---
title: "Evaluation packet: property, condition, market, hazard, environmental, and encumbrance records in Interagency Guidelines order"
method: POST
path: "/api/locus-evaluation-packet"
tags: ["lending", "collateral", "evaluation", "read-only", "paid", "x402", "category:reports"]
---

# Evaluation packet: property, condition, market, hazard, environmental, and encumbrance records in Interagency Guidelines order

`POST /api/locus-evaluation-packet`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/api/locus-evaluation-packet`
- Auth: API key in header `PAYMENT-SIGNATURE`

Loan evaluation packet below the appraisal threshold, in Interagency Appraisal and Evaluation Guidelines order. Parcel, zoning, permits, transfers, house-price index, SFHDF flood, ASTM E1527-21 screen, tax distress, and treasurer status, each source stamped. For lender agents; no value stated. National.

## Request body

- object
  - `address` string: Optional US street address or place; NC uses AddressNC first, other areas use the national geocoder fallback when latitude/longitude are not provided.
  - `latitude` number: Optional decimal latitude; provide with longitude to skip address geocoding.
  - `longitude` number: Optional decimal longitude; provide with latitude to skip address geocoding.

## Response `200`

Atomic read result. A substantive result is paid; an empty/out-of-coverage result carries charged:false (x402 settlement suppressed).

- object

## Other responses

- `400`: Invalid request body.
- `402`: Payment Required. For x402 v2, repeat the identical request with a valid PAYMENT-SIGNATURE header (legacy X-PAYMENT is accepted for compatibility). MPP is disabled for paid-only atomic research.

---

[API](https://skmtc.dev/locus/apis/locus-api.md) · [All operations](https://skmtc.dev/locus/apis/locus-api/llms.txt) · [OpenAPI document](https://skmtc.dev/locus/apis/locus-api/revisions/ba7786b74adb?raw)