{"uid":"cap_IBctAuDkqn_PgIoeA2YWQ","slug":"locus-evaluation-packet-4663213c","name":"Locus Evaluation Packet","description":"Evaluation packet for a loan under the appraisal threshold, in Interagency Appraisal and Evaluation Guidelines order: property description (parcel, zoning), condition (permits), market (transfers, house-price index), hazards (SFHDF flood inputs), ASTM E1527-21 screen, encumbrances (tax distress, treasurer status). Every source stamped with status and time. No value stated. National.","url":"https://api.locus.report/api/locus-evaluation-packet","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"address":{"type":"string","maxLength":200,"minLength":5},"latitude":{"type":"number","maximum":90,"minimum":-90},"longitude":{"type":"number","maximum":180,"minimum":-180}}},"responseSchema":{"type":"json","example":{"id":"locus_example","caveats":["Example artifact; not live data."],"records":[],"generatedAt":"2026-01-01T00:00:00.000Z"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.35","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","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":"$0.35/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.35","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.35","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_JyBU7voB2Nnhezsf8vO1f","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.35","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Assembles a structured loan-collateral evaluation packet for a US address covering parcel, zoning, permits, market data, flood hazards, environmental screen, and tax encumbrances in Interagency Appraisal and Evaluation Guidelines order.","exampleAgentPrompt":"Pull together a full evaluation packet for 1234 Elm Street, Chicago, IL — I need the parcel description, zoning, permits, flood inputs, environmental screen, market transfers, and tax distress all in one collateral file for a loan under the appraisal threshold.","exampleUseCases":[{"title":"Collateral file for small-balance loan","prompt":"I need a complete evaluation packet for 520 Oak Avenue, Denver, CO — parcel facts, zoning, market data, ASTM environmental screen, and any tax distress or flood hazard info — so I can put together the collateral file for a below-appraisal-threshold loan."},{"title":"Credit memo property section","prompt":"Can you pull the property facts for 88 Maple Drive, Austin, TX at latitude 30.2672, longitude -97.7431 so I can fill out the property section of our credit memo? I need the parcel, condition, market context, hazard flags, and encumbrance status."},{"title":"Pre-closing encumbrance and hazard check","prompt":"Before we close on the loan for 301 River Rd, Nashville, TN, can you run the full evaluation packet — especially the flood inputs, ASTM E1527-21 screen, and tax distress status — to make sure there are no surprises in the collateral?"}],"resultDescription":"A JSON artifact with a unique ID, generation timestamp, and an array of records covering: parcel and zoning facts, permit/condition data, market transfer history and house-price index, SFHDF flood hazard inputs, ASTM E1527-21 Phase I environmental government-records screen, and tax distress/treasurer status — each source stamped with data status and retrieval time. No property value is stated.","failureModes":["Address not found or unresolvable — returns empty records array with caveat","Partial data: some sub-sources may return no records if jurisdiction lacks coverage, noted in status flags","Invalid coordinates outside US bounds — validation error","Address string too short or malformed — schema validation rejection","Payment not received (x402) — request blocked before processing"],"whenToPreferThis":"Choose this endpoint when you need a single comprehensive collateral-support packet for a US property that follows Interagency Appraisal and Evaluation Guidelines ordering — combining parcel, zoning, condition, market, flood, environmental, and tax encumbrance data in one call for under-appraisal-threshold loans. Prefer it over individual property data endpoints when the use case is loan underwriting, credit memo preparation, or collateral file assembly and you want all sections pre-organized with source timestamps.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T13:09:30.930Z","isFirstParty":false}