103 1st St · Bradford, IL 61421

$74,900

3 bd · 1.0 ba · 1,445 sqft · Other · 92 Days on market

9,147 sqft lot $52/sqft · at area comps Est $77k · at est.

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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 +8.7/15.0
• Appreciation +7.3/10.0
• Livability +3.3/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Don't miss out on this opportunity in a small-town setting! This 11/2-story home offers 3 bedrooms, 1 bath, and a 1-car garage, all situated on a nice level corner lot. With solid bones and great potential, this property is ready for your personal touch and a little TLC. Enjoy the flexibility of the layout along with the added space of the upper level. The corner lot provides extra yard space and curb appeal, perfect for outdoor enjoyment or future improvements. Whether you're looking for an investment or a place to make your own, this home is full of possibilities! To be sold "As Is"

Key facts

• Outdoor enjoyment
• Level corner lot
• Upper level

Tags

• CORNER LOT
• LEVEL CORNER LOT
• UPPER LEVEL
• OUTDOOR ENJOYMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath other listed at $75k.

Deal economics

• At list price, monthly cash flow is $355 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $68k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 66/100 on livability (#572 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A; Watch: schools D, crime D-, amenities F.
• Bradford CUSD 1 (rural): math 30% / reading 35% proficiency, ranked #431 of 919 in IL (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 7 active listings in the ZIP; 2 units permitted in Stark County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $4k of equity ($518 loan paydown + $4k appreciation (4.7% local appreciation)).
• Stark County population projected at -36% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.7% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 8, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 92 days — a 9% lower offer ($68k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $25k; list at $75k implies a 200% gain — meaningful room to come down on a strong offer.

Recommended offer $68,159 (9.0% below list)

Questions for the listing agent

1. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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. 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?
6. 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.
7. 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.
8. 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: 1.57% ✓
• Cap rate: 11.98%
• Cash-on-cash: 20.32%
• DSCR: 1.90
• GRM: 5.3

CMA / ARV

• ARV (median comp): $76,902
• List price: $74,900
• Delta: -2.60%
• Verdict: FAIR
• Comps: 11 within 1.0 mi

Projected returns pro-forma

4.68% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.0%
• Equity multiple: 2.84×
• Total profit: $38,582
• Equity at exit: $41,010

10-year hold

• IRR: 28.9%
• Equity multiple: 5.67×
• Total profit: $97,856
• Equity at exit: $69,619

Cash invested: $20,972 (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 61421

• Home prices YoY: 3.7%
• Active inventory: 7
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $1,175 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$149 /mo · $1,794/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$247
• Net cashflow: $355

Break-even live

Break-even rent $726

Max offer price $74,900

Occupancy floor 65%

Sensitivity live

Price	-10% $397	-5% $376	+0% $355	+5% $334	+10% $313
Rent	-10% $262	-5% $309	+0% $355	+5% $402	+10% $448
Rate	-1.0pp $393	-0.5pp $374	base $355	+0.5pp $336	+1.0pp $316

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $74,900 Active 92 DOM
2. 2026-06-18
   days on market $74,900 Active 90 DOM
3. 2026-06-17
   days on market $74,900 Active 89 DOM
4. 2026-06-16
   days on market $74,900 Active 88 DOM
5. 2026-06-15
   days on market $74,900 Active 87 DOM
6. 2026-06-13
   days on market $74,900 Active 85 DOM
7. 2026-06-12
   days on market $74,900 Active 84 DOM
8. 2026-06-09
   days on market $74,900 Active 81 DOM
9. 2026-06-08
   days on market $74,900 Active 80 DOM
10. 2026-06-07
    days on market $74,900 Active 79 DOM
11. 2026-06-05
    days on market $74,900 Active 77 DOM
12. 2026-06-04
    days on market $74,900 Active 75 DOM
13. 2026-06-02
    days on market $74,900 Active 74 DOM
14. 2026-06-01
    days on market $74,900 Active 73 DOM
15. 2026-05-31
    days on market $74,900 Active 72 DOM
16. 2026-05-31
    days on market $74,900 Active 71 DOM
17. 2026-05-07
    price $74,900 601-char remark

    Show marketing remark (601 chars)

    Don't miss out on this opportunity in a small-town setting! This 11/2-story home offers 3 bedrooms, 1 bath, and a 1-car garage, all situated on a nice level corner lot. With solid bones and great potential, this property is ready for your personal touch and a little TLC. Enjoy the flexibility of the layout along with the added space of the upper level. The corner lot provides extra yard space and curb appeal, perfect for outdoor enjoyment or future improvements. Whether you're looking for an investment or a place to make your own, this home is full of possibilities! To be sold "As Is"

18. 2026-03-20
    listed $79,900 Active 601-char remark

    Show marketing remark (601 chars)

    Don't miss out on this opportunity in a small-town setting! This 11/2-story home offers 3 bedrooms, 1 bath, and a 1-car garage, all situated on a nice level corner lot. With solid bones and great potential, this property is ready for your personal touch and a little TLC. Enjoy the flexibility of the layout along with the added space of the upper level. The corner lot provides extra yard space and curb appeal, perfect for outdoor enjoyment or future improvements. Whether you're looking for an investment or a place to make your own, this home is full of possibilities! To be sold "As Is"

19. 2021-08-06
    historical
20. 1998-03-01
    soldstatus $25,000

ⓘ 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: $1,794 · $149/mo
• Projected year-2 tax: $1,794 · $149/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 · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥103°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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,104
• − Mortgage interest: −$4,196
• − Property taxes: −$1,794
• − Insurance: −$374
• − Repairs & maintenance: −$1,128
• − Management: −$1,128
• − Depreciation: −$2,179
• Taxable income: $3,305
• Est. tax owed @ 24.0%: −$793
• After-tax cash flow: $3,468/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: Bradford CUSD 1
• NCES district ID: 1706880
• Math proficiency: 30% ▼ -10.00%
• Reading proficiency: 35% ▬ 0.00%
• Median HH income: $52,772
• Composite: 31.26/100
• National rank: #11248
• State rank: #431 of 919 in IL

Livability — Bradford

• Score: 66/100
• State rank: #572
• US rank: #12010

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradford, IL
• Population (ZIP): 1,330

Population outlook (Stark County) Hauer SSP2

• Today (2025): 5,233 people
• By 2030: 4,898 · -6.4%
• By 2040: 4,130 · -21.1%
• By 2050: 3,369 · -35.6%
• By 2075: 2,062 · -60.6%
• By 2100: 1,205 · -77.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Lithuanian 3% Slovak 1% Iranian 1%
• Foreign-born: 1% · Canada

Political lean MEDSL · Stark

• 2024 margin: Solid R (+45.6) · D 26.3% · R 71.8% · Other 1.9%
• 2008→2024 swing: -40.2pp toward R · 2008: -5.4pp · 2024: -45.6pp
• All cycles: 2024: R+45.6 2020: R+41.2 2016: R+38.0 2012: R+16.2 2008: R+5.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.68%
• Current HPI: 130.0589
• 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

+199.6% since first listed

4 events — show timeline

• 2026-05-07 Price Changed $74,900 MRED as Distributed by MLS Grid
• 2026-03-20 Listed $79,900 MRED as Distributed by MLS Grid
• 2021-08-06 Listing Removed — RMLSA as Distributed by MLS Grid
• 1998-03-01 Sold (Public Records) $25,000 Public Records

Property tax history

+12.9%/yr

Latest (2024): $1,794 · +8.5% YoY. Source: county tax records.