PropIntel Specification

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PropIntel

Tracking Defaults, Forecasting Trends.

PropIntel is an open-source, AI-driven property intelligence specification designed to track property ownership, notices of default, liens, foreclosures, tax activity, title transfers, and related public records across the United States.

The system is designed to connect fragmented public records into a unified property intelligence layer organized by town, county, state, and national index. Its purpose is to make property ownership and property lifecycle activity easier to discover, verify, analyze, and understand while maintaining clear separation between documented public evidence and AI-generated analysis.

Purpose

PropIntel is designed to answer questions such as:

Who owns a property?
Who previously owned it?
What liens or mortgages are recorded against it?
Has a notice of default been filed?
What happened after a default?
Did a property enter foreclosure?
Was an auction scheduled, postponed, cancelled, or completed?
Who purchased the property?
How did title change over time?
Are multiple properties connected to the same owner or ownership entity?
Where are defaults, foreclosures, tax delinquencies, and ownership concentrations increasing?
What property and market trends can be identified from historical public records?

PropIntel treats the property as the central intelligence object and connects documents, ownership, financial events, legal activity, geographic information, and historical transactions around that property.

Core Principles

Public-record transparency
Evidence-based property intelligence
Human review of consequential conclusions
Clear distinction between verified facts and AI-generated estimates
Traceable source provenance
Unified property identification
National geographic hierarchy
Modular and extensible design
Open-source access and collaboration
Privacy-aware handling of public information
No fabricated ownership or property relationships
Confidence scoring for uncertain or inferred relationships
Source-specific compliance for records and datasets

Core Modules

Property Status and Default Tracking

Tracks the lifecycle of property financial distress and default activity using available public records.

Features include:

Notices of Default
Pre-foreclosure monitoring
Foreclosure filings
Trustee notices
Auction scheduling
Auction postponements
Auction cancellations
Auction outcomes
Bank-owned property outcomes
Third-party property sales
Post-foreclosure title transfers
Property status timelines
Status change dates
Source verification for each status event

Full Chain of Title Reconstruction

Reconstructs the ownership history of a property from available recorded documents.

Features include:

Complete ownership history where records are available
Current ownership records
Prior owners
Warranty deeds
Quitclaim deeds
Sheriff’s deeds
Trustee’s deeds
Tax deeds
Other recorded deed types
Historical transfers
Transfer dates
Grantor and grantee relationships
Legal descriptions
Parcel identifiers
Title-chain timelines
Lien releases
Reconveyances
Mortgage satisfactions
Ownership transitions

Every reconstructed relationship should retain its underlying evidence and source provenance.

Mortgage and Lien Intelligence

Tracks mortgages, liens, assignments, and other recorded encumbrances associated with a property.

Features include:

Mortgage originators
Mortgage holders
Servicer changes
Lienholders
HELOC records
Mortgage assignments
MERS-related records where publicly available
Satisfaction dates
Release dates
Encumbrance types
Encumbrance priority
Open and released liens
Cross-referencing of available county and state records
Mortgage and lien timelines

Tax Delinquency and Tax Lien Intelligence

Tracks property tax activity and tax-related transfers.

Features include:

Annual property tax records
Tax delinquencies
Tax lien certificates
Tax deed transfers
Redemption status
Tax sale activity
Delinquency duration
Historical delinquency patterns
County-level tax trends
Property-level tax timelines

Auction Pipeline Intelligence

Tracks properties moving through foreclosure and tax-related auction processes.

Features include:

Pre-auction notices
Auction dates
Auction postponements
Auction cancellations
Lender buy-backs
Third-party investor purchases
Sale prices
Winning bidders where publicly recorded
Auction outcomes
Post-sale ownership
Property disposition
Auction history

Ownership Clustering and Entity Mapping

Uses AI-assisted analysis to identify potential relationships among property owners and ownership entities.

Features include:

LLC ownership clusters
Institutional ownership
Portfolio landlords
Large investor portfolios
Related entities
Shared mailing addresses
Shared registered agents where available
Shared ownership indicators
Shell-company relationship indicators
Foreign ownership indicators where legally available and supported by public records
Portfolio acquisition patterns
Ownership concentration analysis

AI-generated relationships must be clearly identified as inferred or probabilistic unless directly supported by recorded evidence.

Property Condition and Risk Intelligence

Produces analytical indicators based on available property, financial, ownership, geographic, and historical data.

Features include:

Default probability estimates
Vacancy probability estimates
Distress indicators
Lien accumulation risk
Owner churn indicators
Neighborhood stability indicators
Property risk scoring
Confidence scores
Historical trend comparisons
Explainable scoring factors

Risk scores are analytical estimates and must not be represented as verified facts.

Geospatial Parcel Intelligence

Provides geographic analysis of properties and property-related events.

Features include:

Parcel maps
Property boundaries where available
Foreclosure heat maps
Ownership concentration maps
Tax delinquency overlays
Sale history overlays
Transfer activity overlays
Default activity overlays
Zoning layers where available
Recorded-document geographic layers where available
Neighborhood-level analysis
County-level analysis
State-level analysis

Public Evidence Vault

Maintains searchable references to publicly available property records and evidence.

Supported evidence may include:

Deeds
Notices of Default
Liens
Affidavits
Trustee notices
Sheriff’s sale reports
Tax sale documents
Mortgage records
Assignment records
Court records
Other publicly available property records

Features include:

Document provenance
Source identification
Recording dates
Document classification
OCR
Searchable document content
Evidence linking
Document-to-property relationships
Document-to-owner relationships
Evidence history

PropIntel should respect applicable access, licensing, copyright, privacy, and republication requirements for every source.

AI-Powered Document Understanding

Converts unstructured public records into structured property intelligence.

Features include:

Document type classification
Parcel number extraction
Address extraction
Legal description extraction
Party extraction
Grantor identification
Grantee identification
Lienholder identification
Mortgage information extraction
Recording date extraction
Transaction date extraction
Lien type classification
Deed type classification
OCR for scanned documents
Structured extraction from PDFs and images
Confidence scoring
Human review workflows
Source-to-data traceability

County and State Analytics

Provides analytical dashboards across geographic levels.

Features include:

Foreclosure rates
Default rates
Median days in default
Institutional ownership share
Ownership concentration
Tax delinquency trends
Ownership turnover
Property transfer trends
Default prediction trends
Title-chain timelines
County comparisons
State comparisons
Historical trend analysis

Owner Alerts and Safeguards

Provides alerts based on newly recorded public activity.

Features include:

New liens
Notices of Default
Mortgage assignments
Recorded deeds
Tax delinquencies
Auction scheduling
Foreclosure events
Potential title theft indicators
Potential fraudulent lien indicators
Ownership changes
Property status changes

Alerts should identify the underlying public record and distinguish verified events from analytical warnings.

Government and Civic Intelligence

Provides tools for public agencies and civic organizations using legally available public records.

Features include:

Rental registration verification
Landlord identity confirmation
Absentee landlord detection
Code enforcement ownership checks
Property ownership research
Municipal analytics
Neighborhood property analysis
Public-record research tools
Agency dashboards
Open API access

Legal and Court Data Integration

Connects property records with relevant publicly available legal proceedings.

Features include:

Eviction filings
Bankruptcy filings relevant to property
Probate transfers
Partition actions
Quiet title actions
Foreclosure court proceedings
Property-related judgments
Court-record timelines
Legal-event-to-property relationships

Ownership Family Trees

Builds AI-assisted relationship graphs around owners, entities, and properties.

Relationship signals may include:

Same recorded owner
Related LLCs
Shared mailing addresses
Shared registered agents
Shared representatives
Shared acquisition patterns
Portfolio relationships
Historical ownership connections
Property acquisition sequences

Relationships must include confidence levels and evidence references where applicable.

Predictive Market Stress Index

Aggregates property and market indicators to identify potential areas of increasing financial stress.

Features include:

Local economic indicators
Interest-rate exposure indicators
Institutional ownership pressure
Foreclosure momentum
Default momentum
Tax delinquency momentum
Neighborhood financial vulnerability
Ownership concentration
Market Stress Score
Historical Market Stress Score
Geographic stress comparisons
Trend forecasting

Predictive outputs are analytical estimates and should include the factors contributing to the prediction.

Community Verification Layer

Provides an optional mechanism for community-supplied observations.

Features include:

Occupancy verification
Property condition reports
Property photographs
Suspected vacancy flags
Local context
Community observations
Verification status
Evidence review
Dispute and correction workflows

Community-supplied information must remain clearly separated from verified public records.

Complete API Layer

Provides programmatic access to PropIntel property intelligence.

Supported capabilities include:

Parcel search
Address search
Owner search
Entity search
Document search
Lien searches
Default searches
Foreclosure searches
Tax searches
Ownership history
Title-chain queries
Regional trend queries
Geographic queries
Analytics queries
Evidence references
Machine-readable property records

The API should preserve source provenance and confidence information when returning analytical or reconstructed data.

National Property Index

Provides a unified geographic and property indexing model.

The hierarchy is:

Town → County → State → National Index

Features include:

All 50 states
U.S. territories where data is available
Standardized parcel identifiers
Parcel identifier crosswalks
Address normalization
County-specific identifier mapping
Unified property identifiers
Geographic hierarchy
Historical identifier relationships
Cross-jurisdiction property matching

The system should accommodate differences in recording practices, parcel identifiers, terminology, document formats, and data availability between jurisdictions.

Data Provenance

Every material property intelligence record should retain provenance information where available.

Provenance should identify:

Source jurisdiction
Source agency or provider
Source document
Recording date
Retrieval date
Property identifier
Document identifier
Extracted fields
Transformation history
Confidence level
Human verification status

AI-generated relationships and predictions should never overwrite the underlying evidence.

Evidence and Verification

PropIntel should maintain a distinction between:

Directly recorded facts
Structured data extracted from public records
Relationships reconstructed from multiple records
AI-generated inferences
Predictive estimates
Community-supplied observations

Verified evidence should remain independently traceable.

Conflicting records should be preserved rather than silently overwritten. When records disagree, PropIntel should identify the conflict and provide the relevant sources.

Human Review

PropIntel is designed around human oversight for consequential property intelligence.

Human review should be available for:

Ownership relationships
Title-chain reconstruction
Entity relationships
Document extraction
Fraud indicators
Risk classifications
Predictive models
Conflicting public records
Community submissions

AI may identify patterns, propose relationships, classify documents, and generate forecasts, but consequential conclusions should remain reviewable by humans.

Privacy and Responsible Use

PropIntel works with public-record information while recognizing that public availability does not eliminate privacy, legal, or ethical considerations.

The system should:

Minimize unnecessary exposure of sensitive information
Follow applicable laws and data-use requirements
Preserve source restrictions
Avoid unsupported personal conclusions
Avoid treating AI inference as fact
Provide mechanisms for correcting inaccurate records
Maintain evidence provenance
Apply appropriate access controls where required
Respect jurisdiction-specific data restrictions

Optional Plugin Modules

PropIntel is designed to support optional plugins that extend functionality without requiring every deployment to enable every capability.

Data Source Plugins

Optional connectors for:

County recorder systems
County assessor systems
Tax collector systems
Court systems
GIS systems
Public auction systems
State property databases
Other permitted public-record sources

Document Processing Plugins

Optional extensions for:

Advanced OCR
Specialized document classifiers
Legal document extraction
Handwriting recognition
Document comparison
Enhanced entity extraction

AI and Analytics Plugins

Optional extensions for:

Alternative predictive models
Ownership graph analysis
Fraud detection
Market forecasting
Anomaly detection
Risk modeling
Natural-language property research

Geographic Plugins

Optional extensions for:

Additional GIS sources
Parcel boundary providers
Zoning databases
Planning datasets
Demographic overlays
Infrastructure layers
Environmental datasets

Notification Plugins

Optional extensions for:

Email notifications
Mobile notifications
Web notifications
Agency alerts
Scheduled reports
Property watchlists

Civic and Government Plugins

Optional extensions for:

Municipal systems
Rental registration systems
Code enforcement systems
Housing program databases
Public agency dashboards
Civic research tools

Research and Reporting Plugins

Optional extensions for:

Automated research reports
Property intelligence reports
County reports
State reports
Market trend reports
Ownership concentration reports
Historical property reports

Community Plugins

Optional extensions for:

Community reporting
Property condition submissions
Occupancy observations
Photo submissions
Verification workflows
Local research collaboration

Search and Discovery

PropIntel should provide multiple ways to discover property intelligence.

Users should be able to search by:

Address
Parcel identifier
Owner
Organization
LLC
County
Town
State
Document
Lien
Default
Foreclosure
Tax delinquency
Recording date
Transaction date
Geographic area

Search results should provide direct access to the underlying evidence and relevant property history.

Specification Branding License (SBL)

Standard

Fully AGPL-3.0+ compliant system
Copyleft enforced for network deployments
Required attribution:
Roxanne Ardary
https://www.roxanneardary.com/

Optional

Specification Branding License (SBL)
Attribution-free commercial deployment
Pricing based on scale, usage, and deployment scope
https://roxanneardary.com/propintel/

License & Notice Requirements

PropIntel is released under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

By contributing to this project, you agree that your contributions will also be released under this license.

Please note the following:

All contributions must comply with the AGPL-3.0+ terms.
Under Section 7 of the license, all redistributions, forks, and derivative works must preserve attribution to:
Roxanne Ardary and roxanneardary.com.
PropIntel specificiations are free to use with attribution. A Specification Branding License can be negotiated upon request.
The project’s notice.md file tracks attribution requirements and contributor acknowledgments.
Any update that adds new contributors or modifies attribution should also update notice.md.
When submitting a pull request, ensure that any new files maintain the attribution headers where applicable.
Network-deployed versions of this software must also remain fully AGPL-3.0+ compliant, including exposure of source code modifications when applicable under the license.

For full legal details, please refer to the AGPL-3.0+ license and the project’s notice.md file.

Notice – PropIntel

Attribution Requirement: Under Section 7 of the AGPL 3.0+ license, all redistributions, forks, and derivative works, including network-deployed versions to this project, must provide attribution to Roxanne Ardary and roxanneardary.com.

Contributors

This file tracks contributors and their specific contributions to the project.

Roxanne Ardary, roxanneardary.com – March 29, 2026
Created the PropIntel repository and defined the core architecture for a national AI-driven property intelligence system tracking ownership, defaults, liens, and title history.
[Add other contributors here] – [Date]
[Describe contribution in one sentence]

License – PropIntel

This repository is licensed under the GNU Affero General Public License v3.0 or later (AGPL-3.0+).

Key Points

You are free to use, modify, and distribute the code.
All redistributions, forks, and derivative works or network-deployed versions must also be licensed under AGPL-3.0+ and provide attribution to Roxanne Ardary and roxanneardary.com as required under Section 7 of the license.
The software is provided “as is,” without warranty of any kind.

For the full license text, see GNU AGPL-3.0 License.