us-property-parcel-real-estate-debt

# DFX Real Estate Intelligence: MCP server

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DFX answers dated questions about two things: **United States commercial and
federal-programme real estate debt**, where loan maturities are published across
52 state codes, compliance expiries across 56 and subsidy expiries across
54, and **property records**, where 291,914 Massachusetts and New York parcels carry
ownership and assessed value and 95,494 recorded sale instruments cover Massachusetts and New York.
Call it when an agent needs to know who owns a specific building, what it last sold
for, or which loans and subsidies come due in a given state and time window, with the
source and the observation date attached to every claim.

**Coverage is deliberately uneven and it is stated up front rather than discovered by
trial.**

United States, unevenly. NATIONAL: federal programme debt and maturities, LIHTC, HUD
subsidy, distress and commercial tenancy. MASSACHUSETTS ONLY: parcels and ownership.
RECORDED SALES: Massachusetts statewide, plus New York City deeds at or above $10m.
BOSTON ONLY: permits and certificates of occupancy. coverage_by_event_type below is the
measured grid, per event family, per state.

The measured per-type, per-state numbers are in
[Event coverage, measured](#event-coverage-measured) below, and `dfx_coverage` returns
the same grid at call time so an agent never has to guess from an empty result.

**Endpoint:** `https://exchange-production-9123.up.railway.app/mcp`
**Transport:** Streamable HTTP
**Auth:** none, for everything except one paid tool
**Registry:** `io.github.Capital-W-Holdings/us-property-parcel-real-estate-debt`

12 tools. 11 are free, unauthenticated and permanent: no key, no signup, no
OAuth. One is priced at **$1.00 per delivered result set** and tells you so before
it charges you anything.

A tool that answers "no" clearly is worth more to an agent than one that answers an
empty list, so this server refuses unknown arguments with the served vocabulary
attached, and refuses to sell you a result set that would arrive empty.

> Every number on this page is measured against production, not typed. Last measured
> **2026-09-09**. Call `dfx_coverage` for the same grid at the moment you read it.

---

## Read the schemas before you call anything

A plain `GET` on the endpoint returns the full tool list, the coverage numbers, the
price and a worked example. No handshake, no session, no `initialize`.

```bash
curl -s https://exchange-production-9123.up.railway.app/mcp
```

Then call a tool over JSON-RPC:

```bash
curl -s https://exchange-production-9123.up.railway.app/mcp \
  -H 'Content-Type: application/json' \
  -d '{"jsonrpc":"2.0","id":1,"method":"tools/call","params":
       {"name":"resolve_address","arguments":
        {"address":"100 Binney St","city":"Cambridge","state":"MA"}}}'
```

That address returns a parcel carrying a recorded sale, with the registry book and
page it was recorded under.

---

## The 12 tools

| Tool | Takes | Returns | Price |
|---|---|---|---|
| `resolve_address` | address, city?, state? | canonical DFX ids with the match basis and any ambiguity | free |
| `resolve_organization` | name | entity ids for owners, managers, lenders, servicers | free |
| `get_property_record` | a DFX id | state, dated events, relationships, debt with maturity dates, recorded sales, provenance | free |
| `search_property_events` | event_type?, state?, within_days? | dated events with provenance | free |
| `search_parcels` | filters | parcels by attribute rather than by an address you already knew | free |
| `what_can_dfx_answer` | an objective, in natural language | whether DFX can help, which tool to call, the arguments, and a free sample | free |
| `changes_since` | an opaque cursor | what DFX has **learned** since your cursor | free |
| `debt_maturity_schedule` | state, within_days?, limit? | the loan tape: principal, lender, instrument, maturity, secured property | **$1.00** |
| `open_dfx_account` | an email address | an account key for the one paid tool, issued in the response | free |
| `fund_dfx_account` | an account key and an amount | a funding link a person completes once, after which the agent spends inside the balance | free |
| `dfx_payment_status` | an account key | balance, ceilings and what has been spent | free |
| `dfx_coverage` | nothing | measured coverage, served sources, object types, known gaps | free |

**Start with `what_can_dfx_answer`** if you do not know what to ask for. It says no
clearly when the answer is no, and it records the ask, so questions DFX cannot answer
shape what gets built next.

---

## What is actually in here

Two populations that barely overlap, and conflating them is the most common way to
misread this server.

| Object | What it is | Resolvable |
|---|---|---|
| `parcel` | Massachusetts. The municipal assessor and registry layer, carrying assessed value, land use and recorded sales. | 291,914 |
| `property` | National. Federal programme multifamily: HUD, LIHTC and FHA. | 96,165 |
| `organization` | Owners, managers, lenders and servicers. | not counted separately |

An address may return one, the other, or both.

### Recorded sales

Massachusetts and New York: 95,494 instruments over 118,584 property links.

| Source | Geography | Grain | Buyer | Seller | Repeat sales |
|---|---|---|---|---|---|
| `massgis_l3` | Massachusetts, statewide | assessor roster: one sale date and price per parcel | yes | **no** | **no** |
| `nyc_acris` | New York City, five boroughs | recorded instrument, grouped into economic transactions | yes | yes | yes |

- **`massgis_l3`**: An assessor roster carries the LAST sale, so repeat-sale pairs and
  hold periods are not derivable from it at any volume. A deed repeats its full
  consideration on every parcel it covers, so allocated_consideration is carried
  separately from consideration and allocation_basis says when a split is ours.

- **`nyc_acris`**: deeds at or above $10,000,000 consideration. This is a deliberate cut
  by VALUE and not by date: a date cut would orphan the earlier leg of a repeat-sale pair.
  A smaller New York sale is outside the tranche, not absent from the city.

- **`nyc_acris`**: Fourteen same-day deeds between the same parties are ONE transaction
  with fourteen instrument ids preserved, and a 318-property deed is one transaction
  linked to 318 properties. Consideration is stated once per instrument and is never split
  across its properties. No natural person is named in an event headline, on either side.

### Event coverage, measured

74,232 publishable events across 14 types and 13 sources.

| Event type | States | Published |
|---|---|---|
| `PROPERTY_SOLD` | 2 | 43,680 |
| `COMPLIANCE_PERIOD_ENDING` | 56 | 11,956 |
| `SUBSIDY_CONTRACT_EXPIRING` | 54 | 4,721 |
| `PERMIT_ISSUED` | 1 | 4,203 |
| `LOAN_MATURITY_SCHEDULED` | 52 | 3,422 |
| `CERTIFICATE_OF_OCCUPANCY` | 1 | 2,768 |
| `LEASE_EXPIRING` | 49 | 1,428 |
| `DEMOLITION_FILED` | 1 | 881 |
| `USE_CONVERSION_PERMITTED` | 1 | 849 |
| `DISTRESS_FLAG_RAISED` | 26 | 167 |
| `FORECLOSURE_EVENT` | 22 | 128 |
| `PERMIT_STATUS_CHANGED` | 0 | 13 |
| `LOAN_MODIFIED` | 5 | 12 |
| `BANKRUPTCY_EVENT` | 4 | 4 |

`CERTIFICATE_OF_OCCUPANCY`, `DEMOLITION_FILED`, `PERMIT_ISSUED`,
`USE_CONVERSION_PERMITTED` are Massachusetts only. `COMPLIANCE_PERIOD_ENDING`,
`LEASE_EXPIRING`, `LOAN_MATURITY_SCHEDULED`, `SUBSIDY_CONTRACT_EXPIRING` are national.
Multi-state, with the number of states each reaches: `DISTRESS_FLAG_RAISED` (26),
`FORECLOSURE_EVENT` (22), `LOAN_MODIFIED` (5), `BANKRUPTCY_EVENT` (4), `PROPERTY_SOLD`
(2). `PERMIT_STATUS_CHANGED` carries rows that resolve to no state at all, so a state
filter cannot reach it.

---

## The one paid tool: `debt_maturity_schedule`, $1.00

Everything above is free and stays free. This one is priced, and the price is printed
in the tool description, in the tool `_meta`, and in the quote. You are never asked to
negotiate, there is no sales call, and there is no field through which a caller can
propose a price: the amount is read off the quote, server side.

**What you get.** For one US state and one forward window, up to 200 loans, one row
per loan, ordered by maturity date:

- `maturity_date` and `maturity_basis`
- `original_principal_usd`, `origination_date`, `term_months`
- `instrument_type`
- the lender's canonical name and DFX id where resolved
- the secured property: DFX id, street address, city, state, postal code, unit count, property type
- the `source_key` for that row

**Why it might be worth a dollar.** 19,881 loans carry a maturity date and **19,881 of
19,881 carry `maturity_basis = 'confirmed'`.** Not one is estimated, inferred from a
term length, or carried forward from a stale reading. Every date was filed with the SEC
by a loan servicer or recorded by HUD, and then resolved to a specific building.

The free `search_property_events` tool returns the **event**: a date, a headline, an
address. The paid one returns the **loan**: the principal, the lender, the instrument,
deduplicated to one row per loan, up to 200 rows instead of 50, with the population
stated so you can tell a complete answer from a truncated one. The two populations are
different sizes on purpose and both numbers are true: an event has to be promoted to a
single place, a loan only has to be filed, so the 19,881 loans on the tape are reached
here while 3,422 maturity events are reachable through the free search.

**How many rows your dollar actually buys.** Of the 19,881 loans, 1,782 mature inside
the default 548-day window, and they are not evenly spread. Measured 2026-09-09:

| State | Loans maturing in the next 548 days |
|---|---|
| CA | 333 |
| NY | 197 |
| TX | 121 |
| FL | 101 |
| OH | 67 |
| GA |