Workers · Property Risk Full

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://property-risk-passport-api.lifebite-app.workers.dev/v1/property-risk-full", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
    "address": "611 Walker St, Houston, TX 77002",
    "response_mode": "compact"
  }),
});
const data = await res.json();

curl -X POST \
  "https://property-risk-passport-api.lifebite-app.workers.dev/v1/property-risk-full" \
  -H "Content-Type: application/json" \
  -d '{"address":"611 Walker St, Houston, TX 77002","response_mode":"compact"}' \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "address_input": "611 Walker St, Houston, TX 77002",
  "address_normalized": "611 WALKER ST, HOUSTON, TX 77002",
  "confidence_score": 100,
  "data_quality_score": 82,
  "flood_proximity": {
    "checked": true,
    "confidence": "medium",
    "distance_precision": "threshold",
    "nearest_floodway_distance_meters": null,
    "nearest_floodway_distance_status": "found_within_search_radius",
    "nearest_high_risk_zone": "AE",
    "nearest_sfha_distance_meters": null,
    "nearest_sfha_distance_status": "found_within_search_radius",
    "search_radius_meters": 1000,
    "source": "FEMA NFHL"
  },
  "flood_zone": {
    "checked": true,
    "confidence": "high",
    "flood_risk_class": "minimal_non_sfha",
    "plain_language": "FEMA maps this point in Zone X, outside the Special Flood Hazard Area and in an area of minimal flood hazard.",
    "sfha": false,
    "zone": "X",
    "zoneSubtype": "AREA OF MINIMAL FLOOD HAZARD"
  },
  "land_use": {
    "checked": true,
    "code": "8001",
    "confidence": "low",
    "label": null,
    "note": "Land-use code not decoded yet.",
    "source": "HCAD"
  },
  "match_status": {
    "blocking_warnings": [],
    "level": "property_match",
    "reason": "Address and parcel were confirmed by Harris County parcel/CAD situs match.",
    "usable_for_decision": true
  },
  "parcel": {
    "accountId": "0010890000001",
    "acreage": 1.4348,
    "acreage_status": "reported",
    "confidence": "high",
    "found": true,
    "parcelId": "0010890000001",
    "provider": "harris",
    "situs": "611 WALKER ST HOUSTON 77002"
  },
  "permit_history": {
    "checked": true,
    "confidence": "medium",
    "items": [],
    "jurisdiction": "City of Houston",
    "search_status": "completed_no_records_found",
    "source": "Houston Permitting Center",
    "summary": "No permit records found by this API. Verify directly with Houston Permitting Center."
  },
  "result_status": "completed",
  "risk_breakdown": {
    "calculated": true,
    "factors": [
      {
        "category": "parcel",
        "code": "BASE_TRIAGE",
        "label": "Base due-diligence review.",
        "points": 0,
        "source": "Property Risk Passport"
      },
      {
        "category": "flood",
        "code": "NEAR_FEMA_SFHA",
        "label": "A FEMA Special Flood Hazard Area is within 500 meters.",
        "points": 5,
        "source": "FEMA NFHL"
      },
      {
        "category": "insurance",
        "code": "HARRIS_COASTAL_DRAINAGE_INSURANCE_CONTEXT",
        "label": "Harris County has coastal Gulf drainage and insurance due-diligence context.",
        "points": 8,
        "source": "Confirmed parcel context"
      },
      {
        "category": "data_gap",
        "code": "LAND_USE_NOT_DECODED",
        "label": "Appraisal land-use code was not decoded.",
        "points": 2,
        "source": "HCAD"
      }
    ],
    "risk_level": "low",
    "total": 15
  },
  "risk_score": 15,
  "schema_version": "property-risk-passport.v1",
  "tax_jurisdictions": {
    "items": [
      {
        "name": "Harris County",
        "source": "Confirmed Harris County parcel context",
        "type": "county"
      },
      {
        "name": "Houston city",
        "source": "Confirmed parcel location",
        "type": "city"
      },
      {
        "name": "Houston ISD",
        "source": "Harris County / HCAD / Tax Office",
        "type": "school"
      }
    ],
    "property_level_confirmed": true,
    "scope": "property_level"
  },
  "taxing_entities": {
    "accountId": "0010890000001",
    "checked": true,
    "confidence": "high",
    "estimated_total_tax_rate": 2.29472,
    "items": [
      {
        "amount": null,
        "name": "HOUSTON ISD",
        "tax_rate": 0.8783,
        "type": "school"
      },
      {
        "amount": null,
        "name": "HOUSTON, CITY OF",
        "tax_rate": 0.51919,
        "type": "city"
      },
      {
        "amount": null,
        "name": "HARRIS COUNTY",
        "tax_rate": 0.38096,
        "type": "county"
      }
    ],
    "source": "Harris County / HCAD / Tax Office",
    "tax_year": 2025,
    "total_tax_amount": null
  },
  "zoning": {
    "checked": true,
    "confidence": "medium",
    "district": null,
    "jurisdiction": "City of Houston",
    "source": "City of Houston",
    "type": "no_conventional_zoning"
  }
}