745 Juniper Rd · South Haven, IN 46385

$224,000

3 bd · 1.0 ba · 960 sqft · SingleFamily public records · 10 Days on market

Built 1967 8,580 sqft lot $233/sqft · at area comps Est $214k · at est.

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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 +16.3/30.0
• ARV discount +5.4/15.0
• DSCR +5.0/10.0
• Livability +3.6/5.0
• 1% rule +3.4/10.0
• Schools +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

Key facts

• Updated kitchen
• New roof
• 8,580 sq ft lot

Tags

• NEW ROOF
• UPDATED KITCHEN
• LUXURY VINYL PLANK FLOORING
• COMPLETELY UPDATED BATHROOM
• LARGE FENCED BACKYARD

Property features AI

Exterior

• Parking: Detached garage; 2 garage spaces; Garage faces front; Garage door opener; Paved driveway and off-street parking
• Security: Carbon monoxide detector(s); Smoke detector(s)
• Utilities: Public water; Public sewer; Natural gas connected; Electricity connected (100 amp service); Cable available
• Home design: Single-story home; Built in 1967
• Construction: Vinyl siding; Shingle roof
• Exterior features: Neighborhood view; Rain gutters; Storage; Shed(s); Chain link fencing around backyard

Interior

• Kitchen: Stainless steel appliances; Gas range; Refrigerator; Microwave; Dishwasher; Granite counters; Eat-in kitchen
• Bedrooms: Primary bedroom; Bedroom 2; Bedroom 3
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (forced air); Central air conditioning; Ceiling fans
• Interior features: Ceiling fans; Granite counters; Eat-in kitchen; Crawl space basement
• Laundry & utility: Main level laundry room; Washer hookup; Gas dryer hookup; Washer and dryer included; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $224k.

Deal economics

• At list price, monthly cash flow is $122 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (15.9% below list).
• Recommended offer: $188k (15.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#119 in IN) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: amenities F, commute F.
• Portage Township Schools (suburban): math 26% / reading 36% proficiency, ranked #221 of 301 in IN (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 375 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 11d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 542 units permitted in Porter County in 2024 (0 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 $7k of value loss. Plan a longer hold.
• Porter County population projected at +6% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 20y 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 $193k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $188,281 (15.9% below list)

Questions for the listing agent

1. Built in 1967 — 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. 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?
4. 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.
5. 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.
6. 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: 0.84% ✗
• Cap rate: 6.95%
• Cash-on-cash: 2.34%
• DSCR: 1.10
• GRM: 9.9

CMA / ARV

• ARV (median comp): $213,964
• List price: $224,000
• Delta: 4.69%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
767 Fremont Rd	0.18mi	3/1.0	960 (0%)	0mo	$215,000	$224	91
730-1 Juniper Rd	0.15mi	3/1.0	960 (0%)	2mo	$184,000	$192	91
733-1 Imperial Rd	0.17mi	3/1.0	960 (0%)	3mo	$190,000	$198	90
724 Imperial Rd	0.23mi	3/1.0	960 (0%)	1mo	$228,000	$238	89
729 Imperial Rd	0.19mi	3/1.0	960 (0%)	4mo	$228,000	$238	88
732 Imperial Rd	0.16mi	3/1.0	960 (0%)	10mo	$232,000	$242	84
714 Juniper Rd	0.32mi	3/1.0	960 (0%)	3mo	$200,000	$208	82
719 Imperial Rd	0.27mi	3/1.0	960 (0%)	8mo	$222,000	$231	81
707-1 Fremont Rd	0.46mi	3/1.0	1,008 (+5%)	7mo	$184,900	$183	64
317 Midway Dr	0.53mi	3/1.5	1,008 (+5%)	5mo	$210,000	$208	61
716 Fremont Rd	0.31mi	3/1.5	1,064 (+11%)	7mo	$209,900	$197	60
387 W 700 N	0.54mi	3/1.5	1,064 (+11%)	6mo	$165,000	$155	50

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: -12.6%
• Equity multiple: 0.54×
• Total profit: $-28,587
• Equity at exit: $33,399

10-year hold

• IRR: -3.6%
• Equity multiple: 0.76×
• Total profit: $-15,198
• Equity at exit: $19,367

Cash invested: $62,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Indiana: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

10-day pay-or-quit; landlord-favorable; preempted.

Methodology + full state rankings →

ZIP-level market 46385

• Active inventory: 375
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,883 high
• Mortgage (P&I): −$1,175
• Tax from tax record: −$97 /mo · $1,164/yr
• Insurance: −$93
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $122

Break-even live

Break-even rent $1,728

Max offer price $224,000

Occupancy floor 88%

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: $56,000
• Closing costs: $6,720
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
374 Raritan Dr Valparaiso, IN	3.0	1.0	960	$1,800	$1.88	10d	1	0.39mi
778 Capitol Rd Valparaiso, IN	4.0	1.5	1114	$1,895	$1.70	17d	1	0.52mi
732 N State Road 149 Valparaiso, IN	3.0	1.0	1008	$1,650	$1.64	1d	1	0.60mi
678 Dearborn Rd Unit B Valparaiso, IN	2.0	1.5	1000	$1,395	$1.40	10d	1	0.78mi
3471 Sunnyside Dr Portage, IN	1.0–2.0	1.0–2.0	1083	$1,940	$1.79	1d	11	1.24mi
3300 Portside Ct Portage, IN	1.0–3.0	1.0–2.0	839	$1,439	$1.72	1d	6	1.42mi

Listing history 17 events

1. 2026-05-14
   listed $224,000 Active 1301-char remark
2. 2022-11-21
   soldstatus $193,000 Closed 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

3. 2022-10-03
   status Pending 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

4. 2022-09-22
   price $199,000 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

5. 2022-09-14
   price $203,000 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

6. 2022-08-16
   price $205,000 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

7. 2022-08-07
   status Deal Fell Through 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

8. 2022-08-02
   status Pending 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

9. 2022-07-29
   listed $208,000 Active 397-char remark

   Show marketing remark (397 chars)

   Looking for One Level and Move-In Ready? Look no further! Check out this LOVELY Updated Ranch with an ALL NEW Kitchen. Beautiful Granite Counters and Designer Tile Backsplash. Stainless Steel Appliances. New Flooring Throughout. New Lighting. New Plumbing Fixtures. Finished Laundry Room. Large Fenced Backyard. 2.5 Car Garage. Storage Shed. New Bathroom. Gorgeous Tile and Vanity! Excellent Area!

10. 2022-05-17
    soldstatus $120,000 Closed

    Show marketing remark (18 chars)

    SOLD BEFORE PRINT!

11. 2022-05-11
    historical

    Show marketing remark (18 chars)

    SOLD BEFORE PRINT!

12. 2022-05-11
    listed $120,000

    Show marketing remark (18 chars)

    SOLD BEFORE PRINT!

13. 2012-05-11
    soldstatus $44,500
14. 2012-03-29
    listed $44,500
15. 2006-09-27
    listed $95,900
16. 2006-08-28
    historical
17. 2006-02-27
    listed $99,900

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

Tax reassessment forecast IN · Partial reset (capped growth)

• Current annual tax: $1,164 · $97/mo
• Projected year-2 tax: $1,534 · $128/mo
• Expected delta: +$370/yr (+$31/mo · 31.8%)

ⓘ 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 2/10 Low 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,594
• − Mortgage interest: −$12,547
• − Property taxes: −$1,164
• − Insurance: −$1,120
• − Repairs & maintenance: −$1,807
• − Management: −$1,807
• − Depreciation: −$6,516
• Taxable loss: −$2,369
• Est. tax savings @ 24.0%: +$569
• After-tax cash flow: $2,037/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: Portage Township Schools
• NCES district ID: 1809150
• Math proficiency: 26% ▼ -15.00%
• Reading proficiency: 36% ▼ -10.00%
• Median HH income: $53,880
• Composite: 27.37/100
• National rank: #6978
• State rank: #221 of 301 in IN

Livability — South Haven

• Score: 72/100
• State rank: #119
• US rank: #6424

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: South Haven, IN
• County: Porter County · 151,647 people
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 40,856
• Household income: $98,957
• Rent vs Own: 13.4% rent · 86.6% own
• Severe rent burden: 304.0

Population outlook (Porter County) Hauer SSP2

• Today (2025): 177,804 people
• By 2030: 181,552 · +2.1%
• By 2040: 185,830 · +4.5%
• By 2050: 187,498 · +5.5%
• By 2075: 189,585 · +6.6%
• By 2100: 183,722 · +3.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 9% Two or more races 7% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 6% Puerto Rican 2%
• Common ancestry: Romanian 9% Italian 2% Lithuanian 2%
• Foreign-born: 3% · Canada, Philippines
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Porter

• 2024 margin: R (+10.5) · D 43.8% · R 54.3% · Other 1.8%
• 2008→2024 swing: -17.7pp toward R · 2008: 7.2pp · 2024: -10.5pp
• All cycles: 2024: R+10.5 2020: R+6.1 2016: R+6.8 2012: D+3.8 2008: D+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -151.11%
• Current HPI: 201.7039
• Rent YoY: —
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• State GDP YoY: ▲ 2.90%
• F500 in state: 18

Industry mix (Fortune 500 HQ in IN)

Industry	F500 HQs	Revenue
▸Industrial Machinery	2	$37B
▸Healthcare	1	$177B
▸Pharmaceuticals	1	$45B
▸Metals / Steel	1	$18B
▸Agriculture	1	$17B
▸Packaging	1	$12B

Price history

+124.2% since first listed

18 events — show timeline

• 2026-05-24 Pending — NIRA MLS as Distributed by MLS Grid
• 2026-05-14 Listed $224,000 NIRA MLS as Distributed by MLS Grid
• 2022-11-21 Sold (MLS) $193,000 NIRA MLS as Distributed by MLS Grid
• 2022-10-03 Pending — NIRA MLS as Distributed by MLS Grid
• 2022-09-22 Price Changed $199,000 NIRA MLS as Distributed by MLS Grid
• 2022-09-14 Price Changed $203,000 NIRA MLS as Distributed by MLS Grid
• 2022-08-16 Price Changed $205,000 NIRA MLS as Distributed by MLS Grid
• 2022-08-07 Relisted — NIRA MLS as Distributed by MLS Grid
• 2022-08-02 Pending — NIRA MLS as Distributed by MLS Grid
• 2022-07-29 Listed $208,000 NIRA MLS as Distributed by MLS Grid
• 2022-05-17 Sold (MLS) $120,000 NIRA MLS as Distributed by MLS Grid
• 2022-05-11 Listed $120,000 NIRA MLS as Distributed by MLS Grid
• 2022-05-11 Listing Removed — NIRA MLS as Distributed by MLS Grid
• 2012-05-11 Sold (MLS) $44,500 NIRA MLS as Distributed by MLS Grid
• 2012-03-29 Listed $44,500 NIRA MLS as Distributed by MLS Grid
• 2006-09-27 Listed $95,900 NIRA MLS as Distributed by MLS Grid
• 2006-08-28 Listing Removed — NIRA MLS as Distributed by MLS Grid
• 2006-02-27 Listed $99,900 NIRA MLS as Distributed by MLS Grid

Property tax history

-2.6%/yr

Latest (2024): $1,164 · +8.3% YoY. Source: county tax records.