14634 Kenwood Ave · Dolton, IL 60419

$159,900

3 bd · 1.0 ba · 1,017 sqft · SingleFamily public records · 37 Days on market

Built 1957 4,917 sqft lot Est $115k · 39% 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 +27.7/30.0
• DSCR +9.7/10.0
• 1% rule +9.4/10.0
• Rent growth +4.9/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

There are no remarks available.

Key facts

• Local bus service
• Locally owned shops
• Interstate access

Tags

• EXTENDED SIDE DRIVE
• OUTDOOR ENTERTAINING SPACE
• LOCAL BUS SERVICE
• INTERSTATE ACCESS
• BIG BOX RETAILERS
• LOCALLY OWNED SHOPS

Property features AI

Finance

• Other: Commuter bus and commuter train access; close to interstate
• HOA & community: No master association fee required

Exterior

• Parking: Detached garage (garage owned); Total 2 parking spaces; Off-site parking available
• Utilities: Lake Michigan water source; Public sewer
• Home design: Detached single-family home; One-story; Fee simple ownership; Rehab completed in 2023; Built before 1978
• Construction: Brick construction
• Exterior features: Sidewalks; Street lights; Paved street

Interior

• Kitchen: Kitchen (12 x 14)
• Bedrooms: Master bedroom on main level (14 x 10); Bedroom on main level (12 x 10); Bedroom on main level (10 x 10)
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas forced air heating
• Interior features: Five total rooms; Dining room; Family room; Living room
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $480 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $155k (3.0% 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; 27 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• At $2,308/mo this rent would consume 48% of the median local household income ($58k/yr) (locally 919% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $45k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($155k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 12y ago; this cycle's ask is 8100% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $59k; list at $160k implies a 171% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.3% of price; built in 1957 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $155,103 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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 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?
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: 1.44% ✓
• Cap rate: 9.90%
• Cash-on-cash: 12.87%
• DSCR: 1.57
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $114,921
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14642 Dorchester Ave	0.06mi	3/1.0	1,013 (-0%)	1mo	$170,000	$168	96
14731 Kimbark Ave	0.12mi	3/1.0	1,017 (0%)	2mo	$115,000	$113	92
14610 Blackstone Ave	0.20mi	3/1.0	1,017 (0%)	1mo	$150,000	$147	90
14738 Blackstone Ave	0.23mi	3/1.0	1,017 (0%)	1mo	$150,000	$147	89
14341 University Ave	0.43mi	3/1.0	1,035 (+2%)	1mo	$100,000	$97	76
14700 Avalon Ave	0.13mi	3/1.5	1,128 (+11%)	4mo	$125,000	$111	70
14842 Shepard Dr	0.24mi	3/1.5	1,141 (+12%)	2mo	$135,000	$118	65
1138 E 151st St	0.56mi	3/1.5	1,056 (+4%)	2mo	$210,000	$199	64
14222 S Woodlawn Ave	0.57mi	3/1.0	1,089 (+7%)	2mo	$90,000	$83	60
370 Clyde Ave	0.71mi	3/2.0	973 (-4%)	0mo	$105,000	$108	56
15043 Meadow Ln	0.52mi	3/1.0	1,151 (+13%)	1mo	$130,000	$113	52
317 Madison Ave	0.53mi	3/1.0	1,152 (+13%)	3mo	$67,200	$58	51

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: 9.1%
• Equity multiple: 1.38×
• Total profit: $17,056
• Equity at exit: $23,842

10-year hold

• IRR: 22.6%
• Equity multiple: 3.47×
• Total profit: $110,498
• Equity at exit: $13,825

Cash invested: $44,772 (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: 5.8×

Monthly cashflow live

• Estimated rent: $2,308 high
• Mortgage (P&I): −$839
• Tax from tax record: −$438 /mo · $5,259/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$485
• Net cashflow: $480

Break-even live

Break-even rent $1,701

Max offer price $159,900

Occupancy floor 74%

Sensitivity live

Price	-10% $571	-5% $525	+0% $480	+5% $435	+10% $390
Rent	-10% $298	-5% $389	+0% $480	+5% $571	+10% $663
Rate	-1.0pp $561	-0.5pp $521	base $480	+0.5pp $439	+1.0pp $397

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14716 Dorchester Ave Dolton, IL	3.0	2.0	1250	$2,800	$2.24	20d	1	0.13mi
14610 Blackstone Ave Dolton, IL	3.0	1.0	1017	$2,400	$2.36	6d	1	0.20mi
14738 Blackstone Ave Dolton, IL	3.0	1.0	1017	$2,400	$2.36	10d	1	0.26mi
14433 Woodlawn Ave Dolton, IL	4.0	2.0	1300	$2,000	$1.54	19d	1	0.27mi
409 Madison Ave Unit 2 Calumet City, IL	3.0	1.5	1200	$1,795	$1.50	4d	1	0.61mi
14500 Cottage Grove Ave Unit 3 Dolton, IL	2.0	1.0	1000	$1,475	$1.48	25d	1	0.71mi
1860 State St Calumet City, IL	3.0	1.0	1100	$1,800	$1.64	18d	1	0.75mi
405 Clyde Ave Calumet City, IL	3.0	1.0	973	$2,300	$2.36	2d	1	0.78mi
15231 Hastings Dr Dolton, IL	4.0	1.5	1487	$2,146	$1.44	8d	1	0.79mi
14817 Champlain Ave Dolton, IL	2.0	1.0	980	$2,430	$2.48	22d	1	0.87mi
14916 Langley Ave Dolton, IL	3.0	1.5	1418	$2,500	$1.76	25d	1	0.88mi
14305 Irving Ave Unit 2 Dolton, IL	3.0	1.0	1100	$2,200	$2.00	25d	1	0.99mi
101 Oglesby Ave Calumet City, IL	2.0	1.0	1000	$1,800	$1.80	20d	1	1.06mi
101 Oglesby Ave Calumet City, IL	2.0	1.0	1000	$1,800	$1.80	22d	1	1.06mi
101 Oglesby Ave Calumet City, IL	2.0	1.0	1100	$1,800	$1.64	12d	1	1.06mi
250 Yates Ave Unit 1616 Dolton 1E Calumet City, IL	2.0	1.0	875	$1,465	$1.67	8d	1	1.08mi
1601 Downs Dr Unit 3S Calumet City, IL	2.0	1.0	750	$1,400	$1.87	25d	1	1.09mi
660 Clyde Ave Calumet City, IL	3.0	1.5	1400	$1,750	$1.25	3d	1	1.12mi
659 Paxton Ave Calumet City, IL	3.0	2.0	1255	$2,461	$1.96	10d	1	1.22mi
14518 S Hoxie Ave Chicago, IL	3.0	1.5	1128	$2,450	$2.17	1d	1	1.27mi
460 Hoxie Ave Unit R Calumet City, IL	2.0	1.0	800	$1,650	$2.06	8d	1	1.32mi
460 Hoxie Ave Unit R Calumet City, IL	2.0	1.0	800	$1,650	$2.06	14d	1	1.32mi
14501 Torrence Ave Unit 3A Burnham, IL	2.0	1.0	800	$1,250	$1.56	11d	1	1.36mi
14501 S Torrence Ave Chicago, IL	1.0–2.0	1.0	737	$1,250	$1.69	13d	2	1.36mi
15238 Doctor Martin Luther King Junior Dr Unit 2W Dolton, IL	2.0	1.0	800	$1,500	$1.88	11d	1	1.42mi
15509 Park Ln South Holland, IL	4.0	1.5	1200	$3,400	$2.83	25d	1	1.42mi
15509 Park Ln South Holland, IL	4.0	1.5	1200	$3,400	$2.83	8d	1	1.42mi

Listing history 33 events

1. 2026-06-18
   days on market $159,900 Active 37 DOM
2. 2026-06-17
   days on market $159,900 Active 36 DOM
3. 2026-06-16
   days on market $159,900 Active 35 DOM
4. 2026-06-15
   days on market $159,900 Active 34 DOM
5. 2026-06-13
   days on market $159,900 Active 32 DOM
6. 2026-06-13
   days on market $159,900 Active 31 DOM
7. 2026-06-09
   days on market $159,900 Active 28 DOM
8. 2026-06-08
   days on market $159,900 Active 27 DOM
9. 2026-06-07
   days on market $159,900 Active 26 DOM
10. 2026-06-04
    days on market $159,900 Active 23 DOM
11. 2026-06-03
    days on market $159,900 Active 22 DOM
12. 2026-06-02
    days on market $159,900 Active 21 DOM
13. 2026-06-01
    days on market $159,900 Active 20 DOM
14. 2026-05-31
    days on market $159,900 Active 19 DOM
15. 2025-12-31
    historical
16. 2025-02-25
    listed Active
17. 2024-07-17
    historical $1,950
18. 2024-07-02
    listed $1,950
19. 2021-07-15
    soldstatus $59,100 Closed 31-char remark

    Show marketing remark (31 chars)

    There are no remarks available.

20. 2021-07-14
    status Active Under Contract 31-char remark

    Show marketing remark (31 chars)

    There are no remarks available.

21. 2021-06-17
    status Contingent 31-char remark

    Show marketing remark (31 chars)

    There are no remarks available.

22. 2021-06-10
    status Reactivated 31-char remark

    Show marketing remark (31 chars)

    There are no remarks available.

23. 2021-05-24
    status Contingent 31-char remark

    Show marketing remark (31 chars)

    There are no remarks available.

24. 2021-05-20
    listed $75,000 New 31-char remark

    Show marketing remark (31 chars)

    There are no remarks available.

25. 2016-06-10
    soldstatus $58,000
26. 2014-08-29
    soldstatus $24,900 Closed Sale
27. 2014-08-01
    status Pending
28. 2014-07-23
    historical Contingent
29. 2014-07-12
    price $24,900 Price Change
30. 2014-07-02
    status Reactivated
31. 2014-06-26
    historical Contingent
32. 2014-05-23
    listed $29,900 New
33. 1987-06-23
    soldstatus $45,000

ⓘ 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: $5,259 · $438/mo
• Projected year-2 tax: $5,259 · $438/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: $27,701
• − Mortgage interest: −$8,957
• − Property taxes: −$5,259
• − Insurance: −$800
• − Repairs & maintenance: −$2,216
• − Management: −$2,216
• − Depreciation: −$4,652
• Taxable income: $3,602
• Est. tax owed @ 24.0%: −$864
• After-tax cash flow: $4,898/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

-95.7% since first listed

19 events — show timeline

• 2025-12-31 Listing Removed — MRED as Distributed by MLS Grid
• 2025-02-25 Listed — MRED as Distributed by MLS Grid
• 2024-07-17 Rental Removed $1,950 MRED
• 2024-07-02 Listed for Rent $1,950 MRED
• 2021-07-15 Sold (MLS) $59,100 MRED as Distributed by MLS Grid
• 2021-07-14 Pending — MRED as Distributed by MLS Grid
• 2021-06-17 Pending — MRED as Distributed by MLS Grid
• 2021-06-10 Relisted — MRED as Distributed by MLS Grid
• 2021-05-24 Pending — MRED as Distributed by MLS Grid
• 2021-05-20 Listed $75,000 MRED as Distributed by MLS Grid
• 2016-06-10 Sold (Public Records) $58,000 Public Records
• 2014-08-29 Sold (MLS) $24,900 MRED as Distributed by MLS Grid
• 2014-08-01 Pending — MRED as Distributed by MLS Grid
• 2014-07-23 Contingent — MRED as Distributed by MLS Grid
• 2014-07-12 Price Changed $24,900 MRED as Distributed by MLS Grid
• 2014-07-02 Relisted — MRED as Distributed by MLS Grid
• 2014-06-26 Contingent — MRED as Distributed by MLS Grid
• 2014-05-23 Listed $29,900 MRED as Distributed by MLS Grid
• 1987-06-23 Sold (Public Records) $45,000 Public Records

Property tax history

+4.3%/yr

Latest (2023): $5,259 · -11.5% YoY. Source: county tax records.