3330 Roesner Dr · Markham, IL 60428

$37,750

3 bd · 1.0 ba · 1,036 sqft · SingleFamily public records · 148 Days on market

Built 1959 9,147 sqft lot ↓ 25% 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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +7.3/30.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +1.5/10.0
• Schools +1.5/10.0

Listing remarks MLS

HUD FORECLOSURE SALE!CASE#137-062252 SOLD"AS IS". INSURED STATUS:IN. HUD ELEC AUCTION.USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BIDDING & PROCEDURES SEE SHWNG INSTR. REPLACE FLOORING REPAIR DRYWALL, REPLACE BATH FIXTURES, EVIDENCE OF POSSIBLE MOLD

Key facts

• Quiet street
• 9,147 sq ft lot
• Garage

Tags

• QUIET STREET
• GENEROUSLY SIZED BACKYARD

Property features AI

Finance

• Other: Home built before 1978
• HOA & community: No master association fee required

Exterior

• Parking: Attached garage (1 garage space, 1 total parking space)
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; One-story layout; Fee simple ownership; Built approximately 61–70 years ago; Property not currently leased
• Construction: Frame construction
• Exterior features: Lot dimensions approximately 60 x 155; Lot is less than 0.25 acre; Subdivision: Country Aire Estates

Interior

• Kitchen: Kitchen on the main level (12 x 10)
• Bedrooms: Three bedrooms (all on the main level); Master bedroom on the main level (11 x 11); Bedroom two on the main level (10 x 10); Bedroom three on the main level (11 x 12)
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas heating with forced air
• Interior features: Six total rooms
• Laundry & utility: Dedicated laundry room

🔨 Auction listing. The $37,750 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $207,200 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $38k.

Deal economics

• At list price, monthly cash flow is $-274 ($-3k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $38k).
• Recommended offer: $33k (12.0% below list) — sets the bar for market timing.
• Cap rate 4.7% vs local median 10.2% in Markham — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 76/100 on livability (#186 in IL, #3,539 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D, amenities D, employment D.
• Bremen Chsd 228 (suburban): math 15% / reading 17% proficiency, ranked #468 of 620 in IL (top 76%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 65 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 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 $22k of equity ($1k loan paydown + $21k appreciation (10.0% local appreciation)).
• By year 2, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 148 days — a 12% lower offer ($33k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y ago; this cycle's ask has dropped $7k (16%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 8.2% of price; built in 1959 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $33,220 (12.0% 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 148 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. Crime grade is D 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?
9. 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?
10. 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.
11. 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.
12. 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: 0.71% ✗
• Cap rate: 4.71%
• Cash-on-cash: -5.67%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

• ARV (on-the-fly): $207,200
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15313 Cherry Ln	0.14mi	3/1.0	1,036 (0%)	3mo	$89,000	$86	91
15315 Cherry Ln	0.15mi	3/1.0	1,040 (+0%)	3mo	$195,000	$188	90
15422 Cherry Ln	0.28mi	3/1.5	1,040 (+0%)	4mo	$175,000	$168	80
15330 Cherry Ln	0.23mi	4/2.0 (+1)	1,036 (0%)	2mo	$249,900	$241	79
14820 Turner Ave	0.60mi	3/1.0	1,064 (+3%)	3mo	$150,000	$141	65
3813 153rd St	0.62mi	2/1.0 (-1)	1,075 (+4%)	1mo	$268,130	$249	59
15246 Calitonia Dr	0.63mi	3/1.0	1,113 (+7%)	1mo	$137,000	$123	58
15435 Hamlin Ave	0.64mi	3/1.0	1,107 (+7%)	3mo	$155,000	$140	56
14839 Lawndale Ave	0.71mi	3/2.0	1,086 (+5%)	4mo	$217,000	$200	52
14912 S San Francisco Ave	0.74mi	3/1.0	936 (-10%)	1mo	$193,000	$206	49
15120 Springfield Ave	0.73mi	3/2.0	1,127 (+9%)	1mo	$236,000	$209	47
14825 S Sacramento Ave	0.75mi	3/1.0	912 (-12%)	0mo	$222,000	$243	45

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: 20.3%
• Equity multiple: 2.64×
• Total profit: $95,421
• Equity at exit: $186,662

10-year hold

• IRR: 18.5%
• Equity multiple: 6.08×
• Total profit: $294,764
• Equity at exit: $402,544

Cash invested: $58,016 (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 60428

• Home prices YoY: 8.5%
• Active inventory: 65
• Price-to-rent: 2.1×

Monthly cashflow live

• Estimated rent: $1,466 medium
• Mortgage (P&I): −$1,087
• Tax est. 1.5%: −$259 /mo · $3,108/yr
• Insurance: −$86
• HOA: −$0
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $-274

Break-even live

Break-even rent $1,813

Max offer price $167,560

Occupancy floor —

Sensitivity live

Price	-10% $-131	-5% $-202	+0% $-274	+5% $-346	+10% $-417
Rent	-10% $-390	-5% $-332	+0% $-274	+5% $-216	+10% $-158
Rate	-1.0pp $-170	-0.5pp $-221	base $-274	+0.5pp $-328	+1.0pp $-382

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: $51,800
• Closing costs: $6,216
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3349 147th St Unit 3240 06 Midlothian, IL	2.0	1.0	817	$1,500	$1.84	6d	1	0.72mi
3542 147th St Midlothian, IL	2.0	1.0	817	$1,500	$1.84	7d	2	0.83mi
14521 Richmond Ave Unit 3 Posen, IL	2.0	1.0	850	$1,375	$1.62	25d	1	1.06mi

Listing history 24 events

1. 2026-06-18
   price $37,750 Active 148 DOM
2. 2026-06-18
   days on market $44,900 Active 148 DOM
3. 2026-06-17
   days on market $44,900 Active 147 DOM
4. 2026-06-16
   days on market $44,900 Active 146 DOM
5. 2026-06-15
   days on market $44,900 Active 145 DOM
6. 2026-06-13
   days on market $44,900 Active 143 DOM
7. 2026-06-09
   days on market $44,900 Active 139 DOM
8. 2026-06-08
   days on market $44,900 Active 138 DOM
9. 2026-06-07
   statusdays on market $44,900 Active 137 DOM
10. 2026-06-04
    days on market $44,900 Contingent - Continue to Show 134 DOM
11. 2026-06-03
    days on market $44,900 Contingent - Continue to Show 133 DOM
12. 2026-06-02
    days on market $44,900 Contingent - Continue to Show 132 DOM
13. 2026-06-01
    days on market $44,900 Contingent - Continue to Show 131 DOM
14. 2026-05-31
    days on market $44,900 Contingent - Continue to Show 130 DOM
15. 2026-04-30
    historical Contingent - Continue to Show
16. 2026-04-20
    status Active
17. 2026-04-13
    historical Contingent - Continue to Show
18. 2026-04-06
    status Active
19. 2026-02-06
    historical Contingent - Continue to Show
20. 2026-01-21
    listed $44,900 Active
21. 2007-05-17
    soldstatus $58,275 269-char remark

    Show marketing remark (269 chars)

    HUD FORECLOSURE SALE!CASE#137-062252 SOLD"AS IS". INSURED STATUS:IN. HUD ELEC AUCTION.USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BIDDING & PROCEDURES SEE SHWNG INSTR. REPLACE FLOORING REPAIR DRYWALL, REPLACE BATH FIXTURES, EVIDENCE OF POSSIBLE MOLD

22. 2007-02-20
    historical 269-char remark

    Show marketing remark (269 chars)

    HUD FORECLOSURE SALE!CASE#137-062252 SOLD"AS IS". INSURED STATUS:IN. HUD ELEC AUCTION.USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BIDDING & PROCEDURES SEE SHWNG INSTR. REPLACE FLOORING REPAIR DRYWALL, REPLACE BATH FIXTURES, EVIDENCE OF POSSIBLE MOLD

23. 2007-02-09
    listed $61,000 269-char remark

    Show marketing remark (269 chars)

    HUD FORECLOSURE SALE!CASE#137-062252 SOLD"AS IS". INSURED STATUS:IN. HUD ELEC AUCTION.USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BIDDING & PROCEDURES SEE SHWNG INSTR. REPLACE FLOORING REPAIR DRYWALL, REPLACE BATH FIXTURES, EVIDENCE OF POSSIBLE MOLD

24. 2000-10-10
    soldstatus $60,000

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

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥102°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,589
• − Mortgage interest: −$11,606
• − Property taxes: −$3,108
• − Insurance: −$1,036
• − Repairs & maintenance: −$1,407
• − Management: −$1,407
• − Depreciation: −$6,028
• Taxable loss: −$7,003
• Est. tax savings @ 24.0%: +$1,681
• After-tax cash flow: $-1,607/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: Bremen Chsd 228
• NCES district ID: 1707050
• Math proficiency: 15% ▼ -4.00%
• Reading proficiency: 17% ▼ -5.00%
• Median HH income: $57,625
• Composite: 15.32/100
• National rank: #9327
• State rank: #468 of 620 in IL

Livability — Markham

• Score: 76/100
• State rank: #186
• US rank: #3539

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Markham, IL
• City population: 10,980
• Population (ZIP): 10,980

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: Predominantly Black (69%)
• Race & ethnicity: Black 69% Hispanic / Latino 17% White 11% Two or more races 4%
• Hispanic origin (detail): Mexican 16%
• Common ancestry: Romanian 1% Lithuanian 1% Iranian 1%
• Foreign-born: 8% · Canada
• Languages at home: 86% English-only · Spanish 14%

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: ▲ 23.63%
• Current HPI: 302.333
• 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

-25.2% since first listed

10 events — show timeline

• 2026-04-30 Contingent — MRED as Distributed by MLS Grid
• 2026-04-20 Relisted — MRED as Distributed by MLS Grid
• 2026-04-13 Contingent — MRED as Distributed by MLS Grid
• 2026-04-06 Relisted — MRED as Distributed by MLS Grid
• 2026-02-06 Contingent — MRED as Distributed by MLS Grid
• 2026-01-21 Listed $44,900 MRED as Distributed by MLS Grid
• 2007-05-17 Sold (MLS) $58,275 MRED as Distributed by MLS Grid
• 2007-02-20 Listing Removed — MRED as Distributed by MLS Grid
• 2007-02-09 Listed $61,000 MRED as Distributed by MLS Grid
• 2000-10-10 Sold (Public Records) $60,000 Public Records

Property tax history

+3.0%/yr

Latest (2023): $3,568 · +299.5% YoY. Source: county tax records.