14436 S Stewart Ave · Riverdale, IL 60827

$152,000

3 bd · 1.5 ba · 1,337 sqft · SingleFamily public records · 80 Days on market

Built 1941 Est $179k · 15% 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 +26.5/30.0
• ARV discount +14.3/15.0
• DSCR +9.0/10.0
• 1% rule +7.8/10.0
• Rent growth +4.5/5.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

Key facts

• Built 1941
• Listed 80 days

Property features AI

Finance

• HOA & community: No master association fee required

Exterior

• Utilities: Water service from Lake Michigan; Public sewer
• Home design: Detached single-family home; 2-story residence; Fee simple ownership; Built before 1978
• Construction: Brick construction
• Exterior features: Lot dimensions approximately 75 x 90 x 61 x 22; Lot smaller than 0.25 acre

Interior

• Kitchen: Kitchen (16 x 9)
• Bedrooms: 3 bedrooms total; Master bedroom on second level (with full bath); Two additional bedrooms on main level
• Bathrooms: 2 full bathrooms
• Interior features: Unfinished full basement; 5 total rooms
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $152k.

Deal economics

• At list price, monthly cash flow is $401 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $152k).
• Recommended offer: $143k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#434 in IL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A-; Watch: health & safety C-, schools F, crime 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 (+7.8%/yr); 76 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• At $1,940/mo this rent would consume 63% of the median local household income ($37k/yr) (locally 1868% 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 + 7.8% rent growth), your $43k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 80 days — a 6% lower offer ($143k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 12y ago; this cycle's ask has dropped $16k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $46k; list at $152k implies a 230% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $142,880 (6.0% below list)

Questions for the listing agent

1. It's been on market 80 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1941 — 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: 9.46%
• Cash-on-cash: 11.31%
• DSCR: 1.50
• GRM: 6.5

CMA / ARV

• ARV (on-the-fly): $179,158
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14410 S Union Ave	0.37mi	3/2.0	1,294 (-3%)	4mo	$179,000	$138	72
308 W 145th Pl	0.16mi	3/1.5	1,488 (+11%)	3mo	$91,000	$61	72
14636 Clark St	0.46mi	3/1.0	1,394 (+4%)	3mo	$105,000	$75	67
14817 S Wentworth Ave	0.54mi	3/2.0	1,270 (-5%)	3mo	$180,000	$142	62
14233 S Union Ave	0.42mi	4/2.0 (+1)	1,262 (-6%)	4mo	$194,000	$154	61
14135 S La Salle St	0.52mi	3/1.5	1,210 (-10%)	1mo	$60,000	$50	60
14102 S Clark St	0.61mi	3/1.0	1,272 (-5%)	3mo	$90,000	$71	59
14828 Wabash Ave	0.75mi	3/1.0	1,296 (-3%)	1mo	$112,000	$86	58
14525 S Michigan Ave	0.68mi	3/1.0	1,200 (-10%)	2mo	$190,000	$158	48
14521 S Michigan Ave	0.68mi	3/2.0	1,497 (+12%)	5mo	$200,000	$134	42
14727 Riverside Dr	0.75mi	4/2.0 (+1)	1,200 (-10%)	3mo	$212,000	$177	38
14633 Wabash Ave	0.65mi	3/7.0	1,150 (-14%)	1mo	$95,000	$83	26

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 · 7.82% rent growth · sell at horizon

5-year hold

• IRR: 6.2%
• Equity multiple: 1.25×
• Total profit: $10,852
• Equity at exit: $22,664

10-year hold

• IRR: 19.7%
• Equity multiple: 3.05×
• Total profit: $87,385
• Equity at exit: $13,142

Cash invested: $42,560 (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 60827

• Home prices YoY: -31.8%
• Rents YoY: 7.8%
• Active inventory: 76
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,940 high
• Mortgage (P&I): −$797
• Tax from tax record: −$271 /mo · $3,253/yr
• Insurance: −$63
• HOA: −$0
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $401

Break-even live

Break-even rent $1,432

Max offer price $152,000

Occupancy floor 74%

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: $38,000
• Closing costs: $4,560
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14844 Wabash Ave Dolton, IL	3.0	1.5	1277	$2,320	$1.82	24d	1	0.76mi
13708 S Wentworth Ave Riverdale, IL	3.0	1.5	1500	$2,200	$1.47	22d	1	0.98mi
14124 Manor Ave Dolton, IL	3.0	2.0	1440	$2,390	$1.66	24d	1	0.99mi
13604 S Wentworth Ave Riverdale, IL	3.0	1.0	1100	$1,200	$1.09	24d	1	1.10mi
13841 Forest Ave Dolton, IL	3.0	1.0	930	$1,895	$2.04	24d	1	1.33mi

Listing history 30 events

1. 2026-06-18
   price $152,000 Active 80 DOM
2. 2026-06-18
   days on market $160,000 Active 80 DOM
3. 2026-06-17
   days on market $160,000 Active 79 DOM
4. 2026-06-16
   days on market $160,000 Active 78 DOM
5. 2026-06-15
   days on market $160,000 Active 77 DOM
6. 2026-06-13
   days on market $160,000 Active 75 DOM
7. 2026-06-13
   days on market $160,000 Active 74 DOM
8. 2026-06-09
   days on market $160,000 Active 71 DOM
9. 2026-06-08
   days on market $160,000 Active 70 DOM
10. 2026-06-07
    days on market $160,000 Active 69 DOM
11. 2026-06-04
    days on market $160,000 Active 66 DOM
12. 2026-06-03
    days on market $160,000 Active 65 DOM
13. 2026-06-02
    days on market $160,000 Active 64 DOM
14. 2026-06-01
    days on market $160,000 Active 63 DOM
15. 2026-05-31
    days on market $160,000 Active 62 DOM
16. 2026-05-21
    price $160,000
17. 2026-03-30
    listed $168,000 Active
18. 2025-04-30
    soldstatus $46,000
19. 2025-04-28
    soldstatus $46,000 Closed 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

20. 2025-04-14
    status Pending 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

21. 2025-03-28
    status Active 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

22. 2025-02-16
    historical Contingent - Continue to Show 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

23. 2025-02-10
    price $50,000 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

24. 2025-01-29
    status Active 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

25. 2025-01-21
    historical Contingent - Continue to Show 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

26. 2025-01-02
    listed $60,000 Active 471-char remark

    Show marketing remark (471 chars)

    INVESTOR'S SPECIAL....All Brick Cape Cod, offering 3 bedrooms and 2 full bathrooms. Located in the Ivanhoe area, just 1 block from Metra station. Park and Field House across the street. Property being sold "as is". The property had a fire in October of 2024. The upstairs has fire damage and the first floor just water and smoke damage. Hold Harmless Agreement must be executed BEFORE any showings, document in the MLS. Please call Listing Agent with questions.

27. 2014-06-12
    soldstatus $55,000
28. 2014-06-04
    soldstatus $55,000 Closed Sale 419-char remark

    Show marketing remark (419 chars)

    Charming All Brick Cape Cod located in Desirable Ivanhoe area,1 block to Metra, across the street from park/field house, restored to its original beauty, gorgeous hardwood floors, solid wood doors, high baseboards, fireplace, archways, plaster walls, new carpet, freshly painted. Furnace, A/C and Electric new in 2005, hot water heater 2006, clean dry basement with new overhead sewer 2013, fenced yard w patio and shed

29. 2014-04-23
    historical Contingent 419-char remark

    Show marketing remark (419 chars)

    Charming All Brick Cape Cod located in Desirable Ivanhoe area,1 block to Metra, across the street from park/field house, restored to its original beauty, gorgeous hardwood floors, solid wood doors, high baseboards, fireplace, archways, plaster walls, new carpet, freshly painted. Furnace, A/C and Electric new in 2005, hot water heater 2006, clean dry basement with new overhead sewer 2013, fenced yard w patio and shed

30. 2014-04-09
    listed $59,900 New 419-char remark

    Show marketing remark (419 chars)

    Charming All Brick Cape Cod located in Desirable Ivanhoe area,1 block to Metra, across the street from park/field house, restored to its original beauty, gorgeous hardwood floors, solid wood doors, high baseboards, fireplace, archways, plaster walls, new carpet, freshly painted. Furnace, A/C and Electric new in 2005, hot water heater 2006, clean dry basement with new overhead sewer 2013, fenced yard w patio and shed

ⓘ 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: $3,253 · $271/mo
• Projected year-2 tax: $3,352 · $279/mo
• Expected delta: +$99/yr (+$8/mo · 3.0%)

ⓘ 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: $23,278
• − Mortgage interest: −$8,514
• − Property taxes: −$3,253
• − Insurance: −$760
• − Repairs & maintenance: −$1,862
• − Management: −$1,862
• − Depreciation: −$4,422
• Taxable income: $2,605
• Est. tax owed @ 24.0%: −$625
• After-tax cash flow: $4,187/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 — Riverdale

• Score: 69/100
• State rank: #434
• US rank: #8867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Riverdale, IL
• County: Cook County · 4,486,803 people
• City population: 24,713
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 24,713
• Household income: $37,217
• Rent vs Own: 59.8% rent · 40.2% own
• Severe rent burden: 1868.0

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 (88%)
• Race & ethnicity: Black 88% Two or more races 5% Hispanic / Latino 5% White 2%
• Common ancestry: Iranian 1%
• Foreign-born: 2% · Canada
• Languages at home: 96% English-only · Spanish 3%

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: ▼ -76.39%
• Current HPI: 163.7725
• Rent YoY: ▲ 7.82%
• 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

+167.1% since first listed

15 events — show timeline

• 2026-05-21 Price Changed $160,000 MRED as Distributed by MLS Grid
• 2026-03-30 Listed $168,000 MRED as Distributed by MLS Grid
• 2025-04-30 Sold (Public Records) $46,000 Public Records
• 2025-04-28 Sold (MLS) $46,000 MRED as Distributed by MLS Grid
• 2025-04-14 Pending — MRED as Distributed by MLS Grid
• 2025-03-28 Relisted — MRED as Distributed by MLS Grid
• 2025-02-16 Contingent — MRED as Distributed by MLS Grid
• 2025-02-10 Price Changed $50,000 MRED as Distributed by MLS Grid
• 2025-01-29 Relisted — MRED as Distributed by MLS Grid
• 2025-01-21 Contingent — MRED as Distributed by MLS Grid
• 2025-01-02 Listed $60,000 MRED as Distributed by MLS Grid
• 2014-06-12 Sold (Public Records) $55,000 Public Records
• 2014-06-04 Sold (MLS) $55,000 MRED as Distributed by MLS Grid
• 2014-04-23 Contingent — MRED as Distributed by MLS Grid
• 2014-04-09 Listed $59,900 MRED as Distributed by MLS Grid

Property tax history

+1.0%/yr

Latest (2023): $3,253 · +35.3% YoY. Source: county tax records.