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Property Risk Passport API
x402
Property Risk Passport API is a paid API for AI agents from property-risk-passport-api.lifebite-app.workers.dev, paid per call via x402, $0.001/call, status unknown (last checked 2026-09-14).
Evaluates a US property address for flood risk, zoning, permits, taxing entities, insurance red flags, and a comprehensive due-diligence risk score.
Price / call$0.001
Success—
StatusUnknown
How this service works
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.
Output
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.
Example use cases
Example prompt
“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?”
Technical details
Endpoint
POSThttps://property-risk-passport-api.lifebite-app.workers.dev/v1/property-risk-fullWhen to prefer
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.
Side effects
- 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
Input
{
"address": "123 Main Street, Denver, CO 80202",
"includeOwner": false,
"response_mode": "full"
}Schema · Request body
| Field | Type | Description |
|---|---|---|
| address | string | Full US property street address to evaluate. |
| includeOwner | boolean | Optional. Include ownerName in the response when explicitly true. |
| response_mode | string | Use compact for a shorter agent-readable summary. |
Output
{
"_truncated": true,
"_originalSize": 13786
}Schema · Response
{
"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
}
}Tags
x402
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