1800 E Saint Jude Ct · Peoria Heights, IL 61616

$154,900

2 bd · 1.5 ba · 1,468 sqft · SingleFamily public records · 92 Days on market

Built 1967 8,704 sqft lot $106/sqft · 8% above area Est $227k · 32% 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 +25.2/30.0
• ARV discount +15.0/15.0
• DSCR +8.3/10.0
• 1% rule +7.6/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this well-maintained 3-bedroom, 1.5-bath ranch located on a quiet, low-traffic dead-end street. With over 1,700 square feet on the main floor, this home offers a comfortable and functional layout with plenty of space to spread out. The spacious 20×15 living room features a cozy fireplace and built-in shelving, creating a warm and inviting atmosphere. In addition to the living room, the home also offers a separate family room, providing flexible space for relaxing, entertaining, or everyday living. The main floor also includes a kitchen, dining room, three bedrooms, and 1.5 bathrooms, with the half bath conveniently located in the primary bedroom. A three-season room provides a great place to enjoy morning coffee, unwind in the evening, or take in views of the backyard. The partially finished basement adds approximately 800 square feet of additional living space and includes a large family room or rec room, a laundry area with a shower, and plenty of storage space. Additional features include an attached one-stall garage with pull-down stairs leading to the attic for extra storage. Several important updates have already been completed, including a new furnace and central air in 2022, roof in 2017, water heater in 2018, dishwasher in 2023, and garbage disposal in 2022.

Key facts

• Large family room
• Three-season room
• Cozy fireplace

Tags

• COZY FIREPLACE
• BUILT-IN SHELVING
• SEPARATE FAMILY ROOM
• THREE-SEASON ROOM
• PARTIALLY FINISHED BASEMENT
• LARGE FAMILY ROOM

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $155k.

Deal economics

• At list price, monthly cash flow is $347 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $155k).
• Recommended offer: $141k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#886 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A-, health & safety B+; Watch: schools F, crime F, amenities F.
• Peoria Heights CUSD 325 (suburban): math 8% / reading 15% proficiency, ranked #560 of 620 in IL (top 90%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 32 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 73 units permitted in Peoria County in 2024 (0 in 5+ unit buildings).
• This rent runs 39% of the median local income ($60k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Peoria County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 92 days — a 9% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $25k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $72k; list at $155k implies a 115% gain — meaningful room to come down on a strong offer.

Recommended offer $140,959 (9.0% below list)

Questions for the listing agent

1. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1967 — 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: 1.26% ✓
• Cap rate: 8.98%
• Cash-on-cash: 9.59%
• DSCR: 1.43
• GRM: 6.6

CMA / ARV

• ARV (median comp): $227,494
• List price: $154,900
• Delta: -31.91%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1807 E Saint Jude Ct	0.04mi	3/1.5 (+1)	1,468 (0%)	2mo	$159,900	$109	92
5816 N Cord Ct	0.25mi	3/3.0 (+1)	1,466 (-0%)	12mo	$171,000	$117	67
1724 Terrace View Ln	0.11mi	3/1.5 (+1)	1,342 (-9%)	22mo	$149,000	$111	57

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -1.8%
• Equity multiple: 0.93×
• Total profit: $-2,912
• Equity at exit: $23,096

10-year hold

• IRR: 8.0%
• Equity multiple: 1.61×
• Total profit: $26,333
• Equity at exit: $13,393

Cash invested: $43,372 (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 61616

• Home prices YoY: -31.0%
• Active inventory: 32
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,954 medium
• Mortgage (P&I): −$812
• Tax from tax record: −$320 /mo · $3,841/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$410
• Net cashflow: $347

Break-even live

Break-even rent $1,515

Max offer price $154,900

Occupancy floor 77%

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: $38,725
• Closing costs: $4,647
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4722 N Galena Rd Peoria Heights, IL	2.0	1.0	1700	$2,200	$1.29	13d	1	0.84mi
5106 N Glen Elm Dr Peoria Heights, IL	2.0	1.0	1008	$2,400	$2.38	13d	1	1.06mi
905 E Marietta Ave Unit A Peoria Heights, IL	2.0	2.0	1200	$1,600	$1.33	13d	1	1.09mi
5200 Knoxville Ave Unit 5200 Peoria, IL	2.0	2.0	1600	$1,650	$1.03	13d	1	1.40mi

Listing history 22 events

1. 2026-06-19
   days on market $154,900 Active 92 DOM
2. 2026-06-18
   days on market $154,900 Active 91 DOM
3. 2026-06-17
   days on market $154,900 Active 90 DOM
4. 2026-06-16
   days on market $154,900 Active 89 DOM
5. 2026-06-15
   days on market $154,900 Active 88 DOM
6. 2026-06-14
   days on market $154,900 Active 86 DOM
7. 2026-06-13
   pricedays on market $154,900 Active 85 DOM
8. 2026-06-10
   days on market $164,900 Active 83 DOM
9. 2026-06-09
   days on market $164,900 Active 82 DOM
10. 2026-06-08
    days on market $164,900 Active 81 DOM
11. 2026-06-07
    days on market $164,900 Active 80 DOM
12. 2026-06-05
    days on market $164,900 Active 77 DOM
13. 2026-06-02
    days on market $164,900 Active 75 DOM
14. 2026-06-01
    days on market $164,900 Active 74 DOM
15. 2026-05-31
    days on market $164,900 Active 73 DOM
16. 2026-05-30
    days on market $164,900 Active 72 DOM
17. 2026-04-20
    price $164,900 1309-char remark

    Show marketing remark (1309 chars)

    Welcome home to this well-maintained 3-bedroom, 1.5-bath ranch located on a quiet, low-traffic dead-end street. With over 1,700 square feet on the main floor, this home offers a comfortable and functional layout with plenty of space to spread out. The spacious 20×15 living room features a cozy fireplace and built-in shelving, creating a warm and inviting atmosphere. In addition to the living room, the home also offers a separate family room, providing flexible space for relaxing, entertaining, or everyday living. The main floor also includes a kitchen, dining room, three bedrooms, and 1.5 bathrooms, with the half bath conveniently located in the primary bedroom. A three-season room provides a great place to enjoy morning coffee, unwind in the evening, or take in views of the backyard. The partially finished basement adds approximately 800 square feet of additional living space and includes a large family room or rec room, a laundry area with a shower, and plenty of storage space. Additional features include an attached one-stall garage with pull-down stairs leading to the attic for extra storage. Several important updates have already been completed, including a new furnace and central air in 2022, roof in 2017, water heater in 2018, dishwasher in 2023, and garbage disposal in 2022.

18. 2026-03-23
    status Active 1309-char remark

    Show marketing remark (1309 chars)

    Welcome home to this well-maintained 3-bedroom, 1.5-bath ranch located on a quiet, low-traffic dead-end street. With over 1,700 square feet on the main floor, this home offers a comfortable and functional layout with plenty of space to spread out. The spacious 20×15 living room features a cozy fireplace and built-in shelving, creating a warm and inviting atmosphere. In addition to the living room, the home also offers a separate family room, providing flexible space for relaxing, entertaining, or everyday living. The main floor also includes a kitchen, dining room, three bedrooms, and 1.5 bathrooms, with the half bath conveniently located in the primary bedroom. A three-season room provides a great place to enjoy morning coffee, unwind in the evening, or take in views of the backyard. The partially finished basement adds approximately 800 square feet of additional living space and includes a large family room or rec room, a laundry area with a shower, and plenty of storage space. Additional features include an attached one-stall garage with pull-down stairs leading to the attic for extra storage. Several important updates have already been completed, including a new furnace and central air in 2022, roof in 2017, water heater in 2018, dishwasher in 2023, and garbage disposal in 2022.

19. 2026-03-20
    status Pending 1309-char remark

    Show marketing remark (1309 chars)

    Welcome home to this well-maintained 3-bedroom, 1.5-bath ranch located on a quiet, low-traffic dead-end street. With over 1,700 square feet on the main floor, this home offers a comfortable and functional layout with plenty of space to spread out. The spacious 20×15 living room features a cozy fireplace and built-in shelving, creating a warm and inviting atmosphere. In addition to the living room, the home also offers a separate family room, providing flexible space for relaxing, entertaining, or everyday living. The main floor also includes a kitchen, dining room, three bedrooms, and 1.5 bathrooms, with the half bath conveniently located in the primary bedroom. A three-season room provides a great place to enjoy morning coffee, unwind in the evening, or take in views of the backyard. The partially finished basement adds approximately 800 square feet of additional living space and includes a large family room or rec room, a laundry area with a shower, and plenty of storage space. Additional features include an attached one-stall garage with pull-down stairs leading to the attic for extra storage. Several important updates have already been completed, including a new furnace and central air in 2022, roof in 2017, water heater in 2018, dishwasher in 2023, and garbage disposal in 2022.

20. 2026-03-16
    listed $179,900 Active 1309-char remark

    Show marketing remark (1309 chars)

    Welcome home to this well-maintained 3-bedroom, 1.5-bath ranch located on a quiet, low-traffic dead-end street. With over 1,700 square feet on the main floor, this home offers a comfortable and functional layout with plenty of space to spread out. The spacious 20×15 living room features a cozy fireplace and built-in shelving, creating a warm and inviting atmosphere. In addition to the living room, the home also offers a separate family room, providing flexible space for relaxing, entertaining, or everyday living. The main floor also includes a kitchen, dining room, three bedrooms, and 1.5 bathrooms, with the half bath conveniently located in the primary bedroom. A three-season room provides a great place to enjoy morning coffee, unwind in the evening, or take in views of the backyard. The partially finished basement adds approximately 800 square feet of additional living space and includes a large family room or rec room, a laundry area with a shower, and plenty of storage space. Additional features include an attached one-stall garage with pull-down stairs leading to the attic for extra storage. Several important updates have already been completed, including a new furnace and central air in 2022, roof in 2017, water heater in 2018, dishwasher in 2023, and garbage disposal in 2022.

21. 2017-07-11
    soldstatus $72,000 551-char remark

    Show marketing remark (551 chars)

    Affordable 2-3 bedroom ranch offers lots of fresh paint and new carpet. Fireplaced living room features built-in bookshelves. Stepsaver kitchen with skylight open to family/dining room. Huge master bedroom can be converted back into 2 bedrooms. Bedroom 2 en-suite with half bath was original master bedroom. Large lower level rec room. Extra shower in utility room. Fully applianced! Tile floors in both bathrooms. 3 season sunroom overlooks back yard. Attached garage has pull down stairs to attic. Taxes reflect senior freeze. Home to be sold as-is.

22. 2016-09-13
    listed $79,900 551-char remark

    Show marketing remark (551 chars)

    Affordable 2-3 bedroom ranch offers lots of fresh paint and new carpet. Fireplaced living room features built-in bookshelves. Stepsaver kitchen with skylight open to family/dining room. Huge master bedroom can be converted back into 2 bedrooms. Bedroom 2 en-suite with half bath was original master bedroom. Large lower level rec room. Extra shower in utility room. Fully applianced! Tile floors in both bathrooms. 3 season sunroom overlooks back yard. Attached garage has pull down stairs to attic. Taxes reflect senior freeze. Home to be sold as-is.

ⓘ 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: $3,841 · $320/mo
• Projected year-2 tax: $3,841 · $320/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 · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥104°F today · 18 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,447
• − Mortgage interest: −$8,677
• − Property taxes: −$3,841
• − Insurance: −$774
• − Repairs & maintenance: −$1,876
• − Management: −$1,876
• − Depreciation: −$4,506
• Taxable income: $1,897
• Est. tax owed @ 24.0%: −$455
• After-tax cash flow: $3,705/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: Peoria Heights CUSD 325
• NCES district ID: 1731270
• Math proficiency: 8% ▼ -3.00%
• Reading proficiency: 15% ▼ -6.00%
• Median HH income: $44,878
• Composite: 10.35/100
• National rank: #9788
• State rank: #560 of 620 in IL

Livability — Peoria Heights

• Score: 62/100
• State rank: #886
• US rank: #17272

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Peoria Heights, IL
• County: Peoria County · 120,495 people
• City population: 5,825
• Metro: Peoria, IL
• Population (ZIP): 5,825
• Household income: $60,099
• Rent vs Own: 33.6% rent · 66.4% own
• Severe rent burden: 82.0

Population outlook (Peoria County) Hauer SSP2

• Today (2025): 183,007 people
• By 2030: 179,643 · -1.8%
• By 2040: 171,782 · -6.1%
• By 2050: 163,508 · -10.7%
• By 2075: 140,178 · -23.4%
• By 2100: 114,493 · -37.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Black 4% Two or more races 4% Hispanic / Latino 3% Asian 3%
• Common ancestry: Iranian 5% Italian 2% Slovak 2%
• Foreign-born: 5% · Canada, South Korea
• Languages at home: 93% English-only · Chinese 2% Spanish 2% Other Indo-European 2%

Political lean MEDSL · Peoria

• 2024 margin: Toss-up / Even · D 51.5% · R 46.9% · Other 1.6%
• 2008→2024 swing: -9.2pp toward R · 2008: 13.9pp · 2024: 4.7pp
• All cycles: 2024: D+4.7 2020: D+6.3 2016: D+2.8 2012: D+4.4 2008: D+13.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -78.59%
• Current HPI: 175.1102
• Rent YoY: —
• Metro: Peoria, IL
• 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

+106.4% since first listed

6 events — show timeline

• 2026-04-20 Price Changed $164,900 RMLSA as Distributed by MLS Grid
• 2026-03-23 Relisted — RMLSA as Distributed by MLS Grid
• 2026-03-20 Pending — RMLSA as Distributed by MLS Grid
• 2026-03-16 Listed $179,900 RMLSA as Distributed by MLS Grid
• 2017-07-11 Sold (MLS) $72,000 RMLSA as Distributed by MLS Grid
• 2016-09-13 Listed $79,900 RMLSA as Distributed by MLS Grid

Property tax history

+13.4%/yr

Latest (2024): $3,841 · +5.2% YoY. Source: county tax records.