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20175 Finley St
B- Composite 69.56
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 +26.8/30.0
  • ARV discount +15.0/15.0
  • DSCR +9.2/10.0
  • 1% rule +7.7/10.0
  • Rent growth +3.6/5.0
  • Livability +3.6/5.0
  • Condition / age +2.5/5.0
  • Schools +1.2/10.0
  • Appreciation +0.0/10.0

$134,900

20175 Finley St · Roseville, MI 48035
4 bd · 1.0 ba · 1,138 sqft · SingleFamily public records · 16 Days on market
Built 1937 0.32 ac lot $119/sqft · 31% below area Est $194k · 31% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to this delightful bungalow nestled in the heart of Clinton Township. Upon entry, you are greeted by a bright and inviting living room featuring abundant natural light and a tasteful neutral décor. The well-appointed eat-in kitchen offers ample space for dining and has been thoughtfully updated with a brand-new stove and dishwasher, providing both style and functionality. A door wall leads directly to the expansive backyard, complete with a wood deck and patio ideal for outdoor entertaining or quiet relaxation. The main level includes a comfortably sized bedroom, a full bathroom, and a convenient laundry area with direct exterior access. The upper level hosts a spacious primary bedroom along with two additional bedrooms, each showcasing charming built-in features and warm, distinctive finishes. The exterior of the home boasts a generously sized, tree-lined yard offering privacy and plenty of room for recreation. A 1.5-car detached garage provides additional storage and utility. This property is situated within the Clintondale School District, this property enjoys a prime location with close proximity to shopping, dining, and major amenities. This well-maintained home presents an excellent opportunity!! Schedule your private showing today.

Key facts

  • Wood deck
  • Eat-in kitchen
  • Expansive backyard

Tags

EAT-IN KITCHENBRAND-NEW STOVEBRAND-NEW DISHWASHEREXPANSIVE BACKYARDWOOD DECKPATIO

Property features AI

Exterior

  • Parking: Detached garage (1.5 spaces)
  • Utilities: Public water; Public sewer
  • Home design: Single family residence; One and one-half stories; Ground-level entry with steps; Aluminum siding and other exterior materials; Asphalt roof; Property sits on approximately 0.32-acre lot (100 x 139)
  • Construction: Aluminum siding; Asphalt roof; Crawl space foundation
  • Exterior features: Deck; Patio; Porch; Exterior lighting; Paved road access

Interior

  • Kitchen: Gas water heater
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Forced air heating (natural gas); No central cooling
  • Interior features: High speed internet; Crawl space basement

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/1.0-bath single-family listed at $135k.

Deal economics

  • At list price, monthly cash flow is $368 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $135k).
  • Recommended offer: $133k (1.5% below list) — sets the bar for market timing.
  • Cap rate 9.6% vs local median 5.9% in Roseville — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 72/100 on livability (#258 in MI) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety D+, employment D, crime F.
  • Clintondale Community Schools (suburban): math 7% / reading 20% proficiency, ranked #506 of 540 in MI (top 94%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Rainbow Elementary School (math 12% / reading 22%, grade F, #1,149 of 1,397 statewide, top 84%, 249 students, 82% FRL); Clintondale Middle School (math 7% / reading 20%, grade F, #462 of 493 statewide, top 94%, 349 students, 87% FRL); Clintondale High School (math 2% / reading 27%, grade F, #640 of 713 statewide, top 91%, 383 students, 81% FRL).
  • Market conditions: Rents rising fast (+4.2%/yr); 180 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,321 units permitted in Macomb County in 2024 (86 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $933 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Macomb County population projected at +9% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 4.2% rent growth), your $38k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 16 days — a 2% lower offer ($133k) is reasonable based on typical stale-listing flexibility.
  • 19 sale attempts since 19y 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.

Risks & watch-outs

  • Watch-outs: built in 1937 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $132,876 (1.5% below list)

Questions for the listing agent

  1. Built in 1937 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  5. 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.
  6. 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.
  7. 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
1.27%
Cap rate
9.57%
Cash-on-cash
11.70%
DSCR
1.52
GRM
6.5

CMA / ARV

ARV (median comp)
$194,218
List price
$134,900
Delta
-30.54%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
20175 Finley St 0.00mi 4/1.0 1,138 (0%) 0mo $140,000 $123 100
34138 Beaconsfield St 0.26mi 3/1.0 (-1) 1,152 (+1%) 4mo $215,000 $187 78
20541 Finley St 0.22mi 3/1.0 (-1) 1,036 (-9%) 2mo $115,567 $112 68
20555 14 Mile Rd 0.49mi 3/1.0 (-1) 1,176 (+3%) 6mo $189,000 $161 61
34353 Chope Pl 0.42mi 3/1.0 (-1) 1,240 (+9%) 2mo $210,000 $169 58
19877 Woodward St 0.39mi 3/1.0 (-1) 1,260 (+11%) 1mo $190,000 $151 58
19793 Electra St St 0.29mi 3/1.0 (-1) 1,023 (-10%) 8mo $212,000 $207 58
34606 Beaconsfield St 0.44mi 3/2.0 (-1) 1,184 (+4%) 7mo $225,000 $190 58
20714 Colman St 0.30mi 3/1.5 (-1) 1,288 (+13%) 2mo $241,000 $187 55
20781 15 Mile Rd 0.68mi 3/1.5 (-1) 1,224 (+8%) 4mo $159,000 $130 45
35403 Seville St 0.74mi 3/2.0 (-1) 1,230 (+8%) 1mo $235,000 $191 42
33961 Louise Ave 0.57mi 3/1.0 (-1) 1,301 (+14%) 4mo $63,000 $48 41

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 · 4.25% rent growth · sell at horizon

5-year hold
IRR
2.6%
Equity multiple
1.10×
Total profit
$3,850
Equity at exit
$20,114
10-year hold
IRR
13.4%
Equity multiple
2.14×
Total profit
$43,016
Equity at exit
$11,664

Cash invested: $37,772 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
62 Landlord-Friendly
State Michigan
62 Landlord-Friendly · EVEN
County
— inherits STATE
City
— inherits STATE
7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

ZIP-level market 48035

Home prices YoY
-29.1%
Rents YoY
4.2%
Active inventory
180
Price-to-rent
6.5×

Monthly cashflow live

Estimated rent
$1,718 medium interval (Pro) →
Mortgage (P&I)
$707
Tax from tax record
$225 /mo · $2,698/yr
Insurance
$56
HOA
$0
Vacancy / Maint / Mgmt
$361
Net cashflow
$368

Break-even live

Break-even rent $1,251
Max offer price $134,900
Occupancy floor 74%

Sensitivity live

Price -10% $445 -5% $407 +0% $368 +5% $330 +10% $292
Rent -10% $233 -5% $301 +0% $368 +5% $436 +10% $504
Rate -1.0pp $436 -0.5pp $403 base $368 +0.5pp $333 +1.0pp $298

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
$33,725
Closing costs
$4,047
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
20235 Abrahm St Clinton Twp, MI 3.0 1.5 978 $1,600 $1.64 0d 1 0.50mi

Listing history 50 events

  1. 2026-05-11
    status Pending 1273-char remark
    Show marketing remark (1273 chars)

    Welcome to this delightful bungalow nestled in the heart of Clinton Township. Upon entry, you are greeted by a bright and inviting living room featuring abundant natural light and a tasteful neutral décor. The well-appointed eat-in kitchen offers ample space for dining and has been thoughtfully updated with a brand-new stove and dishwasher, providing both style and functionality. A door wall leads directly to the expansive backyard, complete with a wood deck and patio ideal for outdoor entertaining or quiet relaxation. The main level includes a comfortably sized bedroom, a full bathroom, and a convenient laundry area with direct exterior access. The upper level hosts a spacious primary bedroom along with two additional bedrooms, each showcasing charming built-in features and warm, distinctive finishes. The exterior of the home boasts a generously sized, tree-lined yard offering privacy and plenty of room for recreation. A 1.5-car detached garage provides additional storage and utility. This property is situated within the Clintondale School District, this property enjoys a prime location with close proximity to shopping, dining, and major amenities. This well-maintained home presents an excellent opportunity!! Schedule your private showing today.

  2. 2026-05-11
    status Pending 1273-char remark
    Show marketing remark (1273 chars)

    Welcome to this delightful bungalow nestled in the heart of Clinton Township. Upon entry, you are greeted by a bright and inviting living room featuring abundant natural light and a tasteful neutral décor. The well-appointed eat-in kitchen offers ample space for dining and has been thoughtfully updated with a brand-new stove and dishwasher, providing both style and functionality. A door wall leads directly to the expansive backyard, complete with a wood deck and patio ideal for outdoor entertaining or quiet relaxation. The main level includes a comfortably sized bedroom, a full bathroom, and a convenient laundry area with direct exterior access. The upper level hosts a spacious primary bedroom along with two additional bedrooms, each showcasing charming built-in features and warm, distinctive finishes. The exterior of the home boasts a generously sized, tree-lined yard offering privacy and plenty of room for recreation. A 1.5-car detached garage provides additional storage and utility. This property is situated within the Clintondale School District, this property enjoys a prime location with close proximity to shopping, dining, and major amenities. This well-maintained home presents an excellent opportunity!! Schedule your private showing today.

  3. 2026-04-24
    listed $134,900 Active 1273-char remark
    Show marketing remark (1273 chars)

    Welcome to this delightful bungalow nestled in the heart of Clinton Township. Upon entry, you are greeted by a bright and inviting living room featuring abundant natural light and a tasteful neutral décor. The well-appointed eat-in kitchen offers ample space for dining and has been thoughtfully updated with a brand-new stove and dishwasher, providing both style and functionality. A door wall leads directly to the expansive backyard, complete with a wood deck and patio ideal for outdoor entertaining or quiet relaxation. The main level includes a comfortably sized bedroom, a full bathroom, and a convenient laundry area with direct exterior access. The upper level hosts a spacious primary bedroom along with two additional bedrooms, each showcasing charming built-in features and warm, distinctive finishes. The exterior of the home boasts a generously sized, tree-lined yard offering privacy and plenty of room for recreation. A 1.5-car detached garage provides additional storage and utility. This property is situated within the Clintondale School District, this property enjoys a prime location with close proximity to shopping, dining, and major amenities. This well-maintained home presents an excellent opportunity!! Schedule your private showing today.

  4. 2026-04-24
    listed $134,900 Active 1273-char remark
    Show marketing remark (1273 chars)

    Welcome to this delightful bungalow nestled in the heart of Clinton Township. Upon entry, you are greeted by a bright and inviting living room featuring abundant natural light and a tasteful neutral décor. The well-appointed eat-in kitchen offers ample space for dining and has been thoughtfully updated with a brand-new stove and dishwasher, providing both style and functionality. A door wall leads directly to the expansive backyard, complete with a wood deck and patio ideal for outdoor entertaining or quiet relaxation. The main level includes a comfortably sized bedroom, a full bathroom, and a convenient laundry area with direct exterior access. The upper level hosts a spacious primary bedroom along with two additional bedrooms, each showcasing charming built-in features and warm, distinctive finishes. The exterior of the home boasts a generously sized, tree-lined yard offering privacy and plenty of room for recreation. A 1.5-car detached garage provides additional storage and utility. This property is situated within the Clintondale School District, this property enjoys a prime location with close proximity to shopping, dining, and major amenities. This well-maintained home presents an excellent opportunity!! Schedule your private showing today.

  5. 2021-04-29
    soldstatus $121,000
  6. 2021-03-30
    soldstatus $121,000 Sold
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  7. 2021-03-30
    soldstatus $121,000 Closed
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  8. 2021-02-08
    status Pending
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  9. 2021-02-08
    status Pending
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  10. 2021-02-04
    listed $115,000 Active
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  11. 2021-02-04
    listed $115,000 Active
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  12. 2021-02-01
    historical $115,000
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  13. 2021-02-01
    historical $115,000
    Show marketing remark (963 chars)

    Welcome home to this lovely Clinton Township bungalow! Step inside to the quaint and cozy living room w/ lots natural light and neutral color palette. Continue into the spacious eat-in kitchen with modern touches and brand new stove & dishwasher. Access the patio through a door wall to the large backyard and wood deck! A nice size bedroom, full bath and laundry with another access point to the backyard, complete the 1st floor. Upstairs you'll find the lovely master bedroom and 2 additional bedrooms w/ rich color tones and cute built ins. Outside, you'll find the perfect yard just waiting for summer recreation and evening bonfires. The tree lined yard provides ample privacy and the 1.5 car garage is perfect for additional storage. The location is super convenient and close to all major services including grocery, retail, restaurants and more! Within the Clintondale School District, this home is a MUST see!! Schedule your private showing today.

  14. 2016-05-27
    soldstatus $57,000
  15. 2016-05-06
    soldstatus $57,000 Sold
  16. 2016-05-06
    soldstatus $57,000 Closed
  17. 2016-03-28
    status Pending
  18. 2016-03-28
    historical
  19. 2016-03-13
    listed $59,900 Active
  20. 2016-03-13
    listed $59,900
  21. 2015-12-03
    historical
  22. 2015-12-02
    historical
  23. 2015-12-02
    historical
  24. 2015-12-02
    historical
  25. 2015-10-11
    price $69,000
  26. 2015-10-10
    price $69,000
  27. 2015-09-12
    price $74,500
  28. 2015-09-11
    price $74,500
  29. 2015-07-22
    price $79,000
  30. 2015-07-22
    price $79,000
  31. 2015-06-02
    listed $85,000 Active
  32. 2015-06-02
    listed $69,000
  33. 2015-06-01
    listed $85,000 Active
  34. 2015-06-01
    listed $69,000
  35. 2014-07-16
    historical
  36. 2014-07-16
    historical
  37. 2014-07-16
    historical
  38. 2014-05-20
    listed $57,400
  39. 2014-05-20
    listed $57,400
  40. 2014-05-20
    listed $57,400
  41. 2014-05-20
    historical
  42. 2014-05-19
    historical
  43. 2014-05-19
    historical
  44. 2014-02-11
    listed $57,400
  45. 2014-02-11
    listed $57,400
  46. 2014-02-02
    historical
  47. 2014-02-02
    historical
  48. 2013-08-04
    listed $57,400
  49. 2013-08-04
    listed $64,500
  50. 2013-08-04
    listed $64,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

Current annual tax
$2,698 · $225/mo
Projected year-2 tax
$2,698 · $225/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 ≥96°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$20,610
− Mortgage interest
−$7,556
− Property taxes
−$2,698
− Insurance
−$674
− Repairs & maintenance
−$1,649
− Management
−$1,649
− Depreciation
−$3,924
Taxable income
$2,459
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$590
After-tax cash flow
$3,830/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
Clintondale Community Schools
NCES district ID
2610080
Math proficiency
7% ▼ -6.00%
Reading proficiency
20% ▼ -5.00%
Median HH income
$43,253
Composite
11.83/100
National rank
#9675
State rank
#506 of 540 in MI

Livability — Roseville

Score
72/100
State rank
#258
US rank
#6400

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Macomb County · 638,552 people
City population
47,123
Metro
Detroit-Warren-Dearborn, MI
Population (ZIP)
33,569
Household income
$73,015
Rent vs Own
33.0% rent · 67.0% own
Severe rent burden
978.0

Population outlook (Macomb County) Hauer SSP2

Today (2025)
925,296 people
By 2030
948,226 · +2.5%
By 2040
983,961 · +6.3%
By 2050
1,010,200 · +9.2%
By 2075
1,076,222 · +16.3%
By 2100
1,077,065 · +16.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (68%)
Race & ethnicity
White 68% Black 21% Two or more races 6% Hispanic / Latino 4% Asian 2%
Common ancestry
Romanian 14% Lithuanian 5% Slovak 2%
Foreign-born
6% · Canada
Languages at home
93% English-only · Spanish 2% Other Indo-European 1% Arabic 1%

Political lean MEDSL · Macomb

2024 margin
R (+13.7) · D 42.2% · R 55.9% · Other 1.9%
2008→2024 swing
-22.3pp toward R · 2008: 8.6pp · 2024: -13.7pp
All cycles
2024: R+13.7 2020: R+8.1 2016: R+11.6 2012: D+4.0 2008: D+8.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -148.36%
Current HPI
362.1471
Rent YoY
▲ 4.25%
Metro
Detroit-Warren-Dearborn, MI
State GDP YoY
▲ 1.37%
F500 in state
28

Industry mix (Fortune 500 HQ in MI)

Industry F500 HQs Revenue

Price history

+268.4% since first listed
56 events — show timeline
  • 2026-06-17 Sold (MLS) $140,000 MiRealSource-MiMLS
  • 2026-06-17 Sold (MLS) $140,000 REALCOMP
  • 2026-05-11 Pending MiRealSource-MiMLS
  • 2026-05-11 Pending REALCOMP
  • 2026-04-24 Listed $134,900 MiRealSource-MiMLS
  • 2026-04-24 Listed $134,900 REALCOMP
  • 2021-04-29 Sold (Public Records) $121,000 Public Records
  • 2021-03-30 Sold (MLS) $121,000 MiRealSource-MiMLS
  • 2021-03-30 Sold (MLS) $121,000 REALCOMP
  • 2021-02-08 Pending MiRealSource-MiMLS
  • 2021-02-08 Pending REALCOMP
  • 2021-02-04 Listed $115,000 MiRealSource-MiMLS
  • 2021-02-04 Listed $115,000 REALCOMP
  • 2021-02-01 Coming Soon $115,000 MiRealSource-MiMLS
  • 2021-02-01 Coming Soon $115,000 REALCOMP
  • 2016-05-27 Sold (Public Records) $57,000 Public Records
  • 2016-05-06 Sold (MLS) $57,000 MiRealSource-MiMLS
  • 2016-05-06 Sold (MLS) $57,000 REALCOMP
  • 2016-03-28 Pending MiRealSource-MiMLS
  • 2016-03-28 Listing Removed REALCOMP
  • 2016-03-13 Listed $59,900 MiRealSource-MiMLS
  • 2016-03-13 Listed $59,900 REALCOMP
  • 2015-12-03 Listing Removed REALCOMP
  • 2015-12-02 Listing Removed REALCOMP
  • 2015-12-02 Listing Removed MiRealSource-MiMLS
  • 2015-12-02 Listing Removed MiRealSource-MiMLS
  • 2015-10-11 Price Changed $69,000 MiRealSource-MiMLS
  • 2015-10-10 Price Changed $69,000 REALCOMP
  • 2015-09-12 Price Changed $74,500 MiRealSource-MiMLS
  • 2015-09-11 Price Changed $74,500 REALCOMP
  • 2015-07-22 Price Changed $79,000 MiRealSource-MiMLS
  • 2015-07-22 Price Changed $79,000 REALCOMP
  • 2015-06-02 Listed $85,000 REALCOMP
  • 2015-06-02 Listed $69,000 MiRealSource-MiMLS
  • 2015-06-01 Listed $85,000 MiRealSource-MiMLS
  • 2015-06-01 Listed $69,000 REALCOMP
  • 2014-07-16 Listing Removed MiRealSource-MiMLS
  • 2014-07-16 Listing Removed MiRealSource-MiMLS
  • 2014-07-16 Listing Removed REALCOMP
  • 2014-05-20 Listing Removed MiRealSource-MiMLS
  • 2014-05-20 Listed $57,400 MiRealSource-MiMLS
  • 2014-05-20 Listed $57,400 MiRealSource-MiMLS
  • 2014-05-20 Listed $57,400 REALCOMP
  • 2014-05-19 Listing Removed REALCOMP
  • 2014-05-19 Listing Removed MiRealSource-MiMLS
  • 2014-02-11 Listed $57,400 REALCOMP
  • 2014-02-11 Listed $57,400 MiRealSource-MiMLS
  • 2014-02-02 Listing Removed REALCOMP
  • 2014-02-02 Listing Removed MiRealSource-MiMLS
  • 2013-08-04 Listed $64,500 REALCOMP
  • 2013-08-04 Listed $64,500 MiRealSource-MiMLS
  • 2013-08-04 Listed $57,400 MiRealSource-MiMLS
  • 2007-10-01 Listing Removed REALCOMP
  • 2007-08-13 Listed $67,700 REALCOMP
  • 1996-07-09 Sold (Public Records) $86,000 Public Records
  • 1989-08-17 Sold (Public Records) $38,000 Public Records

Property tax history

+2.3%/yr

Latest (2025): $2,698 · +6.6% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…