# Locus Evaluation Packet

> 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 2026-09-15).

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.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-evaluation-packet
- Price: $0.35/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-evaluation-packet-4663213c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_IBctAuDkqn_PgIoeA2YWQ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability locus-evaluation-packet-4663213c -d '<json body>'
```

Example prompt: 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.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  },
  "latitude": {
   "type": "number",
   "maximum": 90,
   "minimum": -90
  },
  "longitude": {
   "type": "number",
   "maximum": 180,
   "minimum": -180
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "id": "locus_example",
  "caveats": [
   "Example artifact; not live data."
  ],
  "records": [],
  "generatedAt": "2026-01-01T00:00:00.000Z"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-evaluation-packet-4663213c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)