@velinussage/locus-agent-skill 0.1.19 → 0.1.20

package/README.md

@@ -65,11 +65,11 @@ npx skills use velinussage/locus-agent-skill --skill locus-agent-tools
 
 ## What the skills teach agents
 
-- The full free catalog exposes 98 tools, including 53 national free lanes. Read the live catalog because rollout configuration can change the visible total.
+- The full free catalog exposes 104 tools, including 58 national free lanes. Read the live catalog because rollout configuration can change the visible total.
 - `locus_place_facts` is the best first call when supported.
 - `locus_lane_availability` shows national, local, varies, not-covered, and degraded lanes before payment.
 - Free tools stay read-only and cited.
-- `locus_rental_registration_check` reads building-level municipal registration/license records and linked housing-enforcement components for Minneapolis, Seattle, and New York City. It returns no legal-rental or compliance verdict.
+- `locus_rental_registration_check` declares its scope per jurisdiction. Long-term registration is wired in Minneapolis, Montgomery County, New York City, and Seattle; Denver is short-term-license only; Kansas City is building-enforcement only. It returns no legal-rental or compliance verdict.
 - The property-tax protest workflow keeps deadline, filing-guide, evidence, browser handoff, and published-outcome facts separate from the owner's own filing and value position.
 - Paid endpoints use live x402 discovery, may offer USDC on Base and Solana, and require explicit user authorization. Agents choose one complete `accepts[]` entry.
 - The surrounding-area workflow requires two separate approvals: $0.10 for the reusable JSON packet, then $0.15 for an eligible HTML/PDF report within 24 hours. Packet and report retrieval are proof-gated for 90 days.
@@ -90,7 +90,11 @@ The live paid index is authoritative: <https://api.locus.report/.well-known/ai-t
 | `POST /api/locus-before-you-sign` | `$0.07` | Pre-decision bundle over parcel, trend, and policy components. |
 | `POST /api/locus-environmental-context` | `$0.05` | Address-level EPA TRI/RCRA/SDWIS/radon context ranked by distance where possible. |
 | `POST /api/locus-property-tax` | `$0.05` | Residential property-tax artifact with assessed value, annual tax, history, effective rate, and provenance. |
-| `POST /api/locus-rental-registration-check` | `$0.01` | Paid dual of the free exact-building rental registration and housing-enforcement lookup for Minneapolis, Seattle, and New York City. |
+| `POST /api/locus-rental-registration-check` | `$0.01` | Paid dual of the free exact-building long-term-registration, short-term-license, or building-enforcement lookup, depending on jurisdiction. |
+| `POST /api/locus-nyc-recording-history` | `$0.01` | Paid dual of the free bounded NYC ACRIS document index. No party or unit data and no title conclusion. |
+| `POST /api/locus-renovation-site-context` | `$0.10` | Fixed renovation evidence workflow over parcel, permit, soil, terrain, flood, wetland, and radon context. |
+| `POST /api/locus-solar-property-screen` | `$0.49` | Rollout-gated private one-address roof-solar and historical financial-reference screen. |
+| `POST /api/locus-large-site-satellite-change` | `$0.39` | Rollout-gated, REST-only pair of dated Sentinel-2 composites for a 1-100 square-kilometre site. No automated change or condition claim. |
 | `POST /api/locus-surrounding-area-analysis` | `$0.10` | Stored, bounded JSON evidence packet. Charge-suppressed unless the subject, surrounding-parcel foundation, and another component complete. |
 | `POST /api/locus-surrounding-area-report` | `$0.15` | One HTML/PDF rendering of an eligible packet; no research rerun. |
 | Six paid-only atomic REST routes | `$0.01` each | Workplace jobs, Wikipedia, Commons metadata, PFAS, NEI, and electricity. No free, MCP, or A2A counterpart. |

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@velinussage/locus-agent-skill",
-  "version": "0.1.19",
+  "version": "0.1.20",
   "description": "Install the general Locus agent skill, the surrounding-area purchase workflow, and the property-tax protest workflow for free and x402-paid property context.",
   "type": "module",
   "bin": {

package/skill/locus-agent-tools/SKILL.md

@@ -1,7 +1,7 @@
 ---
 name: locus-agent-tools
 preamble-tier: 1
-version: 1.33.0
+version: 1.34.0
 description: Use every time the task is a US address or place and you need cited official public records or local-government context — due diligence, flood, zoning, permits, taxes, what changed, or before you sign.
 triggers:
   - property due diligence
@@ -9,7 +9,10 @@ triggers:
   - zoning
   - building permits
   - rental registration check
+  - nyc deed and mortgage history
+  - one address solar screen
   - renovation site context
+  - large site satellite change
   - property tax
   - before you sign
   - what changed at this address
@@ -35,12 +38,12 @@ Locus returns awareness and verification steps, not a verdict. Do not score, ran
 
 ## What to remember first
 
-- **53 national free tools are available with no payment or local coverage check.** The live free catalog exposes 98 tools total. Use national free lanes for rural addresses too, including flood, storm, wildfire, soil, groundwater-monitoring wells, cleanup, toxic-release, underground storage tank / leaking-tank, drought, water-system and non-UCMR PFAS records, water leak-policy candidates, electric service-territory candidates, sewer-overflow/CSO context, broadband, wetland, terrain, air-quality, governing-district, housing/economic, nearby-place, public-utility, county Medicare-spending, aggregate traffic-crash context, open disaster-assistance dates, conforming loan limits, and mortgage-calendar facts. Mirror-backed lanes return explicit missing, partial, stale, or unavailable states instead of treating missing data as favorable.
+- **58 national free tools are available with no payment or local coverage check.** The live free catalog exposes 104 tools total. Use national free lanes for rural addresses too, including flood, storm, wildfire, soil, groundwater-monitoring wells, cleanup, toxic-release, underground storage tank / leaking-tank, drought, water-system and non-UCMR PFAS records, water leak-policy candidates, electric service-territory candidates, sewer-overflow/CSO context, broadband, wetland, terrain, air-quality, governing-district, housing/economic, nearby-place, public-utility, county Medicare-spending, aggregate traffic-crash context, open disaster-assistance dates, conforming loan limits, and mortgage-calendar facts. Mirror-backed lanes return explicit missing, partial, stale, or unavailable states instead of treating missing data as favorable.
 - **National free tools cover all 50 states for geocodable US addresses.** Local lanes are wired jurisdiction by jurisdiction and are growing. Always expect national context. Treat local parcel, zoning, permit, tax, and development-case depth as coverage-dependent.
 - **Start with `locus_place_facts` when lane availability says it is available.** It is the one-call address bundle for supported parcel areas: parcel facts, FEMA flood zone, governing districts, transportation context, and tax context where wired.
 - **Use `locus_lane_availability` before paid calls.** Summary mode gives a short native-product shortlist. Use `detailLevel: "full"` or the paid index for exact paid-only atomic buy signals.
 - **Treat partial trend coverage as a check-first signal.** `supported_partial` trend places appear in `lanes.varies` with low paid substance; buy `locus-local-trend-brief` only when `buyRecommendations[].substanceHere` is `medium` or better. Thin exact-radius results can return a `charged:false` data-sufficiency diagnostic instead of a paid brief.
-- **The full paid catalog has 94 endpoints: 29 native paid tools, 58 promoted dual-rail routes, and 7 paid-only atomic routes.** Rollout-gated tools appear in the live catalog only when configured. Six paid-only atomics cost $0.01: `locus-workplace-employment-context`, `locus-wikimedia-commons-area-context`, `locus-wikipedia-place-context`, `locus-pfas-occurrence`, `locus-nei-emissions-nearby`, and `locus-electricity-context`. The paid-only `locus-evaluation-packet` costs $0.35. They use x402 over REST and have no free underscore, MCP, or A2A counterpart. Read the live challenge for exact price, chain, asset, recipient, and schema before payment.
+- **The full paid catalog has 104 endpoints: 33 native paid tools, 64 promoted dual-rail routes, and 7 paid-only atomic routes.** Rollout-gated tools appear in the live catalog only when configured. Six paid-only atomics cost $0.01: `locus-workplace-employment-context`, `locus-wikimedia-commons-area-context`, `locus-wikipedia-place-context`, `locus-pfas-occurrence`, `locus-nei-emissions-nearby`, and `locus-electricity-context`. The paid-only `locus-evaluation-packet` costs $0.35. They use x402 over REST and have no free underscore, MCP, or A2A counterpart. Read the live challenge for exact price, chain, asset, recipient, and schema before payment.
 
 ## Quick connect
 
@@ -157,6 +160,11 @@ Trimmed response example for a rural Montana ZIP:
       "national": [
         { "tool": "locus_flood_zone", "what": "FEMA flood-zone designation at the point", "access": "free" },
         { "tool": "locus_flood_determination_inputs", "what": "SFHDF form inputs: NFIP community, FIRM panel and date, zone, LOMA/LOMR, CBRS status", "access": "free" },
+        { "tool": "locus_flood_premium_context", "what": "NFIP policy-cost distribution for policies in force in the ZIP (estimate, not a quote)", "access": "free" },
+        { "tool": "locus_homeowners_insurance_context", "what": "ACS median homeowners-insurance cost band and owner costs by ZIP, county, state (estimate)", "access": "free" },
+        { "tool": "locus_property_tax_context", "what": "ACS effective property-tax rate and median bill by ZIP, county, state (estimate)", "access": "free" },
+        { "tool": "locus_market_context", "what": "County listing price, inventory, days on market (FRED) plus ACS value and rent (estimate)", "access": "free" },
+        { "tool": "locus_rebuild_cost_context", "what": "County permit valuation per unit trended by construction PPI as a labeled rebuild-cost proxy", "access": "free" },
         { "tool": "locus_environmental_records_screen", "what": "ASTM E1527-21 government-records screen at standard search distances", "access": "free" },
         { "tool": "locus_tax_payment_status", "what": "Treasurer real-estate tax balances by parcel (Philadelphia)", "access": "free" },
         { "tool": "locus_radon_zone", "what": "EPA radon zone for the county", "access": "free" },
@@ -210,8 +218,9 @@ Route these first when the buyer already knows the property or shortlist:
 1. **Three known properties:** use `locus-three-property-buyer-comparison` at `$2.49`. It calculates cited cross-property differences such as living area, lot size, build year, bedrooms, and assessment movement, then returns executable next calls for all three properties without choosing a winner.
 2. **A reassessment notice or owner cost question:** use `locus-owner-cost-review` at `$0.25`. The price includes one conservatively priced Turnkey signature. It leads with the recorded tax or assessment change, connects cited programs and dates, and returns ready calls for follow-up. It does not infer the cause or determine eligibility.
 3. **Rental operations for one property:** use `locus-rental-operations-brief` at `$0.79`. It compares the third-party subject rent estimate with the ZIP rental-listing median, then returns ready calls for current local-record follow-up. It is not rent-setting advice or tenant screening.
-4. **Rental registration or license record:** use free `locus_rental_registration_check` for an exact building in Minneapolis, Seattle, or New York City. It returns the source-published status, dates, units, linked housing-enforcement components, query limits, and verify-next questions. Agent-commerce callers may use the identical `$0.01` REST `locus-rental-registration-check` dual. It never decides whether the dwelling may lawfully be rented or whether a person or property complies.
-5. **Rental-registration portfolio:** use `locus-record-batch` at `$0.05` with 2-25 exact addresses and `lanes: ["locus_rental_registration_check"]`. One async job returns results keyed by address. Addresses outside the three-city source registry remain explicit out-of-coverage items; do not treat them as unregistered.
+4. **Rental registration, short-term license, or building enforcement:** use free `locus_rental_registration_check` for an exact building. Read `recordScope` before interpreting the result. Long-term registration is wired in Minneapolis, Montgomery County, New York City, and Seattle. Denver is short-term-license only. Kansas City is building-enforcement only and cannot answer whether a rental registration exists. Agent-commerce callers may use the identical `$0.01` REST dual. Never turn a row or no-match into legal permission, compliance, habitability, or a person judgment.
+5. **NYC deed and mortgage index:** use free `locus_nyc_recording_history` with one NYC address or exact 10-digit BBL. It joins ACRIS Legals to ACRIS Master and returns bounded document ids, types, dates, source-published amounts, and citations without party or unit data. The `$0.01` REST dual is identical. It is not a title, lien, payoff, ownership, priority, validity, or insurability conclusion.
+6. **Rental-registration portfolio:** use `locus-record-batch` at `$0.05` with 2-25 exact addresses and `lanes: ["locus_rental_registration_check"]`. One async job returns results keyed by address. Addresses outside the current source registry remain explicit out-of-coverage items; do not treat them as unregistered.
 
 These products return `nextCalls[]` instead of a prose narrative. Each call includes the exact `tool`, ready `input`, one-sentence `why`, supporting `evidenceIds`, `cost`, `urgency`, endpoint, and `requiresPaymentApproval`. `cost` is `free` or the exact dollar price from Locus's central price registry when the workflow was generated. `costAtGeneration` remains an identical compatibility alias. `nextCallPlan.pricedAt` timestamps the price snapshot; the next tool's live challenge remains authoritative. A small model may select and order only server-built candidate IDs. Locus owns and validates every returned tool name, argument object, price snapshot, evidence link, and payment flag. Model failure uses the deterministic candidate order. A paid next call is never executed without separate approval.
 
@@ -227,6 +236,10 @@ These products return `nextCalls[]` instead of a prose narrative. Each call incl
 | Compiled place artifact | `locus-place-report` ($0.05) | Stitching free tools into a fake report |
 | Recent official change + media | `locus-property-update` ($0.10) | Flyer first |
 | Compare three known rooftops for solar | `locus-solar-property-comparison` ($1.09) | Calling roof, utility, and financial providers separately |
+| Screen one known rooftop for solar | `locus-solar-property-screen` ($0.49) | Treating modeled roof output or a historical financial reference as an installation recommendation |
+| Research a renovation site | `locus-renovation-site-context` ($0.10) | Calling the broader follow-up route with mutable intent fields |
+| Review NYC recording history | `locus_nyc_recording_history` (free) or `locus-nyc-recording-history` ($0.01) | Treating an ACRIS document index as a title or lien conclusion |
+| Compare dated imagery for a large site | `locus-large-site-satellite-change` ($0.39, rollout-gated) | Claiming building condition or detected change from 10 m pixels |
 | Compare three known properties for a buyer | `locus-three-property-buyer-comparison` ($2.49) | Raw property, listing, market, and public-record calls without identity, deterministic differences, or ready next calls |
 | Review owner costs and deadlines | `locus-owner-cost-review` ($0.25) | Inferring why taxes changed or treating a program as eligibility |
 | Review rental property operations | `locus-rental-operations-brief` ($0.79) | Raw rent estimates without HUD, permit, tax, market, work items, or ready next calls |
@@ -247,16 +260,21 @@ Use these only after `locus_lane_availability` or the paid index says the call h
 | `POST /api/locus-nei-emissions-nearby` | `$0.01` | Environmental diligence needs distance-ranked EPA NEI facilities and per-pollutant annual quantities. Use `detailLevel: "full"` only for the complete large matrix. | No facility rows, unloaded year, or unavailable mirror returns `charged:false`. |
 | `POST /api/locus-evaluation-packet` | `$0.35` | A lender needs the evaluation-support packet in Interagency Appraisal and Evaluation Guidelines order (parcel, zoning, permits, transfers, HPI, SFHDF flood inputs, ASTM E1527-21 screen, tax distress, treasurer status) with every source stamped. States no value. | Unresolved point or no property-description and hazard fact returns the packet with `charged: false`. |
 | `POST /api/locus-electricity-context` | `$0.01` | Data-center, industrial, energy-development, or power-sensitive site screens need HIFLD line proximity plus EIA state price context before utility diligence. | An unresolved point or failure of both source components returns `charged:false`. |
+| `POST /api/locus-insurance-context` | `$0.05` | An insurance question on one address: the parcel FEMA zone with the federal purchase-requirement rule, NFIP policy-cost distribution for the ZIP, ACS homeowners-insurance cost bands, and a county rebuild proxy, in one call. Estimates with vintages, never a quote. | `charged: false` when the point does not resolve or no section returns data. |
 | `POST /api/locus-record-batch` | `$0.05` | A portfolio or any-jurisdiction screen needs up to 6 free record lanes across 2-25 addresses as ONE async job keyed by address; poll `statusUrl`. | Unresolved addresses are listed and never charged; `charged: false` when no address resolves or no valid lane is named. |
 | `POST /api/locus-surrounding-area-analysis` | `$0.10` | Buyer needs one stored multi-lane surrounding packet: topology-aware parcels, zoning, development, permits, legislation, capital/transport, environmental baseline, optional aerial. | Unstable subject, missing surrounding-parcel foundation, or under two completed components returns `charged:false`. |
 | `POST /api/locus-surrounding-area-report` | `$0.15` | HTML+PDF upgrade of an active surrounding-area packet within the 24h upgrade window. | Invalid/expired proof, second report, or render failure does not charge. |
 | `POST /api/locus-place-report` | `$0.05` | Agent needs one compiled cited property-context artifact for an address or ZIP. The artifact confirms the matched subject, lists every source, and carries an honest coverage ledger. After confirmed x402 settlement or seller-escrow, the paid parcel-financials lane may include the assessor owner-of-record name for the same exact parcel (cited, not a contact). Canonical storage stays owner-free; settled replay refreshes the official field. | Unsupported or discovery-only places return no-charge diagnostics. |
 | `POST /api/locus-property-update` | `$0.10` | Agent needs an async exact-address decision check of recent or scheduled official-record changes, nearby activity, and physical comparability, with a shareable report, PDF, and temporary video. | Ambiguous, thin, or unsupported inputs return `charged:false`; on `clarification_required`, confirm and resend `retryInput`. Poll the job and, once `flyerReady:true`, use `flyerHandoff` immediately without waiting for video. |
 | `POST /api/locus-solar-property-comparison` | `$1.09` | Agent has exactly three known addresses and wants parcel-bound, dated Google Solar roof metrics beside utility candidates, cited solar-program rows, and one shared GridPulse reference. Input: `{ "addresses": ["...", "...", "..."], "financialZip": "27312", "systemKw": 8 }`. Results stay in input order for side-by-side review; Locus does not select a winner or recommend a property. | Fewer than two attributable Google Solar results return `charged:false`. The price includes up to four Turnkey signatures at the conservative Pay as You Go rate. GridPulse figures remain historical context. Licensed provider data is private, `no-store`, and excluded from public pinning. x402 only. |
+| `POST /api/locus-solar-property-screen` | `$0.49` | Agent has one exact address and wants parcel-bound, dated Google Solar roof metrics beside utility candidates, cited programs, and a separately labeled GridPulse reference. Input: `{ "address": "...", "financialZip": "27312", "systemKw": 8 }`. | Missing or mismatched Google Solar evidence returns `charged:false` before GridPulse runs. The price includes two conservative Turnkey signature costs. No score, installation recommendation, current incentive claim, or utility-service conclusion. Private, `no-store`, x402 only. |
+| `POST /api/locus-renovation-site-context` | `$0.10` | Agent needs the fixed renovation evidence profile for one exact address and optional `projectType`. It combines parcel facts, exact-subject permits, USDA soil interpretations, sampled terrain, FEMA flood, mapped wetlands, and EPA county radon context. | The route fixes `intent`, transaction stage, and project archetype server-side. It does not determine feasibility, condition, design, permit requirements, cost, value, or construction readiness. Thin evidence is charge-free. |
+| `POST /api/locus-large-site-satellite-change` | `$0.39` | Agent needs two dated, cloud-filtered Sentinel-2 composites for the same 1-100 km2 caller-supplied bounding box, with each side at least 500 m. | Rollout-gated behind one exact Turnkey policy. Returns imagery and requested composite-window metadata only. It does not detect, classify, quantify, or explain change and cannot support individual-building condition claims. Private, `no-store`, REST x402 only. |
 | `POST /api/locus-three-property-buyer-comparison` | `$2.49` | Agent has exactly three known addresses and wants non-PII RentCast property/listing lookups, ZIP market context, bounded Locus public records, reusable work items, deterministic cross-property differences, and validated `nextCalls[]` for all three properties. | Invalid, unresolved, or duplicate resolved subjects fail before downstream spend. The price includes up to nine Turnkey signatures at the conservative Pay as You Go rate. Input order is preserved. No winner, valuation, prediction, or purchase recommendation. Private, `no-store`, x402 only. |
 | `POST /api/locus-owner-cost-review` | `$0.25` | Owner or representative has a reassessment or cost question and needs one property/tax trajectory beside cited programs, published windows, work items, and validated `nextCalls[]` with exact arguments and urgency. | An unresolved subject fails before downstream spend. The price includes one conservatively priced Turnkey signature. The response does not infer why tax changed, determine eligibility, or advise an appeal. Private, `no-store`, x402 only. |
 | `POST /api/locus-rental-operations-brief` | `$0.79` | Property operator needs a non-PII property lookup, third-party rent estimate, ZIP rental market, HUD/public-record context, work items, a deterministic rent-to-market difference, and validated `nextCalls[]`. | An unresolved subject fails before downstream spend. The price includes up to three Turnkey signatures at the conservative Pay as You Go rate. Comparable addresses and listing contacts are removed. No tenant screening, rent-setting advice, return calculation, or investment recommendation. Private, `no-store`, x402 only. |
-| `POST /api/locus-rental-registration-check` | `$0.01` | Agent needs source-published building registration/license status and available housing-enforcement components for Minneapolis, Seattle, or New York City. The same lookup is free as `locus_rental_registration_check`. | Unsupported, unresolved, or registration-source-unavailable calls return `charged:false`. A successful exact-source no-match is chargeable and remains source-bounded. No owner, contact, property-name, apartment, narrative, or nearby-address fields; no legal-rental or compliance verdict. |
+| `POST /api/locus-rental-registration-check` | `$0.01` | Agent needs an exact-building long-term registration, short-term license, or enforcement-only lookup in a wired jurisdiction. The same lookup is free as `locus_rental_registration_check`; read `recordScope` before interpreting it. | Unsupported, unresolved, or source-unavailable calls return `charged:false`. A successful exact-source no-match is chargeable and source-bounded. No owner, contact, property-name, apartment, narrative, or nearby-address fields; no legal-rental or compliance verdict. |
+| `POST /api/locus-nyc-recording-history` | `$0.01` | Agent needs a bounded ACRIS deed, mortgage, satisfaction, assignment, and related-document index for one exact NYC address or BBL. The same lookup is free as `locus_nyc_recording_history`. | A successful exact-source no-match is chargeable. Party names and unit identifiers are not queried. No title, lien, payoff, ownership, priority, validity, or insurability conclusion. |
 | `POST /api/locus-property-flyer` | `$0.99` | After obtaining a proof-gated PDF URL + expiry from a report workflow, the agent wants a general 4:5 property shareable whose top-right QR opens that PDF. Pass the property-update job's copy-ready `flyerHandoff` as the flyer-specific `reportHandoff`; do not synthesize a proof or reuse the video render contract. A licensed subject image is optional. Brand it with `brand.logo`, `brand.contact` (name, brokerage, license, phone, email, website), and `brand.headshot`. | Missing runtime, usable research, imagery, or premium model output returns `charged:false`. The price includes one conservative Turnkey signature when StableEnrich research runs. |
 | `POST /api/locus-place-report-batch` | `$0.25` | Agent has a 3-50 address portfolio and wants one async job plus one settlement. | If all items are unsupported or discovery-only, no charge. Unsupported items inside a paid job remain item-level diagnostics. |
 | `POST /api/locus-local-trend-brief` | `$0.05` | Agent needs permit, 311, or code-case local-change series where the registry has enough source coverage. | Unsupported, discovery-only, or insufficient-data places return `charged:false` diagnostics. |
@@ -280,7 +298,7 @@ Use these only after `locus_lane_availability` or the paid index says the call h
 | `POST /api/locus-power-water-evidence-pack` | `$0.05` | Agent needs pre-development proximity/context from HIFLD/EIA power, EPA public-water-system, and FCC broadband sources. | Missing substantive evidence suppresses charge. Never claims capacity, interconnection, service availability, timing, or cost. |
 | `POST /api/locus-landslide-diligence` | `$0.05` | Agent needs separate USGS documented inventory history and exact source-native n10 model-cell evidence. | Unless both components answer, returns `charged:false`. Never a probability, parcel stability finding, engineering assessment, or safety label. |
 | `POST /api/locus-permit-closeout-check` | `$0.05` | Agent needs exact-subject permit status plus source-published closeout or occupancy-document evidence. Registry coverage: Raleigh, unincorporated Wake County, Durham, Austin, Seattle, Chicago, Los Angeles, and New York City. It accepts an address or up to 25 jurisdiction-scoped `parcelIds`. The coverage label is generated from the source registry. | Uncovered, uncertain, unavailable, unpublished, and no-exact-match states are charge-suppressed. Not condition, compliance, suite/use permission, or closing approval. |
-| `POST /api/locus-transaction-follow-up` | `$0.10` | Agent needs one explicit homebuyer, land-investor, developer-predevelopment, commercial-tenant, or renovation-planning packet with cited handoffs. For renovation use `intent: "renovation_planning"`, `transactionStage: "pre_construction"`, `projectArchetype: "residential"`, and a short caller-supplied `projectType`. The profile checks recorded parcel facts, exact-subject permits, USDA basement and shallow-excavation soil interpretations, sampled terrain, FEMA flood, mapped wetlands, and EPA county radon context. | Profile-specific component/group thresholds control chargeability. Assessor totals never establish above-grade or finished-basement area. The result is not a feasibility, condition, drainage-design, permit-requirement, cost, or valuation conclusion. Thin evidence is charge-free. |
+| `POST /api/locus-transaction-follow-up` | `$0.10` | Agent needs one explicit homebuyer, land-investor, developer-predevelopment, commercial-tenant, or renovation-planning packet with cited handoffs. Prefer the dedicated `locus-renovation-site-context` route for renovation work because it fixes the profile server-side. | Profile-specific component/group thresholds control chargeability. Assessor totals never establish above-grade or finished-basement area. The result is not a feasibility, condition, drainage-design, permit-requirement, cost, or valuation conclusion. Thin evidence is charge-free. |
 
 ### Best first call for supported address context
 
@@ -301,6 +319,11 @@ These work for geocodable US addresses at no cost. Some accept address directly.
 |---|---|---|---|
 | FEMA flood zone at a point | `locus_flood_zone` | `{ "address": "600 E 4th St, Charlotte, NC" }` or `{ "latitude": 35.22, "longitude": -80.84 }` | Flood zone code, SFHA flag, panel or DFIRM identifiers when returned, plain-language zone context, provenance, verify-next steps. |
 | Flood determination form inputs for a loan file | `locus_flood_determination_inputs` | `{ "address": "100 Beach Rd, Surf City, NC" }` | SFHDF fields in section order: NFIP community name and number, FIRM panel and effective date, zone and SFHA, LOMA/LOMR polygons, USFWS CBRS unit and buffer status, per-source status. Not a determination; no 12 CFR 22.6 guarantee. |
+| Flood insurance cost context (estimate) | `locus_flood_premium_context` | `{ "address": "142 Hedgerow, Pittsboro, NC 27312" }` | Median and quartiles of annual NFIP policy cost and full-risk premium for policies in force in the ZIP, split SFHA vs minimal hazard, with policy count and vintage. Not a quote. |
+| Homeowners insurance cost context (estimate) | `locus_homeowners_insurance_context` | `{ "address": "142 Hedgerow, Pittsboro, NC 27312" }` | ACS 2023 median annual insurance-cost band by mortgage status and monthly owner costs at ZIP, county, state; state regulator sample-rate link where published. |
+| Property tax burden context (estimate) | `locus_property_tax_context` | `{ "address": "142 Hedgerow, Pittsboro, NC 27312" }` | ACS median real-estate tax, median home value, and implied effective rate at ZIP, county, state; Lincoln Institute study linked. |
+| Housing market context (estimate) | `locus_market_context` | `{ "address": "142 Hedgerow, Pittsboro, NC 27312" }` | County median listing price, active listings, days on market with year change (FRED), plus ACS value and rent medians. Not a valuation. |
+| Rebuild-cost proxy (estimate, labeled proxy) | `locus_rebuild_cost_context` | `{ "address": "142 Hedgerow, Pittsboro, NC 27312" }` | County permit valuation per unit, PPI trend, implied $/sq ft range under a stated size assumption, floored at FEMA $100. Never a coverage amount. |
 | Environmental records screen for a Phase I file | `locus_environmental_records_screen` | `{ "address": "1500 Market St, Philadelphia, PA" }` | NPL, cleanup, RCRA, UST/LUST, and TRI lists at ASTM E1527-21 search distances with records returned, records within distance, nearest distance, and per-list status. Government-records step only; never a Phase I. |
 | Treasurer tax payment status (Philadelphia) | `locus_tax_payment_status` | `{ "address": "2401 Pennsylvania Ave, Philadelphia, PA 19130", "unit": "5C42" }` | Outstanding principal, interest, penalty, lien numbers by tax year per OPA parcel; `no_outstanding_balance_recorded` when the dataset has no rows. Out of coverage elsewhere. |
 | Nearby flood gauges | `locus_flood_gauges` | `{ "address": "...", "radiusMeters": 20000 }` | Nearby USGS/NWS gauges, latest stage/flow observations when available, threshold metadata, source links. |
@@ -380,7 +403,8 @@ Temporarily degraded national tools may appear in `lanes.degraded` when an upstr
 | Special valuation screen | `locus_special_valuation_screen` | `{ "address": "..." }` | The parcel's public acreage and land-use code plus cited state special-valuation, historic-incentive, and solar-exemption rows. It does not determine program status for the parcel. |
 | Area reported-crime context | `locus_area_incidents` | `{ "address": "...", "radiusMeters": 1000, "lookbackDays": 365 }` | Area-level or citywide reported-incident context where wired, plus caveats. No safety verdict. |
 | Recent 311 service requests | `locus_service_requests` | `{ "address": "...", "radiusMeters": 1000, "lookbackDays": 365 }` | Recent San Diego Get It Done request type, status, dates, and public location from the synced city feed. A service request is a report, not a verified condition, code violation, responsible-party finding, or complete account of local activity. |
-| Rental registration and housing enforcement | `locus_rental_registration_check` | `{ "address": "1531 Belmont Ave, Seattle, WA 98122" }` | Exact-building registration/license rows and source-specific enforcement components for Minneapolis, Seattle, and New York City. Excludes owner/contact/unit/narrative fields. A no-match is limited to the named datasets, not a compliance finding. |
+| Rental registration, short-term licensing, or building enforcement | `locus_rental_registration_check` | `{ "address": "1531 Belmont Ave, Seattle, WA 98122" }` | Exact-building rows with `recordScope` set to long-term registration, short-term license, or enforcement-only. Excludes owner/contact/unit/narrative fields. A no-match is limited to the named dataset, not a compliance finding. |
+| NYC deed and mortgage index | `locus_nyc_recording_history` | `{ "address": "..." }` or `{ "bbl": "3079740028", "limit": 25 }` | Bounded ACRIS Legals and Master document index, dates, source-published amounts, citations, query horizon, and verify-next questions. No party or unit data and no title conclusion. |
 | Local legislation preview | `locus_local_legislation` | `{ "address": "...", "ownerActions": ["registration_required"], "domains": ["property_tax"] }` | Recent property-relevant legislation preview, status labels, source attribution. Oklahoma City and Las Vegas use PII-safe PrimeGov source pointers: Locus omits unstructured provider titles and the calling agent opens the cited item before describing it. Optional filters select the one headline before the cap. Not legal advice. |
 | Dated changes around one place | `locus_ownership_loop` | `{ "address": "...", "radiusMeters": 1500, "state": "NC", "countyFips3": "183", "zip": "27601" }` | Composite dated-change bundle across available ownership, tax, flood, transfer, and local lanes. |
 | Coastal overlays | `locus_coastal_county_overlays` | `{ "address": "..." }` or `{ "latitude": 34.22, "longitude": -77.88, "county": "auto" }` | Coastal hazard overlays, parcel/address facts, zoning/flood/wetland/resiliency context for supported coastal counties. |
@@ -477,7 +501,7 @@ Use the argument key from the tool schema. Do not send every place as `place`; m
 ## Paid report rules
 
 - Unsupported or discovery-only places return a free diagnostic, not a payment challenge.
-- Most focused tools list between $0.05 and $0.10 USDC. Turnkey-backed composites cost more because their prices include the conservative Pay as You Go signature rate: the flyer is $0.99, solar comparison is $1.09, rental operations is $0.79, and the three-property buyer comparison is $2.49. Free signature allowances are excluded from unit economics. Read the live challenge before payment.
+- Most focused tools list between $0.05 and $0.10 USDC. Turnkey-backed composites cost more because their prices include the conservative Pay as You Go signature rate. Rollout-gated products appear only when configured. Free signature allowances are excluded from unit economics. Read the live challenge before payment.
 - The price, network, asset, and recipient appear before payment.
 - Paid results return only after settlement succeeds.
 - Settled x402 replay returns the stored canonical artifact without another charge. Owner-of-record is an ephemeral paid enrichment: the first settled response and a later replay each fetch the current official field for the same exact verified parcel, with a fresh citation. Canonical replay, public/share/pin/model persist, Stripe, Watch, free, and unpaid remain owner-free. Optional caller context guides presentation only.