3956 N 75th St · Milwaukee, WI 53216

$114,900

2 bd · 1.0 ba · 848 sqft · SingleFamily public records · 39 Days on market

Built 1947 7,405 sqft lot Est $181k · 37% under

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Why this score? — see what drove the C+ 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 +19.1/30.0
• ARV discount +15.0/15.0
• DSCR +6.0/10.0
• Appreciation +5.7/10.0
• 1% rule +5.6/10.0
• Rent growth +4.3/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks MLS

2 bedroom brick ranch located in the Dineen Park neighborhood. Comes with an attached garage! Large Living Room, eat-in kitchen, and beautiful 3 season room. Split bedroom layout with 2 spacious bedrooms. Updates include newer roof, furnace, and A/C. Tenants pay $850 per month and responsible for all utilities.

Key facts

• Functional kitchen
• Private backyard
• Open layout

Tags

• OPEN LAYOUT
• FUNCTIONAL KITCHEN
• PRIVATE BACKYARD
• WELL-ESTABLISHED NEIGHBORHOOD

Property features AI

Exterior

• Parking: Attached 1-car garage; 1 additional parking space
• Utilities: Municipal water; Municipal sewer
• Home design: Single-family, 1-story home
• Construction: Information source: Assessor/Public Record
• Exterior features: Brick and brick/stone exterior; Lot less than 1/2 acre (approx. 0.17 acre); Zoned residential

Interior

• Kitchen: Range; Refrigerator; Kitchen on main level (approx. 10 x 7)
• Bedrooms: Master bedroom on main level (approx. 11 x 12); Second bedroom on main level (approx. 12 x 11)
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Natural gas heat
• Interior features: Full basement; Living room (main level) approximately 12 x 22
• Laundry & utility: Forced air heating (natural gas)

🏷️ Possibly a rental listed for sale. The $114,900 price doesn't fit this home's estimated sale value (~$181,472) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $121 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $111k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 5.1% in Milwaukee — 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 81/100 on livability (#55 in WI, #1,534 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, schools F, crime F.
• Milwaukee School District (urban): math 10% / reading 18% proficiency, ranked #337 of 342 in WI (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+7.0%/yr); 126 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 1,017 units permitted in Milwaukee County in 2024 (803 in 5+ unit buildings).
• This rent runs 31% of the median local income ($47k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $2k of equity ($794 loan paydown + $2k appreciation (1.3% local appreciation)).
• Milwaukee County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (1.3% appreciation + 7.0% rent growth), your $32k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($111k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 12y 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 1947 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $111,453 (3.0% below list)

Questions for the listing agent

1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1947 — 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 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?
5. 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?
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: 1.06% ✓
• Cap rate: 7.56%
• Cash-on-cash: 4.51%
• DSCR: 1.20
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $181,472
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3931 N 70th St	0.31mi	2/1.0	768 (-9%)	2mo	$178,000	$232	68
3609 N 77th St	0.42mi	3/1.0 (+1)	864 (+2%)	11mo	$185,000	$214	63
3326 N 78th St	0.70mi	3/1.0 (+1)	845 (-0%)	14mo	$181,920	$215	51
4160 N 69th St	0.47mi	3/1.0 (+1)	974 (+15%)	0mo	$195,000	$200	48
7300 W Potomac Ave	0.26mi	2/1.0	720 (-15%)	23mo	$145,000	$201	43
4244 N 83rd St	0.63mi	3/1.5 (+1)	974 (+15%)	6mo	$199,900	$205	33
3538 N 82nd St	0.61mi	2/1.5	939 (+11%)	22mo	$230,000	$245	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.33% appreciation · 7.01% rent growth · sell at horizon

5-year hold

• IRR: 9.8%
• Equity multiple: 1.52×
• Total profit: $16,889
• Equity at exit: $41,201

10-year hold

• IRR: 16.0%
• Equity multiple: 3.23×
• Total profit: $71,585
• Equity at exit: $56,313

Cash invested: $32,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 53216

• Home prices YoY: 0.3%
• Rents YoY: 7.0%
• Active inventory: 126
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $1,222 high
• Mortgage (P&I): −$603
• Tax from tax record: −$194 /mo · $2,327/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$257
• Net cashflow: $121

Break-even live

Break-even rent $1,069

Max offer price $114,900

Occupancy floor 85%

Sensitivity live

Price	-10% $186	-5% $153	+0% $121	+5% $88	+10% $56
Rent	-10% $24	-5% $73	+0% $121	+5% $169	+10% $218
Rate	-1.0pp $179	-0.5pp $150	base $121	+0.5pp $91	+1.0pp $61

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: $28,725
• Closing costs: $3,447
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4060 N 73rd St Apt 2 Milwaukee, WI	1.0	1.0	650	$850	$1.31	18d	1	0.23mi
6960 W Appleton Ave Apt 4 Milwaukee, WI	2.0	1.0	750	$1,100	$1.47	44d	1	0.49mi
4153 N 68th St Milwaukee, WI	3.0	1.0	1025	$1,700	$1.66	44d	1	0.52mi
4052 N 85th St Milwaukee, WI	3.0	1.0	1113	$1,500	$1.35	5d	1	0.65mi
4141 N 84th St Unit 4141 Milwaukee, WI	2.0	1.0	950	$1,300	$1.37	44d	1	0.65mi
4278 N 84th St Unit 1 Milwaukee, WI	2.0	1.0	750	$995	$1.33	24d	1	0.69mi
8043 W Appleton Ave Milwaukee, WI	2.0	1.0	900	$1,200	$1.33	15d	1	0.91mi
9016 N 90th St Unit 9002 202 Milwaukee, WI	3.0	1.5	1100	$1,599	$1.45	15d	1	1.05mi
9016 N 90th St Unit 8856 202 Milwaukee, WI	3.0	1.5	1100	$1,799	$1.64	44d	1	1.05mi
9016 N 90th St Unit 8858 204 Milwaukee, WI	2.0	1.0	975	$1,299	$1.33	5d	1	1.05mi
9016 N 90th St Unit 5004 204 Milwaukee, WI	2.0	1.0	975	$1,199	$1.23	17d	1	1.05mi
9016 N 90th St Unit 8873 103 Milwaukee, WI	2.0	1.5	950	$1,399	$1.47	5d	1	1.05mi
9016 N 90th St Unit 9012 202 Milwaukee, WI	3.0	1.5	1100	$1,699	$1.54	17d	1	1.05mi
9016 N 90th St Unit 8854 202 Milwaukee, WI	3.0	1.5	1100	$1,599	$1.45	17d	1	1.05mi
9016 N 90th St Unit 8854 103 Milwaukee, WI	2.0	1.5	950	$1,299	$1.37	24d	1	1.05mi
9016 N 90th St Unit 9002 104 Milwaukee, WI	1.0	1.0	815	$1,099	$1.35	17d	1	1.05mi
9016 N 90th St Unit 8875 101 Milwaukee, WI	1.0	1.0	815	$999	$1.23	15d	1	1.05mi
4315 N 90th St Unit 4 Milwaukee, WI	2.0	1.0	750	$995	$1.33	13d	1	1.08mi
4175 N 91st St Milwaukee, WI	2.0	1.0	855	$1,099	$1.29	44d	1	1.09mi
7701 W Hampton Ave Unit 6 Milwaukee, WI	2.0	1.0	816	$1,250	$1.53	44d	1	1.09mi
4272 N 91st St #4274 Milwaukee, WI	3.0	1.5	1100	$1,495	$1.36	44d	1	1.09mi
4309 N 91st St Unit Upper Milwaukee, WI	3.0	1.0	1100	$1,395	$1.27	44d	1	1.14mi
4843 N 72nd St Milwaukee, WI	3.0	1.0	1014	$1,485	$1.46	44d	1	1.19mi
6518 W Hampton Ave Unit 2 Milwaukee, WI	2.0	1.0	1100	$1,200	$1.09	44d	1	1.29mi
6319 W Girard Ave Milwaukee, WI	2.0	1.0	1100	$1,375	$1.25	44d	1	1.36mi
5137 W Keefe Ave Unit 5137 Milwaukee, WI	2.0	1.0	1000	$1,550	$1.55	3d	1	1.46mi
7348 W Medford Ave Unit 7348A Milwaukee, WI	2.0	1.0	1095	$950	$0.87	24d	1	1.49mi
7608 Eagle St Unit 3 Wauwatosa, WI	1.0	1.0	675	$949	$1.41	2d	1	1.50mi
7608 Eagle St Wauwatosa, WI	1.0	1.0	675	$949	$1.41	13d	1	1.50mi

Listing history 28 events

1. 2026-06-18
   days on market $114,900 Active 39 DOM
2. 2026-06-17
   days on market $114,900 Active 38 DOM
3. 2026-06-16
   days on market $114,900 Active 37 DOM
4. 2026-06-15
   days on market $114,900 Active 36 DOM
5. 2026-06-13
   days on market $114,900 Active 34 DOM
6. 2026-06-13
   pricedays on market $114,900 Active 33 DOM
7. 2026-06-09
   days on market $121,900 Active 30 DOM
8. 2026-06-08
   days on market $121,900 Active 29 DOM
9. 2026-06-07
   pricedays on market $121,900 Active 28 DOM
10. 2026-06-05
    days on market $124,900 Active 25 DOM
11. 2026-06-03
    days on market $124,900 Active 24 DOM
12. 2026-06-02
    days on market $124,900 Active 23 DOM
13. 2026-06-01
    days on market $124,900 Active 22 DOM
14. 2026-05-31
    days on market $124,900 Active 21 DOM
15. 2026-05-23
    price $134,900
16. 2026-05-23
    status Active
17. 2026-03-26
    status Pending
18. 2026-03-20
    historical
19. 2026-03-17
    price $144,900
20. 2026-03-13
    listed $114,900 Active
21. 2020-01-17
    soldstatus $300,000
22. 2019-12-31
    soldstatus $50,000 Sold 312-char remark

    Show marketing remark (312 chars)

    2 bedroom brick ranch located in the Dineen Park neighborhood. Comes with an attached garage! Large Living Room, eat-in kitchen, and beautiful 3 season room. Split bedroom layout with 2 spacious bedrooms. Updates include newer roof, furnace, and A/C. Tenants pay $850 per month and responsible for all utilities.

23. 2019-10-14
    listed $69,900 Active 312-char remark

    Show marketing remark (312 chars)

    2 bedroom brick ranch located in the Dineen Park neighborhood. Comes with an attached garage! Large Living Room, eat-in kitchen, and beautiful 3 season room. Split bedroom layout with 2 spacious bedrooms. Updates include newer roof, furnace, and A/C. Tenants pay $850 per month and responsible for all utilities.

24. 2014-03-04
    listed $39,900 240-char remark

    Show marketing remark (240 chars)

    Fantastic 2BR brick ranch with an attached garage! Large Living Room, eat-in Kitchen, and beautiful 3 season room. Split bedroom layout with 2 spacious bedrooms. Updates include newer roof, furnace, and A/C. Not a short sale or foreclosure!

25. 2014-03-04
    historical 240-char remark

    Show marketing remark (240 chars)

    Fantastic 2BR brick ranch with an attached garage! Large Living Room, eat-in Kitchen, and beautiful 3 season room. Split bedroom layout with 2 spacious bedrooms. Updates include newer roof, furnace, and A/C. Not a short sale or foreclosure!

26. 2012-11-07
    soldstatus $37,500
27. 2012-09-26
    soldstatus $37,500 240-char remark

    Show marketing remark (240 chars)

    Fantastic 2BR brick ranch with an attached garage! Large Living Room, eat-in Kitchen, and beautiful 3 season room. Split bedroom layout with 2 spacious bedrooms. Updates include newer roof, furnace, and A/C. Not a short sale or foreclosure!

28. 1986-05-01
    soldstatus $45,000

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

Tax reassessment forecast WI · Partial reset (capped growth)

• Current annual tax: $2,327 · $194/mo
• Projected year-2 tax: $2,327 · $194/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 6/10 Major FEMA zone X (unshaded) · 68% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥100°F today · 13 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: $14,663
• − Mortgage interest: −$6,436
• − Property taxes: −$2,327
• − Insurance: −$574
• − Repairs & maintenance: −$1,173
• − Management: −$1,173
• − Depreciation: −$3,343
• Taxable loss: −$363
• Est. tax savings @ 24.0%: +$87
• After-tax cash flow: $1,539/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: Milwaukee School District
• NCES district ID: 5509600
• Math proficiency: 10% ▼ -5.00%
• Reading proficiency: 18% ▬ 0.00%
• Median HH income: $36,339
• Composite: 11.61/100
• National rank: #9696
• State rank: #337 of 342 in WI

Livability — Milwaukee

• Score: 81/100
• State rank: #55
• US rank: #1534

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Milwaukee, WI
• County: Milwaukee County · 926,379 people
• City population: 573,768
• Metro: Milwaukee-Waukesha, WI
• Population (ZIP): 30,345
• Household income: $46,752
• Rent vs Own: 52.7% rent · 47.3% own
• Severe rent burden: 2202.0

Population outlook (Milwaukee County) Hauer SSP2

• Today (2025): 995,758 people
• By 2030: 1,009,124 · +1.3%
• By 2040: 1,028,128 · +3.3%
• By 2050: 1,040,066 · +4.4%
• By 2075: 1,057,849 · +6.2%
• By 2100: 1,039,774 · +4.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (81%)
• Race & ethnicity: Black 81% White 9% Hispanic / Latino 5% Two or more races 5% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 1%
• Foreign-born: 3% · Canada, Philippines, China
• Languages at home: 93% English-only · Spanish 4% Other Asian/Pacific 2%

Political lean MEDSL · Milwaukee

• 2024 margin: Solid D (+38.5) · D 68.3% · R 29.8% · Other 1.8%
• 2008→2024 swing: +2.7pp toward D · 2008: 35.9pp · 2024: 38.5pp
• All cycles: 2024: D+38.5 2020: D+39.9 2016: D+37.5 2012: D+34.6 2008: D+35.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.33%
• Current HPI: 381.0954
• Rent YoY: ▲ 7.01%
• Metro: Milwaukee-Waukesha, WI
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

+199.8% since first listed

14 events — show timeline

• 2026-05-23 Price Changed $134,900 METROMLS
• 2026-05-23 Relisted — METROMLS
• 2026-03-26 Pending — METROMLS
• 2026-03-20 Listing Removed — METROMLS
• 2026-03-17 Price Changed $144,900 METROMLS
• 2026-03-13 Listed $114,900 METROMLS
• 2020-01-17 Sold (Public Records) $300,000 Public Records
• 2019-12-31 Sold (MLS) $50,000 METROMLS
• 2019-10-14 Listed $69,900 METROMLS
• 2014-03-04 Listing Removed — METROMLS
• 2014-03-04 Listed $39,900 METROMLS
• 2012-11-07 Sold (Public Records) $37,500 Public Records
• 2012-09-26 Sold (MLS) $37,500 METROMLS
• 1986-05-01 Sold (Public Records) $45,000 Public Records

Property tax history

-1.7%/yr

Latest (2024): $2,327 · +16.4% YoY. Source: county tax records.