1424 19th St · Port Huron, MI 48060

$106,900

4 bd · 1.5 ba · 1,092 sqft · SingleFamily · 268 Days on market

Built 1918 6,098 sqft lot $98/sqft · 34% below area Est $163k · 34% under

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Why this score? — see what drove the B grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +29.4/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• Rent growth +3.4/5.0
• Livability +3.2/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't miss this awesome 4 bedroom, 1.5 bath, large1900's home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don't miss out! Call your real estate agent today! More photos to come.

Key facts

• 6,098 sq ft lot
• Built 1918
• Listed 268 days

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $107k.

Deal economics

• At list price, monthly cash flow is $379 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $107k).
• Recommended offer: $94k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.5% vs local median 4.6% in Port Huron — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 65/100 on livability (#445 in MI) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities C-, health & safety D, schools F.
• Port Huron Area School District (suburban): math 23% / reading 37% proficiency, ranked #368 of 540 in MI (top 68%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+3.6%/yr); 220 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 232 units permitted in St. Clair County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $739 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• St. Clair County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.6% rent growth), your $30k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 268 days — a 12% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 21y ago; this cycle's ask has dropped $23k (18%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $90k; 19% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1918 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $94,072 (12.0% below list)

Questions for the listing agent

1. It's been on market 268 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1918 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.28% ✓
• Cap rate: 10.55%
• Cash-on-cash: 15.20%
• DSCR: 1.68
• GRM: 6.5

CMA / ARV

• ARV (median comp): $163,133
• List price: $106,900
• Delta: -34.47%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2210 Griswold St	0.24mi	3/1.0 (-1)	1,136 (+4%)	1mo	$184,000	$162	74
2506 Division St	0.47mi	3/1.0 (-1)	1,085 (-1%)	1mo	$140,000	$129	70
1726 17th St	0.25mi	3/1.0 (-1)	1,156 (+6%)	4mo	$68,000	$59	69
1610 16th St	0.22mi	3/1.0 (-1)	1,000 (-8%)	5mo	$129,000	$129	64
1502 23rd St	0.25mi	3/2.0 (-1)	1,212 (+11%)	6mo	$140,000	$116	58
1830 Gillett St	0.45mi	3/1.0 (-1)	1,198 (+10%)	1mo	$169,900	$142	55
1503 Wall St	0.37mi	3/1.5 (-1)	930 (-15%)	0mo	$128,000	$138	53
1325 Division St	0.42mi	3/2.0 (-1)	1,200 (+10%)	6mo	$159,900	$133	52
1312 11th St	0.61mi	3/1.0 (-1)	1,008 (-8%)	3mo	$72,500	$72	50
1804 12th St	0.57mi	3/1.0 (-1)	1,244 (+14%)	2mo	$170,100	$137	42
1213 Gillett St. St	0.67mi	4/2.0	1,232 (+13%)	5mo	$185,000	$150	41
1026 Bancroft St	0.72mi	3/1.0 (-1)	960 (-12%)	1mo	$67,000	$70	39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.61% rent growth · sell at horizon

5-year hold

• IRR: 6.5%
• Equity multiple: 1.26×
• Total profit: $7,676
• Equity at exit: $15,939

10-year hold

• IRR: 16.4%
• Equity multiple: 2.38×
• Total profit: $41,298
• Equity at exit: $9,243

Cash invested: $29,932 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 48060

• Rents YoY: 3.6%
• Active inventory: 220
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,371 medium
• Mortgage (P&I): −$561
• Tax from tax record: −$99 /mo · $1,183/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $379

Break-even live

Break-even rent $891

Max offer price $106,900

Occupancy floor 67%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $26,725
• Closing costs: $3,207
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
937 Howard St Port Huron, MI	3.0	1.0	1080	$1,500	$1.39	18d	1	0.82mi
619 Taylor St Port Huron, MI	2.0–3.0	1.0–1.5	716	$900	$1.26	2d	1	1.11mi
909 Stone St Unit 1 Port Huron, MI	3.0	1.0	1100	$1,250	$1.14	44d	1	1.31mi
2903 Golden Crest Ct Port Huron, MI	2.0–3.0	2.0	1066	$1,204	$1.13	2d	16	1.33mi

Listing history 34 events

1. 2026-06-18
   days on market $106,900 Active 268 DOM
2. 2026-06-17
   days on market $106,900 Active 267 DOM
3. 2026-06-16
   days on market $106,900 Active 266 DOM
4. 2026-06-15
   days on market $106,900 Active 265 DOM
5. 2026-06-13
   days on market $106,900 Active 263 DOM
6. 2026-06-13
   days on market $106,900 Active 262 DOM
7. 2026-06-09
   days on market $106,900 Active 259 DOM
8. 2026-06-08
   days on market $106,900 Active 258 DOM
9. 2026-06-07
   days on market $106,900 Active 257 DOM
10. 2026-06-04
    days on market $106,900 Active 254 DOM
11. 2026-06-03
    days on market $106,900 Active 253 DOM
12. 2026-06-02
    days on market $106,900 Active 252 DOM
13. 2026-06-01
    days on market $106,900 Active 251 DOM
14. 2026-05-31
    days on market $106,900 Active 250 DOM
15. 2026-05-08
    price $106,900 527-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

16. 2026-05-08
    price $106,900 545-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

17. 2026-04-08
    price $111,900 527-char remark

    Show marketing remark (527 chars)

    Don't miss this awesome 4 bedroom, 1.5 bath, large1900's home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don't miss out! Call your real estate agent today! More photos to come.

18. 2026-04-07
    price $111,900 545-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

19. 2026-02-11
    price $114,900 527-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

20. 2026-02-11
    price $114,900 545-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

21. 2026-01-20
    price $117,000 527-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

22. 2026-01-20
    price $117,000 545-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

23. 2025-12-06
    price $119,900 527-char remark

    Show marketing remark (527 chars)

    Don't miss this awesome 4 bedroom, 1.5 bath, large1900's home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don't miss out! Call your real estate agent today! More photos to come.

24. 2025-12-05
    price $119,900 545-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

25. 2025-10-20
    price $125,000 545-char remark

    Show marketing remark (527 chars)

    Don't miss this awesome 4 bedroom, 1.5 bath, large1900's home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don't miss out! Call your real estate agent today! More photos to come.

26. 2025-10-20
    price $125,000 527-char remark

    Show marketing remark (527 chars)

    Don't miss this awesome 4 bedroom, 1.5 bath, large1900's home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don't miss out! Call your real estate agent today! More photos to come.

27. 2025-09-23
    listed $130,000 Active 527-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

28. 2025-09-23
    listed $130,000 Active 545-char remark

    Show marketing remark (545 chars)

    Don’t miss this awesome 4 bedroom, 1.5 bath, large1900’s home. Full basement, 2-year- old furnace and 1 year old central air. The flooring on the entire main floor has been redone with Pergo flooring in 2024. Owner has pets so for buyer, house will be scrubbed when owner moves out. Please give 24 hr notice for showings and schedule during reasonable hours. Seller will need 30 days after closing to find suitable home. Lots of interest, view soon so you don’t miss out! Call your real estate agent today! More photos to come.

29. 2006-03-16
    soldstatus $89,900
30. 2005-06-08
    soldstatus $89,900
31. 2005-06-08
    soldstatus $89,900
32. 2005-05-23
    historical
33. 2005-05-16
    listed $89,900
34. 2005-05-16
    listed $89,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

• Current annual tax: $1,183 · $99/mo
• Projected year-2 tax: $1,415 · $118/mo
• Expected delta: +$232/yr (+$19/mo · 19.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥98°F today · 14 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,450
• − Mortgage interest: −$5,988
• − Property taxes: −$1,183
• − Insurance: −$534
• − Repairs & maintenance: −$1,316
• − Management: −$1,316
• − Depreciation: −$3,110
• Taxable income: $3,002
• Est. tax owed @ 24.0%: −$721
• After-tax cash flow: $3,830/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Port Huron Area School District
• NCES district ID: 2628830
• Math proficiency: 23% ▼ -5.00%
• Reading proficiency: 37% ▼ -2.00%
• Median HH income: $42,093
• Composite: 25.4/100
• National rank: #7462
• State rank: #368 of 540 in MI

Livability — Port Huron

• Score: 65/100
• State rank: #445
• US rank: #12478

Category grades

Amenities C- Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety D User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Huron, MI
• County: Saint Clair County · 44,760 people
• City population: 39,342
• Metro: Detroit-Warren-Dearborn, MI
• Population (ZIP): 39,342
• Household income: $53,018
• Rent vs Own: 37.0% rent · 63.0% own
• Severe rent burden: 1808.0

Population outlook (St. Clair County) Hauer SSP2

• Today (2025): 154,587 people
• By 2030: 150,031 · -2.9%
• By 2040: 138,177 · -10.6%
• By 2050: 124,390 · -19.5%
• By 2075: 95,825 · -38.0%
• By 2100: 68,672 · -55.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (80%)
• Race & ethnicity: White 80% Black 7% Two or more races 7% Hispanic / Latino 6%
• Hispanic origin (detail): Mexican 4%
• Common ancestry: Romanian 6% Lithuanian 4% Slovak 3%
• Foreign-born: 2% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · St. Clair

• 2024 margin: Solid R (+34.6) · D 32.0% · R 66.6% · Other 1.4%
• 2008→2024 swing: -37.3pp toward R · 2008: 2.6pp · 2024: -34.6pp
• All cycles: 2024: R+34.6 2020: R+30.2 2016: R+31.4 2012: R+7.1 2008: D+2.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -134.75%
• Current HPI: 177.2401
• Rent YoY: ▲ 3.61%
• Metro: Detroit-Warren-Dearborn, MI
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+18.9% since first listed

20 events — show timeline

• 2026-05-08 Price Changed $106,900 MiRealSource-MiMLS
• 2026-05-08 Price Changed $106,900 REALCOMP
• 2026-04-08 Price Changed $111,900 MiRealSource-MiMLS
• 2026-04-07 Price Changed $111,900 REALCOMP
• 2026-02-11 Price Changed $114,900 MiRealSource-MiMLS
• 2026-02-11 Price Changed $114,900 REALCOMP
• 2026-01-20 Price Changed $117,000 MiRealSource-MiMLS
• 2026-01-20 Price Changed $117,000 REALCOMP
• 2025-12-06 Price Changed $119,900 MiRealSource-MiMLS
• 2025-12-05 Price Changed $119,900 REALCOMP
• 2025-10-20 Price Changed $125,000 REALCOMP
• 2025-10-20 Price Changed $125,000 MiRealSource-MiMLS
• 2025-09-23 Listed $130,000 REALCOMP
• 2025-09-23 Listed $130,000 MiRealSource-MiMLS
• 2006-03-16 Sold (Public Records) $89,900 Public Records
• 2005-06-08 Sold (MLS) $89,900 MiRealSource-MiMLS
• 2005-06-08 Sold (MLS) $89,900 REALCOMP
• 2005-05-23 Listing Removed — MiRealSource-MiMLS
• 2005-05-16 Listed $89,900 MiRealSource-MiMLS
• 2005-05-16 Listed $89,900 REALCOMP

Property tax history

+3.6%/yr

Latest (2025): $1,183 · -16.0% YoY. Source: county tax records.