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Locus Evaluation Packet
x402
Locus Evaluation Packet is a paid API for AI agents from api.locus.report, paid per call via x402, $0.35/call, status unknown (last checked 2026-10-27).
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.
Price / call$0.35
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Collateral file for small-balance loan
“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.”
Credit memo property section
“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.”
Pre-closing encumbrance and hazard check
“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?”
Technical details
Endpoint
POSThttps://api.locus.report/api/locus-evaluation-packet?utm_source=zero.xyzWhen to prefer
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.
Side effects
- 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
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| address | string | |
| latitude | number | |
| longitude | number |
Output
Schema · Response
{
"type": "json",
"example": {
"kind": "evaluation_packet",
"caveats": [
"Interagency Appraisal and Evaluation Guidelines order; no value stated; every gap named.",
"Example artifact; not live data."
],
"sections": {
"market": {
"status": [
"partial"
]
},
"hazards": {
"status": [
"ok"
]
},
"condition": {
"status": [
"empty"
]
},
"encumbrances": {
"status": [
"partial"
]
},
"environmental": {
"status": [
"empty"
]
},
"propertyDescription": {
"status": [
"ok"
],
"sources": [
{
"sourceUrl": "https://example-county.gov/parcel",
"sourceName": "County parcel/assessor record"
}
]
}
},
"fetchedAt": "2026-01-15T00:00:00.000Z"
}
}Tags
x402
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