wiring near entry and under the house (electrical hazard).",
"Collapsed/rotten outbuilding in the rear yard (site hazard/debris)."
],
"confidence": 0.95,
"assumptions": [
"No mounted smoke detectors or CO alarms were visible in photos; assume none or insufficient coverage unless owner confirms otherwise.",
"Window AC units are the primary cooling and (if electric) heating may be limited — assume no central HVAC unless provided in listing.",
"Exterior tankless water heater visible is operational; hot water availability is assumed but not verified.",
"Electrical service/panel exists and is code-compliant but was not shown; assume typical older wiring with some exposed runs needing tidy/repair.",
"Refrigerator may be non-functional (photo marked 'close Frig'); assumed possible repair or replacement needed.",
"Deck, stairs and guardrails are assumed structurally sound based on photos but require on-site verification of fasteners/posts.",
"Collapsed shed/outbuilding is considered a site hazard and will require removal."
],
"score_method": "mean_of_criteria",
"overall_score": 65.3,
"rubric_version": "ns-p-hcv-v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "9076660347"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.