Building-level occupancy after disasters is vital for triage, inspections, utility re-energization, and equitable resource allocation. Overhead imagery provides rapid coverage but often misses facade and access cues that determine habitability, while street-view imagery captures those details but is sparse and difficult to align with parcels. We present FacadeTrack, a street-level, language-guided framework that links panoramic video to parcels, rectifies views to facades, and elicits interpretable attributes (for example, entry blockage, temporary coverings, localized debris) that drive two decision strategies: a transparent one-stage rule and a two-stage design that separates perception from conservative reasoning. Evaluated across two post-Hurricane Helene surveys, the two-stage approach achieves a precision of 0.927, a recall of 0.781, and an F-1 score of 0.848, compared with the one-stage baseline at a precision of 0.943, a recall of 0.728, and an F-1 score of 0.822. Beyond accuracy, intermediate attributes and spatial diagnostics reveal where and why residual errors occur, enabling targeted quality control. The pipeline provides auditable, scalable occupancy assessments suitable for integration into geospatial and emergency-management workflows.