Underwriting and risk decisions require data that goes well beyond a listing price. Flood zone classification, tax assessment history, estimated carrying costs, three independent AVM estimates, and environmental risk indicators are all part of the picture. Specrom's property data feed includes these fields for every listing, queryable via API or available as scheduled bulk delivery.
// Risk and underwriting fields per property { "local": { "flood": { "flood_factor_score": 1, "fema_zone": ["X (unshaded)"] } }, "mortgage": { "property_tax_rate": 0.00202, "insurance_rate": 0.0039, "estimate": { "monthly_payment": 19216, "monthly_payment_details": [ { "type": "principal_and_interest", "amount": 17415 }, { "type": "property_tax", "amount": 615 }, { "type": "home_insurance", "amount": 1186 } ] } }, "flags": { "is_foreclosure": false, "is_short_sale": false } }
Underwriting and risk decisions require data that goes well beyond a listing price. Flood zone classification, tax assessment history, estimated carrying costs, and environmental risk indicators are all part of the picture. Specrom includes these fields for every property record at no additional charge.
// Multi-rate mortgage data per property "average_rates": [ { "loan_id": "thirty_year_fix", "rate": 0.05951 }, { "loan_id": "twenty_year_fix", "rate": 0.05861 }, { "loan_id": "fifteen_year_fix", "rate": 0.05136 }, { "loan_id": "ten_year_fix", "rate": 0.05011 } ], // Tax history — multi-year series "tax_history": [ { "year": 2025, "amount": 7381 }, { "year": 2024, "amount": 7102 } ], "source": { "raw": { "tax_amount": 7381 } }
The same property record supports different workflows depending on whether you're underwriting a loan, pricing an insurance policy, reviewing a portfolio, or modelling climate-adjusted risk.
Cross-check applicant payment capacity against estimated monthly obligations for a specific property. The property tax rate, insurance rate estimate, and HOA fields are pre-calculated per property. Flood zone classification surfaces upfront rather than at closing.
Flood factor score and FEMA zone are available without a separate API call or manual lookup. Year built supports construction vintage classification. Sqft and lot sqft support replacement cost estimation. Coordinates support overlay with internal risk models.
Property history, tax history, and listing status flags give a structured view of a property's recent activity. Flag properties with short sale or foreclosure status before the title search process begins.
Bulk delivery for portfolio-level flood risk exposure, tax assessment trends, and AVM estimate coverage. Three independent AVMs per property support collateral valuation review without requiring a full appraisal for initial screening.
Flood factor score and FEMA zone support climate-adjusted portfolio risk analysis. Join to property coordinates for spatial aggregation by watershed, elevation, or custom risk zone. Both numerical score and regulatory classification are included for flexible modelling.
Most data providers give you one AVM estimate. Specrom includes three: Quantarium, Cotality, and Collateral Analytics. For lenders using AVM data for collateral review, having three estimates lets you identify consensus, spot divergence, and build confidence intervals rather than relying on a single number.
Properties where two of three AVMs agree closely but the third is a significant outlier are worth flagging for additional review. Properties where all three estimates sit materially below the list price are a different signal entirely. The multi-AVM approach makes both patterns detectable without manual research.
Historical AVM series are included per provider, so you can also track how estimated values have moved relative to list price changes over time.
// Three AVMs — included by default "estimates": { "current_values": [ { "source": "quantarium", "estimate": 3480000 }, { "source": "cotality", "estimate": 3510000 }, { "source": "collateral_analytics", "estimate": 3440000 } ], "historical_values": [ // multi-year series per source ], "forecast_values": [ // projected forward estimates ] }, // Consensus: ~$3.48M List: $3.65M // Gap = 4.9% overpriced vs consensus
Per property. Each record includes a flood factor score (1–10 scale, where 1 is minimal risk and 10 is extreme) and the FEMA flood zone classification for that specific property. This is more granular than ZIP-code-level flood data and supports property-level underwriting decisions rather than area-level approximations.
The mortgage estimate object includes total estimated monthly payment broken down into five components: principal and interest, property tax, home insurance, HOA fees, and mortgage insurance. It also includes the loan amount and down payment assumptions (standard 20% down), current average rate used, and a separate table of current average rates for 30yr, 20yr, 15yr, 10yr fixed, and adjustable-rate loan types.
Three independent AVM estimates per property: Quantarium, Cotality, and Collateral Analytics. Historical value series and forecast projections are also included. All three are included in every property record by default, with no additional charge.
Tax history includes annual assessment amounts as a multi-year series, the property tax rate, and the MLS-reported current annual tax amount. History depth varies by county and data source but typically covers 3–5 years of assessment data. The raw MLS-reported tax amount is also available in the source.raw object.
Yes. For high-volume workflows, we deliver full datasets or geographic subsets as structured files on a scheduled cadence — daily, weekly, or custom refresh schedules. Delta feeds are also available to receive only changed records (new listings, status changes, price changes, delistings) rather than pulling the full dataset on each refresh.
REST API with JSON responses for real-time queries, bulk CSV or Parquet delivery for scheduled feeds, and delta feeds for incremental updates. Delivery to S3, SFTP, or database is available for bulk workflows. Contact us if you need SLA documentation for enterprise procurement.
US-wide MLS coverage, refreshed daily. Coverage is broad across major metro areas and MLS regions. For specific market confirmation — particularly for less common regional MLS areas — reach out with your target states, metros, or ZIP code lists and we'll verify coverage before you commit.
Tell us your use case and target markets. We'll respond within 24 hours with a sample and pricing.