NAVRA™Sample
NAVRA™ Sample Report
This sample shows how a completed NAVRA™ report can help agents and sellers review pre-listing condition, insurance, financing, and deal-risk factors before a property goes live.
Report Header
NAVRA™ Preliminary Report
Seller Pre-Listing Risk Snapshot
Created: March 15, 2025, 10:30 AM
Overall Score
72
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Sample NAVRA™ cover artwork—on a live saved report you would typically use a listing photo here.
Prepared By
Prepared By
Sample branding
Claire Connor
Real Estate Advisor | NAVRA Sample Agent
Northeast Florida | Jacksonville | St. Augustine
claire@coastalsamplerealty.com
(904) 555-1212
Know the risk before you list.
Claire Connor is a NAVRA sample agent serving Northeast Florida. She uses NAVRA to help sellers identify pre-listing risk factors that may affect buyer confidence, insurance, financing, negotiations, and closing momentum — before those issues become contract problems.
Sample agent branding shown for demonstration purposes.
Property Snapshot
123 Sample Oak Lane
Fernandina Beach, FL 32034
Asking Price: $650,000
Year Built: 1998
WDO / Pest: Prior treatment unknown; seller noted fascia wear
Windows / Doors: Fogged panes on south elevation
Permits: Older addition; documentation incomplete
Solar: System present; financed; transfer package pending
Smoke / Odor: Noticeable odor in primary bedroom; nicotine staining on closet shelving
Financing Type: VA
Executive Summary
123 Sample Oak Lane
Fernandina Beach, FL 32034
Asking price: $650,000
Financing: VA
Overall NAVRA™ Score
72
Risk tier
High
Condition score
61
Financing friction
Elevated
VA
Top watch items
Key takeaways
- High risk means one or more items could create insurance, financing, inspection, negotiation, or contract fallout concerns.
- Roof age/type may create insurance, negotiation, or buyer-confidence concerns.
- WDO, wood rot, or pest concerns may warrant review before listing.
Recommended next steps
- Review roof age, permit history, and any available roof documentation before listing.
- Discuss WDO or wood rot concerns with the seller and consider a WDO inspection or contractor input.
- Review fogged window concerns and consider whether repair estimates or disclosure notes would help reduce friction.
- Review permit history for additions, conversions, or older improvements before the property goes live.
- Request the solar payoff/transfer package before going live, including current payoff, loan or lease terms, assumption requirements, UCC/fixture filing information, warranty transfer details, and recent system production history if available.
- Consider addressing smoke odor or staining before listing through appropriate cleaning, painting/sealing, HVAC filter replacement, duct evaluation if needed, carpet or soft-surface review, and professional odor remediation where appropriate. Document any completed remediation so it can be discussed clearly during listing preparation.
This preliminary snapshot combines property condition, additional deal-risk signals, and selected offer-stage financing sensitivity. Risk indicators are not confirmed defects.
Disclosure note: NAVRA is designed to help agents and sellers identify pre-listing risk indicators and preparation priorities. It does not determine what must be disclosed. Known property conditions should be reviewed separately with the seller, broker, and appropriate professionals.
Deal-risk adjustment
Additional deal-risk adjustment: 11 · Financing adjustment: 4
Component Risk Snapshot
Higher bars highlight where this model sees stronger condition or documentation signals—not a pass/fail judgment on the home.
Key Risk Drivers
Key Risk Drivers
- Roof age/type may create insurance, negotiation, or buyer-confidence concerns.
- WDO, wood rot, or pest concerns may warrant review before listing.
- Fogged windows or seal concerns may create inspection or buyer-confidence friction.
- Permit history concerns may create documentation, appraisal, financing, or closing friction if records are not confirmed.
- Solar documentation concerns may create financing, title, negotiation, or closing friction if ownership and transfer details are unclear.
- Smoke odor or interior odor concerns may affect buyer confidence, showing feedback, inspection conversations, or remediation negotiations if not addressed before listing.
- Septic, well, drainfield, or private utility concerns may create inspection, financing, insurance, buyer-confidence, or closing friction if documentation or system condition is unclear.
- Pool or spa concerns may create inspection, repair, insurance, safety, or buyer-confidence friction if condition, equipment, or service history is unclear.
- The selected financing type may increase sensitivity to condition-related concerns once an offer is received.
Recommended Pre-Listing Actions
Recommended Pre-Listing Actions
- Review roof age, permit history, and any available roof documentation before listing.
- Discuss WDO or wood rot concerns with the seller and consider a WDO inspection or contractor input.
- Review fogged window concerns and consider whether repair estimates or disclosure notes would help reduce friction.
- Review permit history for additions, conversions, or older improvements before the property goes live.
- Request the solar payoff/transfer package before going live, including current payoff, loan or lease terms, assumption requirements, UCC/fixture filing information, warranty transfer details, and recent system production history if available.
- Consider addressing smoke odor or staining before listing through appropriate cleaning, painting/sealing, HVAC filter replacement, duct evaluation if needed, carpet or soft-surface review, and professional odor remediation where appropriate. Document any completed remediation so it can be discussed clearly during listing preparation.
- Request available septic, well, pump-out, water quality, permit, utility, or service records before listing. Consider appropriate inspection or professional review if system age, function, drainfield condition, water quality, or utility status is uncertain.
- Gather pool/spa service records, equipment details, known repair history, permit information, and any recent inspection or leak evaluation before listing. Consider professional review if equipment, surface condition, leaks, safety barriers, or enclosure issues are uncertain.
- Use financing sensitivity as an offer-stage tool once buyer financing terms are known.
Detailed Score Breakdown
Detailed Score Breakdown
Condensed component views—scores reflect what was entered in this analysis and do not replace inspections or lender-specific guidance.
Roof
High Risk / 70- Input
- Shingle roof, 16 years old
- What this means
- A roof at this age and type often raises insurance, buyer-confidence, or contract-timing questions in Florida transactions. Expect questions even when the roof is still shedding water.
- Why it matters
- Age and documentation gaps can shift buyer perception, insurer review, and negotiation leverage regardless of day-to-day performance.
- Suggested action
- Review roof records, permit history, and any available documentation. Consider a roof certification or contractor opinion before listing so you can respond clearly to buyers and insurers.
WDO / Pest
High Risk / 70- Input
- Prior treatment, documentation unclear
- What this means
- WDO / pest (Prior treatment, documentation unclear) is a high-visibility issue in Florida deals—often tied to moisture paths, wood damage, and retreatment expectations.
- Why it matters
- Buyers and insurers may react strongly because damage can be hidden and costly to trace.
- Suggested action
- Organize treatment records, warranties, and repair scopes. Plan factual conversations with inspectors rather than minimizing unknowns.
Permits
High Risk / 65- Input
- Addition permit gap
- What this means
- Permits (Addition permit gap) can slow appraisals, underwriting, or closing when work history does not line up with county records.
- Why it matters
- Permit history that is not fully confirmed may create lender and buyer sensitivity if documentation gaps remain.
- Suggested action
- Pull municipal permit history, closing documents for prior improvements, and written responses where gaps exist.
Solar Panels / Financing
High Risk / 65- Input
- Solar system financed or leased
- What this means
- Solar risk indicator (Solar system financed or leased) can affect financing, title, and closing timelines when payoff, transfer terms, or UCC filings are unclear.
- Why it matters
- Solar systems may carry separate contracts or liens that buyers and lenders expect to be resolved before closing.
- Suggested action
- Request payoff and transfer documentation early, including loan/lease terms, assumption requirements, UCC or fixture filing details, and warranty transfer info.
Smoke Odor / Interior Odor
High Risk / 60- Input
- Noticeable smoke odor or nicotine staining
- What this means
- Smoke or interior odor risk indicator (Noticeable smoke odor or nicotine staining) may affect buyer perception, showing feedback, inspection conversations, and remediation negotiations. This is not necessarily a confirmed defect.
- Why it matters
- Buyers often notice odor and staining early, which can shape offer interest and repair requests before closing.
- Suggested action
- Consider pre-listing cleaning, sealing/painting where appropriate, HVAC filter replacement, duct evaluation if needed, soft-surface review, and professional odor remediation. Document completed work for seller conversations.
HVAC
Moderate Risk / 45- Input
- 14 years old
- What this means
- HVAC age is signaling enough attention that buyers may ask about efficiency, refrigerant, or upcoming replacement costs.
- Why it matters
- Systems that still run can still drive concessions when buyers fear surprise replacements.
- Suggested action
- Document recent service, note known repairs, and align disclosure language with what you can prove.
Water heater
Moderate Risk / 45- Input
- 12 years old
- What this means
- Water heater age is elevated enough that buyers may ask about remaining life and leak risk before closing.
- Why it matters
- Moderate scores often reflect age bands where prudent buyers budget replacement within the ownership horizon.
- Suggested action
- List age on disclosure, summarize service, and separate cosmetic rust from active leaks.
Septic / Well / Private Utility
Moderate Risk / 40- Input
- Septic/well present, documentation or service history unclear
- What this means
- Septic / well / private utility risk indicator (Septic/well present, documentation or service history unclear) suggests moderate pre-listing review so documentation and utility status are clear before marketing.
- Why it matters
- Even routine septic or well systems can create buyer questions when pump-out dates, permits, or water quality details are not handy.
- Suggested action
- Gather pump-out receipts, well or septic permits, utility availability notes, and any prior inspection summaries with the seller.
Windows / Doors
Moderate Risk / 35- Input
- Some fogged units
- What this means
- Windows / doors (Some fogged units) may generate moderate inspection notes around operation, weather sealing, or hardware.
- Why it matters
- Small opening issues can multiply across many units in the same floor plan.
- Suggested action
- Clarify what is cosmetic versus functional; obtain ballpark repair ranges where buyers will ask.
Pool / Spa
Moderate Risk / 35- Input
- Pool/spa present, condition or service history unclear
- What this means
- Pool / spa risk indicator (Pool/spa present, condition or service history unclear) suggests moderate pre-listing review so condition and maintenance history are documented before showings.
- Why it matters
- Buyers may ask about pumps, heaters, surface wear, or enclosure condition even when the pool appears usable.
- Suggested action
- Confirm recent service, equipment brands/models, and any known leak or repair history with the seller before listing.
Electrical
Moderate Risk / 30- Input
- Federal Pacific panel noted
- What this means
- Electrical risk indicator (Federal Pacific panel noted) suggests moderate attention during buyer diligence. Concerns may be localized but still show up on inspection reports.
- Why it matters
- Buyers often widen electrical scopes once one red flag appears, even when most of the home is fine.
- Suggested action
- Document known upgrades, permits for prior work, and realistic repair ranges so negotiations stay fact-based.
Plumbing
Low Risk / 20- Input
- Minor leak history
- What this means
- No major issue was flagged based on the current inputs.
- Suggested action
- Revisit if inspection findings, seller disclosure, or documentation identify concerns.
Financing Sensitivity
Moderate Risk / 40- Input
- Selected financing: VA
- What this means
- Financing type changes how closely appraisers and underwriters may scrutinize condition, documentation, and repair timelines. This score reflects sensitivity—not loan approval odds.
- Why it matters
- Offer-stage friction often spikes when property facts do not match what the selected program expects.
- Suggested action
- Align disclosures and repair priorities with likely appraisal and underwriting checkpoints for this financing path. Update the analysis if the buyer’s financing changes.
Disclaimer
NAVRA™ is a preliminary pre-listing risk review and decision-support tool. It is not a home inspection, contractor evaluation, insurance underwriting decision, lending decision, appraisal, seller disclosure statement, or legal opinion.
NAVRA™ may identify risk indicators based on property characteristics, selected inputs, and Florida-focused transaction considerations. Risk indicators are not the same as confirmed defects.
Sellers and agents should not use NAVRA™ to avoid, minimize, or replace required disclosure obligations. Sellers should complete any seller disclosure documents based on their actual knowledge, property history, repairs, reports, professional evaluations, and applicable legal requirements. Agents should consult their broker and/or legal counsel when questions arise about whether a known condition should be disclosed.
Current NAVRA™ scoring guidance is Florida-focused and may not reflect insurance, lending, legal, or market conditions in every state or transaction.