713 E 144th St · Dolton, IL 60419

$100,000

2 bd · 2.0 ba · 880 sqft · SingleFamily public records · 72 Days on market

Built 1925 3,750 sqft lot Est $117k · 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 +30.0/30.0
• ARV discount +14.1/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• 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

Nice starter home, new kitchen cabinets, refinished hardwood floors, 2 bedrooms and 1 bath. 2.5 car garage. come see this great opportunity. with little love this house could be your beautiful home, selling "as - is" condition.

Key facts

• New kitchen cabinets
• 3,750 sq ft lot
• 2 garage spots

Tags

• NEW KITCHEN CABINETS
• REFINISHED HARDWOOD FLOORS
• FULL UNFINISHED BASEMENT

Property features AI

Finance

• Other: Not currently leased; Possession at closing, immediate or negotiable
• HOA & community: No master association fee required

Exterior

• Parking: Detached garage (2 garage spaces, 2 total parking spaces); Owned garage
• Utilities: Lake Michigan water source; Public sewer; Electric with circuit breakers
• Home design: Detached single-family home; One story; Fee simple ownership
• Construction: Aluminum siding; Asphalt roof; Concrete perimeter foundation; Property is over 100 years old; Built before 1978
• Exterior features: Less than 0.25 acre lot; School bus, commuter bus and commuter train access nearby; Interstate access

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Master bedroom on main level (10 x 11); Second bedroom on main level (10 x 10); Additional labeled bedrooms present
• Flooring: Hardwood
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Hardwood flooring throughout main living areas; Unfinished full basement
• Laundry & utility: Laundry in basement; Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $459 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Recommended offer: $94k (6.0% below list) — sets the bar for market timing.
• Cap rate 11.8% vs local median 9.3% in Dolton — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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-, crime D-.
• 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.
• Zoned schools: Thornridge High School (math 8% / reading 8%, grade F, #589 of 693 statewide, top 86%, 1,057 students, 0% FRL).
• Market conditions: Rents rising fast (+9.7%/yr); 130 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• This rent runs 38% 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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($94k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago; this cycle's ask has dropped $30k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $85k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: property tax is 4.9% of price; built in 1925 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $94,000 (6.0% below list)

Questions for the listing agent

1. It's been on market 72 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 1925 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 1.82% ✓
• Cap rate: 11.80%
• Cash-on-cash: 19.67%
• DSCR: 1.88
• GRM: 4.6

CMA / ARV

• ARV (on-the-fly): $117,040
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14647 Irving Ave	0.36mi	3/2.0 (+1)	889 (+1%)	2mo	$138,000	$155	75
14255 Greenwood Rd	0.19mi	3/1.0 (+1)	840 (-4%)	6mo	$49,000	$58	70
506 E 144th Pl	0.28mi	3/1.0 (+1)	912 (+4%)	4mo	$130,000	$143	69
531 Engle St	0.28mi	2/1.0	910 (+3%)	12mo	$125,000	$137	67
14840 Langley Ave	0.63mi	2/1.0	936 (+6%)	2mo	$37,000	$40	54
13910 Kanawha Ave	0.67mi	3/1.0 (+1)	900 (+2%)	7mo	$52,500	$58	50
14925 Oak St	0.68mi	2/1.0	936 (+6%)	8mo	$145,000	$155	47
14819 Irving Ave	0.55mi	3/1.0 (+1)	980 (+11%)	4mo	$130,000	$133	43
14915 Irving Ave	0.67mi	2/1.0	980 (+11%)	4mo	$68,000	$69	43
14835 Evans Ave	0.65mi	2/1.0	975 (+11%)	6mo	$139,900	$143	42
14841 Langley Ave	0.63mi	2/1.0	975 (+11%)	7mo	$120,000	$123	42
14811 Champlain Ave	0.55mi	2/1.0	1,000 (+14%)	12mo	$95,000	$95	38

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: 18.7%
• Equity multiple: 1.82×
• Total profit: $22,835
• Equity at exit: $14,910

10-year hold

• IRR: 31.0%
• Equity multiple: 4.65×
• Total profit: $102,071
• Equity at exit: $8,646

Cash invested: $28,000 (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: 4.6×

Monthly cashflow live

• Estimated rent: $1,818 high
• Mortgage (P&I): −$524
• Tax from tax record: −$411 /mo · $4,933/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$382
• Net cashflow: $459

Break-even live

Break-even rent $1,237

Max offer price $100,000

Occupancy floor 70%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14305 Irving Ave Unit 2 Dolton, IL	3.0	1.0	1100	$2,200	$2.00	24d	1	0.15mi
14500 Cottage Grove Ave Unit 3 Dolton, IL	2.0	1.0	1000	$1,475	$1.48	24d	1	0.31mi
14502 Cottage Grove Ave Unit 1S Dolton, IL	1.0	1.0	900	$1,425	$1.58	7d	1	0.31mi
14817 Champlain Ave Dolton, IL	2.0	1.0	980	$2,430	$2.48	22d	1	0.54mi
13841 Forest Ave Dolton, IL	3.0	1.0	930	$1,895	$2.04	24d	1	0.79mi
15238 Doctor Martin Luther King Junior Dr Unit 2W Dolton, IL	2.0	1.0	800	$1,500	$1.88	10d	1	1.08mi
15324 Doctor Martin Luther King Junior Dr Unit 1B Dolton, IL	1.0	1.0	725	$985	$1.36	18d	1	1.17mi
14610 Blackstone Ave Dolton, IL	3.0	1.0	1017	$2,400	$2.36	6d	1	1.21mi
13905 S Clark St Riverdale, IL	1.0	1.0	685	$1,210	$1.77	7d	6	1.22mi
14738 Blackstone Ave Dolton, IL	3.0	1.0	1017	$2,400	$2.36	10d	1	1.26mi
14101 S Atlantic Ave Riverdale, IL	2.0	1.0	790	$1,140	$1.44	7d	1	1.30mi
14132 S Atlantic Ave Riverdale, IL	1.0	1.0	900	$1,150	$1.28	24d	1	1.31mi
13810 S La Salle St #1 Riverdale, IL	3.0	1.0	800	$1,550	$1.94	2d	1	1.37mi
14031 S School St Riverdale, IL	1.0	1.0	620	$1,045	$1.69	3d	1	1.37mi
14119 S Tracy Ave Riverdale, IL	2.0	1.0	696	$1,205	$1.73	3d	1	1.41mi

Listing history 23 events

1. 2026-06-04
   status $100,000 Pending 72 DOM
2. 2026-06-03
   days on market $100,000 Contingent - Continue to Show 72 DOM
3. 2026-06-02
   days on market $100,000 Contingent - Continue to Show 71 DOM
4. 2026-06-01
   days on market $100,000 Contingent - Continue to Show 70 DOM
5. 2026-05-31
   days on market $100,000 Contingent - Continue to Show 69 DOM
6. 2026-05-22
   historical Contingent - Continue to Show
7. 2026-05-01
   price $100,000
8. 2026-04-07
   price $109,900
9. 2026-03-31
   price $119,900
10. 2026-03-23
    listed $129,900 Active
11. 2026-03-17
    historical $2,000
12. 2026-01-24
    listed $2,000
13. 2022-04-14
    soldstatus $85,000
14. 2022-04-01
    soldstatus $85,000 Closed 238-char remark

    Show marketing remark (238 chars)

    Nice starter home, new kitchen cabinets, refinished hardwood floors, 2 bedrooms and 1 bath. 2.5 car garage. come see this great opportunity. with little love this house could be your beautiful home, selling "as - is" condition.

15. 2022-03-08
    historical Contingent - No Showings 238-char remark

    Show marketing remark (238 chars)

    Nice starter home, new kitchen cabinets, refinished hardwood floors, 2 bedrooms and 1 bath. 2.5 car garage. come see this great opportunity. with little love this house could be your beautiful home, selling "as - is" condition.

16. 2022-02-23
    status Active 238-char remark

    Show marketing remark (238 chars)

    Nice starter home, new kitchen cabinets, refinished hardwood floors, 2 bedrooms and 1 bath. 2.5 car garage. come see this great opportunity. with little love this house could be your beautiful home, selling "as - is" condition.

17. 2022-02-15
    historical Contingent - No Showings 238-char remark

    Show marketing remark (238 chars)

    Nice starter home, new kitchen cabinets, refinished hardwood floors, 2 bedrooms and 1 bath. 2.5 car garage. come see this great opportunity. with little love this house could be your beautiful home, selling "as - is" condition.

18. 2022-02-03
    listed $84,900 Active 238-char remark

    Show marketing remark (238 chars)

    Nice starter home, new kitchen cabinets, refinished hardwood floors, 2 bedrooms and 1 bath. 2.5 car garage. come see this great opportunity. with little love this house could be your beautiful home, selling "as - is" condition.

19. 2021-10-31
    listed Active
20. 2018-06-12
    soldstatus $35,000 Closed Sale
21. 2018-04-25
    historical Contingent
22. 2018-04-12
    listed $35,000 New
23. 1995-10-25
    soldstatus $52,500

ⓘ 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: $4,933 · $411/mo
• Projected year-2 tax: $4,933 · $411/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: $21,813
• − Mortgage interest: −$5,602
• − Property taxes: −$4,933
• − Insurance: −$500
• − Repairs & maintenance: −$1,745
• − Management: −$1,745
• − Depreciation: −$2,909
• Taxable income: $4,380
• Est. tax owed @ 24.0%: −$1,051
• After-tax cash flow: $4,456/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

+90.5% since first listed

18 events — show timeline

• 2026-05-22 Contingent — MRED as Distributed by MLS Grid
• 2026-05-01 Price Changed $100,000 MRED as Distributed by MLS Grid
• 2026-04-07 Price Changed $109,900 MRED as Distributed by MLS Grid
• 2026-03-31 Price Changed $119,900 MRED as Distributed by MLS Grid
• 2026-03-23 Listed $129,900 MRED as Distributed by MLS Grid
• 2026-03-17 Rental Removed $2,000 MRED
• 2026-01-24 Listed for Rent $2,000 MRED
• 2022-04-14 Sold (Public Records) $85,000 Public Records
• 2022-04-01 Sold (MLS) $85,000 MRED as Distributed by MLS Grid
• 2022-03-08 Contingent — MRED as Distributed by MLS Grid
• 2022-02-23 Relisted — MRED as Distributed by MLS Grid
• 2022-02-15 Contingent — MRED as Distributed by MLS Grid
• 2022-02-03 Listed $84,900 MRED as Distributed by MLS Grid
• 2021-10-31 Listed — MRED as Distributed by MLS Grid
• 2018-06-12 Sold (MLS) $35,000 MRED as Distributed by MLS Grid
• 2018-04-25 Contingent — MRED as Distributed by MLS Grid
• 2018-04-12 Listed $35,000 MRED as Distributed by MLS Grid
• 1995-10-25 Sold (Public Records) $52,500 Public Records

Property tax history

+5.2%/yr

Latest (2023): $4,933 · +1192.9% YoY. Source: county tax records.