Significant Concerns IdentifiedPreliminary report

Salt Lake City, UT

1123 S 400 E

$645,9003 bd · 2 ba1,832 sqftBuilt 1938

Recommended next step

Tour carefully and verify before offering

Tour and verify Offer strategy Questions to ask

Data confidence46%

1123 S 400 E, Salt Lake City, UT photo 1

1123 S 400 E, Salt Lake City, UT photo 2

1123 S 400 E, Salt Lake City, UT photo 3

IncentiPayment

$5,846/mo

Mortgage, taxes, insurance and reserves

Estimated 5-yr exposure

$34,459

Planning reserve for repairs

Suggested offer range

$625,000 – $635,000

vs. list price of $645,900

Data confidence

46%

Listing, public records and photos only

AI analysis

The property presents a charming exterior with a well-maintained garden, but the systems such as the 35-year-old roof, windows, and 25+-year-old HVAC highlight significant deferred maintenance concerns. The interior is welcoming, with good maintenance evident from the hardwood floors and modern kitchen finishes. However, the potential for high future costs diminishes its immediate financial attractiveness, affecting the overall value perception.

Score breakdown

Six pillars

46 /100

Property Condition

Physical condition of major systems — roof, HVAC, water heater, windows, appliances, plumbing, and electrical.

10/25

Relative Condition

How this property's systems compare to similar homes in the neighborhood. Newer systems than typical = bonus points.

8/15

Financial Efficiency

IncentiPayment cost: mortgage + taxes + insurance + HOA + estimated maintenance reserve + mechanical reserve.

12/20

Market Value

How the list price compares to expected market value. Underpriced = higher score.

9/15

Future Cost Exposure

Estimated 5-year repair and replacement costs — roof, HVAC, water heater, appliances, and windows.

2/15

Buyer Fit

How well this property's risk profile matches the buyer's financial reserves and situation.

5/10

80–100

Lower observed risk

60–79

Moderate observed risk

40–59

This home · Verification recommended

0–39

Significant concerns

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Questions to ask before you offer

Buyer cash reserves not provided — Buyer Fit scored as neutral
Estimated/Reported: Roof and windows may be approximately 35 years old — potential near-term replacement. Verify using seller disclosures, permits, receipts, on-site photos, or inspection records.
25+-year-old HVAC system indicating nearing end-of-life cycle.
[MODELED] High modeled 5-year exposure is ~$34,459. Use this as a planning reserve until system condition is confirmed with photos, disclosures, or inspection docs.
[MODELED] Lifecycle model shows elevated 5-year exposure for roof (~$11,372), HVAC (~$7,587), water heater, but this is assumption-based until confirmed by photos, disclosures, or inspection documents.
$34,459 in estimated future cost exposure can be leveraged for price negotiations.

Confidence engine

Preliminary

46%

data confidence

Based on listing data, public records, and photos only.

How to read this report

Every finding is tagged with how we know it, so you can separate what's known from what's estimated.

Observed

Visible in a listing or uploaded photo.

Reported

From the listing, disclosures, receipts or public record.

Modeled

Estimated from age, location, or typical lifespan.

Unverified

Needs on-site or document confirmation.

IncentiScore™

IncentiScore™ — AI-Powered Home Intelligence

This report was generated using IncentiScore AI. Scores are based on available listing data and IncentiScore's proprietary six-pillar model.

Generated August 31, 2026 · Report ID: bf0a74b6 · Questions? support@incentiscore.ai