9137 Rucker Rd · Trenton, MI 48138

$300,000

4 bd · 1.5 ba · 1,807 sqft · SingleFamily public records · 12 Days on market

Built 1975 0.53 ac lot $166/sqft · 22% below area Est $386k · 22% under

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Why this score? — see what drove the D 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).

• ARV discount +15.0/15.0
• Cash flow +8.9/30.0
• Schools +5.2/10.0
• Livability +4.4/5.0
• DSCR +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

Key facts

• 0.53 acre lot
• 2 garage spots
• Built 1975

What this means for you Summary

Snapshot

• This is a 4-bed/1.5-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $-241 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $257k (14.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $202k (32.8% below list).
• Recommended offer: $202k (32.8% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 3.9% in Trenton — 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 88/100 on livability (#15 in MI, #250 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+.
• Grosse Ile Township Schools (suburban): math 50% / reading 64% proficiency, ranked #38 of 540 in MI (top 7%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 8% free/reduced lunch — higher-income household profile.
• Zoned schools: Grosse Ile Middle School (math 41% / reading 62%, grade C, #102 of 493 statewide, top 21%, 407 students, 11% FRL); Grosse Ile High School (math 52% / reading 77%, grade B-, #46 of 713 statewide, top 7%, 524 students, 10% FRL) — zoned schools at 11% FRL track the district average.
• Market conditions: 74 active listings in the ZIP; 2,639 units permitted in Wayne County in 2024 (1,216 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 10 sale attempts since 22y 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.
• Current owner paid $240k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $201,625 (32.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
6. 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.
7. 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.
8. 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: 0.67% ✗
• Cap rate: 5.33%
• Cash-on-cash: -3.45%
• DSCR: 0.85
• GRM: 12.4

CMA / ARV

• ARV (median comp): $386,485
• List price: $300,000
• Delta: -22.38%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9137 Rucker Rd	0.00mi	4/2.5	1,807 (0%)	1mo	$304,000	$168	95
27853 Johnson Rd	0.67mi	3/2.0 (-1)	1,750 (-3%)	6mo	$450,000	$257	52
8589 Lake Rd	0.29mi	4/2.0	1,633 (-10%)	22mo	$239,000	$146	51
27627 Elba Dr	0.69mi	3/2.5 (-1)	1,718 (-5%)	4mo	$640,000	$373	48
27908 Elba Dr	0.71mi	4/2.0	1,628 (-10%)	14mo	$400,000	$246	37
27780 Johnson Rd	0.70mi	4/3.0	1,611 (-11%)	13mo	$335,000	$208	32

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: -22.1%
• Equity multiple: 0.24×
• Total profit: $-64,089
• Equity at exit: $44,731

10-year hold

• IRR: -16.2%
• Equity multiple: 0.09×
• Total profit: $-76,059
• Equity at exit: $25,939

Cash invested: $84,000 (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.

Methodology + full state rankings →

ZIP-level market 48138

• Home prices YoY: -34.8%
• Active inventory: 74
• Price-to-rent: 12.4×

Monthly cashflow live

• Estimated rent: $2,016 medium
• Mortgage (P&I): −$1,573
• Tax from tax record: −$136 /mo · $1,629/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$423
• Net cashflow: $-241

Break-even live

Break-even rent $2,322

Max offer price $257,398

Occupancy floor —

Sensitivity live

Price	-10% $-71	-5% $-156	+0% $-241	+5% $-326	+10% $-411
Rent	-10% $-400	-5% $-321	+0% $-241	+5% $-162	+10% $-82
Rate	-1.0pp $-90	-0.5pp $-165	base $-241	+0.5pp $-319	+1.0pp $-398

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-05-08
   status Pending 502-char remark

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

2. 2026-05-08
   status Pending 502-char remark

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

3. 2026-05-08
   status Pending

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

4. 2026-05-01
   price $300,000 502-char remark

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

5. 2026-04-30
   status Active 502-char remark

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

6. 2026-04-30
   price $300,000 502-char remark

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

7. 2026-04-30
   status Active 502-char remark

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

8. 2026-04-30
   status Active

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

9. 2026-04-30
   price $300,000

   Show marketing remark (502 chars)

   Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

10. 2026-04-14
    status Pending 502-char remark

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

11. 2026-04-14
    status Pending 502-char remark

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

12. 2026-04-14
    status Pending

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

13. 2026-04-10
    listed $299,900 Active 502-char remark

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

14. 2026-04-10
    listed $299,900 Active

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

15. 2026-04-10
    listed $299,900 Active 502-char remark

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

16. 2026-04-08
    historical $299,900 502-char remark

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

17. 2026-04-08
    historical $299,900

    Show marketing remark (502 chars)

    Instant equity in this spacious Colonial on over 1/2 acre of land with large wooded fenced yard. Updated Eat-In kitchen opens to family room with fireplace and door-wall to deck. Formal dining room opens to large living room. Four big bedrooms upstairs including a primary bedroom with its own full bath. Partially finished basement with laundry and work area. All appliances stay including washer and dryer. Electrical wiring for hot tub next to deck. Large attached 2 car garage and shed for storage.

18. 2005-06-24
    soldstatus $240,000
19. 2005-05-18
    soldstatus $240,000
20. 2005-05-18
    soldstatus $240,000
21. 2005-05-12
    historical
22. 2005-04-05
    historical
23. 2005-02-02
    listed $249,000
24. 2005-02-02
    listed $249,000
25. 2004-11-12
    listed $269,000
26. 2004-11-12
    listed $269,000
27. 1996-01-12
    soldstatus $171,000
28. 1992-11-09
    soldstatus $153,000

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

Tax reassessment forecast MI · Partial reset (capped growth)

• Current annual tax: $1,629 · $136/mo
• Projected year-2 tax: $3,125 · $260/mo
• Expected delta: +$1,495/yr (+$125/mo · 91.8%)

ⓘ 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 ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,195
• − Mortgage interest: −$16,805
• − Property taxes: −$1,629
• − Insurance: −$1,500
• − Repairs & maintenance: −$1,936
• − Management: −$1,936
• − Depreciation: −$8,727
• Taxable loss: −$8,337
• Est. tax savings @ 24.0%: +$2,001
• After-tax cash flow: $-893/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: Grosse Ile Township Schools
• NCES district ID: 2617220
• Math proficiency: 50% ▼ -11.00%
• Reading proficiency: 64% ▼ -5.00%
• Median HH income: $89,099
• Composite: 52.27/100
• National rank: #1597
• State rank: #38 of 540 in MI

Livability — Trenton

• Score: 88/100
• State rank: #15
• US rank: #250

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 10,603

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 1,675,273 people
• By 2030: 1,620,300 · -3.3%
• By 2040: 1,502,341 · -10.3%
• By 2050: 1,384,039 · -17.4%
• By 2075: 1,124,592 · -32.9%
• By 2100: 881,193 · -47.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 5% Hispanic / Latino 4% Asian 2% Black 1%
• Common ancestry: Romanian 15% Lithuanian 4% Slovak 4%
• Foreign-born: 5% · Canada
• Languages at home: 92% English-only · Other Indo-European 3% Russian/Polish/Slavic 1% Other Asian/Pacific 1%

Political lean MEDSL · Wayne

• 2024 margin: Strong D (+29.0) · D 62.7% · R 33.7% · Other 3.6%
• 2008→2024 swing: -20.5pp toward R · 2008: 49.5pp · 2024: 29.0pp
• All cycles: 2024: D+29.0 2020: D+38.1 2016: D+37.3 2012: D+46.9 2008: D+49.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -108.87%
• Current HPI: 204.4348
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+96.1% since first listed

28 events — show timeline

• 2026-05-08 Pending — REALCOMP
• 2026-05-08 Pending — MiRealSource-MiMLS
• 2026-05-08 Pending — SW Michigan MLS
• 2026-05-01 Price Changed $300,000 MiRealSource-MiMLS
• 2026-04-30 Relisted — REALCOMP
• 2026-04-30 Price Changed $300,000 REALCOMP
• 2026-04-30 Relisted — MiRealSource-MiMLS
• 2026-04-30 Relisted — SW Michigan MLS
• 2026-04-30 Price Changed $300,000 SW Michigan MLS
• 2026-04-14 Pending — REALCOMP
• 2026-04-14 Pending — MiRealSource-MiMLS
• 2026-04-14 Pending — SW Michigan MLS
• 2026-04-10 Listed $299,900 REALCOMP
• 2026-04-10 Listed $299,900 SW Michigan MLS
• 2026-04-10 Listed $299,900 MiRealSource-MiMLS
• 2026-04-08 Coming Soon $299,900 MiRealSource-MiMLS
• 2026-04-08 Coming Soon $299,900 SW Michigan MLS
• 2005-06-24 Sold (Public Records) $240,000 Public Records
• 2005-05-18 Sold (MLS) $240,000 MiRealSource-MiMLS
• 2005-05-18 Sold (MLS) $240,000 REALCOMP
• 2005-05-12 Listing Removed — MiRealSource-MiMLS
• 2005-04-05 Listing Removed — MiRealSource-MiMLS
• 2005-02-02 Listed $249,000 MiRealSource-MiMLS
• 2005-02-02 Listed $249,000 REALCOMP
• 2004-11-12 Listed $269,000 REALCOMP
• 2004-11-12 Listed $269,000 MiRealSource-MiMLS
• 1996-01-12 Sold (Public Records) $171,000 Public Records
• 1992-11-09 Sold (Public Records) $153,000 Public Records

Property tax history

-7.2%/yr

Latest (2025): $1,629 · -63.6% YoY. Source: county tax records.