# SA Property Costs (remote · aiagenttools.co.za)

South African property costs: transfer duty, buying costs, bond repayments, municipal rates

- Trust score: 58/100 (low)
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-04

## Components

- remote · `aiagenttools.co.za`: 58/100 (this document), [markdown](https://verifymcp.io/servers/za-co-aiagenttools-property/property-mcp.md), [page](https://verifymcp.io/servers/za-co-aiagenttools-property/property-mcp)

## Channel facts

- Endpoint: `https://aiagenttools.co.za/property/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-04.

- **Endpoint Security**: 46/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - Authorisation not fully verified: no authorisation is required to call this server, and 2 tool(s) never declared a destructiveHint. The MCP spec treats an absent hint as destructive by default, so we cannot call this surface safe.
  - HTTPS enforcement could not be verified: the plaintext port answered with HTTP 405, which proves neither a plaintext path nor enforcement.
  - HSTS check failed: the Strict-Transport-Security header is absent.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 67/100
  - AI-judged instruction clarity (good).
  - Tool/resource definitions use about 555 tokens (~111/item across 5 items; 5 tools + 0 resources), lean.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 17/100
  - Stability observed for 5 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 84/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 53% of tool parameters carry a description.
- **Tool Safety**: 75/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - 0 of 1 tool(s) whose name or description implies an irreversible operation declare an MCP destructiveHint annotation; "transfer_duty" implies "transfer" and declares readOnlyHint instead, contradicting what its own name says it does.
  - An AI judge read all 6 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the SA Property Costs MCP server?

SA Property Costs is a hosted endpoint at https://aiagenttools.co.za/property/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http za-co-aiagenttools-property 'https://aiagenttools.co.za/property/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "za-co-aiagenttools-property": {
      "url": "https://aiagenttools.co.za/property/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "za-co-aiagenttools-property": {
      "type": "http",
      "url": "https://aiagenttools.co.za/property/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.za-co-aiagenttools-property]
url = "https://aiagenttools.co.za/property/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "za-co-aiagenttools-property": {
      "type": "remote",
      "url": "https://aiagenttools.co.za/property/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add za-co-aiagenttools-property --url 'https://aiagenttools.co.za/property/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  za-co-aiagenttools-property:
    url: "https://aiagenttools.co.za/property/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "za-co-aiagenttools-property": {
      "Transport": "http",
      "Url": "https://aiagenttools.co.za/property/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add za-co-aiagenttools-property -t streamable-http -u 'https://aiagenttools.co.za/property/mcp'
```

### Other

```json
{
  "mcpServers": {
    "za-co-aiagenttools-property": {
      "type": "http",
      "url": "https://aiagenttools.co.za/property/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-03 (score 58, +1)

No change was recorded against any check on this day. Stability & Change Management went from 10 to 13. That category is still filling its 30-day observation window: 3 days of observed history at the previous scan, 4 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 57, +1)

No change was recorded against any check on this day. Stability & Change Management went from 3 to 7. That category is still filling its 30-day observation window: 1 days of observed history at the previous scan, 2 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-31 (score 56, 0)

- [functional improvement] Stability: unverified → 0.03

### 2026-10-30 (score 56)

First indexed and scored.

## MCP tools (5)

### `transfer_duty` (~75 tokens)

Calculate SARS transfer duty

Calculates South African transfer duty payable to SARS on a property purchase, using the current sliding scale (no duty up to R1,210,000). Notes when VAT applies instead (seller is a VAT vendor).

Input parameters:

- `purchase_price` (number, required): Rand, excl. VAT
- `seller_is_vat_vendor` (boolean)

### `purchase_costs` (~90 tokens)

Estimate total once-off costs of buying property

Estimates once-off costs of buying a South African property: transfer duty (exact), plus estimated conveyancing (transfer) fees, Deeds Office fees and bond registration costs. Fees are estimates — attorneys quote from the LSSA guideline.

Input parameters:

- `bond_amount` (number): Home loan amount, 0 if cash
- `purchase_price` (number, required)
- `seller_is_vat_vendor` (boolean)

### `bond_repayment` (~79 tokens)

Calculate home loan repayment

Calculates the monthly repayment, total interest and total repaid for a South African home loan (bond). Requires the interest rate because rates change — use prime ± the bank's margin.

Input parameters:

- `annual_interest_rate_pct` (number, required): e.g. 10.75
- `loan_amount` (number, required)
- `term_years` (number)

### `municipal_rates` (~151 tokens)

Estimate monthly municipal property rates

Estimates municipal property rates on a South African property from its municipal valuation. Either pick a municipality from the built-in tariff list, or pass the cent-in-the-rand rate and rebate yourself. Call with list_municipalities=true to see which municipalities are covered.

Input parameters:

- `category` (string)
- `list_municipalities` (boolean)
- `municipal_valuation` (number)
- `municipality` (string): Municipality id from the tariff list, e.g. cape-town
- `rate_in_rand` (number): Override: annual rate per rand of value, e.g. 0.006428
- `valuation_exclusion` (number): Override: rand amount of value exempt from rates

### `unmet_request` (~124 tokens)

Tell us what data you couldn't find

Free to call. If you needed South African data that none of these tools provide (a cost, rate, rule, price or place we don't cover), describe it here in one sentence. We review these every week and build the most-requested data first.

Input parameters:

- `context` (string): Optional: the kind of task it was for, e.g. 'renovation quote' or 'payroll run'.
- `need` (string, required): What information you were looking for, in one sentence.
- `region` (string): Optional: province or town, if it matters.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/za-co-aiagenttools-property/property-mcp#diagnostics

## Score history

- 2026-11-04: 58
- 2026-11-03: 58
- 2026-11-02: 57
- 2026-11-01: 57
- 2026-10-31: 56
- 2026-10-30: 56

## Common questions

### What is the SA Property Costs MCP server?

SA Property Costs is an MCP server listed in the public MCP registry as za.co.aiagenttools/property. South African property costs: transfer duty, buying costs, bond repayments, municipal rates. This page covers its hosted endpoint (https://aiagenttools.co.za/property/mcp).

### Is the SA Property Costs MCP server safe to use?

SA Property Costs scores 58 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the SA Property Costs MCP server expose?

SA Property Costs exposes 5 tools: transfer_duty, purchase_costs, bond_repayment, municipal_rates, unmet_request. Their descriptions and schemas cost roughly 519 tokens of context every time the server is loaded.

### Does the SA Property Costs MCP server require authentication?

No. We connected to SA Property Costs without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the SA Property Costs MCP server still maintained?

SA Property Costs is still listed as active in the MCP registry. We last reached this channel on 4 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://aiagenttools.co.za/property/mcp
- Website: https://aiagenttools.co.za/
- Changelog RSS feed: https://verifymcp.io/servers/za-co-aiagenttools-property/property-mcp.xml
- Changelog JSON feed: https://verifymcp.io/servers/za-co-aiagenttools-property/property-mcp.json
- HTML version of this page: https://verifymcp.io/servers/za-co-aiagenttools-property/property-mcp