130 W Murphy St · Pontiac, IL 61764

$69,000

3 bd · 1.0 ba · 1,806 sqft · SingleFamily public records · 7 Days on market

Built 1951 ↓ 31% since listing

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Why this score? — see what drove the B- 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Schools +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

REDUCED!! Great south side Location! Lovely, well maintained home sitting on 2 lots. This home offers 3 bedrooms with double closets, 1 bath, an eat-in kitchen, LR, partial basement, sunroom and a 2 1/2 car attached garage with a loft for storage. One 10 foot and one 7 foot overhead door. Original hardwood floors. Roof, gutters, facia and some storm windows new in 2012. New entrance door to garage in 2013. Nice family home!

Key facts

• 2 garage spots
• Built 1951
• Listed 7 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $69k.

Deal economics

• At list price, monthly cash flow is $380 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $69k).
• Cap rate 12.9% vs local median 4.1% in Pontiac — 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 (#495 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B; Watch: employment D+, amenities F, commute F.
• Pontiac Twp Hsd 90 (town): math 25% / reading 25% proficiency, ranked #611 of 919 in IL (top 66%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Pontiac High School (math 27% / reading 27%, grade F, #218 of 693 statewide, top 35%, 693 students, 0% FRL).
• Market conditions: 39 active listings in the ZIP; 35 units permitted in Livingston County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $477 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Livingston County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 13y 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.

Risks & watch-outs

• Watch-outs: property tax is 3.4% of price; built in 1951 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $69,000

Questions for the listing agent

1. Built in 1951 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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: 1.77% ✓
• Cap rate: 12.89%
• Cash-on-cash: 23.57%
• DSCR: 2.05
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $171,570
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
922 S Mill St	0.15mi	3/2.0	1,907 (+6%)	5mo	$140,000	$73	76
217 W Moulton St	0.33mi	3/2.0	1,810 (+0%)	10mo	$145,000	$80	71
126 W Lowell Ave	0.06mi	4/1.0 (+1)	1,562 (-14%)	2mo	$142,000	$91	68
772 S Locust St	0.20mi	4/2.0 (+1)	1,674 (-7%)	8mo	$180,000	$108	63
316 W Henry St	0.50mi	3/1.5	1,706 (-6%)	4mo	$173,000	$101	62
117 W Humiston St	0.14mi	4/2.0 (+1)	1,685 (-7%)	19mo	$113,000	$67	58
5 S Dixie Ln	0.24mi	3/2.0	2,005 (+11%)	19mo	$190,000	$95	51
319 W Lincoln St	0.29mi	3/1.5	1,612 (-11%)	23mo	$80,000	$50	48
514 S Vermillion St	0.53mi	3/1.5	1,581 (-12%)	13mo	$167,500	$106	42
735 W Henry St	0.68mi	4/2.0 (+1)	1,976 (+9%)	10mo	$189,900	$96	35
219 W Reynolds St	0.40mi	4/1.0 (+1)	2,070 (+15%)	21mo	$142,500	$69	34
409 W Water St	0.75mi	4/2.0 (+1)	1,998 (+11%)	5mo	$189,900	$95	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: 16.8%
• Equity multiple: 1.68×
• Total profit: $13,078
• Equity at exit: $10,288

10-year hold

• IRR: 25.4%
• Equity multiple: 3.22×
• Total profit: $42,861
• Equity at exit: $5,966

Cash invested: $19,320 (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 61764

• Home prices YoY: -15.4%
• Active inventory: 39
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,221 medium
• Mortgage (P&I): −$362
• Tax from tax record: −$194 /mo · $2,332/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$256
• Net cashflow: $380

Break-even live

Break-even rent $740

Max offer price $69,000

Occupancy floor 64%

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: $17,250
• Closing costs: $2,070
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-04-20
   status Pending
2. 2026-04-12
   listed $69,000 Active
3. 2014-06-06
   soldstatus $92,000 427-char remark

   Show marketing remark (427 chars)

   REDUCED!! Great south side Location! Lovely, well maintained home sitting on 2 lots. This home offers 3 bedrooms with double closets, 1 bath, an eat-in kitchen, LR, partial basement, sunroom and a 2 1/2 car attached garage with a loft for storage. One 10 foot and one 7 foot overhead door. Original hardwood floors. Roof, gutters, facia and some storm windows new in 2012. New entrance door to garage in 2013. Nice family home!

4. 2014-06-06
   soldstatus $92,000

   Show marketing remark (427 chars)

   REDUCED!! Great south side Location! Lovely, well maintained home sitting on 2 lots. This home offers 3 bedrooms with double closets, 1 bath, an eat-in kitchen, LR, partial basement, sunroom and a 2 1/2 car attached garage with a loft for storage. One 10 foot and one 7 foot overhead door. Original hardwood floors. Roof, gutters, facia and some storm windows new in 2012. New entrance door to garage in 2013. Nice family home!

5. 2013-12-08
   listed $99,900 427-char remark

   Show marketing remark (427 chars)

   REDUCED!! Great south side Location! Lovely, well maintained home sitting on 2 lots. This home offers 3 bedrooms with double closets, 1 bath, an eat-in kitchen, LR, partial basement, sunroom and a 2 1/2 car attached garage with a loft for storage. One 10 foot and one 7 foot overhead door. Original hardwood floors. Roof, gutters, facia and some storm windows new in 2012. New entrance door to garage in 2013. Nice family home!

ⓘ 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: $2,332 · $194/mo
• Projected year-2 tax: $2,332 · $194/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 4/10 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: $14,650
• − Mortgage interest: −$3,865
• − Property taxes: −$2,332
• − Insurance: −$345
• − Repairs & maintenance: −$1,172
• − Management: −$1,172
• − Depreciation: −$2,007
• Taxable income: $3,757
• Est. tax owed @ 24.0%: −$902
• After-tax cash flow: $3,653/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: Pontiac Twp Hsd 90
• NCES district ID: 1732220
• Math proficiency: 25% ▼ -5.00%
• Reading proficiency: 25% ▼ -5.00%
• Median HH income: $47,682
• Composite: 24.88/100
• National rank: #12999
• State rank: #611 of 919 in IL

Livability — Pontiac

• Score: 67/100
• State rank: #495
• US rank: #10258

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pontiac, IL
• City population: 13,718
• Population (ZIP): 13,718

Population outlook (Livingston County) Hauer SSP2

• Today (2025): 32,749 people
• By 2030: 30,848 · -5.8%
• By 2040: 27,357 · -16.5%
• By 2050: 24,048 · -26.6%
• By 2075: 17,574 · -46.3%
• By 2100: 12,096 · -63.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Black 8% Hispanic / Latino 5% Two or more races 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 1%
• Common ancestry: Romanian 4% Lithuanian 3% Portuguese 2%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 3%

Political lean MEDSL · Livingston

• 2024 margin: Solid R (+46.3) · D 26.1% · R 72.4% · Other 1.6%
• 2008→2024 swing: -27.1pp toward R · 2008: -19.2pp · 2024: -46.3pp
• All cycles: 2024: R+46.3 2020: R+44.2 2016: R+41.0 2012: R+31.5 2008: R+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -39.21%
• Current HPI: 215.3534
• 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

-30.9% since first listed

5 events — show timeline

• 2026-04-20 Pending — MRED as Distributed by MLS Grid
• 2026-04-12 Listed $69,000 MRED as Distributed by MLS Grid
• 2014-06-06 Sold (MLS) $92,000 MRED as Distributed by MLS Grid
• 2014-06-06 Sold (Public Records) $92,000 Public Records
• 2013-12-08 Listed $99,900 MRED as Distributed by MLS Grid

Property tax history

+9.4%/yr

Latest (2024): $2,332 · +18.9% YoY. Source: county tax records.