While objective street metrics derived from imagery or GIS have become standard in urban analytics, they remain insufficient to capture subjective perceptions essential to inclusive urban design. This study introduces a novel Multimodal Street Evaluation Framework (MSEF) that fuses a vision transformer (VisualGLM-6B) with a large language model (GPT-4), enabling interpretable dual-output assessment of streetscapes. Leveraging over 15,000 annotated street-view images from Harbin, China, we fine-tune the framework using Low-Rank Adaptation(LoRA) and P-Tuning v2 for parameter-efficient adaptation. The model achieves an F1 score of 0.863 on objective features and 89.3% agreement with aggregated resident perceptions, validated across stratified socioeconomic geographies. Beyond classification accuracy, MSEF captures context-dependent contradictions: for instance, informal commerce boosts perceived vibrancy while simultaneously reducing pedestrian comfort. It also identifies nonlinear and semantically contingent patterns—such as the divergent perceptual effects of architectural transparency across residential and commercial zones—revealing the limits of universal spatial heuristics. By generating natural-language rationales grounded in attention mechanisms, the framework bridges sensory data with socio-affective inference, enabling transparent diagnostics aligned with Sustainable Development Goal 11(SDG 11). This work offers both methodological innovation in urban perception modeling and practical utility for planning systems seeking to reconcile infrastructural precision with lived experience.