stef-openclaw-skills/skills/property-assessor/SKILL.md

name, description

name

description

property-assessor

Assess a real property from an address or listing URL and produce a decision-grade summary. Use when a user wants fair value, comps, rental or STR viability, carry-cost review, HOA or insurance risk analysis, or offer guidance for a condo, house, townhouse, or similar residential property. Prefer when the task should discover and reconcile multiple listing sources from a street address first, then give a buy/pass/only-below-X verdict.

Property Assessor

Start from the property address when possible. Treat listing URLs as supporting evidence, not the only source of truth.

Inputs

Accept any of:

• a street address
• one or more listing URLs
• an address plus user constraints such as investment only, owner-occupant, long-term rental, STR, or distance to a target location

Core workflow

1. Normalize the address and property type.
2. Discover accessible listing or public-record sources for the same property.
3. Establish a baseline fact set from the best available source.
4. Cross-check the same property on other sites.
5. Pull same-building comps for condos or nearby comps for houses/townhomes.
6. Underwrite carrying cost with taxes, HOA, insurance, and realistic friction.
7. Flag risk drivers before giving a verdict.
8. End with a specific recommendation: buy, pass, or only below X.

Source order

Prefer this order unless the user says otherwise:

1. Zillow
2. Redfin
3. Realtor.com
4. HAR / Homes.com / brokerage mirror pages
5. county or appraisal pages

Use the web-automation skill for rendered pages and anti-bot-heavy sites. Use web_search sparingly to discover alternate URLs, then return to web-automation for extraction.

Minimum data to capture

For the target property, capture when available:

• address
• ask price or last known list price
• property type
• beds / baths
• sqft
• lot size if relevant
• year built
• HOA fee and included services
• taxes
• days on market
• price history
• parking
• waterfront / flood clues
• subdivision / building name when applicable
• same-building or nearby active inventory

Underwriting rules

Always show a simple carrying-cost view with at least:

• principal and interest if available from the listing
• taxes per month
• HOA per month if applicable
• insurance estimate or note uncertainty
• realistic effective carry range after maintenance, vacancy, and property-specific risk

Treat these as strong caution flags:

• high HOA relative to price or expected rent
• older waterfront or coastal exposure
• unknown reserve / assessment history for condos
• many active units in the same building or micro-area
• stale days on market with weak price action
• no clear rent support

Output format

Keep the answer concise but decision-grade:

1. Snapshot
2. What I like
3. What I do not like
4. Comp view
5. Underwriting / carry view
6. Risks and diligence items
7. Verdict with fair value range and offer guidance

Reuse notes

When condos are involved, same-building comps and HOA economics usually matter more than neighborhood averages. For detailed heuristics and the reusable memo template, read references/underwriting-rules.md.