Listingprobe

Skeptical property due diligence

The listing says two units. The assessor says one.

Paste a listing URL or an address. We read the public record and the listing, underwrite at the rents the street actually pays, and hand back a verdict, the red flags behind it, an offer range — and what we could not verify.

Free plan includes 1 lifetime research preview. No card. Read the full sample report

One address in

Verdict · sample report

48 Larchmont Terrace, Newark
Negotiatelow confidence
Asking
$699,500
Recommended offer
$490,000–$520,000

What decided it

  • DSCR 0.81 at realistic rents — the loan does not fund
  • Listing says 2 units; the assessor records 1
  • Basement described as a potential extra dwelling

Composite sample: real numbers, anonymised.

Full report
  • Any US residential address
  • Deep public records, market by market
  • Coverage expands as sources are verified · see the map

The actual output

This is the report, not a picture of one.

Rendered by the product’s own components, from the same engines, on a real property asking $699,500. Nothing here can say something the report would not.

A real property's numbers, anonymised — the address, parcel and source records are fictitious, and every date is shifted by a constant offset that leaves the intervals between them unchanged. Published as 48 Larchmont Terrace, Newark NJ 07106.

One of the 25 findings, expanded exactly as the report expands it — explanation, what would resolve it, the evidence the rule fired on, and the records behind it.

Listing · claimed

2units

Marketed as a 2-unit property.

Assessor · recorded

1unit

Building description: “2SF3UG”.

Deal-breakers

1Walk, or make the whole offer conditional on resolving it.

The listing markets this as a 2-unit property. The assessor records 1 — the building description reads "2SF3UG", which decodes as two-story, single family, 3-car unattached garage. If the additional unit is not legal, the income case collapses: you would be underwriting one unit's rent against the whole purchase price, and a lender will not fund a unit that does not legally exist. Assessor descriptions do go stale, so this is strongly suggestive rather than conclusive — but the burden of proof sits with the seller, and the answer changes the value by hundreds of thousands of dollars.

What to verify

  • The certificate of occupancy establishing the legal unit count — the document, not the agent's word.
  • The zoning and permit history from the municipal construction-code office.
  • A public-records request for all permits, inspections and certificates on the parcel.
  • The assessor's classification of neighbouring parcels on the same block, to check how the code is used locally.

Evidence

classification.assessorUnits
1
classification.listingClaimedUnits
2
assessor.useCode
2SF3UG
classification.legalUnitsBestEstimate
1
SourcesEssex County assessor recordNJ Treasury county equalization tableEssex County revaluation statusus-rental-screen reference (vendored)Listing page — national aggregatorListing page — listing brokerage+2 more

Transaction forensics

Relisted 11 days after sale, up 39.9%

  1. $500,000

    Sold, 30 Jun 2026

  2. $699,500

    Relisted, 11 Jul 2026

It sold for $500,000 on 2026-06-30 and was relisted at $699,500 on 2026-07-11. That is a $199,500 markup — up 39.9% — in 11 days. The short holding period and markup warrant verification, but do not establish the work performed, its cost or the seller's profit.

Whose DSCR?

“DSCR” names two tests. At $699,500 on $5,200/mo realistic rents, this building fails one and clears the other.

NOI ÷ debt service
0.81 covers debt service
Below the 1.15 floor and the 1.00 most lenders require. A deal-breaker; 25 findings.
gross rent ÷ PITIA
1.21 covers PITIA
Clears the same 1.15 floor — but 24 findings remain, 1 still a deal-breaker, and the verdict is still Negotiate.

The report follows the test your lender actually underwrites to, rather than printing a ratio under a heading that does not say which.

The other 24 findings, the rent reality check, the scenario matrix, Newark’s rent control, the tax intelligence and all 10 items this report could not verify are in the full sample report — 19 sources, no sign-up.

How it works

Four steps, and the two that take time say so.

No data feed, no licensed MLS access. It reads the same public records a careful buyer would, in the same order, and then does the arithmetic properly.

  1. Step 1Listing
  2. Step 2Records
  3. Step 3Engines
  4. Step 4Verdict
  1. Paste a listing URL or an address

    A listing URL is better: it gives the pipeline the seller’s own claims to check against the record — square footage, unit count, the rent projection, the remodel year.

  2. The pipeline reads the public record and the listing

    The listing page is fetched and rent comparables gathered, wherever the property is. Where the market’s records are wired, the address resolves to a parcel and the assessor, sale and transfer history, and permit feeds are read from their own sources.

    Expect two to six minutes, not seconds. Records are fetched one at a time and politely, and the job reports its progress. Anything claiming to be instant is not reading a county record.

  3. Deterministic engines underwrite it

    Rent basis, operating expenses, the scenario matrix, coverage ratios, price ceilings and every red-flag rule are ordinary tested code. The language model’s only job is turning pages into typed facts.

    The model never does the arithmetic. Same facts, same bytes, every time — which is what makes a checked-in sample report possible.

  4. You get a verdict, the flags, an offer range and a checklist

    Buy, Negotiate to a range, Walk, or Insufficient data — with the rule that produced it, the findings that decided it, and a recommended offer with conditions attached.

    And a list of what could not be verified — 10 items on the sample, each with why it matters and how to check it. They become a checklist you work through.

What makes it different

A calculator multiplies your inputs. A listing site republishes the seller’s.

Neither one goes and checks. Deals go wrong on a unit that does not legally exist, a renovation nobody permitted, a rent projection a quarter above what the street pays, and a tax bill that moves the day the deed records.

  • Assessor versus listing

    Unit count, square footage, use code, year built and improvement value, cross-checked against what the listing markets. Where they disagree, the disagreement is the finding.

    Listing says 2 units; the assessor records 1. The income case depends on which is right.

  • Transaction forensics

    The recorded sale history read for signatures, not printed as a table: flip velocity, prices outside the trades around them, long escrows closing far under ask, relistings that reset days-on-market.

    Bought at $500,000, relisted 11 days later up 39.9%. Little work is possible in eleven days.

  • Municipal regulation, not state summaries

    Rent control and whether it binds at this unit count, vacancy decontrol, just cause, registration and inspection, lead paint — municipality first, then county, then state, each with its citation and the date last checked.

    Whether rent control binds here is contested. Rental registration and inspection regime applies.

  • Tax intelligence

    The assessment against its neighbours, the equalization ratio, revaluation risk, and — where the jurisdiction reassesses on transfer — the bill at the price actually paid, on every row of the scenario matrix.

    Assessed at $277,100 against a $699,500 ask, and at 1.88× the neighbouring parcels.

  • What it could not verify

    Every report ends with what could not be established from a screen, ranked by how much it matters, each with how to check it and who to call. An estimate is labelled an estimate wherever it appears.

    The legal unit count, and the certificate of occupancy that would establish it.

  • The list of 10 unresolved items is the part most products leave out.

    And the part a buyer actually acts on. A report with nothing on that list has not understood the question.

Coverage

Works nationwide. Deepest where we’ve wired the public records.

Every US residential address gets the listing read and cross-checked, rent comparables, deterministic underwriting, the red-flag rules, a verdict and an offer range. What varies is how deep the public record goes — parcel, assessor, sale and transfer history, permits, tax, municipal regulation — and that is wired one market at a time.

Read from the market adapters and the roadmap file when this page is built: it cannot promise a source that is not wired, and it labels a plan as a plan.

  • Alaska: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Maine: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Wisconsin: deep public records now.
  • Vermont: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • New Hampshire: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Washington: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Idaho: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Montana: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • North Dakota: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Minnesota: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Illinois: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Michigan: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • New York: deep public records now.
  • Massachusetts: deep public records now.
  • Oregon: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Nevada: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Wyoming: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • South Dakota: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Iowa: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Indiana: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Ohio: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Pennsylvania: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • New Jersey: deep public records now.
  • Connecticut: deep public records now.
  • Rhode Island: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • California: deep public records now in 3 of 58 counties.
  • Utah: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Colorado: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Nebraska: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Missouri: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Kentucky: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • West Virginia: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Virginia: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Maryland: deep public records now.
  • Delaware: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Arizona: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • New Mexico: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Kansas: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Arkansas: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Tennessee: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • North Carolina: deep public records now in 68 of 100 counties.
  • South Carolina: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • District of Columbia: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Oklahoma: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Louisiana: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Mississippi: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Alabama: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Georgia: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Hawaii: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Texas: the research pipeline: listing, rent comparables, underwriting, red flags, verdict and offer range. No public-records adapter yet.
  • Florida: deep public records now.

North Carolina county records and current coverage limits

Deep now
7 states
Deep in part
2 states
Dated roadmap
0 states
Everywhere else
41 states and DC

Report-reachable regulation sources are wired through the California, Connecticut, Florida, Maryland, Massachusetts, New Jersey, New York City, New York State, North Carolina, Wisconsin market adapters. The detailed table below states each adapter’s statewide or local boundary; a curated rule with no adapter is not presented as report coverage.

Dated coverage roadmap

No market currently has a published delivery month. We add one here only when the work has a real, dated commitment.

No dated market launch today.

The live map and table above remain the source of truth for what is already wired.

Help choose what gets wired next.

If your county is a plain tile, tell us. Coverage expands as public sources are verified, and requests help set the order.

  1. Deep now

    Wisconsin, New York, Massachusetts, New Jersey, Connecticut, Maryland and Florida

    Parcel identity and the assessor record resolve across the whole state, or across the counties holding at least four in five of its homes; public sale and transfer histories, permits, tax intelligence and municipal regulation are read from each market’s available sources as far as they reach, and the table below counts how far — equalization ratios and municipal ordinances are curated municipality by municipality.

  2. Deep in part

    California and North Carolina

    An adapter that answers part of a state — the counties whose records are open, not the rest. Inside its boundary the report is as deep as the tier before; outside it, the state gets the research pipeline.

  3. Dated roadmap

    No market currently scheduled

    There is no dated market commitment to advertise today. Coverage expands only after a source is verified and wired; request a market to help set the order.

  4. Everywhere else

    The other 41 states and DC

    The full research pipeline and every red-flag rule that needs no public record. No assessor, sale/transfer or permit depth yet — and the report names each check it could not run rather than filling the gap with an average.

What “deep” means, row by row — 10 markets; every tick, count and dash an adapter’s own manifest

One column per market with an adapter — 10 today. Every tick, every count and every dash is the adapter’s own manifest: a tick is read across the whole market, a count is how many of the state’s counties or municipalities the source reaches, a dash is not yet.

Which public-records sources each market can read today
What gets checkedCaliforniaConnecticutFloridaMarylandMassachusettsNew JerseyNew York CityNew York StateNorth CarolinaWisconsin
Parcel identity5 of 58 counties169 of 169 municipalities67 of 67 countiesReadReadReadReadRead68 of 100 counties72 of 72 counties
Resolving the address to the block and lot the public record files it under, so every later lookup is about this building and not a neighbour.California: Parcel identity resolves in the counties counted here. The share is of California's housing units, per the Department of Finance's Report E-5, 1 January 2026.Connecticut: The Connecticut GIS Office publishes parcel geometry for all 169 municipalities in one standardized layer.Florida: The official 2025 DOR cadastral FeatureServer enumerates all 67 county property appraisers; exact-address safety gates still refuse ambiguous, unjoined, and unsupported related-condominium rows.North Carolina: NC OneMap publishes all 100 counties, but the reviewed 2026-09-06 snapshot has 68 counties within Listingprobe's 120-day transform-observation contract. The other 32 are classified upstream transformation gaps through 2026-10-06; their rows fail closed.Wisconsin: Wisconsin V12 publishes situs and state-qualified parcel identity across all 72 official counties; malformed, ambiguous, non-parcel, and source-contract-drifted rows fail closed.
Assessor record3 of 58 counties169 of 169 municipalities67 of 67 countiesReadReadReadReadRead68 of 100 counties72 of 72 counties
The assessed value, the building description and the use code — the record that disagreed with the listing about the unit count.California: Fewer counties than a parcel resolves in: two of those publish an address and a parcel number and no valuation. The share is of California's housing units, per the Department of Finance's Report E-5, 1 January 2026.Connecticut: The September 2026 statewide layer contains assessment rows in all 169 municipalities, including Woodbridge. Lebanon retains a 2023 CAMA collection while the other 168 towns carry 2026; row-level dates and missing facts remain explicit.Florida: The official 2025 DOR layer retains county-qualified just, school/non-school assessed and taxable values across all 67 counties; it is an annual roll, not a live county assessment site.North Carolina: Parcel values retain each county producer's verbatim value type. Only the 68 counties within the reviewed transform-observation window are accepted; all 32 classified upstream gaps, plus any missing or newly stale fields, are refused rather than inferred.Wisconsin: The reviewed V12 contract accepts only the 2025 tax roll across all 72 counties. Missing, historical, future, conflicting, or arithmetically inconsistent values are withheld.
Sale history3 of 58 counties169 of 169 municipalities67 of 67 counties24 of 24 counties324 of 351 municipalitiesReadRead1 of 994 municipalitiesNot yetNot yet
Recorded transactions, which is what makes flip velocity, price outliers and long-escrow discounts detectable at all.California: Three county rolls expose one dated field, never a chain or price; a closed roll may omit later transfers. The share is of California's housing units, per the Department of Finance's Report E-5, 1 January 2026.Connecticut: OPM annual sales cover all 169 towns across the latest five grand-list years in aggregate; individual town-years may be absent after revaluation, and every row is reconciled to the resolved situs and unit.Florida: The official 2025 DOR cadastral layer publishes up to two selected NAL sale segments per exact parcel across all 67 counties; qualification, completeness, and annual-rollover gates apply.Maryland: Up to three SDAT-published transfer segments for the exact resolved account; not complete deed or title history.Massachusetts: MassGIS/BLA FY2023 LA3 sales cover 324 municipalities in the published past-fiscal-year viewer; all others fail closed.New York State: The City of Rochester publishes the current transfer attached to each parcel. The statewide ORPTS Sales Web has ten years but requires an interactive security challenge, so it is not automated; the local layer is a snapshot, not a complete history.
Permits and certificate checks2 of 483 municipalities1 of 169 municipalities2 authorities; statewide total unresolved3 of 180 authorities3 of 351 municipalitiesReadRead3 of 994 municipalities1 of 550 municipalities1 of 1933 authorities
The construction-permit feed and, only where the named source covers it, whether a certificate of occupancy has been issued.California: Parcel-queryable city records are read only for Los Angeles and San Francisco; California's current 483-city total includes Mountain House, incorporated in 2024, and there is no statewide feed.Connecticut: Hartford is the first accepted municipal authority, with three contiguous official Accela feeds covering records opened from 2011 onward. Stamford remains discovery-only until a stable public record-query contract is verified.Florida: Two verified automated authorities. Florida's actual statewide authority denominator remains unresolved: the registry has 478 government discovery paths (67 county/unincorporated paths plus 411 incorporated municipalities), with 474 paths still unresolved; it does not present the three relationships proven so far as a statewide total.Maryland: Three verified automated local authorities out of Maryland's official 180-jurisdiction permit denominator (23 counties plus 157 municipalities): Baltimore City, Montgomery County, and Prince George's County. Incorporated places inside the two counties are excluded unless their issuing relationship is separately proven.Massachusetts: Parcel/MBL-verified municipal construction records are read for Boston, Cambridge, and Worcester; Massachusetts has no statewide permit feed.New York State: Official city open-data services are read only for Buffalo, Rochester and Syracuse; Syracuse currently carries a publisher warning that its feed is not updating correctly.North Carolina: The City of Raleigh is the first automated NC permit authority. Coverage is 1 of 550 official incorporated municipalities; an official point-in-boundary match is required, and a postal city never selects the feed. County and other municipal paths remain unsupported.Wisconsin: One of 1933 county, city, village, town, and Nation authority paths has a verified machine-readable source: the City of Green Bay's issued short-term-rental permit snapshot. It is one permit type, not statewide or complete construction-permit coverage; every other authority remains unsupported.
Tax intelligence1 of 58 counties167 of 169 municipalities6 of 67 counties0 of 24 counties1 of 351 municipalities564 of 564 municipalitiesRead0 of 994 municipalities100 of 100 counties1905 of 1913 authorities
Equalization ratios, effective rates and whether the assessment follows a sale — what the bill becomes at the price you pay.California: Los Angeles County exposes each parcel's Tax Rate Area and publishes the annual ad-valorem schedule. The share is of California's housing units, per the Department of Finance's Report E-5, 1 January 2026.Connecticut: The retained OPM FY2027 table provides a positive base rate matching the uniform CAMA collection year in 167 of 169 towns. Canterbury's source rate is zero and withheld; Lebanon's CAMA collection is older. Every actual tax join also requires the exact town and grand-list year; unmatched years withhold the projection until the matching rate table is retained.Florida: The checked 2025 inventory covers all 67 counties and pins 67 DOR artifacts. Buyer context is enabled only for nine fully extracted and decomposed chains across six counties; 61 explicit source gaps are withheld, with no county-average fallback.Maryland: Standard accounts map statewide; unmapped special classes and ad-valorem districts fail closed.Massachusetts: DLS/MassGIS FY2027 overlap: 1 municipality; all others fail closed.New Jersey: Equalization ratio and effective rate on file for the municipalities counted here, generated from the Division of Taxation's published tables and checked against the certified PDFs; elsewhere the report carries no local ratio.New York State: Estimates require exact roll codes and no H/N/S class marker. School-level class elections prevent complete municipality coverage; village levies, special districts and seller exemptions remain local outside exact supported records. Nassau parcels may add exact LandRecord bills, but unsupported print-key shapes keep the complete count at zero.North Carolina: NCDOR's reviewed FY2026-2027 workbook publishes a county levy rate and reappraisal schedule for all 100 counties. A report still requires an accepted parcel identity, and this county-only rate is never presented as a complete tax bill.Wisconsin: Wisconsin DOR publishes 1913 county-qualified municipal tax-district pieces for 2025; 1905 carry a nonzero full-value rate and can join to an exact V12 municipality and regular-school code. Thirty-six reviewed county/place aliases cover source-label differences without fuzzy matching. Empty split pieces and every missing or contradictory join fail closed.
Municipal regulation26 of 483 municipalities40 of 169 municipalities5 of 478 authorities4 of 180 authorities5 of 351 municipalities20 of 564 municipalitiesRead28 of 994 municipalities0 of 550 municipalities0 of 1933 authorities
Rent control and whether it binds at this unit count, just cause, rental registration and inspection, lead paint.California: State law is always included; the count is the explicit local ordinance table, with unincorporated Los Angeles County tracked separately.Connecticut: Current statewide landlord rules apply in all 169 towns. The local researched layer covers 40 municipalities: 39 proven fair-rent commissions plus Stamford, with detailed rental licensing or turnover-certificate rules for Hartford, New Haven, Bridgeport, and Stamford.Florida: Current Florida residential-tenancy statutes apply statewide. Five primary-source-verified local paths add material licensing rules: unincorporated Miami-Dade, Miami, Fort Lauderdale, Orlando, and Tampa; every other local path remains explicitly uncurated.Maryland: Current local layers are curated for Montgomery County, Prince George's County, Takoma Park, and Baltimore City, over a statewide layer and an authoritative 24-county-equivalent / 157-municipality resolver.Massachusetts: 5 municipalities have a primary-sourced local layer; all other places are explicitly statewide-only.New Jersey: Curated municipal regulation files exist for the municipalities counted here; this is not a claim that every local ordinance topic has been exhaustively surveyed, and statewide rules apply everywhere in New Jersey.New York State: Statewide HSTPA rules apply everywhere; local coverage is explicitly counted from current HCR Good Cause and ETPA participants plus researched registration cities. County nodes do not imply county-wide adoption.North Carolina: Current Chapter 42 duties and remedies apply statewide across all 100 counties. Local ordinance coverage remains 0 of 550 official incorporated municipalities until a primary ordinance is independently sourced, effective-dated, and exact-jurisdiction matched.Wisconsin: Current Chapter 704 and ATCP 134 duties, remedies, and state-law preemption apply statewide. Local ordinance coverage remains 0 of 1933 generated county, city, village, town, and Nation authorities until a primary ordinance is effective-dated and exact-jurisdiction matched.
Rent comparables from a public recordNot yetNot yetNot yetNot yetNot yetNot yetNot yetNot yetNot yetNot yet
Signed leases from a public source. No market has this: comparables everywhere come from national listing portals, which publish asking rents.

California

California (five county parcel registries; Los Angeles and San Francisco city permit feeds)

  • California assesses under Proposition 13, so the value on a county's assessment roll is what the present owner paid indexed at no more than 2% a year, not an estimate of what the property is worth today. It resets to the price paid when the property changes hands, so what a buyer would owe is set by their own purchase price rather than by anything the roll holds against the present owner.
  • California publishes no statewide property record: each of its 58 county assessors publishes on its own terms. This report reads the county sources named in its own sources list; where a county publishes only a search page for people, the parcel is not identified here at all and the county assessor's site is where to look next.
  • Rent comparables are gathered from national listing portals, not from a California public record, and are asking rents rather than leases.
  • In the California counties this report can read, it reads two things: which parcel the address is and, in the counties whose assessor publishes values, what the assessment roll holds against it — two of the five publish a parcel number and no valuation at all, so a missing assessment here can mean a county that publishes none rather than a search that came back empty. Alameda, Los Angeles and San Francisco publish one transfer or recording-date field on a county roll snapshot, without a price or earlier chain; a roll snapshot may omit transfers recorded after it closed. San Diego and Sacramento publish no transfer field. City construction records are read only for Los Angeles and San Francisco; their absence elsewhere below is not evidence that no approval was required. State landlord rules are read for every covered California address. A local layer is added only for the municipalities named in this adapter's curated table; elsewhere, the absence of local rules means this service has not curated that city, not that the city imposes none. The local housing department and county recorder are where to settle those remaining gaps before an offer.

Connecticut

Connecticut (OPM statewide parcel and CAMA layer)

  • Connecticut OPM supplies parcel identity and assessment rows in all 169 municipalities. Collection years differ: Lebanon retains 2023 CAMA data, while the other 168 towns carry 2026; geographic coverage is not a claim that every assessment is current.
  • The source's derived address fields are not trusted: resolution uses validated situs fields, town, postcode when supplied, and refuses conflicting or duplicate records.
  • OPM FY2027 municipal real-property rates are retained separately from district rows and flat charges; a buyer-price figure is withheld when the report year is newer, the CAMA collection year is missing or does not match the retained grand list, a district is unresolved, or the parcel does not prove ordinary 70% residential assessment.
  • OPM sales are annual grand-list reports rather than a live deed index or complete title chain; individual municipality-years may be absent after revaluation, and non-use or unknown status never becomes a confirmed arm's-length comparable.
  • Current statewide landlord rules apply in all 169 towns; local fair-rent adoption is attached only for 39 proven commissions, and the first detailed licensing or occupancy-certificate layers cover Hartford, New Haven, Bridgeport, and Stamford.
  • Hartford municipal building permits are checked across the official 2011-2014, 2015-2019, and 2020-current feeds; the other 168 towns, including discovery-only Stamford, are not claimed.
  • HUD FY2026 Fair Market Rents cover all 169 legal towns through HUD's town-level New England geography as a broad voucher-program cross-check; they are not live asking-rent comparables.
  • Owner and mailing fields in the public CAMA source are neither read nor retained by Listingprobe.
  • Rent comparables continue to come from national listing portals and are asking rents rather than signed leases.

Florida

Florida (statewide DOR cadastral assessment roll)

  • Florida parcel and assessment facts come only from the official DOR 2025 statewide cadastral FeatureServer and retain that assessment year while the checked-in 2026 roll files await a query-layer rollover.
  • Address resolution is exact, locality-qualified, bounded, and deterministic; a missing or conflicting locality, duplicate account, truncated page, malformed row, or ambiguous unit is refused.
  • Miami-Dade and St. Johns condominium rows that depend on DOR's separate related tables remain unavailable until that join is independently verified; the adapter never borrows a base polygon for a unit.
  • Owner, fiduciary, and mailing columns are neither requested nor parsed. The statewide source does not publish bedrooms or bathrooms, so none are inferred.
  • Florida tax context requires an exact county + TAX_AUTH_C adopted chain. It keeps school and non-school bases separate, excludes non-ad-valorem charges, and withholds a buyer bill because asking or sale price is not the appraiser's future just-value determination.
  • Sale context is limited to up to two DOR-published NAL segments from roll 2025 and is never described as complete sale, deed, or title history; the 2026 preliminary SDF release is tracked separately during rollover.
  • Permit automation is limited to exact City of Miami folios beginning 01 and unincorporated Miami-Dade folios beginning 30. County and city feeds are never borrowed across an authority boundary; unsupported and unresolved paths remain explicit.
  • Miami-Dade County's automated GIS permit window is only the last three years, while the City of Miami feed begins in 2014. Empty results are limited-window no-matches, not proof that no permit exists; certificate coverage remains unconfirmed.
  • The current 2026 Florida Residential Landlord and Tenant Act applies statewide. Local law is added only for five exact DOR PointMatch jurisdictions; a postal city, unknown place, stale source, or failed exact-address lookup cannot select a local rule.
  • HUD FY2026 Fair Market Rents cover all 67 counties as a gross-rent voucher-program reference; they are not live asking-rent comparables or subject-property estimates.

Maryland

Maryland (statewide SDAT assessor accounts)

  • Maryland SDAT and the Department of Planning publish one public-domain monthly table covering all 23 counties and Baltimore City; each report cites the portal snapshot read.
  • The statewide table intentionally hides protected owner names, and Listingprobe neither reconstructs nor supplements them.
  • Maryland tax context uses the current statewide SDAT fiscal-year rate table and exact county/town/class mapping; current-owner Homestead Credit fields are disclosed but never transferred to a buyer projection.
  • Maryland exposes up to three SDAT-published transfer segments for the exact resolved account; No Data, non-arm's-length, multiple-account, and malformed segments never become comparable-sale claims.
  • Maryland construction records are automated only for Baltimore City, Montgomery County, and Prince George's County; the official 180-authority denominator remains visible and unsupported incorporated places fail closed.
  • Permit final dates are not treated as certificates of occupancy, and an empty supported-source query means no matching record was returned rather than no permit exists.
  • Maryland local landlord-law layers are curated only for Montgomery County, Prince George's County, Takoma Park, and Baltimore City; other places receive the current statewide layer without guessed local claims.
  • HUD FY2026 Fair Market Rents cover all 24 county-equivalents as a broad voucher-program cross-check; they are not live asking-rent comparables or subject-property estimates.
  • Rent comparables come from national listing portals rather than a Maryland public record and are asking rents rather than signed leases.

Massachusetts

Massachusetts (MassGIS statewide assessor parcels)

  • MassGIS standardizes the parcel and valuation extract each city and town supplies, and the fiscal year can differ by municipality; the source beside each value states the year actually read.
  • MassGIS' annual FY2023 LA3 report supplies assessor-verified sales for 324 municipalities; it is a past-fiscal-year view rather than live registry/title history, so recent closings may be absent.
  • Municipal construction records are read only for Boston (2015 onward), Cambridge (applications from November 2017), and Worcester (2015 onward); every other municipality is a known non-attempt.
  • None of those three municipal files establishes certificate-of-occupancy coverage; a missing certificate remains an unverified item.
  • The forward tax estimate uses DLS FY2027 class rates only when the MassGIS assessment is from the same fiscal year and its use code is unambiguously Class One residential.
  • Local landlord rules are included only for the five municipalities with a primary-sourced curated layer; every other city or town is labelled Massachusetts statewide-only.
  • Rent comparables come from national listing portals rather than a Massachusetts public record and are asking rents rather than signed leases.
  • HUD FY2026 Fair Market Rents cover all 351 municipalities as a broad voucher-program cross-check; they are not live asking-rent comparables.

New Jersey

New Jersey (NJParcels assessor + DCA permit database)

  • Rent comparables are gathered from national listing portals, not from a New Jersey public record, and are estimates rather than leases.
  • Equalization ratios and effective tax rates are generated from the Division of Taxation's published tables and checked against the certified PDFs, and carry a citation rather than a live retrieval.
  • Equalization ratios and effective tax rates are on file for all 564 New Jersey municipalities, and curated municipal ordinances for 20 municipalities in Atlantic, Camden, Essex, Hudson, Mercer, Middlesex, Passaic and Union Counties; elsewhere in New Jersey a report carries the statewide rules and no researched local ordinance.

New York City

New York City (GeoSearch + PLUTO + DOF assessment roll + ACRIS + DOB permits)

  • New York City does not reassess a property when it is sold, so the tax figures in this report are what the seller pays now rather than a projection off the purchase price. What can move the charge is the assessment phase-in cap, not the sale.
  • Rent comparables are gathered from national listing portals, not from a New York public record, and are asking rents rather than leases.
  • New York required no occupancy certificate for buildings erected before 1938, and the city's published file of them only opens in 2012, so for an older building this report draws no conclusion from the absence of one either way. Order it from the Department of Buildings for the parcel if how many homes the building legally contains matters to the deal.
  • The annual property tax figure is arithmetic over two Department of Finance publications — its billable assessed value and its published class rate — because New York issues no per-parcel statement as open data, and the class rate available may be a fiscal year or two older than the assessment roll. Confirm the figure against the seller's own statement before underwriting on it.

New York State

New York State (ORPTS statewide assessment roll)

  • New York's statewide assessment roll publishes the property class, the assessed value and the state's own full market value, but no living area, no year built and no count of dwellings — so nothing in the public record here contradicts or confirms what the listing says the building contains.
  • The assessed value on the roll is a fraction of market value set by each municipality, and this report divides the two figures the roll publishes to state that fraction rather than quoting the rate the state publishes separately.
  • Recorded transfers are read only for Rochester, where the official parcel layer publishes one current snapshot rather than a complete history; the statewide ten-year portal requires an interactive security challenge and is left for a person to consult.
  • The forward property-charge estimate uses ORPTS's prior-cycle full-value county, city or town, and school components only when the parcel's exact assessing-unit and school codes match and the roll carries no H/N/S class-tax marker. It is withheld for class-tax and village or other subsection parcels because the state table publishes only a blend or omits an additional local levy; special-district charges and seller exemptions still require the local collector's current statement.
  • For an unambiguous Nassau print key, the official LandRecord page adds the current and prior school, county, town, special-district and direct-assessment rows. The report keeps the actual charge separate from seller exemption savings that may not transfer; unsupported parcel-number shapes remain unavailable.
  • Construction records come from separate city services only in Buffalo, Rochester and Syracuse. Every other municipality is unsupported rather than treated as having no filings; Syracuse itself warns that its published data is not updating correctly.
  • Every report quotes the statewide HSTPA rules. Current HCR Good Cause and ETPA opt-ins and researched registration regimes are added only when the municipality can be pinned; an unsupported municipality is not treated as rule-free.
  • Rent comparables for a New York property outside the city come from national listing portals rather than from any public record, and are asking rents rather than signed leases.

North Carolina

North Carolina (NC OneMap parcel and assessment spine)

  • NC OneMap physically aggregates all 100 county producers plus the Eastern Band of Cherokee Indians; the reviewed 2026-09-06 snapshot has 68 counties within the 120-day transform-observation contract. The 32 overdue county observations remain explicit, time-bounded upstream gaps and are refused rather than presented as current.
  • OneMap parcel-value semantics vary by producer. Listingprobe retains the source's verbatim value type and never turns every county's value into a universal market-value claim.
  • Unit-qualified rows must match the requested unit exactly. A unit-less address over separately assessed units and a requested unit that only finds a parent lot are both refused.
  • Owner, mailing, legal-description, source-document and subsurface fields in OneMap are never queried or retained.
  • NC OneMap's last-sale date is shown only as date provenance: the layer publishes no consideration or transfer qualification, so it never becomes a comparable sale and statewide sale-history capability remains unavailable.
  • Current Chapter 42 landlord duties, remedies, deposit rules, notice safeguards, and G.S. 42-14.1 local-law preemption apply statewide. Local ordinance coverage is 0 of 550 official municipalities; a postal city, ETJ, military, tribal, ambiguous, or withheld boundary row never invents local law.
  • North Carolina permit history is available only for official boundary-proven City of Raleigh parcels, from the city feed reviewed from 2000-02-22 through 2026-09-11. The other 549 municipalities and every county/unincorporated path remain unsupported.
  • HUD FY2026 Fair Market Rent is available as an informational 40th-percentile gross-rent reference for all 100 exact parcel-established counties. It is neither a live listing comparable nor evidence of achievable rent, and metro labels never resolve geography.
  • NCDOR's statewide rate is a county levy only. Listingprobe labels price arithmetic as an estimated county levy and never substitutes it for the assessor's parcel bill or a complete buyer tax total.

Wisconsin

Wisconsin (V12 parcel, assessment and DOR tax context)

  • Wisconsin V12 parcel and 2025 assessment coverage reaches all 72 counties, subject to exact situs, locality, unit, source-manifest, and state-qualified identity validation.
  • Total assessed, land, improvement, managed-forest-land, and estimated fair-market values retain their distinct source meanings; missing values are not filled and contradictory arithmetic is refused.
  • Owner and mailing fields are never queried or retained.
  • Wisconsin DOR offers a redacted RETR sales search and historical downloads in My Tax Account, but the browser portal has no documented unauthenticated parcel API, pagination limit, or refresh-consistency contract. Parcel-level sales history therefore remains unavailable; grantor, grantee, contact, and financing data are never retrieved or retained.
  • Current Wisconsin landlord duties, remedies, and local-law preemption apply statewide. The generated registry contains 1933 local authorities, but local ordinance coverage remains 0; unmatched, stale, tribal, or otherwise ambiguous geography never invents a local rule.
  • Permit coverage is local only: 1 of 1933 authority paths. Green Bay's source contains issued short-term-rental permits only, renews annually, and never confirms absence of construction permits or certificates of occupancy.
  • HUD FY2026 Fair Market Rent is available as an informational 40th-percentile gross-rent reference for all 72 exact parcel-established counties. It is neither a live listing comparable nor evidence of achievable rent, and metro labels never resolve geography.
  • Wisconsin V12 supplies the parcel's reported net/gross tax, while DOR's municipal effective full-value rate supplies a separately labelled buyer-price estimate. The municipal rate is an average and can differ across school or special-purpose district boundaries.

Outside the deep markets: a thinner report, labelled as such.

No adapter means no parcel lookup, assessor record, sale history or permit feed — so the assessor-versus-listing check, the transaction forensics and the certificate-of-occupancy question cannot run. What remains is the research pipeline over what the listing and the open web publish, in the same typed facts and the same engines, with the regulation entries applied where the knowledge base has the jurisdiction. Every check that could not run is named in the report’s “what could not be verified” list — “no permits found” and “this market has no permit source” are different sentences, and one of them is a red flag.

Pricing

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  • Every other finding by title and severity
  • Transaction history, taxes and local rules
  • Checklists with your own notes
  • PDF export of everything above, watermarked
  • Public sample reports, in full

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The free report is a real report — the verdict’s call, its confidence and what decided it, the deal-breakers in full with their evidence, every other finding by title, the transaction history, the taxes and the local rules. Pro adds what you act on: the offer range, every finding’s evidence, the underwriting, the rent comparables and the offer strategy. The public sample needs no account at all.

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Questions

The six worth asking before you pay.

Is this investment advice?

No, and the report says so on every copy: “Market research and financial modelling, not investment advice. Every figure here needs verifying against primary documents before you commit — particularly the certificate of occupancy, the rent control status and the current tax bill.”

What it is: market research and financial modelling. Facts from public records and the listing, each with its source and retrieval date or labelled unverified; deterministic arithmetic over them; and a published rule set whose every verdict records the rule that produced it. It is not registered to give advice, does not know your tax position, and never tells you what to do with your money — it tells you what the record says and where the record and the listing disagree.

Which markets does it cover?

Any US residential address gets a report: the listing read and cross-checked, rent comparables, deterministic underwriting, every red-flag rule that needs no public record, a verdict and an offer range.

What varies is how deep the public record goes. In New Jersey and New York City the report also resolves the parcel and reads the assessor record, the public sale and transfer history, the permit and occupancy-certificate files and — where curated, which the coverage table under the coverage map counts municipality by municipality — the tax mechanics and municipal ordinances.

No market currently has a published delivery month. Coverage expands as public sources are verified. Everywhere else the report is thinner and says so. Requests help set the order — request yours.

Where does the data come from?

Public records and the listing itself, never a licensed feed. In every market: the listing page as the seller published it, the national portals’ asking rents for the comparables — labelled estimates, because they are asking rents rather than signed leases — and the curated regulation knowledge base wherever the jurisdiction matches. In the deep markets, the public record on top: for New Jersey the NJParcels assessor record, the statewide construction-permit database and the Treasury equalization tables; for New York City the City Planning address directory and PLUTO, the Finance assessment roll, ACRIS deeds, the Buildings permit and occupancy-certificate files, and HPD’s multiple dwelling register; and for New York State outside the city, the ORPTS assessment roll statewide, with the recorded transfer source currently limited to Rochester, permit services available in Buffalo, Rochester and Syracuse, and a forward tax estimate available where the parcel’s assessment-unit and school codes match a usable ORPTS levy row. The coverage table gives those partial counts rather than turning any of them into a statewide tick.

Every fact carries the URL it came from and the date it was fetched, or it is on the unverified list — the sample cites 19 sources. Two operating lines are estimates by construction, because nobody publishes an insurance premium or a water bill per address; both are marked “estimated” and both step aside when you enter a real quote.

What happens when a listing portal blocks you?

It is recorded and the report tells you. Portals refuse automated requests routinely, so the listing is resolved in layers — the URL you pasted, other portals carrying the same property, then listing text you paste in yourself — and the report records which layer answered. It never implies a page was read when none was.

No headless browser, no rotated user agents, no proxy pool. A refusal is answered with another portal, your own copy of the listing, or an honest gap. The public-records half — assessor, sale and transfer history, permits, tax, regulation — is unaffected, and in the deep markets that is where the deal-breakers usually are.

How current is the regulation data?

Every rule carries the date it was last checked against its primary source, printed beside it in the report and on the public regulation pages. Anything not re-verified within 180 days is marked stale on sight, computed when you read the page rather than by a job that might not run.

Entries are human-reviewed and live as checked-in records as well as in the database. Ordinances still change faster than any database: the citation is there so you can open the ordinance yourself, and the report asks you to.

Can I cancel?

Any time, from the billing page. Cancelling means the subscription does not renew — you keep Pro until the end of the period you paid for, then the account is Free again. Nothing is deleted: your properties, reports and checklists stay readable, and you go back to one lifetime preview. the verdict's call, and the deal-breakers in full.

If a card fails, the account keeps its plan for 7 days while the payment is retried, rather than locking you out on the morning of a closing.

The difference between $699,500 and $490,000 is one afternoon of reading records.

That is one property. Run yours before you write the offer, not after the inspection.

1 lifetime research preview on the free plan, no card. Coverage expands as public sources are verified. See current depth.