NAVRASample

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.

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NAVRA Preliminary Report

Seller Pre-Listing Risk Snapshot

Created: March 15, 2025, 10:30 AM

High Risk

Overall Score

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Sample NAVRA cover artwork—on a live saved report you would typically use a listing photo here.

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

Likely Financing Type: VA

Prepared By

Coastal Key Realty

Sample logo

Jordan Ellis

Coastal Key Realty

Northeast Florida

jordan@example.com

(904) 555-0148

Pre-listing insight for smarter selling.

Overall Risk Summary

This sample property shows elevated pre-listing risk based on roof age, WDO concerns, fogged windows, and possible permit questions. The financing selection adds some offer-sensitivity because certain loan programs may be more condition-sensitive once an offer is received.

Overall NAVRA Score

Risk Tier

High

Condition Score

Additional Deal-Risk Adjustment

Financing Adjustment

Component Scores

Roof Risk

High

HVAC Risk

Moderate

Water Heater Risk

Moderate

Electrical Risk

Moderate

Plumbing Risk

Low

WDO / Pest Risk

High

Windows / Doors Risk

Moderate

Permits Risk

High

Financing Risk

Moderate

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 failed seals may create inspection or buyer-confidence friction.
Permit or unpermitted work concerns may create documentation, appraisal, financing, or closing friction.
The selected financing type may increase sensitivity to condition-related concerns once an offer is received.

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.
Use financing sensitivity as an offer-stage tool once buyer financing terms are known.

Score Explanations

These component scores are directional planning signals to help prioritize conversations before listing. They are not a substitute for formal inspections or underwriting determinations.

Roof

Roof age and type often show up early with insurers and buyers in coastal markets. Here the score reflects older materials plus limited documentation—worth clarifying before photos and showings ramp up.

HVAC

HVAC is in a mid-range band: not an automatic red flag, but service history and a quick systems check can prevent inspection surprises.

Water Heater

Similar to HVAC—age is nudging sensitivity. Receipts for recent service or a plumber's once-over can calm buyer questions.

WDO / Wood Rot / Pest

When treatment history is fuzzy or wood components show wear, it helps to align on a WDO strategy early so the listing story stays confident and factual.

Windows / Doors

Failed seals read as "deferred maintenance" to buyers. Small repairs or clear disclosure notes can keep negotiations on track.

Permits

Gaps in permit history can slow appraisals or underwriting. Pulling municipal records up front saves last-minute scrambles.

Financing & Offer Sensitivity

VA paths can be especially documentation- and condition-aware. Treat this score as a heads-up for offer-stage conversations once financing terms are known—not a prediction of loan approval.

Disclaimer

NAVRA is a preliminary decision-support tool. It is not a substitute for professional inspections, contractor evaluations, insurance underwriting, lending review, seller disclosure obligations, or legal advice. Current NAVRA scoring guidance is Florida-focused and should not be assumed to reflect insurance, lending, or market conditions in every state.