14018 S Finley Ave · Robbins, IL 60472

$149,900

3 bd · 1.0 ba · 1,040 sqft · SingleFamily public records · 11 Days on market

Built 1961 8,712 sqft lot Est $123k · 22% over

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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 +26.5/30.0
• Appreciation +10.0/10.0
• DSCR +9.0/10.0
• 1% rule +7.3/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.6/10.0
• ARV discount +0.0/15.0

Listing remarks

Welcome home to this stunning, fully renovated home that perfectly blends modern luxury with everyday functionality. Boasting a bright, open floor plan and high-end upgrades throughout, this 3-bedroom, 1-bathroom home is completely move-in ready. Property Highlights: Kitchen: Featuring brand-new custom cabinetry, sleek premium quartz countertops, and brand-new stainless steel appliances. Open-Concept Living: The expansive, versatile main living area (14 x 25) features an intelligent L-shaped layout-perfectly zoned to accommodate a large main living area (14 x 15) plus a dedicated dining area (9 x 10). Modern Upgrades: Enjoy brand-new, durable flooring throughout the entire home and a com

Key facts

• Custom cabinetry
• Durable flooring
• Modernized bathroom

Tags

• CUSTOM CABINETRY
• PREMIUM QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• OPEN-CONCEPT LIVING
• MODERNIZED BATHROOM
• DURABLE FLOORING

Property features AI

Finance

• Other: Living area reported by landlord/tenant/seller
• HOA & community: No master association fees required

Exterior

• Utilities: Public water; Public sewer
• Home design: Detached single-family home; One-story; Fee simple ownership; Rehab completed in 2026
• Construction: Frame construction; Asphalt roof; Concrete perimeter foundation; Built 61–70 years ago; Built before 1978
• Exterior features: Other exterior features

Interior

• Kitchen: Kitchen on main level (7 x 10)
• Bedrooms: Master bedroom on main level (9 x 12); Two additional bedrooms on main level (9 x 12 and 9 x 9)
• Bathrooms: One full bathroom
• Heating & cooling: Forced air heating
• Interior features: Five total rooms; Living room (14 x 25); Family room; Dining room
• Laundry & utility: Main-level laundry room (5 x 12)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $396 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).

Location & tenants

• Location reads 66/100 on livability (#583 in IL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, schools F, amenities F.
• Chsd 218 (suburban): math 14% / reading 20% proficiency, ranked #454 of 620 in IL (top 73%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 28 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 3d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).

Forward outlook

• In year one you build about $16k of equity ($1k loan paydown + $15k appreciation (10.0% local appreciation)).
• At projected returns (10.0% appreciation + 3.0% rent growth), your $42k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$41k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $10k; list at $150k implies a 1399% gain — meaningful room to come down on a strong offer.

Recommended offer $149,900

Questions for the listing agent

1. Built in 1961 — 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 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?
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: 1.23% ✓
• Cap rate: 9.47%
• Cash-on-cash: 11.33%
• DSCR: 1.50
• GRM: 6.8

CMA / ARV

• ARV (on-the-fly): $122,720
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3206 Kinne Rd	0.44mi	3/1.0	1,100 (+6%)	2mo	$219,000	$199	68
3223 Emery Ln	0.32mi	4/1.0 (+1)	1,100 (+6%)	6mo	$219,000	$199	66
3214 W Lydia Ave	0.27mi	3/1.0	931 (-10%)	6mo	$40,000	$43	65
3101 Emery Ln	0.31mi	3/1.0	1,144 (+10%)	6mo	$140,000	$122	64
3113 Emery Ln	0.29mi	3/1.0	1,100 (+6%)	17mo	$87,500	$80	63
3714 W 140th Pl	0.44mi	3/1.0	1,000 (-4%)	17mo	$60,000	$60	59
14110 S Grace Ave	0.38mi	4/1.0 (+1)	1,133 (+9%)	7mo	$27,300	$24	57
3629 Maxey Ct	0.52mi	3/1.0	1,140 (+10%)	12mo	$135,000	$118	50
13958 Betty Ln	0.43mi	4/2.0 (+1)	935 (-10%)	15mo	$125,000	$134	42
2837 140th Pl	0.65mi	3/1.0	1,144 (+10%)	16mo	$125,000	$109	39
14517 Saint Louis Ave	0.73mi	3/1.0	1,194 (+15%)	4mo	$240,000	$201	38
13426 S Central Park Ave	0.70mi	2/1.0 (-1)	908 (-13%)	14mo	$90,000	$99	30

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 32.6%
• Equity multiple: 3.55×
• Total profit: $106,933
• Equity at exit: $135,042

10-year hold

• IRR: 28.1%
• Equity multiple: 8.03×
• Total profit: $295,133
• Equity at exit: $291,223

Cash invested: $41,972 (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 60472

• Home prices YoY: 3.5%
• Active inventory: 28
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,848 high
• Mortgage (P&I): −$786
• Tax from tax record: −$215 /mo · $2,579/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $396

Break-even live

Break-even rent $1,346

Max offer price $149,900

Occupancy floor 74%

Sensitivity live

Price	-10% $481	-5% $439	+0% $396	+5% $354	+10% $312
Rent	-10% $250	-5% $323	+0% $396	+5% $469	+10% $542
Rate	-1.0pp $472	-0.5pp $435	base $396	+0.5pp $358	+1.0pp $318

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13906 Central Park Ave Unit 2N Robbins, IL	3.0	2.0	900	$2,000	$2.22	0d	1	0.32mi
3025 140th St Blue Island, IL	4.0	1.0	1144	$2,000	$1.75	0d	1	0.43mi
3028 141st St Blue Island, IL	4.0	1.0	1144	$1,911	$1.67	2d	1	0.44mi
14521 Richmond Ave Unit 3 Posen, IL	2.0	1.0	850	$1,375	$1.62	25d	1	0.90mi
3542 147th St Midlothian, IL	2.0	1.0	817	$1,500	$1.84	7d	2	0.92mi
3349 147th St Unit 3240 06 Midlothian, IL	2.0	1.0	817	$1,500	$1.84	6d	1	0.94mi
14547 Keystone Ave #12 Midlothian, IL	2.0	1.0	1000	$1,600	$1.60	0d	1	1.13mi
13443 Greenwood Ave Unit 2E Blue Island, IL	2.0	1.0	1200	$1,550	$1.29	0d	1	1.27mi
13308 Old Western Ave Unit 2 Blue Island, IL	3.0	1.5	1350	$2,200	$1.63	12d	1	1.40mi
13308 Old Western Ave Unit 2 Blue Island, IL	3.0	1.5	1350	$2,200	$1.63	23d	1	1.40mi
2640 Vermont St Unit 1 Blue Island, IL	3.0	1.5	1500	$2,200	$1.47	0d	1	1.43mi

Listing history 7 events

1. 2026-06-21
   days on market $149,900 Active 11 DOM
2. 2026-06-18
   days on market $149,900 Active 8 DOM
3. 2026-06-17
   days on market $149,900 Active 7 DOM
4. 2026-06-16
   days on market $149,900 Active 6 DOM
5. 2026-06-15
   days on market $149,900 Active 5 DOM
6. 2026-06-13
   remarks 699-char remark
7. 2026-06-13
   listed $149,900 Active 3 DOM

ⓘ 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: $2,579 · $215/mo
• Projected year-2 tax: $2,991 · $249/mo
• Expected delta: +$412/yr (+$34/mo · 16.0%)

ⓘ 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 ≥102°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,175
• − Mortgage interest: −$8,397
• − Property taxes: −$2,579
• − Insurance: −$750
• − Repairs & maintenance: −$1,774
• − Management: −$1,774
• − Depreciation: −$4,361
• Taxable income: $2,541
• Est. tax owed @ 24.0%: −$610
• After-tax cash flow: $4,147/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: Chsd 218
• NCES district ID: 1706540
• Math proficiency: 14% ▼ -4.00%
• Reading proficiency: 20% ▼ -1.00%
• Median HH income: $57,166
• Composite: 16.09/100
• National rank: #9235
• State rank: #454 of 620 in IL

Livability — Robbins

• Score: 66/100
• State rank: #583
• US rank: #12161

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Robbins, IL
• City population: 4,961
• Population (ZIP): 4,961

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 (85%)
• Race & ethnicity: Black 85% Hispanic / Latino 9% White 4% Two or more races 3%
• Hispanic origin (detail): Mexican 8%
• Common ancestry: Hispanic 4%
• Foreign-born: 4% · Canada
• Languages at home: 92% English-only · Spanish 7%

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: ▲ 16.74%
• Current HPI: 494.1622
• Rent YoY: —
• Metro: —
• 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

+887.8% since first listed

3 events — show timeline

• 2026-06-10 Listed $149,900 MRED as Distributed by MLS Grid
• 1993-06-24 Sold (Public Records) $10,000 Public Records
• 1992-07-24 Sold (Public Records) $15,175 Public Records

Property tax history

+12.2%/yr

Latest (2023): $2,579 · +18.6% YoY. Source: county tax records.