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
• listing photos and visible condition cues
• included appliances and obvious missing appliances
• flooring mix, especially whether carpet is present

Photo and condition review

Always look at the listing photos when they are available. Do not rate a property only from structured text.

Required photo-access workflow

When the source site exposes listing photos, prefer the most accessible all-photos view first. This can be:

• a scrollable all-photos page
• a photo grid
• an expanded photo list
• or, if necessary, a modal gallery/lightbox

Use web-automation for this. Preferred process:

1. Open the listing page.
2. Click the photo entry point such as See all photos, See all 29 photos, Show all photos, or the main hero image.
3. If that opens a scrollable all-photos view, grid, or photo page that clearly exposes the listing images, use that directly for photo review.
4. Only use next-arrow / slideshow traversal when the site does not provide an accessible all-photos view.
5. If you must use a modal/lightbox, verify that you are seeing distinct images, not just a gallery preview tile or repeated screenshot of the first image.
6. Review enough images to cover the key rooms and exterior, and for smaller listings aim to review all photos when practical.
7. If photo access fails or is incomplete, say so explicitly and do not claim that you reviewed all photos.

Minimum honesty rule: never say you "looked at all photos" unless the site actually exposed the full set and you successfully reviewed them. A gallery landing page, collage preview, repeated first image, or a single screenshot of the listing page does not count as full photo review.

What to inspect in the photos

At minimum, note:

• overall finish level: dated, average, lightly updated, fully updated
• kitchen condition: cabinets, counters, backsplash, appliance quality
• bathroom condition: vanity, tile, surrounds, fixtures
• flooring: tile, vinyl, laminate, hardwood, carpet
• whether carpet appears in bedrooms, stairs, or living areas
• obvious make-ready issues: paint, damaged trim, old fixtures, mismatched finishes, worn surfaces
• visible missing items: refrigerator, washer/dryer, range hood, dishwasher, etc.
• any signs of deferred maintenance or water intrusion visible in photos
• exterior/common-area condition when visible
• balconies, decks, sliders, windows, and waterfront-facing elements for condos/townhomes near water

If photo review is incomplete

If photos are weak, incomplete, blocked, or the gallery automation fails:

• say so explicitly
• lower confidence
• avoid strong condition claims
• do not infer turnkey condition from marketing text alone

Normalization / make-ready adjustment

Estimate a rough make-ready budget when condition is not turnkey. The goal is not contractor precision; the goal is apples-to-apples comparison.

Use simple buckets and state them as rough ranges:

• light make-ready: paint, fixtures, minor hardware, patching
• medium make-ready: flooring replacement in some rooms, appliance replacement, bathroom refresh
• heavy make-ready: major kitchen/bath work, widespread flooring, obvious deferred maintenance

Call out carpet separately. If carpet is present, estimate replacement or removal cost as part of the make-ready note.

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.