---
title: "Call a free Locus tool"
method: POST
path: "/tools/call"
tags: ["free", "tools", "data", "search", "real-estate", "property-research"]
---

# Call a free Locus tool

`POST /tools/call`

## Request

- Base URL: `https://api.locus.report`
- URL: `https://api.locus.report/tools/call`
- Auth: none required

Call a free Locus tool by name with JSON arguments. Use this for no-charge coverage checks, lane availability, parcel facts, source-card provenance, citation verification, and other bounded local-context reads. This endpoint does not return paid briefs or full paid reports; buy the x402/MPP endpoints only after a free preflight says there is substance here. CALL FORMAT: The free /tools/call endpoint requires a WRAPPED body: {"name": "<tool>", "arguments": { ... }}. Tool inputs go inside `arguments`, NOT at the top level. Paid /api/<slug> routes are the opposite (flat body).

## Request body

- union
  - object: Use for official public records and local-government context in a city, county, ZIP, or address. Every time source coverage is uncertain, check civic, parcel, and national lane status before ruling out Locus. A civic miss does not mean no national tools. Metadata only; then call locus_lane_availability for the per-tool map.
    - `name` 'locus_coverage_check', required: Coverage check
    - `arguments` object, required
      - `place` string, required: Required ZIP, city, county, or street address; use before paid briefs or source checks to confirm Locus coverage.
  - object: Every time a place question is broad, call this first to rank the next Locus endpoints for buying, renting, owning, appeals, permits, disasters, or before signing. Returns a deterministic plan with cost, free or paid rail, and local availability. Planning only; no model, record lookup, or scrape.
    - `name` 'locus_suggest_workflow', required: Suggest workflow: ranked endpoint plan for a place + intent
    - `arguments` object, required
      - `place` string, required: ZIP, city, county, or street address to scope which endpoints are available here.
      - `intent` string, required: Canonical values: renter_due_diligence, homebuyer_due_diligence, small_business_siting, community_organizer_journalist, commercial_tenant_due_diligence, land_investor_due_diligence, developer_predevelopment, environmental_research, short_term_rental_operations, data_center_development, agricultural_land_due_diligence, hoa_board_governance, renovation_planning, property_owner_cost_relief, property_tax_appeal, utility_bill_relief, mortgage_servicing, disaster_recovery, permit_project_closeout, tax_delinquency_redemption, government_meeting_monitoring, local_fiscal_research, county_data_research. Natural-language phrases are also accepted and normalized, e.g. renting an apartment, buying a house, property-tax appeal, homeowner cost relief, utility bill credit, mortgage servicing, disaster recovery, permit closeout, tax-sale redemption, commercial lease, data-center development, agricultural land diligence, STR operations, HOA board review, or civic monitoring, planning meetings/agendas, budgets/audits, or county data series.
  - object: Local source-card metadata for a jurisdiction or one card id: candidate, verified, disputed, or deprecated status; verification method and time; provenance, category, and official query endpoint. For agents checking a city or county source trail. Does not fetch underlying records.
    - `name` 'locus_source_card_check', required: Source-card check
    - `arguments` object, required
      - `jurisdiction` string: Optional jurisdiction id such as us-nc-raleigh; provide when known to skip place resolution.
      - `place` string: Optional ZIP/address; provide instead of jurisdiction to resolve local source cards.
      - `cardId` string: Optional source-card id such as us-nc-durham:permits; provide to inspect one card.
  - object: Official-host and normalized URL checks of a citation against Locus source cards, for buyer, owner and lender agents. Returns card provenance, status, and endpoint when the URL matches. Use before trusting a cited public-record source. Provenance only: it does not re-fetch the record or validate the fact.
    - `name` 'locus_verify_citation', required: Verify citation provenance
    - `arguments` object, required
      - `sourceUrl` string, required: Required citation source or dataset URL to match against official-source cards.
      - `recordId` string: Optional citation record id; echoed back only for context.
      - `jurisdiction` string: Optional jurisdiction id to narrow the source-card search, e.g. us-nc-raleigh.
  - object: Official policy sources for a place: state, county, and city legislatures, Legistar, code libraries, resolved legal geographies, live legislative fallback status, and ingested artifact count. Use before a policy brief, or to see which bodies and code libraries govern the place. Source list only: no legal advice, score, or brief.
    - `name` 'locus_policy_sources', required: Policy sources
    - `arguments` object, required
      - `place` string, required: Required ZIP, address, city, or county to resolve to state/county/city legal geographies.
  - object: Returns one headline bill on zoning, land use, ADU, rentals, tax, landlord-tenant, or eminent domain for an address, cited to LegiScan and Legistar where wired. Use status and one-line consequence before treating it as law. Enacted items lead; others are WATCH. Full text is in the paid brief. Not legal advice or a parcel ruling. Use this when you need one current headline bill for an address. Use locus-local-policy-brief instead when you need the full matched set, bill-text provisions, status history and property-class mapping; use locus-local-legislation (same records) when your client can only call paid x402 routes.
    - `name` 'locus_local_legislation', required: Local legislation (preview)
    - `arguments` object, required
      - `address` string, required: Street address or place; resolves the state/locality whose legislation is scanned.
      - `ownerActions` string[]: Optional owner-action categories; the one-headline preview is selected from matching items.
      - `domains` string[]: Optional property-policy domains, for example property_tax or zoning_land_use; the one-headline preview is selected from matching items.
  - object: Returns bounded official meeting dates and agenda pointers. Coverage: City of Modesto Planning Commission; Wake County Planning Board and Land Use Committee. No item extraction or parcel match. For property-topic Legistar events use paid locus-legistar-property-meetings.
    - `name` 'locus_government_meetings', required: Official government planning meeting indexes
    - `arguments` object, required
      - `jurisdiction` 'us-ca-modesto' | 'us-nc-wake', required: Explicit meeting jurisdiction. Coverage: City of Modesto Planning Commission; Wake County Planning Board and Land Use Committee. For property-topic Legistar items use paid locus-legistar-property-meetings.
      - `fromDate` string, date: Optional inclusive YYYY-MM-DD meeting date.
      - `toDate` string, date: Optional inclusive YYYY-MM-DD meeting date.
  - object: Returns registry-backed owner program, credit, mitigation, valuation-program, amnesty, registration, transfer, and title-protection facts for a resolved US place plus a jurisdiction-locked source query pack. For cited filing windows. Dollar figures come only from cited rows. No determination, recommendation, or savings estimate. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-owner-programs instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_owner_programs', required: Owner programs and cited filing windows
    - `arguments` object, required
      - `address` string: US street address or ZIP used to resolve state, county, and city program rows.
      - `place` string: US city, county, state, ZIP, or address used to resolve program rows.
      - `classes` string[]: Optional owner-program classes to return.
      - `includeDerived` boolean: Include cited statewide rows derived from the tax-framing and appeal-rule registries; default true.
  - object: Returns registry-backed mitigation grants, insurance discount rules, disaster-assistance windows, flood-map corrections, and flood-protection rebates for a resolved US place. Optional filter: wind, wildfire, flood, or earthquake. Printed money notes only. No determination, recommendation, premium estimate, or savings estimate. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-mitigation-incentives instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_mitigation_incentives', required: Cited mitigation grants and insurance discount rules
    - `arguments` object, required
      - `address` string: US street address or ZIP used to resolve state, county, and city program rows.
      - `place` string: US city, county, state, ZIP, or address used to resolve program rows.
      - `hazard` 'wind' | 'wildfire' | 'flood' | 'earthquake': Optional hazard filter.
  - object: Utility credits, energy rebates, lead service-line, sidewalk cost-share, and flood-protection rebates from a place registry, for buyer, owner and lender agents. Returns registry rows, plus a jurisdiction-locked official-source query pack for uncovered places. No individual determination, recommendation, or savings estimate. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-utility-credits instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_utility_credits', required: Cited utility credits and infrastructure cost-share programs
    - `arguments` object, required
      - `address` string: US street address or ZIP used to resolve state, county, and city program rows.
      - `place` string: US city, county, state, ZIP, or address used to resolve program rows.
  - object: Cited water-utility leak-adjustment rules from EPA service-area boundaries for an address or point. Registered places: Chicago, IL, Charlotte, NC, and Philadelphia, PA. Only caller-confirmed PWSIDs or official provider boundaries match rules; modeled areas remain candidates. No account eligibility or bill calculation.
    - `name` 'locus_water_utility_leak_adjustment_rules', required: Water-utility leak-adjustment rules
    - `arguments` object, required
      - `address` string: Optional US street address used to find candidate public water systems.
      - `latitude` number: Optional decimal latitude; provide with longitude to skip geocoding.
      - `longitude` number: Optional decimal longitude; provide with latitude to skip geocoding.
      - `confirmedPwsid` string: Optional caller-confirmed EPA Public Water System ID from a bill or utility. A supplied ID is labeled caller-confirmed and is not independently verified by Locus.
  - object: Returns cited work-exemption, fee-source, expiration, extension, and waiver or amnesty fields for the exact resolved jurisdiction, for owner agents checking permit rules. Version 1 covers Seattle, Austin, and verified Chicago fields. Missing fields stay not_verified, never none. Not legal advice or a permit determination.
    - `name` 'locus_permit_rules', required: Cited owner-facing permit rules
    - `arguments` object, required
      - `address` string: Optional US street address used to resolve the governing jurisdiction.
      - `place` string: Optional unambiguous US city or place with state.
      - `includeNotVerified` boolean: Include registry fields that remain explicitly not_verified; default true.
  - object: Cited tax-sale, lien-sale, delinquency, and redemption rules plus published dates for a resolved US place. For agents timing a possible sale: past-only rows carry needsRefresh and are not presented as the next sale. No parcel sale eligibility, payment status, title finding, or legal advice. Registry-backed.
    - `name` 'locus_tax_sale_calendar', required: Cited tax-sale and redemption calendar
    - `arguments` object, required
      - `address` string: Optional US street address used to resolve state and county tax-sale rows.
      - `place` string: Optional US county, city, state, ZIP, or address.
      - `asOf` string, date: Optional ISO date YYYY-MM-DD; defaults to today's UTC date.
      - `withinDays` integer: Days after asOf to include in upcomingDates; default 400, maximum 800.
  - object: HIFLD electric retail territories containing an address or point, for agents: EIA utility ID, ownership, vintage, and rebates joined only by registered utility ID. Overlaps and stale boundaries stay visible. National candidate evidence only: never proof of service, capacity, tariff, interconnection, timing, reliability, or cost.
    - `name` 'locus_electric_utility_resolver', required: Mapped electric-utility territory candidates and registered rebates
    - `arguments` object, required
      - `address` string: Optional US street address used to query mapped electric retail service territories.
      - `latitude` number: Optional decimal latitude; provide with longitude to skip geocoding.
      - `longitude` number: Optional decimal longitude; provide with latitude to skip geocoding.
  - object: Registry-backed title-protection rows for a resolved US place, in local, then state, then national order, for buyer, owner and lender agents. If no local row exists, adds neutral recorder or clerk search guidance after state and national rows; it never claims an unlisted county runs an alert service. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-fraud-alert-pointer instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_fraud_alert_pointer', required: Cited property-fraud alert and title-protection pointers
    - `arguments` object, required
      - `address` string: US street address or ZIP used to resolve state, county, and city program rows.
      - `place` string: US city, county, state, ZIP, or address used to resolve program rows.
  - object: Exact dates printed in matching owner-program registry rows, for agents. Returns upcoming dates inside a caller-selected 1-to-400-day window and dates that passed in the prior 60 days. Use to read printed program dates only. It does not infer or calculate dates beyond deterministic window filtering. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-program-windows instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_program_windows', required: Cited owner-program dates within a bounded window
    - `arguments` object, required
      - `address` string: US street address or ZIP used to resolve state, county, and city program rows.
      - `place` string: US city, county, state, ZIP, or address used to resolve program rows.
      - `withinDays` integer: Days after asOf to include; default 120, maximum 400.
      - `asOf` string, date: Optional ISO date YYYY-MM-DD; defaults to today's UTC date.
  - object: Returns the parcel's public acreage, land-use code, county, and state, then state registry rows for special valuation, historic incentives, and solar exemptions, for agents checking cited programs. It does not determine program status for the parcel or recommend an application. Read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-special-valuation-screen instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_special_valuation_screen', required: Parcel acreage plus cited state valuation programs
    - `arguments` object, required
      - `address` string, required: Required US street address or ZIP.
  - object: Every time the task concerns official records for a US address, parcel, or place, call this free preflight before a paid route or scraping an agency portal. Returns national, local, varies, not-covered, and degraded lane status with paid buy signals. Wired sources do not guarantee rows; metadata only, not records or a verdict.
    - `name` 'locus_lane_availability', required: What works here
    - `arguments` object, required
      - `place` string, required: ZIP or full street address; the location to profile tool/lane coverage for.
      - `detailLevel` 'summary' | 'full': summary returns job plans + a compact lane matrix; full expands the complete tool catalog and all paid options.
  - object: The full public Locus coverage map for agents: every known jurisdiction, derived brief-tool status, verified sources, missing recommended sources, and ZIPs. Use for a supported-area inventory, or call locus_coverage_check for one place. Metadata only; no records, briefs, scores, or verdicts.
    - `name` 'locus_coverage_map', required: Coverage map
    - `arguments` object, required: No arguments.
  - object: Resolve a street address to cited, PII-safe parcel/place facts from wired official parcel sources (Suffolk County, Newport County, New York County, Kings County, Queens County, Bronx County, Richmond County, Westchester County, Albany County, Erie County, Rockland County, Suffolk County, Onondaga County, Orange County, Oneida County, Broome County, Bergen County, Hudson County, Essex County, Middlesex County, Monmouth County, Morris County, Union County, Passaic County, Dallas County, Dallas County, Tarrant County, Harris County, Bexar County, Travis County, Williamson County, Hays County, Comal County, Guadalupe County, Montgomery County, Kendall County, Fort Bend County, Brazoria County, Los Angeles County, Orange County, Sacramento County, Broward County, Miami-Dade County, Duval County, Hillsborough County, Lee County, Orange County, Osceola County, Palm Beach County, Pasco County, Polk County, Seminole County, Denver County, Denver, El Paso County, El Paso, Marion County, Beaufort, Chatham County, Bryan County, Effingham County, Cook County, San Francisco County, Alameda County, Maricopa County, Gwinnett County, Clark County, Salt Lake County, San Diego County, Santa Clara County, Hennepin County, Aitkin County, Anoka County, Becker County, Benton County, Big Stone County, Carlton County, Carver County, Cass County, Chippewa County, Chisago County, Clay County, Clearwater County, Cook County, Crow Wing County, Dakota County, Douglas County, Fillmore County, Grant County, Hennepin County, Houston County, Isanti County, Itasca County, Jackson County, Koochiching County, Lac qui Parle County, Lake County, Lake of the Woods County, Lyon County, Marshall County, McLeod County, Mille Lacs County, Morrison County, Mower County, Murray County, Norman County, Olmsted County, Otter Tail County, Pennington County, Pipestone County, Polk County, Pope County, Ramsey County, Red Lake County, Renville County, Rice County, Scott County, Sherburne County, Stearns County, Steele County, Stevens County, St. Louis County, Traverse County, Wabasha County, Waseca County, Washington County, Wilkin County, Winona County, Wright County, Yellow Medicine County, Fulton County, Shelby County, Multnomah County, Ada County, Philadelphia County, Jasper County, Dutchess County, Putnam County, Ulster County, Wake County, Chatham County, Iredell County, Orange County, Gaston County, Orange County, Tulsa County, San Mateo County, Barnstable County, Berkshire County, Bristol County, Dukes County, Essex County, Franklin County, Hampden County, Hampshire County, Middlesex County, Nantucket County, Norfolk County, Plymouth County, Suffolk County, Worcester County, Barnstable County, Berkshire County, Bristol County, Dukes County, Essex County, Franklin County, Hampden County, Hampshire County, Middlesex County, Nantucket County, Norfolk County, Plymouth County, Worcester County, and Davidson): land use, acreage/lot size, year built, and derived county/municipality. Use when the user asks about the parcel itself: lot size, year built, or land use for an address. Financial facts (assessed value, last sale, annual tax) are part of the paid Locus place report, not this free lookup. Optional incident counts default off. Owner and mailing fields are never returned. Use this when you need parcel identity, land use, acreage or year built. Use locus-parcel-value instead when you need assessed value and sale fields from the resolved official parcel; use locus-parcel-lookup (same records) when your client can only call paid x402 routes.
    - `name` 'locus_parcel_lookup', required: Official parcel record: lot, land use, acreage, year built (verified counties; no owner/value on the free rail)
    - `arguments` object, required
      - `address` string: Street address to resolve to a parcel, e.g. '123 Oak Park Dr, Cary, NC 27519'. Provide this or parcelId with state and county.
      - `parcelId` string: Exact public parcel identifier. Provide state and county with parcelId.
      - `state` string: Two-letter state code required with parcelId.
      - `county` string: County name required with parcelId.
      - `includeIncidents` boolean: Optional boolean; include bounded proximity incident counts when available. Default false. Counts only, never a safety verdict.
      - `radiusMeters` number: Optional incident search radius in meters; default 1000, max 5000.
      - `lookbackDays` number: Optional incident lookback window in days; default 365, max 1825.
  - object: Resolve a subject parcel, then return bounded county/state parcel context from explicit PARCEL_SOURCES geometry capabilities (AR statewide; Chatham County, NC; Clark County, NV; Dallas County, TX; Davidson County, TN; Iredell County, NC; Los Angeles County, CA; MT statewide; Maricopa County, AZ; NC statewide; Philadelphia County, PA; VT statewide; Wake County, NC): bounded centroid/source-point rings within 100 m, 250 m, 500 m, and 1,000 m; aggregate counts are null when the requested evidence window does not cover the full ring. Includes verified source-native topology only while the current topology release gate is active. When that gate is inactive, proximity remains available and exact topology is labeled release_gate_inactive. Mapped parcel contact groups verified edge_touch and point_touch while retaining each exact subtype. Only verified edge_touch is adjacent; point_touch is not. Generic Intersects stays geometry_intersection_unclassified. Point-only sources retain proximity with topology unsupported. No owner/mailing fields, assessed-value aggregates, common-ownership inference, development probability, neighborhood score, or value prediction.
    - `name` 'locus_surrounding_parcels', required: Surrounding parcels: source-native topology plus nested distance rings
    - `arguments` object, required
      - `address` string, required: Required US street address for the subject parcel.
      - `mode` 'topology_and_rings': Independent source-native topology plus nested 100 m, 250 m, 500 m, and 1,000 m proximity rings that are reported only when the requested evidence window covers the full ring.
      - `radiusMeters` integer: Maximum centroid-distance ring in meters. Use 100 or 200 for compact urban adjacency windows, 500 by default, and at most 1000.
      - `maxParcels` integer: Maximum surrounding parcels returned; hard cap 50.
  - object: Returns land use, acreage, year built, and zoning for each parcel in a caller-supplied set, plus summed acreage, land-use mix, and jurisdictions. For agents reading an assemblage as one asset. Does not compute FAR, buildability, or entitlement, or assert a common owner. Summed assessed value is on the paid report. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-parcel-set instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_parcel_set', required: Parcel set: multiple parcels by proximity or boundary — lot, land use, acreage, aggregate (verified counties)
    - `arguments` object, required
      - `addresses` string[]: Up to 25 street addresses, one per parcel in the assemblage/development.
      - `parcelIds` string[]: Up to 25 exact public parcel identifiers in one state and county.
      - `state` string: Two-letter state code required with parcelIds.
      - `county` string: County name required with parcelIds.
  - object: Cited area-level reported-crime context for agents on crime from Cary CPD, Morrisville PD, Raleigh NIBRS, Charlotte CMPD, or NC SBI, SC SLED, and FBI CDE. An address resolves only to its city or county. City and area counts only; allegations, never street or block, person or case, a verdict, score, ranking, or prediction. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-area-crime-report instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_area_incidents', required: Area reported-crime context
    - `arguments` object, required
      - `address` string, required: Required street address used to scope area reported-crime context, e.g. '123 Oak Park Dr, Cary, NC 27519'.
      - `radiusMeters` number: Optional radius in meters for point feeds when available; default 1000, max 5000.
      - `lookbackDays` number: Optional lookback window in days for point feeds; default 365, max 1825.
      - `includeSurveyContext` boolean: Optional boolean; include BJS NCVS caveats/context. Default true. National methodology context only, never a local estimate.
  - object: Increments the demand counter for a place so coverage expansion follows constituent demand, for agents told that place is unsupported. Call this when locus_coverage_check says a place is unsupported. Stores aggregate counts only; no requester identity.
    - `name` 'locus_request_coverage', required: Request coverage for a place
    - `arguments` object, required
      - `place` string, required: Required ZIP, city, county, or address you want Locus to cover; use after coverage is unsupported.
  - object: Closed-vocab notes for agents after a Locus session: what helped, what did not, a catalog or schema UX gap, or an improvement idea. Set target (or tool or toolName) to the exact catalog name; summary allows up to 1000 characters. No place, person, wallet, or payment fields. POST /feedback. Product signal, not a record lookup.
    - `name` 'locus_agent_feedback', required: Send product feedback from an agent session
    - `arguments` object, required
      - `kind` 'helpful' | 'not_helpful' | 'ux_gap' | 'schema_issue' | 'coverage_gap' | 'docs_issue' | 'idea', required: What this note is: helpful, not_helpful, ux_gap, schema_issue, coverage_gap, docs_issue, or idea.
      - `target` string: Exact catalog tool, surface, or skill this note is about. Use locus-before-you-sign, locus-pfas-occurrence, or llms.txt. Do not put the tool name only in summary.
      - `tool` string: Alias for target. Exact catalog name of the tool this note is about.
      - `toolName` string: Alias for target. Exact catalog name of the tool this note is about.
      - `summary` string, required: One sentence about what helped, what failed, or the gap. Max 1000 characters. No address, person, or wallet. Set target/tool for the related catalog name.
      - `helpful` string[]: Short bullets of what worked.
      - `unhelpful` string[]: Short bullets of friction, missing schema, or confusing copy.
      - `idea` string: Optional improvement the next agent should see in catalogs or the skill.
      - `skillVersion` string: Optional installed skill version, for example 1.20.0.
      - `client` string: Optional harness name such as claude, grok, or codex. Not a user id.
  - object: Official adopted property-tax rate components where wired, for agents: NC via NCDOR, plus Nashville/Davidson TN, Austin/Travis TX, and Tampa/Hillsborough FL. Exact component for a municipality, county, ZIP, or address. Not a bill, forecast, estimate, valuation, or advice. Proposals use official budget, agenda, or video cards. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-property-tax-rates instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_property_tax_rates', required: Property tax rate components (official tables)
    - `arguments` object, required
      - `place` string: Municipality, county, ZIP, or address to match to official taxing jurisdictions; interchangeable with `address`. NC statewide plus selected market adapters.
      - `address` string: Street address or place string to match to official taxing jurisdictions; interchangeable with `place`. NC statewide plus selected market adapters.
  - object: Official NCDOR county and municipal property-tax rate for NC address: combined rate plus component rates. Cited rate context only, not a dollar estimate, bill, appraisal, valuation, or advice. Excludes special districts, exemptions, deferrals, and appeals. For the annual tax, assessed value, and history, use locus-property-tax. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-property-tax-estimate instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_property_tax_estimate', required: Property tax rate context for an address (NC)
    - `arguments` object, required
      - `address` string, required: Required NC street address; geocodes to the parcel and taxing county/municipality.
  - object: FEMA NFHL flood zone, SFHA, panel, and verification steps at an address, for buyer, owner and lender agents. When BFE is published, adds ground elevation and a ground-minus-BFE estimate. Ground is not the lowest floor; verify with an Elevation Certificate. Not a flood prediction or quote, national. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-flood-zone instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_flood_zone', required: Flood zone designation (FEMA NFHL)
    - `arguments` object, required
      - `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.
  - object: FEMA NFHL and USFWS CBRS fields in Standard Flood Hazard Determination Form (SFHDF) order for buyer, owner and lender agents. Returns zone, SFHA, panel, effective date, community CID, LOMR/LOMA, and CBRS unit at one point. Prefills the form and names gaps; not a determination and no 12 CFR 22.6 guarantee, national.
    - `name` 'locus_flood_determination_inputs', required: Flood determination form inputs (SFHDF fields)
    - `arguments` object, required
      - `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.
  - object: Median and quartiles of annual NFIP policy cost and FEMA full-risk premium for policies in force in the ZIP, from OpenFEMA NFIP Policies v3, for buyer, owner and lender agents. Split by rated zone (SFHA vs minimal hazard), with policy count and rate-method counts. An estimate, never a quote, national. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-flood-premium-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_flood_premium_context', required: Flood insurance cost context: NFIP policies in force in the ZIP (estimate, not a quote)
    - `arguments` object, required
      - `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.
  - object: Census ACS 2023 median annual homeowners-insurance cost band by mortgage status (B25141) and median monthly owner costs (B25088) at ZIP, county, state, for agents. Use before an area cost question. Survey estimate with vintage; never a quote or coverage recommendation. Sample-rate tool for FL, TX, CA, NC. National. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-homeowners-insurance-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_homeowners_insurance_context', required: Homeowners insurance cost context: ACS median cost band by ZIP, county, state (estimate)
    - `arguments` object, required
      - `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.
  - object: ACS 2023 median real-estate taxes paid (B25103), median owner-occupied home value (B25077), and the effective rate they imply, at ZIP, county, and state, with the Lincoln Institute 50-state study linked. Locality estimate, not this parcel's bill. For the parcel use locus_property_tax_estimate or locus-property-tax. National. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-property-tax-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_property_tax_context', required: Property tax burden context: effective rate and median bill by ZIP, county, state (estimate)
    - `arguments` object, required
      - `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.
  - object: Returns county median listing price, active listings, and median days on market with year-over-year change, plus ACS median home value and gross rent at ZIP, county, and state. Listings are the monthly Realtor.com series on FRED, where published. Estimates only, never a parcel valuation or a ranking. For agents comparing places. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-market-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_market_context', required: Housing market context: county listing price, inventory, days on market, ACS value and rent (estimate)
    - `arguments` object, required
      - `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.
  - object: Official combined sales-tax rate by street address in California and Washington for agents checking a commercial lease. Outside coverage returns out_of_coverage; unmatched addresses and upstream failures are unavailable, never zero. Dated rate context, not tax advice or a taxable-sale determination.
    - `name` 'locus_address_sales_tax', required: Official sales-tax rate (CA/WA)
    - `arguments` object, required
      - `address` string, required: Full street address with city, state abbreviation and ZIP, e.g. 1 Dr Carlton B Goodlett Pl, San Francisco, CA 94102
  - object: Census 2023 establishment counts by industry for the address ZIP, for agents reading area business context. Returns those ZIP-level counts, not premises or customers. No ZIP returns out_of_coverage; a source error returns unavailable.
    - `name` 'locus_cbp_zip', required: CBP ZIP establishment counts
    - `arguments` object, required
      - `address` string, required: US street address, city, state and ZIP, e.g. 123 Main St, Chapel Hill, NC 27514
  - object: Source-year ACS five-year B09021 ages 18–34 counts and margins for all household members and children of householders. Caller-chosen county FIPS; observations and gaps, no affordability inference or place verdict. National.
    - `name` 'locus_acs_living_arrangements_series', required: County ACS living-arrangements observations by source year
    - `arguments` object, required
      - `stateFips` string, required: Two-digit state FIPS.
      - `countyFips3` string, required: Three-digit county FIPS.
      - `fromYear` integer, required: First source year, 2021–2024.
      - `toYear` integer, required: Last source year, 2021–2024.
  - object: Source-year Census CBP employer-establishment counts for one caller-selected two-digit or grouped NAICS sector, its size bands and three-digit subsectors. County FIPS and industry are caller inputs. Suppressed and unpublished cells are explicit, not zero. National, no employment or demand verdict.
    - `name` 'locus_cbp_county_industry_series', required: County CBP establishments for a caller-selected industry
    - `arguments` object, required
      - `stateFips` string, required: Two-digit state FIPS.
      - `countyFips3` string, required: Three-digit county FIPS.
      - `fromYear` integer, required: First source year, 2021–2024.
      - `toYear` integer, required: Last source year, 2021–2024.
      - `industryCode` string, required: Two-digit NAICS 2017 sector or grouped sector: 31-33, 44-45, 48-49.
  - object: For one county FIPS, list public employment and commercial office-report source leads with geography, methods, reuse cautions and explicit not-checked items. Does not fetch or fabricate office vacancy, occupancy, remote-work or a comparable time series. National discovery-only, read-only.
    - `name` 'locus_office_source_guide', required: Office market source discovery and measurement limits
    - `arguments` object, required
      - `stateFips` string, required: Two-digit state FIPS, e.g. 37 for NC.
      - `countyFips3` string, required: Three-digit county FIPS, e.g. 183 Wake, 105 Lee, 001 Alamance.
  - object: Free official fiscal source pointers for a caller-selected US place plus reusable instructions for reading budgets, audits, tax bases, levies and collections. National leads are always available; state and local links require a resolved jurisdiction. Does not fetch documents, report figures, or activate the paid fiscal snapshot. A city spanning counties needs an exact address or confirmed county before local links can be assigned.
    - `name` 'locus_fiscal_source_guide', required: Official local-government fiscal source leads and parsing guide
    - `arguments` object, required
      - `place` string, required: US address, ZIP, city + state, or county + state; use an exact address for a cross-county city.
  - object: Single-family rebuild proxy for buyer, owner and lender agents: Census permit value per unit (Building Permits Survey) plus BLS construction-input PPI since that year, as a $/sq ft range for a stated size, floored at FEMA $100. National labeled proxy, not a coverage amount or adequacy verdict. Permit values understate cost. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-rebuild-cost-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_rebuild_cost_context', required: Rebuild-cost proxy: county permit valuation per unit trended by construction PPI (estimate, labeled proxy)
    - `arguments` object, required
      - `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.
  - object: Returns Philadelphia Revenue Department real-estate tax balances by OPA parcel for one street address: principal, interest, penalty, and lien numbers by tax year. One row per matched parcel or unit. Philadelphia only; else out_of_coverage plus the treasurer pointer. Not a tax certificate. No owner names. Use before closing.
    - `name` 'locus_tax_payment_status', required: Property-tax payment status from the treasurer (Philadelphia)
    - `arguments` object, required
      - `address` string, required: Philadelphia street address, e.g. '2401 Pennsylvania Ave, Philadelphia, PA 19130'.
      - `unit` string: Optional unit or apartment to narrow a multi-unit building.
  - object: EPA cleanup, storage-tank, RCRA, ECHO, and TRI counts at each ASTM E1527-21 minimum search distance, for buyer, owner and lender agents. Reports records returned, within distance, nearest distance, and status per list. Counts only, never a Phase I; empty list means no record returned, not clearance, national. Use this when you need a bounded environmental public-record screen. Use locus-environmental-records-screen instead when you need full source-backed environmental rows.
    - `name` 'locus_environmental_records_screen', required: Environmental records screen at ASTM E1527-21 search distances (counts)
    - `arguments` object, required
      - `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.
  - object: Nearby USGS stream and river gauges with latest stage and flow observations, plus NOAA/NWS threshold metadata where available, for buyer, owner and lender agents. Hydrologic context only. National by lat/lng or a geocoded address; not a parcel flood prediction, insurance determination, or safe/unsafe label. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-flood-gauges instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_flood_gauges', required: Flood gauges near a point (USGS + NWS)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer
  - object: Returns whether a US address or point lies in a Treasury and IRS 2018 Qualified Opportunity Zone census tract, cited to HUD, for agents checking designation only. A designation fact: inside or not. Never tax, investment, or eligibility advice, and never a good or bad label. National and read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-opportunity-zone instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_opportunity_zone', required: Qualified Opportunity Zone designation
    - `arguments` object, required
      - `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.
  - object: Returns USGS NEHRP-2020 / ASCE 7 parameters at a point (Ss, S1, PGA, SDS, SD1, and Seismic Design Category) for an assumed default site class, for engineering agents. Cited hazard data for a design check. Not a safety, risk, or safe/unsafe judgment. National. Read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-seismic-design instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_seismic_design', required: Seismic design data (USGS NEHRP 2020)
    - `arguments` object, required
      - `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.
  - object: Recent county unemployment trend from BLS Local Area Unemployment Statistics (not seasonally adjusted), for buyer, owner and lender agents. Use to read the reported county rate for an address or point. National. A reported statistic only: it does not label an area's economy good, bad, strong, or weak. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-unemployment instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_unemployment', required: County unemployment rate (BLS LAUS)
    - `arguments` object, required
      - `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.
  - object: County BLS QCEW annual-average job change against prior-year Census BPS housing units authorized by permit, plus permits as a share of ACS housing stock for an address or point. Returns published benchmarks and critiques without Locus labels. Zero denominator returns null with reason; component status is separate. National. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-housing-supply-balance instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_housing_supply_balance', required: County jobs against housing units permitted (BLS QCEW + Census BPS)
    - `arguments` object, required
      - `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.
      - `permitYear` integer: Optional permit-year override, e.g. 2024; default is the newest published Census BPS annual county year.
  - object: Latest state FHFA All-Transactions House Price Index and its year-over-year change for an address, for agents, from FHFA via FRED. Use before a state index check. Index data only; never an appraisal, dollar value, or hot/cold market verdict. Needs a FRED API key and fails closed when unset. Carries FRED attribution. National. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-house-price-index instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_house_price_index', required: State house price index (FHFA via FRED)
    - `arguments` object, required
      - `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.
  - object: FHFA annual tract and ZIP5 HPI series, for buyer, owner and lender agents who need area context. Use the annual series as area context before a property-level question. Area context only, not a property value, national.
    - `name` 'locus_fhfa_area_hpi', required: FHFA tract and ZIP indexes
    - `arguments` object, required
      - `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.
  - object: FCC National Broadband Map link for agents at a US address or point: fixed-broadband providers, fiber, cable, fixed wireless, satellite, max advertised speeds, and vintage. FCC and ISP-reported availability only. National. Never a fast, slow, good, or bad verdict, and Locus does not redistribute the FCC location dataset.
    - `name` 'locus_broadband_check', required: Broadband availability check (FCC National Broadband Map)
    - `arguments` object, required
      - `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.
  - object: Mapped wetland overlap and nearby polygons from the U.S. Fish & Wildlife Service National Wetlands Inventory, for buyer, owner and lender agents. Use before site work for a US address or point and a chosen radius. Map evidence only: not a delineation, jurisdictional determination, parcel boundary, or permit decision.
    - `name` 'locus_wetland_context', required: Mapped-wetland proximity and overlap evidence (FWS NWI)
    - `arguments` object, required
      - `address` string: US street address. Provide this or latitude+longitude.
      - `latitude` number: Decimal latitude; provide with longitude.
      - `longitude` number: Decimal longitude; provide with latitude.
      - `radiusMeters` integer: Mapped-wetland proximity search radius in meters; defaults to 250.
  - object: Returns USGS EPQS transects plus NC or USGS 3DEP elevation, slope, and aspect where available, for agents checking terrain at an address. Each raster estimate carries its source and vintage; missing data stays unavailable. Not a survey, drainage analysis, or engineering conclusion. National.
    - `name` 'locus_terrain_profile', required: Elevation and sampled terrain profile (USGS EPQS / 3DEP)
    - `arguments` object, required
      - `address` string: US street address. Provide this or latitude+longitude.
      - `latitude` number: Decimal latitude; provide with longitude.
      - `longitude` number: Decimal longitude; provide with latitude.
      - `transectMeters` integer: Distance from the point to each cardinal terrain sample; defaults to 100 meters.
  - object: OpenTopography collection dates, USGS 3DEP project metadata, and an NC state raster override where available, for property agents checking LiDAR vintage and elevation-source coverage. Returns those dates and the covering source. Terrain is an estimate; vintage varies and catalog recency does not establish raster vintage.
    - `name` 'locus_3dep_availability', required: Dated LiDAR collection and terrain source availability
    - `arguments` object, required
      - `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.
  - object: Returns straight-line distance to the nearest FAA public-use airport within 100 km, and to the nearest mapped motorway, trunk, and railway centerlines within about 3 km, for a US address or point. For agents checking transportation proximity. Distances only: no noise score, decibels, or a quiet, loud, safe, or unsafe label. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-noise-proximity instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_noise_proximity', required: Transportation-noise proximity facts
    - `arguments` object, required
      - `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.
  - object: State DOT road projects and AADT stations near a point. full project+traffic: CA, CO, CT, FL, MA, NC, NY, PA, RI, TX, VA, WA; traffic-only: AZ, IL, IN, KY, MD, MI, MN, NJ, OH, OK, OR, SC, TN, UT, WI. Unwired states are not covered. For road-work research, not a noise, safety, or commute finding. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-transportation-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_transportation_context', required: Funded road projects + traffic counts (state DOT)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 2000, max 5000.
  - object: Congressional, state senate, and state house districts containing a point, with provenance, for agents asking who represents an address, from Census TIGERweb. Use when asking who governs it or which voting districts contain it. Representation facts only; never political advice, ranking, or eligibility. National, read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-governing-districts instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_governing_districts', required: Who governs this address (Census TIGERweb)
    - `arguments` object, required
      - `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.
  - object: Returns Census TIGERweb county, municipality, and school-district boundaries, plus NCES directory facts from the Urban Institute Education Data Portal. National. Boundaries are not proof of a tax levy, and special districts and townships are outside TIGER. Rates are excluded. Directory facts are not school ratings.
    - `name` 'locus_taxing_districts', required: Census jurisdiction boundaries for property-tax context: county, municipality, school district (national)
    - `arguments` object, required
      - `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.
  - object: Texas TCEQ districts containing a point, with id, type, acreage, and citation, plus Comptroller total, M&O, I&S rates and levy per $100 with version date. For district-levy research, rateMatch identifies exact, normalized, or unmatched rows. None found differs from source failure. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-special-district-levy instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_special_district_levy', required: Special districts on a Texas parcel's tax bill, and what each one levies
    - `arguments` object, required
      - `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.
  - object: Water and sewer service polygons for an address or point. Coverage: Durham County, NC; Gwinnett County, GA; Travis County, TX; Wake County, NC. Returns public, no_public_service_mapped, or out_of_coverage per utility; provider when published. Lookup failures stay explicit; no map gap proves a private well or septic system.
    - `name` 'locus_utility_service_check', required: Water/sewer public service-area screen (county-scoped)
    - `arguments` object, required
      - `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.
  - object: Census TIGERweb US House and state legislative districts for an address, plus current state legislators, Congress members, and executives where Open States has records and a key. For agents checking representation; officials may degrade to districts only. Official-capacity contacts, not local officials or political advice. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-representatives instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_representatives', required: State & federal representatives for an address (cited)
    - `arguments` object, required
      - `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.
  - object: Active public water systems serving a county from EPA SDWIS via Envirofacts, for buyer, owner and lender agents. Returns systems with ECHO violation-history links. National by address, place, point, or state and county. Regulatory records only, not a water-quality verdict, exposure finding, or safety score. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-water-systems instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_water_systems', required: Drinking water systems (EPA SDWIS)
    - `arguments` object, required
      - `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.
      - `place` string: Optional US street address or unambiguous place; used to derive state+county when explicit state+county are not provided.
      - `state` string: Optional two-letter state code, e.g. NC; provide with county to skip point/place resolution.
      - `county` string: Optional county name, e.g. Wake or Wake County; provide with state to skip point/place resolution.
  - object: EPA PFAS Analytic Tools media samples, wastewater, TRI, Superfund or federal-site detections, and industry records where loaded, outside UCMR 5. For agents checking nearby records, measured or reported evidence stays separate from potential-handling flags. Proximity does not establish exposure or tap-water quality. National.
    - `name` 'locus_pfas_multimedia_nearby', required: Non-UCMR PFAS environmental and facility records nearby
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Straight-line search radius in meters; default 10000.
  - object: EPA SDWIS/ECHO Safe Drinking Water Act violation and enforcement rows, by PWSID, by active systems in a state and county, or by the county of an address or point. National where SDWIS publishes rows. Regulatory records only: not proof a property is served, not a tap-water measurement, and never a health or safety verdict. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-drinking-water-violations instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_drinking_water_violations', required: Drinking-water violations (EPA SDWIS/ECHO)
    - `arguments` object, required
      - `address` string: Address or place to resolve to county before querying SDWIS public-water-system violations.
      - `latitude` number
      - `longitude` number
      - `state` string: Two-letter state code when querying by county, e.g. NC.
      - `county` string: County name when querying by county, e.g. Wake.
      - `pwsids` string[]: Optional explicit public water system ids.
  - object: Returns EPA TRI reporting facilities in a county, with per-facility detail links, plus NRC and PHMSA verify links for spill or derailment event checks, for agents reviewing chemical-reporting facilities. National by address, place, point, or state plus county. Reports, not incidence, exposure, or a safety verdict. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-toxic-releases instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_toxic_releases', required: Toxic release reporting facilities (EPA TRI)
    - `arguments` object, required
      - `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.
      - `place` string: Optional US street address or unambiguous place; used to derive state+county when explicit state+county are not provided.
      - `state` string: Optional two-letter state code, e.g. NC; provide with county to skip point/place resolution.
      - `county` string: Optional county name, e.g. Wake or Wake County; provide with state to skip point/place resolution.
  - object: EPA ECHO All Media facilities near a point: program IDs, inspection and enforcement summary when returned, and official Detailed Facility Report links. For regulatory research by address or coordinates nationwide. NEI pollutant rows are a separate paid route; these records are not exposure or contamination findings. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-regulated-facility-compliance instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_regulated_facility_compliance', required: Regulated facility compliance nearby (EPA ECHO)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer
  - object: Returns EPA ECHO weekly national CSO outfalls and separately reported NPDES sewer-overflow or bypass events near an address or point. Outfalls are infrastructure; events are permittee or state reports. A missing event is not an overflow-free finding. Neither shows flooding, contamination, exposure, or condition. National.
    - `name` 'locus_sewer_overflow_nearby', required: Combined-sewer outfalls and reported sewer overflow/bypass events nearby
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Straight-line search radius in meters; default 5000.
      - `lookbackDays` integer: Reported-event lookback window; default 365 days.
  - object: EPA Map of Radon Zones county zone 1, 2, or 3 for a US point or state and county. For testing or disclosure follow-up: Zone 1 carries a radon overhang watch item. County potential, not a building reading, health claim, or property safety finding. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-radon-zone instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_radon_zone', required: EPA radon zone by county
    - `arguments` object, required
      - `address` string: Optional US street address; used to derive county when state+county or lat/lng are not provided.
      - `latitude` number: Optional decimal latitude; provide with longitude to derive county from the point.
      - `longitude` number: Optional decimal longitude; provide with latitude to derive county from the point.
      - `state` string: Optional two-letter state code; provide with county to skip point resolution.
      - `county` string: Optional county name, e.g. Wake County; provide with state to skip point resolution.
  - object: EPA TRI, RCRA, SDWIS, EPA radon zone, and NRC/PHMSA verify links for an address or county, for buyer, owner and lender agents. radonHeadline plus addressProximity lead; county background may match all county properties. National by lat/lng or state and county; not incident confirmation or a safety verdict. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-environmental-history-lookup instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_environmental_history', required: Environmental history: address-level proximity-ranked TRI/RCRA + county environmental composite (national)
    - `arguments` object, required
      - `address` string: Optional US street address; used to derive county when state+county or lat/lng are not provided.
      - `latitude` number: Optional decimal latitude; provide with longitude to derive county from the point.
      - `longitude` number: Optional decimal longitude; provide with latitude to derive county from the point.
      - `state` string: Optional two-letter state code; provide with county to skip point resolution.
      - `county` string: Optional county name, e.g. Wake; provide with state to skip point resolution.
      - `radiusMeters` integer: Optional proximity radius in meters for the TRI/RCRA address ranking; default ~5000 (3.1 mi), clamped to ~24000 (15 mi).
  - object: EPA Cleanups in My Community and Superfund/NPL map records near a point for agents, with status fields and EPA links. National by lat/lng or geocoded address. Brownfields carry a candidate flag until the EPA record verifies status. Awareness only: not a contamination, exposure, liability, health, or safe/unsafe conclusion. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-cleanup-sites instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_cleanup_sites', required: Cleanup sites nearby (EPA Superfund/NPL + Brownfields)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer
  - object: EPA UST Finder tank facilities and leaking-tank releases near a point, kept distinct. Returns counts, status, substance, date, closure residual-contamination field, distance, and coordinate precision. For tank-history research: a tank is not a leak, and a closed release does not prove clean soil. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-underground-storage-tanks instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_underground_storage_tanks', required: Underground storage tanks + leaking-tank releases nearby (EPA UST Finder)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer
  - object: Weekly US Drought Monitor status for the county of a point, plus recent weeks. Returns D0 Abnormally Dry through D4 Exceptional Drought, with cumulative area percentages and non-overlapping bands (raw columns are cumulative). USDM describes the county, not an address, well, or parcel, and it does not set water restrictions.
    - `name` 'locus_drought_status', required: Drought status and recent history for the county (US Drought Monitor)
    - `arguments` object, required
      - `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.
      - `weeks` integer
  - object: Nearby USGS monitoring wells, aquifer codes, construction-depth distribution, and latest water level, from national USGS Water Data. For well-water buyer diligence. Distance bands only. Not domestic-well or drilling-depth, water presence, yield, potability, contamination, or cost prediction. No wells is not no groundwater. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-groundwater-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_groundwater_context', required: Groundwater and monitoring-well context (USGS Water Data)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Bounded radius around the subject point in meters; default 5000, minimum 500, maximum 25000.
  - object: EPA Sole Source Aquifer designations at an address or point, with region, link, and Federal Register citation. EPA reviews federally funded projects under SDWA 1424(e), not private permits. A clean negative needs a validated current snapshot; stale data is explicit. Includes Guam, Hawaii, and Puerto Rico. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-sole-source-aquifer instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_sole_source_aquifer', required: EPA Sole Source Aquifer designation context
    - `arguments` object, required
      - `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.
  - object: Returns nearby OpenStreetMap places for a US address or point: food, groceries, schools, healthcare, parks, transit, civic buildings, worship, banks, and fuel or EV, with distance and an OSM verify link. North Carolina uses AddressNC; elsewhere, OSM geocoding. Mapped places only, not a full inventory or an area judgment. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-nearby-places instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_nearby_places', required: What's around a place (OpenStreetMap, national)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 800, max 3000.
  - object: Nearest OSM fire station, hospital/clinic, police, hydrant, electric substation, and water tower for a US address or point, for buyer, owner and lender agents. Returns straight-line distance, an OSM verify link, and radius counts. National; not a fire rating, insurance call, response time, or safety verdict; unnamed rows count. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-public-utilities instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_public_utilities', required: Nearest public utilities & emergency services (fire station, hospital, police, hydrant, substation)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 5000, clamped to [500, 8000].
  - object: Returns FEMA OpenFEMA NFIP redacted claims aggregated to the county at a US point: count, total paid for building and contents, year range, and top rated flood zones by count. For agents asking about paid flood losses in an area. No personal data. History only, not a prediction, a risk score, or a fact about one property. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-nfip-claims instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_nfip_claims', required: FEMA NFIP flood-insurance claims, aggregated to the county
    - `arguments` object, required
      - `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.
  - object: WFIGS historical wildfire perimeters within about five miles of a US point: incident name, category, acres, and discovery year where present. For agents checking recorded nearby fire history, not modeled hazard. An empty result is bounded by the source; no perimeters do not prove a place free of past fire. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-wildfire-history instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_wildfire_history', required: Historical wildfire perimeters near a point (WFIGS interagency)
    - `arguments` object, required
      - `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.
  - object: Nearest EPA AirNow monitors and NOAA HMS smoke polygons at a point for agents. Reports monitor distance, AQI category, source freshness, and smoke density. Not wildfire hazard: locus_wildfire_risk (modeled), locus_wildfire_history (perimeters). No nearby monitor is not good air; never ties AQI to a fire or scores safe/unsafe.
    - `name` 'locus_air_quality_current', required: Current air quality and satellite-observed smoke
    - `arguments` object, required
      - `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.
      - `radiusKm` integer: Optional nearest-monitor search radius in kilometers; default 80, max 250. NOAA smoke uses exact point intersection.
  - object: Returns USDA NRCS SSURGO map-unit ratings at a point: dwellings with or without basements, septic-field, and shallow-excavation limits, plus drainage, hydric rating, slope, shrink-swell, and water-table and bedrock depths. For agents. Not a perc test, permit, or buildability finding. Urban points often return out_of_coverage. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-soil-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_soil_context', required: Soil context & site constraints (USDA SSURGO): septic, foundation, drainage, shrink-swell
    - `arguments` object, required
      - `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.
  - object: FEMA disaster declarations by county, NFIP flood claims by ZIP, and preliminary FIRM panels at a point. Accepts address, place, point, or state and county FIPS. For agents checking past declarations and claims; claims are ZIP-level, not parcel-level. National history and map status, not a prediction or quote. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-fema-events instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_fema_events', required: FEMA events: declarations, flood claims, map revisions
    - `arguments` object, required
      - `address` string: Optional US street address; derives ZIP for NFIP claims and the point for preliminary-FIRM when geocodable. Explicit zip/lat/lng win over derived.
      - `state` string: Optional two-letter state code for disaster declarations; provide with countyFips3.
      - `countyFips3` string: Optional 3-digit county FIPS within state for declarations, e.g. 183 for Wake.
      - `zip` string: Optional 5-digit or ZIP+4 code for NFIP flood-claim history; overrides address-derived ZIP.
      - `latitude` number: Optional decimal latitude for preliminary FIRM panels; provide with longitude.
      - `longitude` number: Optional decimal longitude for preliminary FIRM panels; provide with latitude.
  - object: Returns recent OpenFEMA county declarations and published Individuals and Households Program filing dates that have not passed, for agents checking whether a FEMA window is still open. Cited pointers: FEMA, DisasterAssistance.gov, IRS, and the matching registry. Declaration facts only. FEMA decides eligibility.
    - `name` 'locus_open_disaster_assistance', required: Open FEMA individual-assistance windows
    - `arguments` object, required
      - `address` string: US street address. Provide this, latitude+longitude, or state+county.
      - `latitude` number: Decimal latitude. Provide with longitude.
      - `longitude` number: Decimal longitude. Provide with latitude.
      - `state` string: Two-letter code or full US state name. Provide with county.
      - `county` string: County or county-equivalent name. Provide with state.
      - `monthsBack` integer: Calendar months of declarations to request. Default 36, maximum 120.
  - object: FHFA 2026 one-to-four-unit conforming loan limits for a resolved US county, with optional arithmetic on a caller-supplied loan amount, for buyer and lender agents, from FHFA. Use as the published eligibility ceiling before a loan-size question. No qualification, approval, value, or recommendation. National, read-only.
    - `name` 'locus_loan_limits', required: 2026 county conforming loan limits
    - `arguments` object, required
      - `address` string: US street address. Provide this, latitude+longitude, or state+county.
      - `latitude` number: Decimal latitude. Provide with longitude.
      - `longitude` number: Decimal longitude. Provide with latitude.
      - `state` string: Two-letter code or full US state name. Provide with county.
      - `county` string: County or county-equivalent name. Provide with state.
      - `units` union: Residential unit count used to select the published limit. Default 1.
        - 1
        - 2
        - 3
        - 4
      - `proposedLoanAmountUsd` number: Optional caller-supplied loan amount for arithmetic against the published limit.
  - object: Returns twelve cited mortgage statute and agency fact cards, plus deterministic dates only for loan, notice, sale, escrow, and appraisal inputs the caller supplies, for agents laying out a mortgage calendar. National. No legal advice, qualification, approval odds, value opinion, or recommendation. Read-only.
    - `name` 'locus_owner_mortgage_calendar', required: Cited owner mortgage calendar
    - `arguments` object, required
      - `originationDate` string, date: Loan origination date in YYYY-MM-DD format.
      - `originalValueUsd` number: Caller-supplied original property value used only for scheduled 80% and 78% balance arithmetic.
      - `originalLoanAmountUsd` number: Caller-supplied original principal balance.
      - `annualRatePercent` number: Caller-supplied nominal annual interest rate percent.
      - `termMonths` integer: Amortization term in months. Default 360.
      - `loanType` 'conventional' | 'fha' | 'va' | 'usda'
      - `escrowComputationYearEnd` string, date
      - `forcePlacedNoticeDate` string, date
      - `floodForcePlacementNoticeDate` string, date
      - `foreclosureSaleDate` string, date
      - `txDefaultNoticeDate` string, date
      - `appraisalReceivedDate` string, date
  - object: Return active and recent development/site-plan, subdivision, rezoning, and zoning-board cases near a point from covered official planning/GIS sources, with status, dates, source links, and permit-overhang watch items for open/expired/no-final statuses. Use when the user asks what is being built, rezoned, or developed near an address. Coverage is SOURCE-SPECIFIC: Wake County, NC, Chatham County, NC, and Iredell County, NC; plus 97 verified registry jurisdictions across AZ, CA, CO, DC, FL, GA, ID, IL, IN, MA, MD, MI, MN, NC, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI (examples: Arapahoe County, CO, Beaufort County, SC — Development Review Board, and Brunswick County, NC). NYC = Board of Standards & Appeals zoning variances/special permits ONLY, not ULURP/City-Planning land-use actions; Boston = BPDA Article 80 projects). Each result names its source; see knownGaps for what a jurisdiction does NOT cover. Records only, never approval odds or value prediction. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-development-cases instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_development_cases', required: Development & zoning-board cases near a point
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 1500, max 5000.
  - object: Plan for 2-6 properties, for agents before deeper diligence: parcel, jurisdiction/policy, zoning/future land use, permits, utility, access, environmental, tax districts, public facilities, market, source gaps. No search/tool call/rank/winner/score/feasibility or legal/engineering/survey/brokerage/valuation/permitting advice.
    - `name` 'locus_compare_properties', required: Compare properties source map
    - `arguments` object, required
      - `properties` object[], required: Two to six properties to compare. Each property needs an address, parcel id/PIN, or place label.
        - `label` string: Optional short label for this property, e.g. Site A or Downtown parcel.
        - `address` string: Optional US street address for this property.
        - `parcelId` string: Optional public parcel id/PIN/APN if known.
        - `place` string: Optional place/jurisdiction label when a street address is not available.
        - `notes` string: Optional caller note about the property; lead-only until verified against official records.
      - `projectType` string: Optional project/use concept to focus the comparison, e.g. multifamily, retail pad, industrial, subdivision.
      - `comparisonFocus` string: Optional natural-language focus such as utility readiness, entitlement risk, zoning differences, access, flood/soils, fees, or acquisition diligence.
  - object: Parcel discovery plan for an area/spec with no address, for agents: parcel/GIS, zoning/future land use, public/surplus land, utility, DOT/TIP/access, environmental, entitlements, Legistar/fees, broker leads to verify. No search, pick, rank, good/bad, feasibility, or legal/engineering/survey/brokerage/valuation/permitting advice.
    - `name` 'locus_development_site_discovery', required: Development site discovery source map
    - `arguments` object, required
      - `area` string, required: Required US search area, e.g. a county, city, corridor, submarket, ZIP cluster, or 'near <place>'; used before a specific address is known.
      - `projectType` string: Optional development concept, e.g. multifamily, mixed-use, industrial, subdivision, data center, retail pad.
      - `criteria` string: Optional natural-language hard filters or preferences: acreage, sewer, frontage, avoid floodplain, near planned road work, public land, etc.
      - `targetZoning` string: Optional zoning/future-land-use/use signal to search for, e.g. CX, industrial, mixed-use, TOD, multifamily by-right.
      - `minAcres` number: Optional minimum parcel/site acres for discovery filtering.
      - `maxAcres` number: Optional maximum parcel/site acres for discovery filtering.
      - `maxCandidates` integer: Optional maximum candidate parcel leads for the search-capable agent to return; default 10, max 25.
  - object: Locus tools and packs for a place: parcel/zoning, entitlements, Legistar/council, water/sewer, DOT/TIP/access, stormwater/buffers, schools, fees, and permit/transfer velocity. Before LOI, rezoning, subdivision, or site plan. Prompt only: no web search and no feasible, legal, engineering, survey, valuation, or permitting advice.
    - `name` 'locus_predevelopment_feasibility', required: Pre-development feasibility source map
    - `arguments` object, required
      - `address` string: Optional US street address; resolves the governing jurisdiction when provided.
      - `place` string: Optional place/ZIP/jurisdiction label when a street address is not available.
      - `state` string: Optional two-letter state code; useful with county when no address is available.
      - `county` string: Optional county name; useful with state when no address is available.
      - `municipality` string: Optional city/town name to target municipal planning, council, and utility sources.
      - `projectType` string: Optional project concept, e.g. multifamily, mixed-use, industrial, subdivision, data center.
  - object: Bounded web-search prompt and query pack for data-center, crypto-mining, or compute-campus records in a US county or place. Directs a search-capable agent to official planning, GIS, agendas, utilities, ordinances, and environmental sources. For source discovery, not a match or no-match finding; read-only.
    - `name` 'locus_data_center_watch', required: Data-center web-search prompt + local representative discovery
    - `arguments` object, required
      - `address` string: Optional US street address; used to resolve the county when state+county is not provided.
      - `latitude` number: Optional decimal latitude; provide with longitude to resolve county when address is absent.
      - `longitude` number: Optional decimal longitude; provide with latitude to resolve county when address is absent.
      - `state` string: Optional two-letter state code for an explicit county scan, e.g. NC; provide with county.
      - `county` string: Optional county name for an explicit scan, e.g. Lee County, Wake County, Maricopa County; provide with state.
      - `municipality` string: Optional city/town name to make agenda, planning-board, and city-council searches more targeted.
      - `includeRepresentatives` boolean: Optional boolean; default true. Include representative-discovery search prompts for official local roster/contact/agenda resources.
  - object: Resolves a US address to the governing city or unincorporated county, not a same-named place, then returns a jurisdiction-locked search prompt, query pack, and official-source targets. Agent runs the search. Locus serves no ordinance text. Right jurisdiction when a place resolves; the section is not guaranteed. Not legal advice.
    - `name` 'locus_ordinance_leads', required: Local ordinance lead-finder (jurisdiction-locked web-search prompt)
    - `arguments` object, required
      - `address` string: US street address; resolves the governing jurisdiction (city vs unincorporated county) whose local code is targeted.
      - `place` string: Alternative to address: a place/ZIP to resolve the governing jurisdiction.
      - `topics` string[]: Optional subset of ordinance topics to focus the query pack (e.g. short_term_rental, accessory_dwelling, setbacks).
  - object: The dated obligations around property taxes for a US county: the STABLE statutory framework (reappraisal cadence, appeal/protest window, bill/delinquency rules, relief deadlines) cited to the state tax code, PLUS a pointer to the county's official source and a web-search prompt to fetch THIS year's exact county dates live (those reset annually and are set per jurisdiction, so Locus does not store them). Verified prior-cycle county dates are included where Locus has curated them (NC). Use when the user asks about tax deadlines, an appeal/protest window, or when bills are due. State framework: North Carolina, Texas, District of Columbia, California, Florida, New York, Alabama, Alaska, Arkansas, Arizona, Colorado, Connecticut, Delaware, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming; verified county overlay: Wake, Durham, Iredell, Mecklenburg, Guilford, Forsyth, New Hanover, Buncombe, Cumberland, Union, Gaston, Cabarrus, and Johnston. Provide a county + state (e.g. "Harris County, TX") or a full address.
    - `name` 'locus_tax_calendar', required: Property tax lifecycle calendar (deadlines)
    - `arguments` object, required
      - `county` string: County name, optionally with state, e.g. "Harris County, TX" or "Wake County, NC".
      - `state` string: Two-letter state abbreviation (e.g. TX, NC) to disambiguate a county name.
      - `address` string: Alternative to county+state: a full street address or ZIP to resolve the governing county.
      - `year` integer: Tax year for the live-lookup prompt; defaults to the current year.
  - object: Compute the property-value appeal/protest filing deadline from a US address, two-letter state code, or full state name and, when given, the date on the owner's notice. Pure date arithmetic on a cited rule; returns both candidates for later-of rules; never advises whether to appeal. Covered states: TX GA AZ FL NC CO OH NJ WA CA NY IL MI TN; PA only for Philadelphia. Locality rows: New York City class 1, New York City other classes, Nassau County, Philadelphia. Other localities return coverage guidance to locus_tax_calendar and locus_appeal_filing_guide. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-appeal-window instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_appeal_window', required: Cited property-value appeal deadline calculator
    - `arguments` object, required
      - `noticeDate` string, date: Optional ISO date YYYY-MM-DD from the owner's notice; use the mailed, delivered, printed, or publication date named by the returned rule.
      - `year` integer: Tax year; defaults to the current year.
      - `locality` string: Optional locality row: nyc_class1, nyc_other, nassau, or philadelphia. Other localities return coverage guidance.
      - `propertyClass` string: Optional published property class. NYC class 1 selects the nyc_class1 row when locality is not supplied.
      - `revaluationYear` boolean: NJ only: true when a municipal-wide revaluation or reassessment was implemented.
      - `countyExtended` boolean: WA only: true when the county adopted the 60-day notice period.
      - `state` string: Two-letter US state abbreviation or full state name, for example TX or Texas.
      - `address` string: Full US address used to resolve the governing state, county, and locality.
  - object: Forms, filing body, next appeal body, portal mode, fee rule, hearing modes, and verification steps for agents from an address, state code, or full state name, for registered state and local assessment-appeal workflows. Returns official filing facts plus a browser-workflow handoff. Does not file or advise whether to appeal.
    - `name` 'locus_appeal_filing_guide', required: Property assessment appeal filing guide
    - `arguments` object, required
      - `county` string: Optional county or appraisal-district name, for example Harris County.
      - `locality` string: Optional city, appraisal district, or local board name, for example New York City.
      - `state` string: Two-letter US state abbreviation or full state name, for example TX or Texas.
      - `address` string: Full US address used to resolve the governing state, county, and locality.
  - object: Cook County Board of Review and Assessor aggregates, NYC Tax Commission granted-reduction totals, Texas Comptroller 2024 appraisal-district survey facts, or official pointers for agents. From an address, state code, or state name. Historical only: never a parcel forecast, value opinion, score, ranking, or filing recommendation.
    - `name` 'locus_appeal_outcomes', required: Published assessment-appeal outcome aggregates
    - `arguments` object, required
      - `county` string: Optional county name. Cook County has Board of Review and Assessor aggregates; Texas counties use the statewide Comptroller survey.
      - `township` string: Optional Cook County township name or two-digit township code.
      - `taxYear` integer: Optional tax year. When omitted, Socrata sources return the three most recent prior years.
      - `majorclass` string: Cook County Board of Review major property class; defaults to Residential. Assessor aggregates do not filter numeric class.
      - `state` string: Two-letter US state abbreviation or full state name, for example TX or Texas.
      - `address` string: Full US address used to resolve the governing state, county, and locality.
  - object: Return official capital-project and special-assessment context near a point from source-specific local registries. Coverage: Raleigh, NC and Chatham County, NC; plus 69 verified registry jurisdictions across AZ, CA, CO, DC, FL, GA, ID, IL, KY, MA, MI, MN, NC, NJ, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA (examples: Ada County Highway District (ACHD), ID, Beaufort County, SC — Stormwater Utility, and Bergen County, NJ). Some sources are near-point project layers while others are countywide budget context; each result labels its scope. Records only, never a cost, property-value, service-capacity, or disruption prediction. Read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-capital-projects instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_capital_projects', required: Capital projects + special assessments context
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 1609, max 5000.
  - object: Return recent recorded parcel sales near a point from official assessor/parcel sources that publish sale data (Aitkin County, Anoka County, Barnstable County, Beaufort, Becker County, Benton County, Bergen County, Berkshire County, Big Stone County, Bristol County, Broward County, Carlton County, Carver County, Cass County, Chatham County, Chatham County, NC (COMPER), Chippewa County, Chisago County, Clay County, Clearwater County, CO statewide, Cook County, Crow Wing County, CT statewide, Dakota County, Davidson County, DC statewide, Denver, Denver County, Douglas County, Dukes County, Duval County, Essex County, Fillmore County, Franklin County, Grant County, Hampden County, Hampshire County, Hennepin County, Hillsborough County, Houston County, Hudson County, Iredell County, Isanti County, Itasca County, Jackson County, Koochiching County, Lac qui Parle County, Lake County, Lake of the Woods County, Lee County, Lyon County, Maricopa County, Marshall County, McLeod County, MD statewide, Miami-Dade County, Middlesex County, Mille Lacs County, Monmouth County, Morris County, Morrison County, Mower County, Multnomah County, Murray County, Nantucket County, Norfolk County, Norman County, Olmsted County, Orange County, Osceola County, Otter Tail County, Palm Beach County, Pasco County, Passaic County, Pennington County, Philadelphia County, Pipestone County, Plymouth County, Polk County, Pope County, Ramsey County, Red Lake County, Renville County, Rice County, Scott County, Seminole County, Sherburne County, St. Louis County, Stearns County, Steele County, Stevens County, Traverse County, Union County, Wabasha County, Wake County, Waseca County, Washington County, Wilkin County, Winona County, Worcester County, Wright County, and Yellow Medicine County), plus the Chatham County COMPER comparable-sales app: site address, recorded sale date, price, and verify links. Use when the user asks what nearby homes sold for, or about recent recorded sales near an address. Owner, mailing, buyer, and seller fields are stripped. Not a valuation, appraisal, AVM, or price prediction. Read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-parcel-transfers instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_parcel_transfers', required: Recent parcel sales near a point (Aitkin County, Anoka County, Barnstable County, Beaufort, Becker County, Benton County, Bergen County, Berkshire County, Big Stone County, Bristol County, Broward County, Carlton County, Carver County, Cass County, Chatham County, Chatham County, NC (COMPER), Chippewa County, Chisago County, Clay County, Clearwater County, CO statewide, Cook County, Crow Wing County, CT statewide, Dakota County, Davidson County, DC statewide, Denver, Denver County, Douglas County, Dukes County, Duval County, Essex County, Fillmore County, Franklin County, Grant County, Hampden County, Hampshire County, Hennepin County, Hillsborough County, Houston County, Hudson County, Iredell County, Isanti County, Itasca County, Jackson County, Koochiching County, Lac qui Parle County, Lake County, Lake of the Woods County, Lee County, Lyon County, Maricopa County, Marshall County, McLeod County, MD statewide, Miami-Dade County, Middlesex County, Mille Lacs County, Monmouth County, Morris County, Morrison County, Mower County, Multnomah County, Murray County, Nantucket County, Norfolk County, Norman County, Olmsted County, Orange County, Osceola County, Otter Tail County, Palm Beach County, Pasco County, Passaic County, Pennington County, Philadelphia County, Pipestone County, Plymouth County, Polk County, Pope County, Ramsey County, Red Lake County, Renville County, Rice County, Scott County, Seminole County, Sherburne County, St. Louis County, Stearns County, Steele County, Stevens County, Traverse County, Union County, Wabasha County, Wake County, Waseca County, Washington County, Wilkin County, Winona County, Worcester County, Wright County, and Yellow Medicine County)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 500, max 500 on the free tool. The paid locus-comps-brief tool searches up to 1500m.
      - `monthsBack` integer: Optional lookback window in months for recorded sales; default 3, max 3 on the free tool. The paid locus-comps-brief tool looks back up to 24 months and adds median + price/area + trend.
  - object: Returns dated NOAA Storm Events Database records for a county from 1950 to present: event type, date, damage estimates, and narrative. Pass an address, place, point, or state FIPS plus county name and 3-digit county FIPS. County history, not a parcel risk forecast, insurance estimate, or safety verdict. National. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-storm-events instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_storm_events', required: Storm and hazard event history by county (NOAA)
    - `arguments` object, required
      - `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.
      - `place` string: Optional US place or address; use a street address or unambiguous place with state when FIPS are not provided.
      - `stateFips` string: Optional state FIPS, e.g. 37 for NC. Omit to resolve from the address/place/point.
      - `countyName` string: Optional county name as NOAA labels it, e.g. Wake. Omit to resolve from the address/place/point.
      - `countyFips3` string: Optional 3-digit county FIPS, e.g. 183 for Wake. Omit to resolve from the address/place/point.
      - `beginYear` integer: Optional start year for NOAA events; default source helper range starts at 1950.
      - `endYear` integer: Optional end year for NOAA events; omit for latest available year.
  - object: Returns one cited scan of development cases, capital projects, assessments, recent parcel sales, and the county tax calendar around a place, plus FEMA map revisions, declarations, or claims when inputs support them. For an owner or manager asking what changed. North Carolina addresses are geocoded. Not a value or risk verdict. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-ownership-loop instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_ownership_loop', required: Ownership-loop composite: dated changes around one place
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters for nearby ownership-loop lanes; default 1500, max 5000.
      - `county` string: Optional covered county name for the tax calendar, e.g. Wake.
      - `state` string: Optional two-letter state code for FEMA declarations; provide with countyFips3.
      - `countyFips3` string: Optional 3-digit county FIPS for FEMA declarations, e.g. 183 for Wake.
      - `zip` string: Optional 5-digit or ZIP+4 code for NFIP flood-claim history.
  - object: Cited parcel facts, FEMA flood designation, governing districts, DOT projects/traffic where wired, and NC property-tax rates where available, for one US address, for agents. Pre-sign first look with per-lane status, not a single-topic ask. Geocodes via NC AddressNC or national fallback. No verdict, score, forecast, or valuation. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-place-facts instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_place_facts', required: Pre-sign place facts: one address, five official lanes
    - `arguments` object, required
      - `address` string, required: Required US street address; geocodes once and fans out to parcel, flood, district, transport, and tax lanes where wired.
  - object: Coastal source-pack catalog: parcels, address points, roads, zoning, FEMA flood, wetlands, coastal-permit leads, resiliency, permits, public-safety leads, agendas/ordinances. Use before overlay lookup or coverage work. No records, owner names, scores, or conclusions. SC, NC, GA, and FL Atlantic, Gulf, and Panhandle only.
    - `name` 'locus_coastal_county_catalog', required: Coastal county source catalog
    - `arguments` object, required
      - `county` 'beaufort-sc' | 'new-hanover-nc' | 'wilmington-nc' | 'carteret-nc' | 'morehead-city-nc' | 'chatham-ga' | 'savannah-ga' | 'bryan-ga' | 'jasper-sc' | 'effingham-ga' | 'charleston-sc' | 'horry-sc' | 'georgetown-sc' | 'brunswick-nc' | 'onslow-nc' | 'pender-nc' | 'glynn-ga' | 'st-johns-fl' | 'brevard-fl' | 'volusia-fl' | 'miami-dade-fl' | 'broward-fl' | 'palm-beach-fl' | 'martin-fl' | 'st-lucie-fl' | 'indian-river-fl' | 'monroe-fl' | 'nassau-fl' | 'duval-fl' | 'flagler-fl' | 'collier-fl' | 'lee-fl' | 'charlotte-fl' | 'sarasota-fl' | 'manatee-fl' | 'hillsborough-fl' | 'pinellas-fl' | 'pasco-fl' | 'hernando-fl' | 'citrus-fl' | 'levy-fl' | 'dixie-fl' | 'taylor-fl' | 'jefferson-fl' | 'wakulla-fl' | 'franklin-fl' | 'gulf-fl' | 'bay-fl' | 'walton-fl' | 'okaloosa-fl' | 'santa-rosa-fl' | 'escambia-fl': Optional county/source pack id, e.g. miami-dade-fl, new-hanover-nc, carteret-nc, beaufort-sc, or chatham-ga; omit to list all packs.
  - object: ArcGIS overlays at a point for agents: parcel/address, zoning, flood zones, wetlands, resiliency/coastal context, and SFHA watch items if mapped. Supported SC, NC, GA, and FL Atlantic, Gulf, and Panhandle counties. No owner names, insurance/legal conclusions, scores, or verdicts. Jasper and Effingham are partial/discovery leads. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-coastal-overlays instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_coastal_county_overlays', required: Coastal parcel overlays at a point
    - `arguments` object, required
      - `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.
      - `county` 'auto' | 'beaufort-sc' | 'new-hanover-nc' | 'wilmington-nc' | 'carteret-nc' | 'morehead-city-nc' | 'chatham-ga' | 'savannah-ga' | 'bryan-ga' | 'jasper-sc' | 'effingham-ga' | 'charleston-sc' | 'horry-sc' | 'georgetown-sc' | 'brunswick-nc' | 'onslow-nc' | 'pender-nc' | 'glynn-ga' | 'st-johns-fl' | 'brevard-fl' | 'volusia-fl' | 'miami-dade-fl' | 'broward-fl' | 'palm-beach-fl' | 'martin-fl' | 'st-lucie-fl' | 'indian-river-fl' | 'monroe-fl' | 'nassau-fl' | 'duval-fl' | 'flagler-fl' | 'collier-fl' | 'lee-fl' | 'charlotte-fl' | 'sarasota-fl' | 'manatee-fl' | 'hillsborough-fl' | 'pinellas-fl' | 'pasco-fl' | 'hernando-fl' | 'citrus-fl' | 'levy-fl' | 'dixie-fl' | 'taylor-fl' | 'jefferson-fl' | 'wakulla-fl' | 'franklin-fl' | 'gulf-fl' | 'bay-fl' | 'walton-fl' | 'okaloosa-fl' | 'santa-rosa-fl' | 'escambia-fl': Optional source pack. Use auto or omit to resolve the county from the point via FCC.
  - object: Return the public anonymized coverage-demand queue for agents: places requested and aggregate counts, to see how expansion is prioritized before locus_request_coverage. Aggregate counts only; no requester identity, records, briefs, scores, or verdicts.
    - `name` 'locus_coverage_demand', required: Coverage demand (public, aggregate)
    - `arguments` object, required
  - object: Official mapped zoning district and overlays at a point. Wired states: AZ, CA, CO, DC, FL, GA, IL, IN, MA, MD, MI, MN, NC, NJ, NV, NY, OH, OK, PA, SC, TN, TX, UT, WA, WI. Optional requestedUse returns reviewed NYC use-table evidence for a small fixed use set when enabled; always ask the remaining parcel-specific question. Raleigh, Wake, and Morrisville add context; elsewhere not covered. Pair locus_development_cases for change nearby. Never permitted-use approval, buildability, or value prediction. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-zoning instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_zoning', required: Zoning district + overlays at a point
    - `arguments` object, required
      - `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.
      - `requestedUse` string: Optional proposed use for narrow official NYC Zoning Resolution evidence. Current reviewed aliases: restaurant, cafe, detached single family home. No permission verdict.
  - object: FEMA National Risk Index wildfire rating, 0-100 score, annualized frequency, and expected annual loss for the census tract at a US point. For agents checking a relative tract-level hazard model. Source coverage depends on published tract data; not a property prediction, insurance determination, or safety finding. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-wildfire-risk instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_wildfire_risk', required: Wildfire risk at a point (FEMA National Risk Index)
    - `arguments` object, required
      - `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.
  - object: Return transit-agency bus stops and deduped routes near a point, including stop amenities and headway frequencies from official GIS layers. Use when the user asks about bus stops, transit, or public-transit access near an address in a covered service area. Coverage (registry-derived): GoRaleigh service area (Wake County, NC); MTA New York City Transit (bus) service area (New York County / Kings County / Queens County / Bronx County / Richmond County, NY); LA Metro service area (Los Angeles County, CA); Houston METRO service area (Harris County, TX); CATS (Charlotte Area Transit System) service area (Mecklenburg County, NC); Miami-Dade Transit (DTPW) service area (Miami-Dade County, FL); WeGo Public Transit service area (Davidson County, TN); WMATA Metrobus service area (District of Columbia, DC); DART (Dallas Area Rapid Transit) service area (Dallas County, TX); SEPTA service area (Philadelphia County, PA); MARTA service area (Fulton County / DeKalb County / Clayton County, GA); VIA Metropolitan Transit service area (Bexar County, TX); King County Metro service area (King County, WA); Valley Metro (City of Phoenix stops) service area (Maricopa County, AZ); PPACG regional transit providers service area (El Paso County, CO); RTD (Denver Regional Transportation District) service area (Denver County, CO). Outside coverage it returns an explicit out_of_coverage with the supported scope. Mapped service facts only, never a commute, accessibility, safety, or livability verdict. Read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-transit-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_transit_context', required: Transit stops + routes near a point (wired transit agencies)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 400, max 2000.
  - object: FREE preview of nearby parcels with a REPORTED public-record tax or foreclosure status near a point — tax delinquency, tax-lien sale, tax/mortgage foreclosure, sheriff sale, tax auction — from wired official county/treasurer/sheriff GIS sources. Returns COVERAGE + a nearby COUNT + a distress-type breakdown (byType), NOT the itemized records: the per-record site address, amount owed, and parcel id are the paid locus-tax-liens lookup. Use when the user asks whether/how many tax-distressed, delinquent, foreclosure, tax-sale, or sheriff-sale properties are near an address in a covered county. Coverage (registry-derived): Pinal County, AZ (tax delinquency); Yavapai County, AZ (tax-lien sale); Shasta County, CA (tax auction); Orange County, FL (mortgage foreclosure); Dakota County, MN (mortgage foreclosure); Craven County, NC (tax foreclosure); Allen County, OH (tax delinquency); Franklin County, OH (tax foreclosure, tax delinquency); Mahoning County, OH (tax delinquency); Stark County, OH (tax delinquency); Horry County, SC (tax delinquency); Bexar County, TX (tax foreclosure, mortgage foreclosure); Cache County, UT (tax delinquency); Milwaukee County, WI (sheriff sale). Outside coverage it returns an explicit out_of_coverage with the supported scope. NEVER an owner/redemption/party name, and NEVER a 'distressed'/'deal'/'buy'/investment verdict or characterization beyond the cited public-record status. Filings are procedural — a parcel may be redeemed, paid, dismissed, or already sold. Read-only. Use this when you need a nearby count and breakdown, without individual lien records. Use locus-tax-liens instead when you need itemized public lien records and citations.
    - `name` 'locus_tax_distress', required: Reported tax/foreclosure distress COUNT + breakdown near a point (wired counties; free preview)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 1500, max 8000.
      - `distressTypes` string[]: Optional filter to specific distress families (delinquent, tax_lien_sale, tax_foreclosure, mortgage_foreclosure, sheriff_sale, tax_auction, land_forfeiture); omit for all wired families.
  - object: Returns recent 311 requests near a point (type, status, opened and closed dates, location) from a Locus synced mirror of San Diego Get It Done data (data.sandiego.gov). Not live. Cite last sync; stale mirror returns source_unavailable. San Diego County only; else out_of_coverage. No complaint text or nuisance verdict.
    - `name` 'locus_service_requests', required: Recent 311 service requests near a point (San Diego; synced mirror)
    - `arguments` object, required
      - `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.
      - `radiusMeters` integer: Optional search radius in meters around the point; default 800, max 3000.
  - object: EPA RCRAInfo hazardous-waste handler records for a county or ZIP, for buyer, owner and lender agents. Returns generator status, activities, coordinates, and ECHO verify links for an address, point, ZIP with state, or state and 3-digit county FIPS. Reporting notifications only, not exposure, contamination, or a safety verdict. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-rcra-handlers instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_rcra_handlers', required: Hazardous-waste handlers (EPA RCRA, national)
    - `arguments` object, required
      - `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.
      - `place` string: Optional US place or address; use a street address or unambiguous place with state when FIPS are not provided.
      - `state` string: Optional two-letter state code, e.g. NC. Required only when using explicit countyFips3 or ZIP without address/place/point.
      - `countyFips3` string: Optional 3-digit county FIPS; provide for county scan when ZIP is absent, or omit to resolve from address/place/point.
      - `zip` string: Optional 5-digit or ZIP+4 code; provide for ZIP scan instead of countyFips3.
  - object: Census ACS 5-year tract housing-stock facts at a US point: total units, tenure mix, median gross rent, median home value, and median year built, from Census ACS. Use for tenure, rent, value, and age. Tract aggregates only; never a valuation, rent prediction, screening signal, or verdict. No demographics or listings. Read-only. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-housing-stock instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_housing_stock', required: Housing-stock facts at a point (Census ACS, national)
    - `arguments` object, required
      - `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.
  - object: Eviction Lab weekly tract filing counts and LSC monthly county filing counts, for agents who need area context. Use to see area filing volume before a neighborhood or housing question. Area context only; never use the counts to screen a person or a property.
    - `name` 'locus_eviction_filings', required: Area eviction filing counts
    - `arguments` object, required
      - `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.
  - object: Home-purchase counts and median reported property value by tract, each suppressed below 10 loans, for agents reading area lending context, from FFIEC and CFPB HMDA. Use as tract context before an area question. Area context only; not borrower or property data, and not a screening result.
    - `name` 'locus_hmda_tract_context', required: HMDA tract loan aggregates
    - `arguments` object, required
      - `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.
  - object: HUD Fair Market Rents for a US county by fiscal year, efficiency through 4-bedroom, from the HUD API, for voucher or program rent context. Accepts an address or state FIPS plus 3-digit county FIPS. Unconfigured when the operator HUD token is missing; program rents only, never market rent or affordability advice. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-fair-market-rents instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_fair_market_rents', required: HUD Fair Market Rents by county (national, token-gated)
    - `arguments` object, required
      - `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.
      - `place` string: Optional US place or address; use a street address or unambiguous place with state when FIPS are not provided.
      - `stateFips` string: Optional state FIPS code, e.g. 37 for NC; omit to resolve from address/place/point.
      - `countyFips3` string: Optional 3-digit county FIPS within state, e.g. 183 for Wake; omit to resolve from address/place/point.
      - `year` integer: Optional HUD fiscal year, 2015-2030; omit for source default/latest.
  - object: Exact-building registration, short-term license, or enforcement rows. Coverage: Denver, Kansas City, Minneapolis, Montgomery County, New York City, and Seattle. Scope varies by city; returns status, dates, ids, citations, and source limits without owner or contact data. No-match is dataset-bound, not a compliance decision. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-rental-registration-check instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_rental_registration_check', required: Rental registration, short-term licensing, and building-enforcement records
    - `arguments` object, required
      - `address` string, required: Exact street address in Denver, Kansas City, Minneapolis, Montgomery County, New York City, and Seattle.
  - object: Code-enforcement rows for one exact subject: an NYC BBL or address, a published parcelId plus jurisdiction, or an unincorporated Wake County address verified against the parcel site address. Coverage: New York City, San Francisco, Austin, unincorporated Wake County. Each source has its own scope; complaints and cases are not confirmed violations. Requires LOCUS_PARCEL_CODE_CASES_ENABLED. No owner, tenant, unit, narrative, or compliance verdict.
    - `name` 'locus_parcel_code_cases', required: Exact-parcel code complaint, case, and violation records
    - `arguments` object, required
      - `address` string: Exact building street address. New York City resolves to a BBL; unincorporated Wake County, NC is matched by verified site address. Other places need parcelId plus jurisdiction.
      - `bbl` string: Exact 10-digit NYC Borough-Block-Lot parcel identifier.
      - `jurisdiction` 'us-ny-new-york' | 'us-ca-san-francisco' | 'us-tx-austin' | 'us-nc-wake' | 'us-nc-charlotte': Jurisdiction id that scopes parcelId, for example us-ca-san-francisco (block+lot, e.g. 6311024E) or us-tx-austin (Travis parcel id).
      - `parcelId` string: Exact published parcel id for the jurisdiction. Never guessed from an address.
      - `limit` integer
  - object: Returns NYC ACRIS Legals and Master deed and mortgage rows for one borough-block-lot or a resolved NYC address. Includes document id, type, date, source-published amount, query limits, and citations. Party names and units are never queried. Not a title, lien, payoff, ownership, priority, validity, or insurability conclusion. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-nyc-recording-history instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_nyc_recording_history', required: NYC deed and mortgage recording history
    - `arguments` object, required
      - `address` string: Exact New York City street address. Locus resolves it to a PAD BBL before querying ACRIS.
      - `bbl` string: Exact 10-digit New York City Borough-Block-Lot identifier.
      - `limit` integer
  - object: Perfect for: 'building permits at this address', 'construction near me', 'new construction within 500 m since last week', 'which contractors are working on my street'. Permits for an address, parcel, or point: newest or nearest first with distance, and in Chicago, New York City, Austin, and Seattle the contractor companies named plus cost, trade, and scope filters. For recurring checks send sinceDate=polling.nextSince and excludePermitIds. Exact subjects use the legal permitting authority (unincorporated Wake County via Tyler EnerGov); point-radius metros: cary, minneapolis, columbus, charlotte, chicago, austin, seattle, san francisco, los angeles, new york, mesa, miami, nashville, washington, san antonio, phoenix, denver, fort worth, buffalo, detroit, raleigh, cumming, durham. Records only; no construction, compliance, occupancy, value, or safety verdict. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-metro-permits instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_metro_permits', required: Building permits by parcel or point
    - `arguments` object, required
      - `place` string: Street address to resolve parcel-first before selecting the legal permitting authority.
      - `city` string: Supported metro key for point mode (registry-verified: cary, minneapolis, columbus, charlotte, chicago, austin, seattle, san francisco, los angeles, new york, mesa, miami, nashville, washington, san antonio, phoenix, denver, fort worth, buffalo, detroit, raleigh, cumming, durham). Prefer place or parcelIds when checking an exact subject.
      - `latitude` number: Decimal latitude for point-radius mode; provide with longitude.
      - `longitude` number: Decimal longitude for point-radius mode; provide with latitude.
      - `parcelId` string: One exact public parcel identifier. Provide state and county.
      - `parcelIds` string[]: Up to 25 exact public parcel identifiers for one project. Provide state and county.
      - `state` string: Two-letter state code required with parcelId or parcelIds.
      - `county` string: County name required with parcelId or parcelIds.
      - `radiusMeters` integer: Optional search radius in meters for point mode; max 3000.
      - `sinceDate` string: Optional ISO date YYYY-MM-DD for point-mode sources; default is 1 year back. For a recurring check, send the previous response's polling.nextSince.
      - `order` 'newest' | 'nearest': Point mode: newest first (default) or nearest first by distance from the point.
      - `maxRecords` integer: Point mode: permits returned, default 25, max 100.
      - `excludePermitIds` string[]: Permit ids already seen on an earlier check. They are dropped before selection; polling.nothingNew is true when nothing else matched.
      - `minReportedCostUsd` number: Only permits whose reported cost as filed is at least this amount (Chicago, New York City, Austin, Seattle).
      - `trade` 'general' | 'electrical' | 'plumbing' | 'mechanical_hvac' | 'roofing' | 'masonry' | 'elevator' | 'solar' | 'fire_protection' | 'demolition' | 'concrete_foundation' | 'signs' | 'other': Only permits whose scope or named contractors involve this trade (Chicago, New York City, Austin, Seattle).
      - `scope` string[]: Only permits with one of these scope tags, e.g. new_construction, demolition, roof (Chicago, New York City, Austin, Seattle).
  - object: Returns latest two CMS county Medicare Geographic Variation rows for a US address/point: beneficiary count, actual and standardized per-capita payment, and standardized year-over-year change. Original Medicare fee-for-service only. Not one bill, provider price, care/access/health, property signal, score, rank, or hot/cold label.
    - `name` 'locus_medicare_spending', required: County Medicare fee-for-service spending context
    - `arguments` object, required
      - `address` string: US street address. Provide this or latitude+longitude.
      - `latitude` number: Decimal latitude; provide with longitude.
      - `longitude` number: Decimal longitude; provide with latitude.
  - object: Searches the Copernicus Data Space Ecosystem catalogue for Sentinel-2 Level-2A scenes over a 1-100 square-kilometre box and date range. Returns product ids, acquisition times, platform, processing level, source tile cloud cover, and item locators. It does not render pixels, inspect a building, or show that a change occurred.
    - `name` 'locus_satellite_scene_availability', required: Official Sentinel-2 scene availability
    - `arguments` object, required
      - `bbox` unknown[], required: Requires bbox [west, south, east, north] in WGS84 longitude/latitude; no address input. Area 1-100 km², each side at least 500 m, aspect ratio at most 8:1. Surrounding-area context, not individual-building imagery.
        - unknown
      - `fromDate` string, date, required: First acquisition date to check, inclusive.
      - `toDate` string, date, required: Last acquisition date to check, inclusive.
      - `maxCloudCoverage` integer: Maximum source-published tile cloud cover percentage.
      - `limit` integer
  - object: Prepares bbox, beforeDate, and afterDate for the satellite imagery endpoint from the same official sources as locus_parcel_lookup. Returns retryInput and dimensions. Needs a dated parcel or rooftop centroid; no interpolated or city-point fallback. Default 1000 m each way is about 4 km2, not the parcel boundary. No rendering.
    - `name` 'locus_satellite_area_prepare', required: Prepare a satellite area from an address
    - `arguments` object, required
      - `address` string, required
      - `beforeDate` string, date, required
      - `afterDate` string, date, required: Must be later than beforeDate.
      - `halfExtentMeters` number: Expand this many metres north, south, east and west from the resolved centroid. Default 1000 gives about 4 km², not 1 km².
  - object: Suppressed police-reported crash counts at 200-1,000m. Coverage: Chicago all-reported; Virginia reportable-threshold; North Carolina partial subsets (K+A and nonmotorist); Pikes Peak region reportable-threshold; nationwide FARS fatal-only companion. Per-source severity and lag; no raw rows or exact points. Use this when you can call Locus free tools (REST tools/call or MCP). Use locus-traffic-crash-context instead when your client can only call paid x402 routes; it returns the same records.
    - `name` 'locus_traffic_crash_context', required: Aggregate traffic-crash context by radius, severity, and mode
    - `arguments` object, required
      - `address` string: US street address. Localized coverage is derived from the crash-source registry: Chicago all-reported; Virginia reportable-threshold; North Carolina partial subsets (K+A and nonmotorist); Pikes Peak region reportable-threshold; nationwide FARS fatal-only companion. Provide this or latitude+longitude.
      - `latitude` number: Decimal latitude; provide with longitude. The response never returns the exact query point.
      - `longitude` number: Decimal longitude; provide with latitude. The response never returns the exact query point.
      - `radiiMeters` integer[]: One to three bounded radii in meters; each must be 200-1,000. Defaults to 200, 500, and 1,000.
      - `lookbackYears` integer: Recent calendar lookback in years; defaults to 3 and is capped at 10. A source's actual available years still control.
  - object: USGS v3 landslide inventory and raw n10 90-meter susceptibility where published. Coverage: United States and Puerto Rico where the USGS v3 inventory and n10 model publish data. History and model stay separate; no probability, parcel stability finding, or engineering assessment. Missing components stay explicit.
    - `name` 'locus_landslide_context', required: USGS landslide inventory and source-native susceptibility context
    - `arguments` object, required
      - `address` string: US street address; geocoded to a point.
      - `latitude` number
      - `longitude` number
      - `searchRadiusMeters` integer

## Response `200`

Free tool result. Shape depends on the selected tool.

- object
  - `ok` boolean, required
  - `tool` 'locus_coverage_check' | 'locus_suggest_workflow' | 'locus_source_card_check' | 'locus_verify_citation' | 'locus_policy_sources' | 'locus_local_legislation' | 'locus_government_meetings' | 'locus_owner_programs' | 'locus_mitigation_incentives' | 'locus_utility_credits' | 'locus_water_utility_leak_adjustment_rules' | 'locus_permit_rules' | 'locus_tax_sale_calendar' | 'locus_electric_utility_resolver' | 'locus_fraud_alert_pointer' | 'locus_program_windows' | 'locus_special_valuation_screen' | 'locus_lane_availability' | 'locus_coverage_map' | 'locus_parcel_lookup' | 'locus_surrounding_parcels' | 'locus_parcel_set' | 'locus_area_incidents' | 'locus_request_coverage' | 'locus_agent_feedback' | 'locus_property_tax_rates' | 'locus_property_tax_estimate' | 'locus_flood_zone' | 'locus_flood_determination_inputs' | 'locus_flood_premium_context' | 'locus_homeowners_insurance_context' | 'locus_property_tax_context' | 'locus_market_context' | 'locus_address_sales_tax' | 'locus_cbp_zip' | 'locus_acs_living_arrangements_series' | 'locus_cbp_county_industry_series' | 'locus_office_source_guide' | 'locus_fiscal_source_guide' | 'locus_rebuild_cost_context' | 'locus_tax_payment_status' | 'locus_environmental_records_screen' | 'locus_flood_gauges' | 'locus_opportunity_zone' | 'locus_seismic_design' | 'locus_unemployment' | 'locus_housing_supply_balance' | 'locus_house_price_index' | 'locus_fhfa_area_hpi' | 'locus_broadband_check' | 'locus_wetland_context' | 'locus_terrain_profile' | 'locus_3dep_availability' | 'locus_noise_proximity' | 'locus_transportation_context' | 'locus_governing_districts' | 'locus_taxing_districts' | 'locus_special_district_levy' | 'locus_utility_service_check' | 'locus_representatives' | 'locus_water_systems' | 'locus_pfas_multimedia_nearby' | 'locus_drinking_water_violations' | 'locus_toxic_releases' | 'locus_regulated_facility_compliance' | 'locus_sewer_overflow_nearby' | 'locus_radon_zone' | 'locus_environmental_history' | 'locus_cleanup_sites' | 'locus_underground_storage_tanks' | 'locus_drought_status' | 'locus_groundwater_context' | 'locus_sole_source_aquifer' | 'locus_nearby_places' | 'locus_public_utilities' | 'locus_nfip_claims' | 'locus_wildfire_history' | 'locus_air_quality_current' | 'locus_soil_context' | 'locus_fema_events' | 'locus_open_disaster_assistance' | 'locus_loan_limits' | 'locus_owner_mortgage_calendar' | 'locus_development_cases' | 'locus_compare_properties' | 'locus_development_site_discovery' | 'locus_predevelopment_feasibility' | 'locus_data_center_watch' | 'locus_ordinance_leads' | 'locus_tax_calendar' | 'locus_appeal_window' | 'locus_appeal_filing_guide' | 'locus_appeal_outcomes' | 'locus_capital_projects' | 'locus_parcel_transfers' | 'locus_storm_events' | 'locus_ownership_loop' | 'locus_place_facts' | 'locus_coastal_county_catalog' | 'locus_coastal_county_overlays' | 'locus_coverage_demand' | 'locus_zoning' | 'locus_wildfire_risk' | 'locus_transit_context' | 'locus_tax_distress' | 'locus_service_requests' | 'locus_rcra_handlers' | 'locus_housing_stock' | 'locus_eviction_filings' | 'locus_hmda_tract_context' | 'locus_fair_market_rents' | 'locus_rental_registration_check' | 'locus_parcel_code_cases' | 'locus_nyc_recording_history' | 'locus_metro_permits' | 'locus_medicare_spending' | 'locus_satellite_scene_availability' | 'locus_satellite_area_prepare' | 'locus_traffic_crash_context' | 'locus_landslide_context', required
  - `result` unknown, required

## Other responses

- `400`: Invalid JSON, missing tool name, or invalid tool arguments.
- `404`: Unknown free tool.
- `429`: Rate limited.

---

[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)