Red Flag or Normal?

Dirty HVAC filter / overdue service

DRAFT: severity and verdict are pending review by a licensed inspector.

HVAC Severity: Maintenance

What it means

Filter clogged; no recent service record.

Negotiate or walk away?

Normal upkeep.

Who to call

HVAC contractor

Typical repair cost

$150–$500 (annual servicing) (source). Get a local quote.

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General information, not a substitute for your own inspection.