19635 E 800th St · Sciota, IL 61475

$149,999

3 bd · 1.0 ba · 1,148 sqft · SingleFamily public records · 272 Days on market

Built 1930 1.85 ac lot ↓ 17% since listing

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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).

• Cash flow +9.3/30.0
• ARV discount +7.5/15.0
• Appreciation +5.0/10.0
• Livability +3.5/5.0
• DSCR +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.0/10.0
• Schools +1.9/10.0

Listing remarks

Spacious Country Property with Room to Live, Work & Play – Almost 2 Acres! Welcome to your own private retreat! Sitting on nearly 2 acres, this versatile property is packed with features that make country living easy and enjoyable. Outside, you'll find a 30x40 metal building with 12-foot side walls and a 12-foot roll-up door, perfect for storage, or a workshop. There’s also a 4-car garage, shed, greenhouse, and a chicken coop—ideal for anyone interested in homesteading or hobbies. Enjoy summer days in the above-ground pool, or host family and friends on the spacious covered deck that overlooks the property—perfect for entertaining or relaxing in peace. Inside,

Key facts

• 1.85 acre lot
• 4 garage spots
• Pool

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 $-111 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $130k (13.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $105k (29.9% below list).
• Recommended offer: $105k (29.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#370 in IL) — a middle-class / working-renter tenant base. Strengths: employment A+, cost of living A+, housing A+; Watch: crime C-, health & safety C-, amenities F.
• West Prairie CUSD 103 (rural): math 20% / reading 23% proficiency, ranked #408 of 620 in IL (top 66%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: West Prairie North Elementary Sch (math 34% / reading 15%, grade F, #844 of 2,056 statewide, top 41%, 174 students, 0% FRL); West Prairie Junior High School (math 8% / reading 17%, grade F, #550 of 665 statewide, top 84%, 99 students, 0% FRL); West Prairie Senior High School (math 10% / reading 30%, grade F, #357 of 693 statewide, top 54%, 162 students, 0% FRL) — zoned schools average 0% FRL vs 43% district-wide (43 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 2 active listings in the ZIP.

Forward outlook

• In year one you build about $6k of equity ($1k loan paydown + $4k appreciation (3.0% local appreciation)).
• By year 7, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 272 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $30k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $105,085 (29.9% 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. It's been on market 272 days. Have you received any prior offers? Is the seller open to a 30% concession, seller financing, or rate buy-down credit?
3. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 D-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. 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?
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: 0.70% ✗
• Cap rate: 5.41%
• Cash-on-cash: -3.16%
• DSCR: 0.86
• GRM: 11.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 4.5%
• Equity multiple: 1.26×
• Total profit: $10,976
• Equity at exit: $67,446

10-year hold

• IRR: 7.7%
• Equity multiple: 2.16×
• Total profit: $48,919
• Equity at exit: $103,942

Cash invested: $42,000 (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 61475

• Active inventory: 2
• Price-to-rent: 11.9×

Monthly cashflow live

• Estimated rent: $1,051 medium
• Mortgage (P&I): −$787
• Tax from tax record: −$92 /mo · $1,101/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$221
• Net cashflow: $-111

Break-even live

Break-even rent $1,191

Max offer price $130,443

Occupancy floor —

Sensitivity live

Price	-10% $-26	-5% $-68	+0% $-111	+5% $-153	+10% $-196
Rent	-10% $-194	-5% $-152	+0% $-111	+5% $-69	+10% $-28
Rate	-1.0pp $-35	-0.5pp $-73	base $-111	+0.5pp $-150	+1.0pp $-189

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-04-02
   status Pending
2. 2026-02-06
   price $149,999
3. 2026-01-02
   status Active
4. 2025-12-24
   historical
5. 2025-09-04
   price $169,000
6. 2025-08-10
   price $170,000
7. 2025-06-23
   listed $180,000 Active

ⓘ 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: $1,101 · $92/mo
• Projected year-2 tax: $2,253 · $188/mo
• Expected delta: +$1,152/yr (+$96/mo · 104.6%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥106°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,610
• − Mortgage interest: −$8,402
• − Property taxes: −$1,101
• − Insurance: −$750
• − Repairs & maintenance: −$1,009
• − Management: −$1,009
• − Depreciation: −$4,364
• Taxable loss: −$4,024
• Est. tax savings @ 24.0%: +$966
• After-tax cash flow: $-363/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: West Prairie CUSD 103
• NCES district ID: 1700314
• Math proficiency: 20% ▬ 0.00%
• Reading proficiency: 23% ▼ -8.00%
• Median HH income: $44,721
• Composite: 18.65/100
• National rank: #8890
• State rank: #408 of 620 in IL

Livability — Sciota

• Score: 70/100
• State rank: #370
• US rank: #7710

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 211

Population outlook (McDonough County) Hauer SSP2

• Today (2025): 33,242 people
• By 2030: 33,318 · +0.2%
• By 2040: 33,520 · +0.8%
• By 2050: 33,630 · +1.2%
• By 2075: 33,657 · +1.2%
• By 2100: 33,127 · -0.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (100%)
• Race & ethnicity: White 100%
• Common ancestry: Slovak 7% Iranian 4% Portuguese 4%

Political lean MEDSL · McDonough

• 2024 margin: R (+18.9) · D 39.7% · R 58.5% · Other 1.8%
• 2008→2024 swing: -24.4pp toward R · 2008: 5.6pp · 2024: -18.9pp
• All cycles: 2024: R+18.9 2020: R+16.6 2016: R+11.7 2012: R+1.5 2008: D+5.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: —
• Current HPI: —
• 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

-16.7% since first listed

7 events — show timeline

• 2026-04-02 Pending — RMLSA as Distributed by MLS Grid
• 2026-02-06 Price Changed $149,999 RMLSA as Distributed by MLS Grid
• 2026-01-02 Relisted — RMLSA as Distributed by MLS Grid
• 2025-12-24 Listing Removed — RMLSA as Distributed by MLS Grid
• 2025-09-04 Price Changed $169,000 RMLSA as Distributed by MLS Grid
• 2025-08-10 Price Changed $170,000 RMLSA as Distributed by MLS Grid
• 2025-06-23 Listed $180,000 RMLSA as Distributed by MLS Grid

Property tax history

+23.7%/yr

Latest (2024): $1,101 · +9.3% YoY. Source: county tax records.