{"uid":"cap_FmWHTPkOgPasiYPbMSDDp","slug":"property-risk-passport-api-426c363d","name":"Property Risk Passport API","description":"Evaluate a US property address for parcel match, FEMA flood zone, flood proximity, taxing entities, school district, permit history, zoning/land-use context, insurance red flags, due-diligence risk score, quality score, recommended next steps, and official source links.","url":"https://property-risk-passport-api.lifebite-app.workers.dev/v1/property-risk-full","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"address":{"type":"string","maxLength":300,"minLength":5,"description":"Full US property street address to evaluate."},"includeOwner":{"type":"boolean","default":false,"description":"Optional. Include ownerName in the response when explicitly true."},"response_mode":{"enum":["full","compact"],"type":"string","default":"full","description":"Use compact for a shorter agent-readable summary."}}},"responseSchema":{"type":"json","example":{"parcel":{"found":true,"situs":"611 WALKER ST HOUSTON 77002","acreage":1.4348,"parcelId":"0010890000001","provider":"harris","accountId":"0010890000001","confidence":"high","acreage_status":"reported"},"zoning":{"type":"no_conventional_zoning","source":"City of Houston","checked":true,"district":null,"confidence":"medium","jurisdiction":"City of Houston"},"land_use":{"code":"8001","note":"Land-use code not decoded yet.","label":null,"source":"HCAD","checked":true,"confidence":"low"},"flood_zone":{"sfha":false,"zone":"X","checked":true,"confidence":"high","zoneSubtype":"AREA OF MINIMAL FLOOD HAZARD","plain_language":"FEMA maps this point in Zone X, outside the Special Flood Hazard Area and in an area of minimal flood hazard.","flood_risk_class":"minimal_non_sfha"},"risk_score":15,"match_status":{"level":"property_match","reason":"Address and parcel were confirmed by Harris County parcel/CAD situs match.","blocking_warnings":[],"usable_for_decision":true},"address_input":"611 Walker St, Houston, TX 77002","result_status":"completed","permit_history":{"items":[],"source":"Houston Permitting Center","checked":true,"summary":"No permit records found by this API. Verify directly with Houston Permitting Center.","confidence":"medium","jurisdiction":"City of Houston","search_status":"completed_no_records_found"},"risk_breakdown":{"total":15,"factors":[{"code":"BASE_TRIAGE","label":"Base due-diligence review.","points":0,"source":"Property Risk Passport","category":"parcel"},{"code":"NEAR_FEMA_SFHA","label":"A FEMA Special Flood Hazard Area is within 500 meters.","points":5,"source":"FEMA NFHL","category":"flood"},{"code":"HARRIS_COASTAL_DRAINAGE_INSURANCE_CONTEXT","label":"Harris County has coastal Gulf drainage and insurance due-diligence context.","points":8,"source":"Confirmed parcel context","category":"insurance"},{"code":"LAND_USE_NOT_DECODED","label":"Appraisal land-use code was not decoded.","points":2,"source":"HCAD","category":"data_gap"}],"calculated":true,"risk_level":"low"},"schema_version":"property-risk-passport.v1","flood_proximity":{"source":"FEMA NFHL","checked":true,"confidence":"medium","distance_precision":"threshold","search_radius_meters":1000,"nearest_high_risk_zone":"AE","nearest_sfha_distance_meters":null,"nearest_sfha_distance_status":"found_within_search_radius","nearest_floodway_distance_meters":null,"nearest_floodway_distance_status":"found_within_search_radius"},"taxing_entities":{"items":[{"name":"HOUSTON ISD","type":"school","amount":null,"tax_rate":0.8783},{"name":"HOUSTON, CITY OF","type":"city","amount":null,"tax_rate":0.51919},{"name":"HARRIS COUNTY","type":"county","amount":null,"tax_rate":0.38096}],"source":"Harris County / HCAD / Tax Office","checked":true,"tax_year":2025,"accountId":"0010890000001","confidence":"high","total_tax_amount":null,"estimated_total_tax_rate":2.29472},"confidence_score":100,"tax_jurisdictions":{"items":[{"name":"Harris County","type":"county","source":"Confirmed Harris County parcel context"},{"name":"Houston city","type":"city","source":"Confirmed parcel location"},{"name":"Houston ISD","type":"school","source":"Harris County / HCAD / Tax Office"}],"scope":"property_level","property_level_confirmed":true},"address_normalized":"611 WALKER ST, HOUSTON, TX 77002","data_quality_score":82}},"example":{"request":{"address":"123 Main Street, Denver, CO 80202","includeOwner":false,"response_mode":"full"},"response":{"_truncated":true,"_originalSize":13786}},"exampleRequest":{"address":"123 Main Street, Denver, CO 80202","includeOwner":false,"response_mode":"full"},"tags":["x402"],"displayCostAmount":"0.001","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.001/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.001","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_X9ryYpCnQdSd37K4tO1_v","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.001","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Evaluates a US property address for flood risk, zoning, permits, taxing entities, insurance red flags, and a comprehensive due-diligence risk score.","exampleAgentPrompt":"Can you run a full property risk passport report on 4521 Maple Creek Drive, Austin, TX 78759 — I need the FEMA flood zone status, permit history, zoning context, insurance red flags, and the overall due-diligence risk score before I make an offer?","exampleUseCases":null,"resultDescription":"Returns a structured report including: parcel match confirmation, FEMA flood zone classification, flood proximity details, taxing entities, school district assignment, permit history, zoning and land-use context, insurance red flags, a numerical due-diligence risk score and quality score, recommended next steps for the buyer or agent, and links to official public record sources.","failureModes":["Address not found or no parcel match — returns low quality score with no data populated","Non-US address provided — endpoint only covers US properties","Ambiguous address (missing zip or state) — may return incorrect parcel match","Data unavailable for rural or low-coverage counties — partial results with missing fields","Rate limiting or payment failure — returns 402 or 429 error"],"whenToPreferThis":"Use this endpoint when you need a comprehensive, single-call property due-diligence snapshot for a US address — especially when flood zone status, insurance risk flags, zoning context, and permit history all need to be returned together with a unified risk score. Prefer this over separate FEMA or county lookups when breadth of coverage and a synthesized risk score matter more than raw data depth on a single dimension.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T18:39:41.370Z","isFirstParty":false}