# Property Risk Passport API

> 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.

## Facts

- Endpoint: POST https://property-risk-passport-api.lifebite-app.workers.dev/v1/property-risk-full
- Price: $0.001/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/property-risk-passport-api-426c363d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_FmWHTPkOgPasiYPbMSDDp

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 property-risk-passport-api-426c363d -d '<json body>'
```

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?

## When to prefer this

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.

## Known failure modes

- 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

## 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 request

```json
{
 "address": "123 Main Street, Denver, CO 80202",
 "includeOwner": false,
 "response_mode": "full"
}
```

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 300,
   "minLength": 5,
   "description": "Full US property street address to evaluate."
  },
  "includeOwner": {
   "type": "boolean",
   "default": false,
   "description": "Optional. Include ownerName in the response when explicitly true."
  },
  "response_mode": {
   "enum": [
    "full",
    "compact"
   ],
   "type": "string",
   "default": "full",
   "description": "Use compact for a shorter agent-readable summary."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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"
  }
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/property-risk-passport-api-426c363d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from property-risk-passport-api.lifebite-app.workers.dev](https://www.zero.xyz/host/property-risk-passport-api.lifebite-app.workers.dev/llms.txt)