14506 Clinton St · Harvey, IL 60426

$110,000

3 bd · 1.0 ba · 1,264 sqft · SingleFamily public records · 104 Days on market

Built 1952 6,888 sqft lot Est $179k · 39% under

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Why this score? — see what drove the A- 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0

Listing remarks

Newly renovated well-maintained single-family house. * All mechanicals updated * New plumbing * Roof in a good condition * Fully furnished (!) Easy transport access to Chicago centre. House is furnished and ready to move-in. Great investment opportunity: good for lease or STR

Key facts

• Renovated
• Transport access
• Furnished

Tags

• RENOVATED
• TRANSPORT ACCESS
• FURNISHED
• INVESTMENT OPPORTUNITY

Property features AI

Finance

• Other: Fee simple ownership
• HOA & community: No master association fees required

Exterior

• Parking: Detached garage (garage owned); Gravel parking; 2 total parking spaces (2 garage spaces)
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; One-story
• Construction: Built approximately 71–80 years ago; Built before 1978
• Exterior features: Lot dimensions approx. 82 x 84; Lot less than 0.25 acre; Aluminum siding

Interior

• Kitchen: Kitchen on main level (approx. 10 x 10)
• Bedrooms: 3 bedrooms (all on main level); Master bedroom on main level with full bath
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Partially finished basement; 5 total rooms
• Laundry & utility: Laundry room

🏷️ Possibly a rental listed for sale. The $110,000 price doesn't fit this home's estimated sale value (~$179,488) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $837 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $100k (9.0% below list) — sets the bar for market timing.
• Cap rate 15.4% vs local median 9.3% in Harvey — 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 67/100 on livability (#539 in IL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A-; Watch: health & safety D+, crime F, amenities F.
• Thornton Twp Hsd 205 (suburban): math 7% / reading 8% proficiency, ranked #594 of 620 in IL (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Bryant Elem School (math 2% / reading 8%, grade F, #1,741 of 2,056 statewide, top 93%, 313 students, 0% FRL); Brooks Middle School (math 3% / reading 14%, grade F, #605 of 665 statewide, top 91%, 487 students, 0% FRL); Thornton Township High School (math 7% / reading 7%, grade F, #605 of 693 statewide, top 87%, 1,628 students, 0% FRL).
• Market conditions: 133 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 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 $12k of equity ($761 loan paydown + $11k appreciation (10.0% local appreciation)).
• At projected returns (10.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 104 days — a 9% lower offer ($100k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts 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: property tax is 4.0% of price; built in 1952 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $100,100 (9.0% below list)

Questions for the listing agent

1. It's been on market 104 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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 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?
7. 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?
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: 2.10% ✓
• Cap rate: 15.43%
• Cash-on-cash: 32.62%
• DSCR: 2.45
• GRM: 4.0

CMA / ARV

• ARV (on-the-fly): $179,488
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
340 Streamside Dr	0.17mi	3/1.5	1,270 (+0%)	5mo	$142,000	$112	85
14528 S Normal Ave	0.33mi	3/1.5	1,197 (-5%)	5mo	$123,649	$103	69
14817 S Wentworth Ave	0.53mi	3/2.0	1,270 (+0%)	3mo	$180,000	$142	68
14410 S Union Ave	0.50mi	3/2.0	1,294 (+2%)	4mo	$179,000	$138	65
14609 Lexington Ave	0.68mi	3/1.0	1,326 (+5%)	3mo	$45,000	$34	58
14233 S Union Ave	0.68mi	4/2.0 (+1)	1,262 (-0%)	4mo	$194,000	$154	56
14459 Center Ave	0.48mi	3/1.0	1,400 (+11%)	4mo	$35,000	$25	56
14727 Riverside Dr	0.57mi	4/2.0 (+1)	1,200 (-5%)	3mo	$212,000	$177	53
14430 S Lowe Ave	0.43mi	2/1.5 (-1)	1,128 (-11%)	4mo	$170,000	$151	52
14636 Clark St	0.65mi	3/1.0	1,394 (+10%)	3mo	$105,000	$75	50
240 E 148th St	0.45mi	3/1.5	1,080 (-15%)	4mo	$190,000	$176	49
302 W 145th St	0.54mi	3/2.0	1,087 (-14%)	1mo	$250,000	$230	47

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: 49.2%
• Equity multiple: 4.68×
• Total profit: $113,412
• Equity at exit: $99,097

10-year hold

• IRR: 43.0%
• Equity multiple: 10.49×
• Total profit: $292,389
• Equity at exit: $213,706

Cash invested: $30,800 (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 60426

• Home prices YoY: 6.9%
• Active inventory: 133
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $2,309 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$364 /mo · $4,369/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$485
• Net cashflow: $837

Break-even live

Break-even rent $1,249

Max offer price $110,000

Occupancy floor 59%

Sensitivity live

Price	-10% $900	-5% $868	+0% $837	+5% $806	+10% $775
Rent	-10% $655	-5% $746	+0% $837	+5% $929	+10% $1,020
Rate	-1.0pp $893	-0.5pp $865	base $837	+0.5pp $809	+1.0pp $780

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14844 Wabash Ave Dolton, IL	3.0	1.5	1277	$2,320	$1.82	26d	1	0.83mi
14124 Manor Ave Dolton, IL	3.0	2.0	1440	$2,390	$1.66	26d	1	1.42mi
13708 S Wentworth Ave Riverdale, IL	3.0	1.5	1500	$2,200	$1.47	23d	1	1.45mi

Listing history 23 events

1. 2026-06-21
   days on market $110,000 Active 104 DOM
2. 2026-06-18
   days on market $110,000 Active 101 DOM
3. 2026-06-17
   days on market $110,000 Active 100 DOM
4. 2026-06-16
   days on market $110,000 Active 99 DOM
5. 2026-06-15
   days on market $110,000 Active 98 DOM
6. 2026-06-13
   days on market $110,000 Active 96 DOM
7. 2026-06-13
   days on market $110,000 Active 95 DOM
8. 2026-06-09
   days on market $110,000 Active 92 DOM
9. 2026-06-08
   days on market $110,000 Active 91 DOM
10. 2026-06-07
    days on market $110,000 Active 90 DOM
11. 2026-06-04
    days on market $110,000 Active 87 DOM
12. 2026-06-03
    days on market $110,000 Active 86 DOM
13. 2026-06-02
    days on market $110,000 Active 85 DOM
14. 2026-06-01
    days on market $110,000 Active 84 DOM
15. 2026-05-31
    days on market $110,000 Active 83 DOM
16. 2026-03-16
    status Active
17. 2026-02-25
    status Pending
18. 2026-02-18
    listed $110,000 Active
19. 2026-02-18
    historical
20. 2026-01-08
    listed Active
21. 2025-08-18
    historical Contingent - No Showings
22. 2025-08-18
    historical
23. 2025-08-16
    listed 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: $4,369 · $364/mo
• Projected year-2 tax: $4,369 · $364/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 3/10 Moderate FEMA zone X (unshaded) · 16% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,708
• − Mortgage interest: −$6,162
• − Property taxes: −$4,369
• − Insurance: −$550
• − Repairs & maintenance: −$2,217
• − Management: −$2,217
• − Depreciation: −$3,200
• Taxable income: $8,994
• Est. tax owed @ 24.0%: −$2,158
• After-tax cash flow: $7,889/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: Thornton Twp Hsd 205
• NCES district ID: 1738970
• Math proficiency: 7% ▬ 0.00%
• Reading proficiency: 8% ▼ -2.00%
• Median HH income: $43,392
• Composite: 6.92/100
• National rank: #9976
• State rank: #594 of 620 in IL

Livability — Harvey

• Score: 67/100
• State rank: #539
• US rank: #11162

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harvey, IL
• City population: 23,066
• Population (ZIP): 23,066

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: Majority Black (59%)
• Race & ethnicity: Black 59% Hispanic / Latino 33% Two or more races 12% White 3% Asian 2%
• Hispanic origin (detail): Mexican 31%
• Foreign-born: 17% · Canada
• Languages at home: 67% English-only · Spanish 30% Other Indo-European 2% French/Haitian/Cajun 1%

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: ▲ 20.36%
• Current HPI: 313.7895
• 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

8 events — show timeline

• 2026-03-16 Relisted — MRED as Distributed by MLS Grid
• 2026-02-25 Pending — MRED as Distributed by MLS Grid
• 2026-02-18 Listing Removed — MRED as Distributed by MLS Grid
• 2026-02-18 Listed $110,000 MRED as Distributed by MLS Grid
• 2026-01-08 Listed — MRED as Distributed by MLS Grid
• 2025-08-18 Contingent — MRED as Distributed by MLS Grid
• 2025-08-18 Listing Removed — MRED as Distributed by MLS Grid
• 2025-08-16 Listed — MRED as Distributed by MLS Grid

Property tax history

+4.2%/yr

Latest (2023): $4,369 · +123.5% YoY. Source: county tax records.