How the ResidentData Rating works

What counts

For anyone outside the owner's team, the rating uses approved, shareable records only: records the owner marked public, after review. Private records, owner names and pending records never affect a public rating. A report freezes the rating as of its date, so a printed report keeps the score it was issued with.

Five categories

Each category scores 0 to 100. The overall score is their weighted average.

• Systems: a system early in its service life scores 100, mid-life 90, nearing replacement 60, past its typical life 25, and unknown age 45. Missing roof or HVAC records cost 10 points each.
• Care: each Home Care task scores 100 when on schedule, 90 when due soon, 45 when overdue and 35 when never recorded.
• Risk: starts at 100. Damage with no repair costs 35, each repaired damage event in the last 10 years 6 (up to 24), each open dispute 10, and a FEMA Special Flood Hazard Area (zones A and V) 15.
• Records: up to 50 for the share of records backed by proof, 25 for documents and 25 for contractor-submitted records.
• History: up to 40 for a whole-home inspection (2 years or less) or 30 (5 years or less), 15 for permits, 30 for how much of the home's life the records cover, and 15 less 5 per known gap.

Grades

Confidence

Every rating shows how much it rests on. High needs at least 10 records, half of them with proof, and 3 or more major systems on record. Medium needs at least 4 records. Anything less is Low: read the score as provisional. A home with fewer than 3 records and fewer than 2 dated major systems isn't graded at all.

Condition indicator

Appraisers rate condition on a six-step scale from the Uniform Appraisal Dataset. ResidentData maps the systems, risk and care scores onto that scale as a reference, so the records line up with how a home will be appraised. An appraiser sets the actual rating after seeing the home.

C1

New or recently built, never occupied; no physical depreciation.

C2

No deferred maintenance; little or no physical depreciation; major components recently updated.

C3

Well maintained with normal wear; some components updated.

C4

Adequately maintained with minor deferred maintenance; only minimal repairs needed.

C5

Obvious deferred maintenance; some significant repairs needed.

C6

Substantial damage or deferred maintenance affecting safety, soundness or structure.

C1 applies only to homes built this year or last with no damage on record. Unrepaired damage caps the indicator at C5, or C6 with two or more.

Capital needs and value

For each major system due within five years, the rating adds a typical replacement range. Investors can add the total to a price for an all-in cost; buyers can use it to plan or negotiate.

These are national planning ranges and placeholders until regional cost data is connected. They are not quotes.

Value factors list what supports the price (recent roof, permits, a recent inspection, documented maintenance) and what a buyer will discount (aging systems, unrepaired damage, flood zone, overdue maintenance). ResidentData does not estimate market value; pair the rating with an appraisal or a comparable-sales estimate.

For homeowners

The rating rises as the record improves. Keep Home Care tasks on schedule, add install dates for major systems, upload invoices and permits, and get a whole-home inspection every few years. Owners choose whether their home appears in the lookup and whether buyers get the full report directly or by request.