{
  "vin": "KNDEL3D35V7015255",
  "title": "2027 Kia Seltos S",
  "year": 2027,
  "make": "Kia",
  "model": "Seltos",
  "trim": "S",
  "decoded_trim": "S",
  "condition": "new",
  "price": 28404.0,
  "msrp": 28105.0,
  "sale_price": null,
  "currency": "USD",
  "mileage": 3,
  "exterior_color": "Ivory",
  "interior_color": "Gray",
  "drivetrain": "FWD",
  "body_style": "4D Sport Utility",
  "vehicle_type": "car",
  "fuel_type": "Gasoline",
  "doors": 5,
  "seating_capacity": null,
  "engine": "2.0L I4 MPI",
  "engine_displacement_l": 2.0,
  "engine_cylinders": 4,
  "transmission": "CVT",
  "mpg_city": 28,
  "mpg_hwy": 33,
  "range_miles": null,
  "battery_kwh": null,
  "stock_number": "27K101",
  "stock_status": null,
  "availability": "In Stock",
  "availability_schema": "https://schema.org/InStock",
  "in_transit": false,
  "availability_status": "unknown",
  "dealer_fees": 799.0,
  "photo_count": null,
  "primary_image": null,
  "images": [],
  "vin_decode": {
    "make": "Kia",
    "model": "Seltos",
    "year": 2027,
    "trim": "S",
    "body_style": "Sport Utility Vehicle [SUV]/Multipurpose Vehicle [MPV]",
    "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)",
    "engine": "2L 4-Cylinder",
    "engine_displacement_l": 2.0,
    "cylinders": 4,
    "drive_type": "4x2",
    "fuel_type": "Gasoline",
    "doors": 5
  },
  "offers": [],
  "price_history": [],
  "window_sticker": {
    "msrp": 28105.0,
    "monroney_url": "https://ai.charlieobaugh.com/sticker/KNDEL3D35V7015255.pdf",
    "source_vdp_url": "https://www.charlieobaugh.com/vehicle/new-2027-kia-seltos/KNDEL3D35V7015255",
    "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."
  },
  "dealer": {
    "name": "Charlie Obaugh Auto Group",
    "short_name": "Charlie Obaugh",
    "city": "Staunton",
    "state": "VA",
    "address": "410 Lee Jackson Highway",
    "zip": "24401",
    "phone": "(540) 324-4446",
    "website": "https://www.charlieobaugh.com"
  },
  "source_vdp_url": "https://www.charlieobaugh.com/vehicle/new-2027-kia-seltos/KNDEL3D35V7015255",
  "canonical_url": "https://ai.charlieobaugh.com/vehicle/KNDEL3D35V7015255.html",
  "json_url": "https://ai.charlieobaugh.com/v/KNDEL3D35V7015255.json",
  "markdown_url": "https://ai.charlieobaugh.com/v/KNDEL3D35V7015255.md",
  "vdp_url": "https://www.charlieobaugh.com/vehicle/new-2027-kia-seltos/KNDEL3D35V7015255",
  "generated_at": "2026-08-15T09:06:51Z",
  "price_source": "motorsdynamic:domain_41",
  "price_source_seen_at": "2026-08-15T00:55:53.801Z",
  "price_excl_doc_fee": 27605.0,
  "price_includes_doc_fee": true,
  "doc_fee": 799.0,
  "price_note": "Includes $799 dealer processing fee",
  "savings": null,
  "price_check": {
    "ok": true,
    "issues": [],
    "checks": 3,
    "rule": "add_doc_fee",
    "stale": false
  },
  "price_stale": false,
  "price_advertisable": true,
  "price_age_hours": 8.2,
  "price_disclosure": {
    "kind": "off_msrp",
    "template_id": "price.v1",
    "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.",
    "full": "This offer applies to Stock #27K101, VIN KNDEL3D35V7015255. Advertised price: $28,404. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. Virginia rates apply. The advertised price includes a $799 dealer processing fee. Tax, title and tags are not included in vehicle prices shown and must be paid by the purchaser. One vehicle at this price, subject to prior sale. See the dealership for complete details.",
    "lines": [
      {
        "label": "Advertised price",
        "value": "$28,404"
      }
    ],
    "advertised": "",
    "expires": null,
    "required_missing": [
      "what the savings figure is measured from"
    ],
    "required_missing_keys": [
      "savings_basis"
    ],
    "unsubstantiated": [],
    "substantiated": true,
    "reason": "required disclosure elements missing: what the savings figure is measured from",
    "advertisable": false,
    "estimate_only": true,
    "disclosure_version": "1.0.0"
  },
  "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. Virginia rates apply. The advertised price includes a $799 dealer processing fee. Tax, title and tags are not included in vehicle prices shown and must be paid by the purchaser. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.",
  "disclosure_version": "1.0.0",
  "features": [
    "All Season Floor Liners",
    "Radio: AM/FM Display Audio System",
    "Cloth Seat Trim",
    "Wheels: 18\" x 7.0J Alloy with Machined Finish",
    "4-Wheel Disc Brakes",
    "Apple CarPlay & Android Auto",
    "Emergency communication system: 911 Connect",
    "Auto High-beam Headlights",
    "Exterior Parking Camera Rear",
    "AM/FM radio: SiriusXM",
    "Variably intermittent wipers",
    "Turn signal indicator mirrors",
    "Trip computer",
    "Traction control",
    "Tilt steering wheel",
    "Telescoping steering wheel",
    "Steering wheel mounted audio controls",
    "Split folding rear seat",
    "Speed-sensing steering",
    "Speed control",
    "Security system",
    "Remote keyless entry",
    "Rear window wiper",
    "Rear window defroster",
    "Rear side impact airbag",
    "Power windows",
    "Power steering",
    "Power driver seat",
    "Power door mirrors",
    "Passenger vanity mirror",
    "Passenger door bin",
    "Panic alarm",
    "Overhead console",
    "Overhead airbag",
    "Outside temperature display",
    "Occupant sensing airbag",
    "Low tire pressure warning",
    "Illuminated entry",
    "Heated door mirrors",
    "Fully automatic headlights",
    "Front wheel independent suspension",
    "Front reading lights",
    "Front anti-roll bar",
    "Dual front side impact airbags",
    "Dual front impact airbags",
    "Driver vanity mirror",
    "Driver door bin",
    "Delay-off headlights",
    "Bumpers: body-color",
    "Brake assist",
    "Alloy wheels",
    "Adjustable head restraints: driver and passenger w/tilt",
    "ABS brakes",
    "Tachometer",
    "Spoiler",
    "Front Center Armrest",
    "Front Bucket Seats",
    "Electronic Stability Control",
    "Air Conditioning",
    "6 Speakers"
  ],
  "computed_offers": {
    "generated_at": "2026-08-15T09:06:52Z",
    "engine_version": "beacon-offer-engine/1.0",
    "template_set": "beacon-disclosure/1.0",
    "validator_version": "1.1.0",
    "basis": {
      "zip": "24401",
      "state": "VA",
      "doc_fee": 799.0,
      "doc_fee_source": "tenant.pricing",
      "doc_fee_in_advertised_price": true,
      "selling_price": 28404.0,
      "price_reconciled": true,
      "price_stale": false,
      "price_age_hours": 8.2,
      "price_max_age_hours": null,
      "price_confirm_note": null,
      "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."
    },
    "offers": [
      {
        "offer_id": "of_KNDEL3D35V7015255_finance_60",
        "type": "finance_60",
        "label": "Finance",
        "headline": {
          "value": 566,
          "unit": "per_month",
          "display": "$566/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "provenance_estimated"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend.",
        "inputs": {
          "selling_price": 28404.0,
          "price_incl_doc": 28404.0,
          "doc_fee": 799.0,
          "down_payment": 0.0,
          "term": 60,
          "apr": 5.49,
          "tax_rate": 0.043,
          "zip": "24401",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 565.74,
          "amount_financed": 29625.37,
          "sales_tax": 1221.37,
          "total_of_payments": 33944.54,
          "finance_charge": 4319.17,
          "per_1000_financed": 19.1,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #27K101, VIN KNDEL3D35V7015255. $566 per month for 60 months at 5.49% APR, $0 cash down. Advertised price $28,404, which includes the $799 dealer processing fee. Amount financed $29,625, including $1,221 estimated sales tax at 4.3%. That is $19.10 per $1,000 financed. Total of payments $33,945. Offer expires 2026-08-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "pass",
          "severity": "none",
          "safe_to_advertise": true,
          "failed_checks": [],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-08-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_KNDEL3D35V7015255_finance_72",
        "type": "finance_72",
        "label": "Finance",
        "headline": {
          "value": 491,
          "unit": "per_month",
          "display": "$491/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "provenance_estimated"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend.",
        "inputs": {
          "selling_price": 28404.0,
          "price_incl_doc": 28404.0,
          "doc_fee": 799.0,
          "down_payment": 0.0,
          "term": 72,
          "apr": 5.99,
          "tax_rate": 0.043,
          "zip": "24401",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 490.84,
          "amount_financed": 29625.37,
          "sales_tax": 1221.37,
          "total_of_payments": 35340.34,
          "finance_charge": 5714.97,
          "per_1000_financed": 16.57,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #27K101, VIN KNDEL3D35V7015255. $491 per month for 72 months at 5.99% APR, $0 cash down. Advertised price $28,404, which includes the $799 dealer processing fee. Amount financed $29,625, including $1,221 estimated sales tax at 4.3%. That is $16.57 per $1,000 financed. Total of payments $35,340. Offer expires 2026-08-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "pass",
          "severity": "none",
          "safe_to_advertise": true,
          "failed_checks": [],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-08-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_KNDEL3D35V7015255_finance_84",
        "type": "finance_84",
        "label": "Finance",
        "headline": {
          "value": 440,
          "unit": "per_month",
          "display": "$440/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "provenance_estimated"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend.",
        "inputs": {
          "selling_price": 28404.0,
          "price_incl_doc": 28404.0,
          "doc_fee": 799.0,
          "down_payment": 0.0,
          "term": 84,
          "apr": 6.49,
          "tax_rate": 0.043,
          "zip": "24401",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 439.78,
          "amount_financed": 29625.37,
          "sales_tax": 1221.37,
          "total_of_payments": 36941.24,
          "finance_charge": 7315.87,
          "per_1000_financed": 14.84,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #27K101, VIN KNDEL3D35V7015255. $440 per month for 84 months at 6.49% APR, $0 cash down. Advertised price $28,404, which includes the $799 dealer processing fee. Amount financed $29,625, including $1,221 estimated sales tax at 4.3%. That is $14.84 per $1,000 financed. Total of payments $36,941. Offer expires 2026-08-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "pass",
          "severity": "none",
          "safe_to_advertise": true,
          "failed_checks": [],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-08-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_KNDEL3D35V7015255_lease_zero_down",
        "type": "lease_zero_down",
        "label": "Zero-down lease",
        "headline": {
          "value": 410,
          "unit": "per_month",
          "display": "$410/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "provenance_estimated"
        ],
        "estimate": true,
        "caveat": "Estimated lease payment on approved credit. Not an offer to lease.",
        "inputs": {
          "msrp": 28105.0,
          "selling_price": 28404.0,
          "cap_cost_reduction": 0.0,
          "residual_pct": 62.0,
          "money_factor": 0.0015,
          "acquisition_fee": 650.0,
          "term": 36,
          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": 799.0,
          "zip": "24401",
          "program_code": null
        },
        "outputs": {
          "monthly_payment": 409.63,
          "net_cap_cost": 29054.0,
          "residual_value": 17425.1,
          "apr_equivalent": 3.6,
          "due_at_signing": {
            "firstPayment": 409.63,
            "downPayment": 0,
            "upfrontTax": 0,
            "title": 60,
            "registration": 100,
            "total": 569.63
          },
          "total_of_payments": 14760,
          "total_of_payments_unrounded": 14746.68
        },
        "disclosure": "Estimated lease payment for stock #27K101, VIN KNDEL3D35V7015255. $410 per month for 36 months, 10,000 miles per year, zero due as cap cost reduction. Amount due at signing $570, made up of $410 first payment, $60 title, $100 registration. MSRP $28,105. Lease selling price $28,404. Net capitalized cost $29,054. Residual value $17,425, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $650. The selling price includes the $799 dealer processing fee. Total of payments $14,760. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-08-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "pass",
          "severity": "none",
          "safe_to_advertise": true,
          "failed_checks": [],
          "checks_run": 22,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-08-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      },
      {
        "offer_id": "of_KNDEL3D35V7015255_lease",
        "type": "lease",
        "label": "Lease",
        "headline": {
          "value": 318,
          "unit": "per_month",
          "display": "$318/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
          "provenance_estimated"
        ],
        "estimate": true,
        "caveat": "Estimated lease payment on approved credit. Not an offer to lease.",
        "inputs": {
          "msrp": 28105.0,
          "selling_price": 28404.0,
          "cap_cost_reduction": 2999.0,
          "residual_pct": 62.0,
          "money_factor": 0.0015,
          "acquisition_fee": 650.0,
          "term": 36,
          "annual_miles": 10000.0,
          "tax_basis": "monthly",
          "doc_fee": 799.0,
          "zip": "24401",
          "program_code": null
        },
        "outputs": {
          "monthly_payment": 318.05,
          "net_cap_cost": 26055.0,
          "residual_value": 17425.1,
          "apr_equivalent": 3.6,
          "due_at_signing": {
            "firstPayment": 318.05,
            "downPayment": 2999,
            "upfrontTax": 0,
            "title": 60,
            "registration": 100,
            "total": 3477.05
          },
          "total_of_payments": 11448,
          "total_of_payments_unrounded": 11449.8
        },
        "disclosure": "Estimated lease payment for stock #27K101, VIN KNDEL3D35V7015255. $318 per month for 36 months, 10,000 miles per year, $2,999 cap cost reduction. Amount due at signing $3,477, made up of $318 first payment, $2,999 cap cost reduction, $60 title, $100 registration. MSRP $28,105. Lease selling price $28,404. Net capitalized cost $26,055. Residual value $17,425, 62% of MSRP. Money factor 0.0015, about 3.6% APR equivalent. Acquisition fee $650. The selling price includes the $799 dealer processing fee. Total of payments $11,448. Excess mileage and excess wear charges apply at lease end; see dealer for the per-mile rate. Offer expires 2026-08-31. Estimated for ZIP 24401. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "pass",
          "severity": "none",
          "safe_to_advertise": true,
          "failed_checks": [],
          "checks_run": 22,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-08-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      }
    ],
    "suppressed": null,
    "counts": {
      "offers": 5,
      "suppressed": 0,
      "advertisable": 0
    },
    "engine_calls": 31,
    "elapsed_ms": 393
  }
}