14658 Lincoln Ave · Dolton, IL 60419

$139,900

2 bd · 1.0 ba · 906 sqft · SingleFamily public records · 17 Days on market

Built 1955 10,715 sqft lot Est $133k · 5% over

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Why this score? — see what drove the C 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 +25.3/30.0
• 1% rule +8.4/10.0
• DSCR +8.3/10.0
• ARV discount +5.2/15.0
• Rent growth +4.9/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Why rent when you can own. Huge fenced backyard!. Lots of counter space. Eat-in kitchen area and combined living room/dining room area. Separate laundry room in the utility room. Detached 2 car garage . Property Sold " As Is"

Key facts

• Eat-in kitchen
• 0.25 acre lot
• Garage

Tags

• EAT-IN KITCHEN
• SEPARATE LAUNDRY UTILITY ROOM

Property features AI

Finance

• Other: Taxes listed (annual amount available in records); Parcel number available in records; Directions: intersection of Lincoln and Dobson
• HOA & community: No master association fee required; Community features include sidewalks, street lights and paved streets

Exterior

• Parking: Detached garage (owned) with garage door opener; Gravel and off-street parking; Total of about 3 parking spaces, including 1 garage space
• Utilities: Lake Michigan and public water supply; Public sewer
• Home design: Detached single-family home; One-story; Fee simple ownership; Property was rehabbed in 2022; Built approximately 71–80 years ago; Property currently leased
• Construction: Vinyl siding and brick exterior; Asphalt roof; Other-type foundation; Home built before 1978
• Exterior features: Patio; Fenced yard; Corner lot; Lot dimensions roughly 31 x 125 x 56 x 91 x 123

Interior

• Kitchen: Range; Microwave; Dishwasher; Refrigerator; Kitchen with eating area/table space (approx. 20 x 11)
• Bedrooms: Three bedrooms (all on the main level); Master bedroom with blinds; Bedroom sizes include 10 x 13, 10 x 12, and 8 x 12
• Flooring: Ceramic tile in living room, dining area, kitchen and master bedroom; Ceramic tile in one bedroom; Vinyl flooring in one bedroom; Other flooring in laundry room
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas and electric heating; Wall-mounted cooling units
• Interior features: Six total rooms; Combined dining and living area; School bus service and easy interstate/commuter bus access
• Laundry & utility: Main-level laundry room (approx. 5 x 9)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $318 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $138k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#263 in IL, #4,883 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, health & safety C-, schools F.
• Thornton Twp Hsd 205 (suburban): math 7% / reading 8% proficiency, ranked #594 of 620 in IL (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+9.7%/yr); 130 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• This rent runs 39% of the median local income ($58k/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 $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $39k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($138k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 7y 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 $75k; list at $140k implies a 87% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price; built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $137,801 (1.5% below list)

Questions for the listing agent

1. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. Crime grade is D 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?
6. 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.
7. 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.
8. 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: 1.34% ✓
• Cap rate: 9.02%
• Cash-on-cash: 9.74%
• DSCR: 1.43
• GRM: 6.2

CMA / ARV

• ARV (on-the-fly): $133,182
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14840 Langley Ave	0.50mi	2/1.0	936 (+3%)	2mo	$37,000	$40	69
14647 Irving Ave	0.54mi	3/2.0 (+1)	889 (-2%)	2mo	$138,000	$155	61
14731 Kimbark Ave	0.35mi	3/1.0 (+1)	1,017 (+12%)	2mo	$115,000	$113	56
14915 Irving Ave	0.61mi	2/1.0	980 (+8%)	4mo	$68,000	$69	55
14642 Dorchester Ave	0.44mi	3/1.0 (+1)	1,013 (+12%)	1mo	$170,000	$168	54
14622 Kenwood Ave	0.38mi	3/1.0 (+1)	1,017 (+12%)	5mo	$110,000	$108	53
14728 Kenwood Ave	0.39mi	3/1.0 (+1)	1,017 (+12%)	5mo	$156,000	$153	52
14819 Irving Ave	0.56mi	3/1.0 (+1)	980 (+8%)	4mo	$130,000	$133	52
14341 University Ave	0.43mi	3/1.0 (+1)	1,035 (+14%)	1mo	$100,000	$97	50
14610 Blackstone Ave	0.57mi	3/1.0 (+1)	1,017 (+12%)	1mo	$150,000	$147	47
14738 Blackstone Ave	0.57mi	3/1.0 (+1)	1,017 (+12%)	1mo	$150,000	$147	47
14248 Avalon Ave	0.57mi	3/2.0 (+1)	1,037 (+14%)	6mo	$216,000	$208	35

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 4.7%
• Equity multiple: 1.19×
• Total profit: $7,596
• Equity at exit: $20,860

10-year hold

• IRR: 18.8%
• Equity multiple: 3.00×
• Total profit: $78,231
• Equity at exit: $12,096

Cash invested: $39,172 (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 60419

• Home prices YoY: -25.7%
• Rents YoY: 9.7%
• Active inventory: 130
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,869 high
• Mortgage (P&I): −$734
• Tax from tax record: −$367 /mo · $4,402/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $318

Break-even live

Break-even rent $1,467

Max offer price $139,900

Occupancy floor 78%

Sensitivity live

Price	-10% $397	-5% $357	+0% $318	+5% $278	+10% $239
Rent	-10% $170	-5% $244	+0% $318	+5% $392	+10% $465
Rate	-1.0pp $388	-0.5pp $353	base $318	+0.5pp $282	+1.0pp $245

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14502 Cottage Grove Ave Unit 1S Dolton, IL	1.0	1.0	900	$1,425	$1.58	8d	1	0.42mi
14500 Cottage Grove Ave Unit 3 Dolton, IL	2.0	1.0	1000	$1,475	$1.48	25d	1	0.42mi
14817 Champlain Ave Dolton, IL	2.0	1.0	980	$2,430	$2.48	22d	1	0.50mi
14738 Blackstone Ave Dolton, IL	3.0	1.0	1017	$2,400	$2.36	10d	1	0.57mi
14610 Blackstone Ave Dolton, IL	3.0	1.0	1017	$2,400	$2.36	7d	1	0.57mi
14305 Irving Ave Unit 2 Dolton, IL	3.0	1.0	1100	$2,200	$2.00	25d	1	0.72mi
495 Madison Ave Unit 1D Calumet City, IL	1.0	1.0	595	$1,175	$1.97	14d	1	1.00mi
1450 E 154th Pl Dolton, IL	1.0	1.0	800	$1,250	$1.56	25d	1	1.09mi
15238 Doctor Martin Luther King Junior Dr Unit 2W Dolton, IL	2.0	1.0	800	$1,500	$1.88	11d	1	1.09mi
405 Clyde Ave Calumet City, IL	3.0	1.0	973	$2,300	$2.36	2d	1	1.11mi
1860 State St Calumet City, IL	3.0	1.0	1100	$1,800	$1.64	18d	1	1.12mi
15324 Doctor Martin Luther King Junior Dr Unit 1B Dolton, IL	1.0	1.0	725	$985	$1.36	19d	1	1.15mi
101 Oglesby Ave Calumet City, IL	2.0	1.0	1000	$1,800	$1.80	22d	1	1.43mi
101 Oglesby Ave Calumet City, IL	2.0	1.0	1100	$1,800	$1.64	12d	1	1.43mi
101 Oglesby Ave Calumet City, IL	2.0	1.0	1000	$1,800	$1.80	20d	1	1.43mi
13841 Forest Ave Dolton, IL	3.0	1.0	930	$1,895	$2.04	25d	1	1.43mi
250 Yates Ave Unit 1616 Dolton 1E Calumet City, IL	2.0	1.0	875	$1,465	$1.67	8d	1	1.44mi
1601 Downs Dr Unit 3S Calumet City, IL	2.0	1.0	750	$1,400	$1.87	25d	1	1.46mi

Listing history 37 events

1. 2026-06-18
   days on market $139,900 Active 17 DOM
2. 2026-06-17
   days on market $139,900 Active 16 DOM
3. 2026-06-16
   days on market $139,900 Active 15 DOM
4. 2026-06-15
   days on market $139,900 Active 14 DOM
5. 2026-06-13
   days on market $139,900 Active 12 DOM
6. 2026-06-13
   days on market $139,900 Active 11 DOM
7. 2026-06-09
   days on market $139,900 Active 8 DOM
8. 2026-06-08
   days on market $139,900 Active 7 DOM
9. 2026-06-07
   days on market $139,900 Active 6 DOM
10. 2026-06-04
    days on market $139,900 Active 3 DOM
11. 2026-06-03
    days on market $139,900 Active 2 DOM
12. 2026-06-02
    pricedays on marketlisting id $139,900 Active 1 DOM
13. 2026-06-01
    days on market $144,900 Active 54 DOM
14. 2026-05-31
    days on market $144,900 Active 53 DOM
15. 2026-04-08
    listed $144,900 Active
16. 2026-04-08
    historical
17. 2026-03-19
    listed Active
18. 2022-03-16
    price $1,650
19. 2021-10-05
    soldstatus $75,000
20. 2021-09-30
    soldstatus $75,000 Closed 237-char remark

    Show marketing remark (237 chars)

    Why rent when you can own. Huge fenced backyard!. Lots of counter space. Eat-in kitchen area and combined living room/dining room area. Separate laundry room in the utility room. Detached 2 car garage . Property Sold " As Is"

21. 2021-08-10
    status Active Under Contract 237-char remark

    Show marketing remark (237 chars)

    Why rent when you can own. Huge fenced backyard!. Lots of counter space. Eat-in kitchen area and combined living room/dining room area. Separate laundry room in the utility room. Detached 2 car garage . Property Sold " As Is"

22. 2021-07-22
    listed $90,000 Active 237-char remark

    Show marketing remark (237 chars)

    Why rent when you can own. Huge fenced backyard!. Lots of counter space. Eat-in kitchen area and combined living room/dining room area. Separate laundry room in the utility room. Detached 2 car garage . Property Sold " As Is"

23. 2019-10-25
    soldstatus $30,000 Closed Sale
24. 2019-09-04
    status Pending
25. 2019-09-04
    status Reactivated
26. 2019-08-16
    historical Contingent
27. 2019-08-16
    historical
28. 2019-07-08
    price $49,900
29. 2019-07-05
    price $52,500
30. 2019-07-03
    status Reactivated
31. 2019-06-24
    historical
32. 2019-05-28
    price $59,900
33. 2019-04-23
    price $65,000
34. 2019-04-04
    price $69,000
35. 2019-03-12
    listed $69,900 New
36. 2007-01-11
    soldstatus $100,000
37. 1990-04-01
    soldstatus $49,500

ⓘ 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: $4,402 · $367/mo
• Projected year-2 tax: $4,402 · $367/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,430
• − Mortgage interest: −$7,837
• − Property taxes: −$4,402
• − Insurance: −$700
• − Repairs & maintenance: −$1,794
• − Management: −$1,794
• − Depreciation: −$4,070
• Taxable income: $1,833
• Est. tax owed @ 24.0%: −$440
• After-tax cash flow: $3,374/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: Thornton Twp Hsd 205
• NCES district ID: 1738970
• Math proficiency: 7% ▬ 0.00%
• Reading proficiency: 8% ▼ -2.00%
• Median HH income: $43,392
• Composite: 6.92/100
• National rank: #9976
• State rank: #594 of 620 in IL

Livability — Dolton

• Score: 74/100
• State rank: #263
• US rank: #4883

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dolton, IL
• County: Cook County · 4,486,803 people
• City population: 20,825
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 20,825
• Household income: $57,887
• Rent vs Own: 27.4% rent · 72.6% own
• Severe rent burden: 919.0

Population outlook (Cook County) Hauer SSP2

• Today (2025): 5,347,519 people
• By 2030: 5,357,703 · +0.2%
• By 2040: 5,324,924 · -0.4%
• By 2050: 5,230,762 · -2.2%
• By 2075: 4,785,735 · -10.5%
• By 2100: 4,188,836 · -21.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (91%)
• Race & ethnicity: Black 91% White 4% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Romanian 1% Hispanic 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · French/Haitian/Cajun 2% Spanish 1%

Political lean MEDSL · Cook

• 2024 margin: Solid D (+42.0) · D 70.4% · R 28.4% · Other 1.2%
• 2008→2024 swing: -11.4pp toward R · 2008: 53.4pp · 2024: 42.0pp
• All cycles: 2024: D+42.0 2020: D+50.3 2016: D+53.0 2012: D+49.4 2008: D+53.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -66.88%
• Current HPI: 193.2346
• Rent YoY: ▲ 9.65%
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• 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

+192.7% since first listed

23 events — show timeline

• 2026-04-08 Listing Removed — MRED as Distributed by MLS Grid
• 2026-04-08 Listed $144,900 MRED as Distributed by MLS Grid
• 2026-03-19 Listed — MRED as Distributed by MLS Grid
• 2022-03-16 Price Changed $1,650 RENT.
• 2021-10-05 Sold (Public Records) $75,000 Public Records
• 2021-09-30 Sold (MLS) $75,000 MRED as Distributed by MLS Grid
• 2021-08-10 Pending — MRED as Distributed by MLS Grid
• 2021-07-22 Listed $90,000 MRED as Distributed by MLS Grid
• 2019-10-25 Sold (MLS) $30,000 MRED as Distributed by MLS Grid
• 2019-09-04 Pending — MRED as Distributed by MLS Grid
• 2019-09-04 Relisted — MRED as Distributed by MLS Grid
• 2019-08-16 Contingent — MRED as Distributed by MLS Grid
• 2019-08-16 Listing Removed — MRED as Distributed by MLS Grid
• 2019-07-08 Price Changed $49,900 MRED as Distributed by MLS Grid
• 2019-07-05 Price Changed $52,500 MRED as Distributed by MLS Grid
• 2019-07-03 Relisted — MRED as Distributed by MLS Grid
• 2019-06-24 Listing Removed — MRED as Distributed by MLS Grid
• 2019-05-28 Price Changed $59,900 MRED as Distributed by MLS Grid
• 2019-04-23 Price Changed $65,000 MRED as Distributed by MLS Grid
• 2019-04-04 Price Changed $69,000 MRED as Distributed by MLS Grid
• 2019-03-12 Listed $69,900 MRED as Distributed by MLS Grid
• 2007-01-11 Sold (Public Records) $100,000 Public Records
• 1990-04-01 Sold (Public Records) $49,500 Public Records

Property tax history

+1.7%/yr

Latest (2023): $4,402 · +30.1% YoY. Source: county tax records.