112 W Hickory St · Streator, IL 61364

$139,000

3 bd · 2.0 ba · 1,252 sqft · SingleFamily public records · 35 Days on market

Built 1920 7,492 sqft lot Est $141k · at est.

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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 +22.1/30.0
• ARV discount +8.3/15.0
• DSCR +7.1/10.0
• 1% rule +6.4/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

What a deal right in the heart of downtown Streator. Close to shopping, dining and the downtown events. Original craftsman style woodwork and charm is carried through out. Enclosed porch, tall ceiling, oversized French doors. Original wood windows and hardware. Kitchen built in. Claw foot tub in the master bath. Main bath has stand up shower just by the back door and the laundry room so no need to track through the house from outside. Schedule your showing today.

Key facts

• Laundry room
• Enclosed porch
• Stand up shower

Tags

• ENCLOSED PORCH
• OVERSIZED FRENCH DOORS
• ORIGINAL WOOD WINDOWS
• CLAW FOOT TUB
• STAND UP SHOWER
• LAUNDRY ROOM

Property features AI

Finance

• Other: Property dimensions approximately 50 x 150; Lot is less than 0.25 acre; Living area and total finished area approx. 1,252
• HOA & community: No master association required

Exterior

• Parking: Detached garage (garage owned); Asphalt driveway; Total of 1 parking space
• Utilities: Public water; Public sewer; Electric service with circuit breakers
• Home design: Detached single-family home; One-story layout; Fee simple ownership; Property is over 100 years old; Shingle/asphalt roof
• Construction: Brick construction; Brick/mortar foundation
• Exterior features: Screened porch (approx. 20 x 8); Fenced yard

Interior

• Kitchen: Range; Refrigerator; Kitchen on the main level (approx. 16 x 12)
• Bedrooms: Three bedrooms (all on the main level); Master bedroom on the main level with a full bath
• Flooring: Hardwood flooring
• Bathrooms: Two full bathrooms
• Heating & cooling: Steam heating
• Interior features: First-floor bedroom and first-floor full bathroom; Built-in features; Separate dining room; Total of 6 rooms; Hardwood flooring throughout
• Laundry & utility: Main-level laundry (approx. 18 x 8); Unfinished/partial basement with crawl space

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $139k.

Deal economics

• At list price, monthly cash flow is $224 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $139k).
• Recommended offer: $135k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#752 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: schools F, amenities F, commute F.
• Streator Twp Hsd 40 (town): math 11% / reading 19% proficiency, ranked #513 of 620 in IL (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 87 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); 82 units permitted in LaSalle County in 2024 (0 in 5+ unit buildings).
• This rent runs 32% of the median local income ($59k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $961 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• LaSalle County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($135k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y 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 $36k; list at $139k implies a 286% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $134,830 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 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 1920 — 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. 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: 1.14% ✓
• Cap rate: 8.23%
• Cash-on-cash: 6.91%
• DSCR: 1.31
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $141,476
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 Court St	0.53mi	3/2.0	1,250 (-0%)	2mo	$155,000	$124	73
509 W Grant St	0.56mi	2/1.5 (-1)	1,268 (+1%)	1mo	$133,000	$105	64
709 E Livingston St	0.62mi	4/2.0 (+1)	1,243 (-1%)	2mo	$140,000	$113	64
304 W Morrell St	0.38mi	2/1.0 (-1)	1,125 (-10%)	1mo	$135,000	$120	56
514 Lundy St	0.61mi	4/2.0 (+1)	1,174 (-6%)	4mo	$95,000	$81	53
403 N Wasson St	0.45mi	3/1.0	1,078 (-14%)	1mo	$121,887	$113	51
608 N Shabbona St	0.60mi	3/1.5	1,120 (-10%)	1mo	$120,000	$107	51
112 W Grant St	0.50mi	2/1.0 (-1)	1,108 (-12%)	3mo	$65,000	$59	46
709 S Park St	0.69mi	3/2.0	1,086 (-13%)	1mo	$205,000	$189	45
401 S 5th Ave	0.71mi	3/1.0	1,132 (-10%)	3mo	$135,000	$119	45
324 W Sumner St	0.67mi	2/1.0 (-1)	1,150 (-8%)	4mo	$97,001	$84	43
509 E Bronson St	0.74mi	2/2.0 (-1)	1,082 (-14%)	4mo	$47,500	$44	34

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: -5.6%
• Equity multiple: 0.79×
• Total profit: $-8,181
• Equity at exit: $20,725

10-year hold

• IRR: 4.1%
• Equity multiple: 1.30×
• Total profit: $11,522
• Equity at exit: $12,018

Cash invested: $38,920 (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 61364

• Home prices YoY: -31.1%
• Active inventory: 87
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,582 high
• Mortgage (P&I): −$729
• Tax from tax record: −$239 /mo · $2,865/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$332
• Net cashflow: $224

Break-even live

Break-even rent $1,298

Max offer price $139,000

Occupancy floor 81%

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: $34,750
• Closing costs: $4,170
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
503 S Bloomington St Streator, IL	3.0	1.0	1200	$1,500	$1.25	24d	1	0.49mi
514 Lundy St Streator, IL	3.0	1.0	1174	$1,700	$1.45	3d	1	0.61mi
514 Lundy St Streator, IL	4.0	1.5	1300	$1,700	$1.31	7d	1	0.61mi
402 S Illinois St Streator, IL	2.0	1.0	1116	$1,550	$1.39	21d	1	0.73mi
1409 Kelly St Streator, IL	3.0	1.0	1280	$1,750	$1.37	7d	1	1.01mi

Listing history 22 events

1. 2026-06-19
   days on market $139,000 Active 35 DOM
2. 2026-06-18
   days on market $139,000 Active 34 DOM
3. 2026-06-17
   days on market $139,000 Active 33 DOM
4. 2026-06-16
   days on market $139,000 Active 32 DOM
5. 2026-06-15
   days on market $139,000 Active 31 DOM
6. 2026-06-14
   days on market $139,000 Active 29 DOM
7. 2026-06-12
   days on market $139,000 Active 28 DOM
8. 2026-06-09
   days on market $139,000 Active 25 DOM
9. 2026-06-08
   days on market $139,000 Active 24 DOM
10. 2026-06-07
    days on market $139,000 Active 23 DOM
11. 2026-06-05
    days on market $139,000 Active 20 DOM
12. 2026-06-03
    days on market $139,000 Active 19 DOM
13. 2026-06-02
    days on market $139,000 Active 18 DOM
14. 2026-06-01
    days on market $139,000 Active 17 DOM
15. 2026-05-31
    days on market $139,000 Active 16 DOM
16. 2026-05-30
    days on market $139,000 Active 15 DOM
17. 2026-05-15
    listed $139,000 Active 467-char remark

    Show marketing remark (467 chars)

    What a deal right in the heart of downtown Streator. Close to shopping, dining and the downtown events. Original craftsman style woodwork and charm is carried through out. Enclosed porch, tall ceiling, oversized French doors. Original wood windows and hardware. Kitchen built in. Claw foot tub in the master bath. Main bath has stand up shower just by the back door and the laundry room so no need to track through the house from outside. Schedule your showing today.

18. 2026-05-15
    listed $139,000 Active

    Show marketing remark (467 chars)

    What a deal right in the heart of downtown Streator. Close to shopping, dining and the downtown events. Original craftsman style woodwork and charm is carried through out. Enclosed porch, tall ceiling, oversized French doors. Original wood windows and hardware. Kitchen built in. Claw foot tub in the master bath. Main bath has stand up shower just by the back door and the laundry room so no need to track through the house from outside. Schedule your showing today.

19. 2022-04-27
    soldstatus $36,000 Closed 278-char remark

    Show marketing remark (278 chars)

    3 bedroom brick home being sold as is. Enclosed front porch. Home has beautiful original wood work including French doors and decorative interior windows. There is hookup for main floor laundry. Large kitchen with built ins. Stove, fridge and window A/C stay. Close to downtown.

20. 2021-11-23
    status Pending 278-char remark

    Show marketing remark (278 chars)

    3 bedroom brick home being sold as is. Enclosed front porch. Home has beautiful original wood work including French doors and decorative interior windows. There is hookup for main floor laundry. Large kitchen with built ins. Stove, fridge and window A/C stay. Close to downtown.

21. 2021-11-08
    price $40,000 278-char remark

    Show marketing remark (278 chars)

    3 bedroom brick home being sold as is. Enclosed front porch. Home has beautiful original wood work including French doors and decorative interior windows. There is hookup for main floor laundry. Large kitchen with built ins. Stove, fridge and window A/C stay. Close to downtown.

22. 2021-07-07
    listed $49,900 New 278-char remark

    Show marketing remark (278 chars)

    3 bedroom brick home being sold as is. Enclosed front porch. Home has beautiful original wood work including French doors and decorative interior windows. There is hookup for main floor laundry. Large kitchen with built ins. Stove, fridge and window A/C stay. Close to downtown.

ⓘ 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: $2,865 · $239/mo
• Projected year-2 tax: $3,010 · $251/mo
• Expected delta: +$145/yr (+$12/mo · 5.1%)

ⓘ 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 ≥104°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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,984
• − Mortgage interest: −$7,786
• − Property taxes: −$2,865
• − Insurance: −$695
• − Repairs & maintenance: −$1,519
• − Management: −$1,519
• − Depreciation: −$4,044
• Taxable income: $557
• Est. tax owed @ 24.0%: −$134
• After-tax cash flow: $2,557/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: Streator Twp Hsd 40
• NCES district ID: 1738100
• Math proficiency: 11% ▼ -4.00%
• Reading proficiency: 19% ▼ -1.00%
• Median HH income: $43,002
• Composite: 13.07/100
• National rank: #9561
• State rank: #513 of 620 in IL

Livability — Streator

• Score: 63/100
• State rank: #752
• US rank: #15266

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Streator, IL
• County: La Salle County · 41,676 people
• City population: 17,963
• Metro: Ottawa, IL
• Population (ZIP): 17,963
• Household income: $59,060
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 450.0

Population outlook (LaSalle County) Hauer SSP2

• Today (2025): 107,080 people
• By 2030: 104,196 · -2.7%
• By 2040: 97,413 · -9.0%
• By 2050: 90,294 · -15.7%
• By 2075: 76,252 · -28.8%
• By 2100: 61,339 · -42.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 11% Two or more races 4% Black 3%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · LaSalle

• 2024 margin: R (+18.5) · D 40.1% · R 58.6% · Other 1.3%
• 2008→2024 swing: -29.6pp toward R · 2008: 11.1pp · 2024: -18.5pp
• All cycles: 2024: R+18.5 2020: R+14.3 2016: R+14.4 2012: R+0.4 2008: D+11.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.28%
• Current HPI: 233.5533
• Rent YoY: —
• Metro: Ottawa, IL
• 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

+178.6% since first listed

6 events — show timeline

• 2026-05-15 Listed $139,000 MRED as Distributed by MLS Grid
• 2026-05-15 Listed $139,000 NWIAR
• 2022-04-27 Sold (MLS) $36,000 MRED as Distributed by MLS Grid
• 2021-11-23 Pending — MRED as Distributed by MLS Grid
• 2021-11-08 Price Changed $40,000 MRED as Distributed by MLS Grid
• 2021-07-07 Listed $49,900 MRED as Distributed by MLS Grid

Property tax history

+6.5%/yr

Latest (2024): $2,865 · +8.1% YoY. Source: county tax records.