1007 7th St · Hampton, IL 61256

$265,000

3 bd · 2.5 ba · 1,220 sqft · SingleFamily public records · 20 Days on market

Built 1991 7,840 sqft lot

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Why this score? — see what drove the D 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 +13.0/30.0
• ARV discount +7.5/15.0
• Appreciation +6.3/10.0
• DSCR +3.9/10.0
• 1% rule +3.8/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks MLS

WELCOME HOME to this wonderful 3 bedroom, 3 bath, WELL LOVED home and MOVE IN READY! The COZY SPACIOUS LIVING ROOM features a large picture window. The informal dining area is open to the living room, kitchen with a door to the deck. The kitchen is equipped with a pantry, ample cupboards, ceramic tiled floors, with a window to the back yard. The master bedroom includes a MASTER BATH and large enough for a king-sized bed. The BASEMENT IS FINISHED with A COZY GAS FIREPLACE, BATHROOM, and extra storage. Other notable features of the property include REPLACEMENT WINDOWS, ATTACHED 2 CAR GARAGE which is both heated and air conditioned, PLUS a PRIVACY FENCED BACK YARD and a shed for extra storage and a POWERED AWNING over the rear deck. Corner lot and within walking distance to a park.

Key facts

• Updated windows
• Doggy door
• Motorized awning

Tags

• CORNER LOT
• UPDATED WINDOWS
• CUSTOM LOCALLY MADE BLINDS
• MOTORIZED AWNING
• DOGGY DOOR
• FULLY FENCED YARD

Property features AI

Finance

• Other:
• Financial info:
• HOA & community: No master association fees required

Exterior

• Parking:
• Security:
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; Split-level design; Upper level approx. 1,220 finished; Total finished area reported as approx. 1,792
• Construction: Vinyl siding; Asphalt roof; Concrete perimeter foundation; Built approximately 31–40 years ago; Not built before 1978
• Exterior features: Corner lot; Lot dimensions approx. 76 x 101 x 50 x 19 x 17 x 79; Lot size less than 0.25 acre

Interior

• Kitchen: Kitchen with eating area/breakfast bar and pantry; Range; Microwave; Dishwasher; Refrigerator; Water softener (owned)
• Bedrooms: Three bedrooms (all on the main level); Bedroom sizes include: 13 x 12 (master), 12 x 10, 11 x 10
• Flooring: Carpet in living areas and bedrooms; Tile in the kitchen
• Bathrooms: Two full bathrooms; One half bathroom; Basement has a bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Finished partial basement; Seven total rooms; One fireplace in the family room
• Laundry & utility: Lower-level laundry room (approx. 5 x 3)

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-14 ($-173/yr) — negative.
• To cash-flow at today's rent, offer at most $262k (1.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $234k (11.8% below list).
• Recommended offer: $234k (11.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#508 in IL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety F.
• United Twp Hsd 30 (suburban): math 12% / reading 15% proficiency, ranked #536 of 620 in IL (top 86%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 16 active listings in the ZIP; 116 units permitted in Rock Island County in 2024 (50 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($2k loan paydown + $7k appreciation (2.7% local appreciation)).
• Rock Island County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.7% appreciation + 3.0% rent growth), your $74k cash investment doubles in ~7 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($261k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 14y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $203k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $233,802 (11.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
4. 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.
5. 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.
6. 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: 0.88% ✗
• Cap rate: 6.23%
• Cash-on-cash: -0.23%
• DSCR: 0.99
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $175,680
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1005 5th Street A	0.13mi	3/1.0	1,320 (+8%)	2mo	$239,900	$182	72
626 14th Ave	0.19mi	3/1.5	1,398 (+15%)	5mo	$155,400	$111	58
914 1st Ave	0.63mi	3/1.0	1,180 (-3%)	5mo	$170,000	$144	55
812 1st Ave	0.62mi	3/1.0	1,240 (+2%)	16mo	$165,000	$133	49

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

Projected returns pro-forma

2.69% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 6.4%
• Equity multiple: 1.36×
• Total profit: $26,671
• Equity at exit: $114,487

10-year hold

• IRR: 9.4%
• Equity multiple: 2.37×
• Total profit: $101,871
• Equity at exit: $172,890

Cash invested: $74,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 43 Moderately Tenant-Leaning
• State Illinois: 43 Moderately Tenant-Leaning · D+7
• County: — inherits STATE
• City: — inherits STATE

Chicago RTLO is among the strongest tenant ordinances in the Midwest; downstate is more landlord-friendly.

Methodology + full state rankings →

ZIP-level market 61256

• Home prices YoY: 1.6%
• Active inventory: 16
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,338 medium
• Mortgage (P&I): −$1,390
• Tax from tax record: −$361 /mo · $4,336/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$491
• Net cashflow: $-14

Break-even live

Break-even rent $2,356

Max offer price $262,455

Occupancy floor 96%

Sensitivity live

Price	-10% $136	-5% $61	+0% $-14	+5% $-89	+10% $-164
Rent	-10% $-199	-5% $-107	+0% $-14	+5% $78	+10% $170
Rate	-1.0pp $119	-0.5pp $53	base $-14	+0.5pp $-83	+1.0pp $-153

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-06-01
   statusdays on market $265,000 Pending 20 DOM
2. 2026-05-31
   days on market $265,000 Active 19 DOM
3. 2026-05-30
   days on market $265,000 Active 18 DOM
4. 2026-05-12
   listed $265,000 Active
5. 2023-07-10
   soldstatus $203,250
6. 2023-07-07
   soldstatus $203,250 789-char remark

   Show marketing remark (789 chars)

   WELCOME HOME to this wonderful 3 bedroom, 3 bath, WELL LOVED home and MOVE IN READY! The COZY SPACIOUS LIVING ROOM features a large picture window. The informal dining area is open to the living room, kitchen with a door to the deck. The kitchen is equipped with a pantry, ample cupboards, ceramic tiled floors, with a window to the back yard. The master bedroom includes a MASTER BATH and large enough for a king-sized bed. The BASEMENT IS FINISHED with A COZY GAS FIREPLACE, BATHROOM, and extra storage. Other notable features of the property include REPLACEMENT WINDOWS, ATTACHED 2 CAR GARAGE which is both heated and air conditioned, PLUS a PRIVACY FENCED BACK YARD and a shed for extra storage and a POWERED AWNING over the rear deck. Corner lot and within walking distance to a park.

7. 2023-07-07
   soldstatus $203,250 Closed 789-char remark

   Show marketing remark (789 chars)

   WELCOME HOME to this wonderful 3 bedroom, 3 bath, WELL LOVED home and MOVE IN READY! The COZY SPACIOUS LIVING ROOM features a large picture window. The informal dining area is open to the living room, kitchen with a door to the deck. The kitchen is equipped with a pantry, ample cupboards, ceramic tiled floors, with a window to the back yard. The master bedroom includes a MASTER BATH and large enough for a king-sized bed. The BASEMENT IS FINISHED with A COZY GAS FIREPLACE, BATHROOM, and extra storage. Other notable features of the property include REPLACEMENT WINDOWS, ATTACHED 2 CAR GARAGE which is both heated and air conditioned, PLUS a PRIVACY FENCED BACK YARD and a shed for extra storage and a POWERED AWNING over the rear deck. Corner lot and within walking distance to a park.

8. 2023-06-12
   status Pending 789-char remark

   Show marketing remark (789 chars)

   WELCOME HOME to this wonderful 3 bedroom, 3 bath, WELL LOVED home and MOVE IN READY! The COZY SPACIOUS LIVING ROOM features a large picture window. The informal dining area is open to the living room, kitchen with a door to the deck. The kitchen is equipped with a pantry, ample cupboards, ceramic tiled floors, with a window to the back yard. The master bedroom includes a MASTER BATH and large enough for a king-sized bed. The BASEMENT IS FINISHED with A COZY GAS FIREPLACE, BATHROOM, and extra storage. Other notable features of the property include REPLACEMENT WINDOWS, ATTACHED 2 CAR GARAGE which is both heated and air conditioned, PLUS a PRIVACY FENCED BACK YARD and a shed for extra storage and a POWERED AWNING over the rear deck. Corner lot and within walking distance to a park.

9. 2023-06-08
   listed $197,000 789-char remark

   Show marketing remark (789 chars)

   WELCOME HOME to this wonderful 3 bedroom, 3 bath, WELL LOVED home and MOVE IN READY! The COZY SPACIOUS LIVING ROOM features a large picture window. The informal dining area is open to the living room, kitchen with a door to the deck. The kitchen is equipped with a pantry, ample cupboards, ceramic tiled floors, with a window to the back yard. The master bedroom includes a MASTER BATH and large enough for a king-sized bed. The BASEMENT IS FINISHED with A COZY GAS FIREPLACE, BATHROOM, and extra storage. Other notable features of the property include REPLACEMENT WINDOWS, ATTACHED 2 CAR GARAGE which is both heated and air conditioned, PLUS a PRIVACY FENCED BACK YARD and a shed for extra storage and a POWERED AWNING over the rear deck. Corner lot and within walking distance to a park.

10. 2023-06-08
    listed $197,000 Active 789-char remark

    Show marketing remark (789 chars)

    WELCOME HOME to this wonderful 3 bedroom, 3 bath, WELL LOVED home and MOVE IN READY! The COZY SPACIOUS LIVING ROOM features a large picture window. The informal dining area is open to the living room, kitchen with a door to the deck. The kitchen is equipped with a pantry, ample cupboards, ceramic tiled floors, with a window to the back yard. The master bedroom includes a MASTER BATH and large enough for a king-sized bed. The BASEMENT IS FINISHED with A COZY GAS FIREPLACE, BATHROOM, and extra storage. Other notable features of the property include REPLACEMENT WINDOWS, ATTACHED 2 CAR GARAGE which is both heated and air conditioned, PLUS a PRIVACY FENCED BACK YARD and a shed for extra storage and a POWERED AWNING over the rear deck. Corner lot and within walking distance to a park.

11. 2012-10-31
    soldstatus $137,000
12. 2012-10-26
    soldstatus $137,000 415-char remark

    Show marketing remark (415 chars)

    Move In Condition and Very Tastefully Decorated Throughout! Plus Lots Of News....New Furnace, New C/A, New Hot Water Heater, New Roof, All New Windows & Newly Landscaped Yard with a Privacy Fence! Plus, New Deck with Motorized Sun Setter Awning for Instance Shade. Three Bedrooms, Three Bathrooms, Fireplace and Big 2 1/2 Car Garage Drywall / Insulated with Heat & Central Air. This is a Must to See, Today!

13. 2012-10-26
    soldstatus $137,000 415-char remark

    Show marketing remark (415 chars)

    Move In Condition and Very Tastefully Decorated Throughout! Plus Lots Of News....New Furnace, New C/A, New Hot Water Heater, New Roof, All New Windows & Newly Landscaped Yard with a Privacy Fence! Plus, New Deck with Motorized Sun Setter Awning for Instance Shade. Three Bedrooms, Three Bathrooms, Fireplace and Big 2 1/2 Car Garage Drywall / Insulated with Heat & Central Air. This is a Must to See, Today!

14. 2012-08-20
    listed $139,900 415-char remark

    Show marketing remark (415 chars)

    Move In Condition and Very Tastefully Decorated Throughout! Plus Lots Of News....New Furnace, New C/A, New Hot Water Heater, New Roof, All New Windows & Newly Landscaped Yard with a Privacy Fence! Plus, New Deck with Motorized Sun Setter Awning for Instance Shade. Three Bedrooms, Three Bathrooms, Fireplace and Big 2 1/2 Car Garage Drywall / Insulated with Heat & Central Air. This is a Must to See, Today!

15. 2012-08-20
    listed $139,900 415-char remark

    Show marketing remark (415 chars)

    Move In Condition and Very Tastefully Decorated Throughout! Plus Lots Of News....New Furnace, New C/A, New Hot Water Heater, New Roof, All New Windows & Newly Landscaped Yard with a Privacy Fence! Plus, New Deck with Motorized Sun Setter Awning for Instance Shade. Three Bedrooms, Three Bathrooms, Fireplace and Big 2 1/2 Car Garage Drywall / Insulated with Heat & Central Air. This is a Must to See, Today!

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

Tax reassessment forecast IL · Partial reset (capped growth)

• Current annual tax: $4,336 · $361/mo
• Projected year-2 tax: $5,176 · $431/mo
• Expected delta: +$840/yr (+$70/mo · 19.4%)

ⓘ 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 ≥103°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,056
• − Mortgage interest: −$14,844
• − Property taxes: −$4,336
• − Insurance: −$1,325
• − Repairs & maintenance: −$2,244
• − Management: −$2,244
• − Depreciation: −$7,709
• Taxable loss: −$4,647
• Est. tax savings @ 24.0%: +$1,115
• After-tax cash flow: $942/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: United Twp Hsd 30
• NCES district ID: 1739870
• Math proficiency: 12% ▼ -5.00%
• Reading proficiency: 15% ▼ -6.00%
• Median HH income: $43,647
• Composite: 11.91/100
• National rank: #9670
• State rank: #536 of 620 in IL

Livability — Hampton

• Score: 67/100
• State rank: #508
• US rank: #10505

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hampton, IL
• City population: 1,946
• Population (ZIP): 1,946

Population outlook (Rock Island County) Hauer SSP2

• Today (2025): 140,982 people
• By 2030: 137,705 · -2.3%
• By 2040: 130,512 · -7.4%
• By 2050: 123,841 · -12.2%
• By 2075: 109,851 · -22.1%
• By 2100: 90,922 · -35.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 16% Two or more races 9% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Slovak 3% English 3% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 93% English-only · Spanish 6% German/W. Germanic 1%

Political lean MEDSL · Rock Island

• 2024 margin: Lean D (+9.6) · D 53.9% · R 44.4% · Other 1.7%
• 2008→2024 swing: -15.0pp toward R · 2008: 24.6pp · 2024: 9.6pp
• All cycles: 2024: D+9.6 2020: D+12.1 2016: D+8.4 2012: D+21.9 2008: D+24.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.69%
• Current HPI: 165.0514
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.59%
• F500 in state: 60

Industry mix (Fortune 500 HQ in IL)

Industry	F500 HQs	Revenue
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

+89.4% since first listed

12 events — show timeline

• 2026-05-12 Listed $265,000 MRED as Distributed by MLS Grid
• 2023-07-10 Sold (Public Records) $203,250 Public Records
• 2023-07-07 Sold (MLS) $203,250 RMLSA as Distributed by MLS Grid
• 2023-07-07 Sold (MLS) $203,250 MRED as Distributed by MLS Grid
• 2023-06-12 Pending — RMLSA as Distributed by MLS Grid
• 2023-06-08 Listed $197,000 RMLSA as Distributed by MLS Grid
• 2023-06-08 Listed $197,000 MRED as Distributed by MLS Grid
• 2012-10-31 Sold (Public Records) $137,000 Public Records
• 2012-10-26 Sold (MLS) $137,000 MRED as Distributed by MLS Grid
• 2012-10-26 Sold (MLS) $137,000 RMLSA as Distributed by MLS Grid
• 2012-08-20 Listed $139,900 MRED as Distributed by MLS Grid
• 2012-08-20 Listed $139,900 RMLSA as Distributed by MLS Grid

Property tax history

+2.8%/yr

Latest (2024): $4,336 · +12.5% YoY. Source: county tax records.