128 S 12th Ave · Maywood, IL 60153

$177,500

4 bd · 1.0 ba · 1,760 sqft · SingleFamily public records · 17 Days on market

Built 1903 4,451 sqft lot Est $338k · 47% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

MAYWOOD HERITAGE DISTRICT Historical 2 Story, 3 Bedrooms, 1 Bath Home. Roomy & Well Kept featuring: Enclosed Front Porch, Living Room, Separate Dining Room, Family Room, Kitchen with Pantry, 3 Large Bedrooms and Large Unfinished Basement. All Windows has been replaced, 2 Car Garage was added and newer Refrigerator & Water Heater.

Key facts

• Large windows
• Glass doorknobs
• Hardwood floors

Tags

• GRAND CRAFTED STAIRCASE
• GLASS DOORKNOBS
• HARDWOOD FLOORS
• LARGE WINDOWS
• TWO SEPARATE STAIRCASES
• STAND ALONE TWO CAR GARAGE

Property features AI

Finance

• HOA & community: No master association fee required

Exterior

• Parking: Detached garage; 2 garage spaces; 2 total parking spaces; Garage owned with garage door opener
• Utilities: Public water; Public sewer; Electric with circuit breakers
• Home design: Detached single-family home; 2 stories; Fee simple ownership; Home built over 100 years ago; Built before 1978
• Construction: Frame construction; Asphalt roof; Block foundation
• Exterior features: Patio

Interior

• Kitchen: Eating area/table space; Range; Refrigerator
• Bedrooms: 3 bedrooms total; Master bedroom on second floor (18 x 14); Second bedroom on second floor (12 x 11); Third bedroom on second floor (15 x 11)
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating; Forced air heating; CO detectors; Ceiling fan(s)
• Interior features: 7 total rooms; Separate dining room; Enclosed porch (21 x 7); Foyer (12 x 7); Family room (14 x 12); Living room (14 x 12)
• Laundry & utility: Laundry room; Gas dryer hookup; Laundry sink

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $178k.

Deal economics

• At list price, monthly cash flow is $1k ($14k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $178k).
• Recommended offer: $175k (1.5% below list) — sets the bar for market timing.
• Cap rate 14.3% vs local median 4.5% in Maywood — 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 78/100 on livability (#146 in IL, #2,694 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: health & safety C-, crime D+, schools F.
• Maywood-Melrose Park-Broadview 89 (suburban): math 14% / reading 21% proficiency, ranked #738 of 919 in IL (top 80%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 74% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 71 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 0d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• At $3,053/mo this rent would consume 53% of the median local household income ($69k/yr) (locally 869% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $50k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($175k) 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.

Risks & watch-outs

• Watch-outs: built in 1903 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $174,837 (1.5% below list)

Questions for the listing agent

1. Built in 1903 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 1.72% ✓
• Cap rate: 14.31%
• Cash-on-cash: 28.62%
• DSCR: 2.27
• GRM: 4.8

CMA / ARV

• ARV (on-the-fly): $337,920
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
611 S 13th Ave	0.34mi	4/2.0	1,710 (-3%)	5mo	$100,000	$58	71
1513 Saint Charles Rd	0.24mi	4/2.5	1,902 (+8%)	8mo	$365,000	$192	63
1619 Washington Blvd	0.41mi	4/3.0	1,858 (+6%)	1mo	$395,000	$213	62
601 S 6th Ave	0.52mi	4/2.0	1,830 (+4%)	5mo	$359,000	$196	61
419 S 18th Ave	0.43mi	4/1.0	1,572 (-11%)	8mo	$86,500	$55	56
827 S 19th Ave	0.66mi	3/1.5 (-1)	1,700 (-3%)	1mo	$365,000	$215	56
643 S 19th Ave	0.59mi	4/1.0	1,588 (-10%)	1mo	$165,000	$104	55
602 S 21st Ave	0.66mi	4/2.0	1,680 (-4%)	5mo	$346,000	$206	53
823 S 14th Ave	0.51mi	3/1.0 (-1)	1,600 (-9%)	4mo	$140,500	$88	52
906 S 10th Ave	0.54mi	3/2.0 (-1)	1,649 (-6%)	6mo	$179,000	$109	50
316 S 2nd Ave	0.66mi	4/1.5	1,500 (-15%)	1mo	$269,900	$180	42
1109 N 12th Ave	0.73mi	5/3.0 (+1)	2,000 (+14%)	2mo	$500,000	$250	29

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: 22.9%
• Equity multiple: 1.94×
• Total profit: $46,777
• Equity at exit: $26,466

10-year hold

• IRR: 30.9%
• Equity multiple: 3.78×
• Total profit: $138,130
• Equity at exit: $15,347

Cash invested: $49,700 (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 60153

• Home prices YoY: -20.5%
• Active inventory: 71
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $3,053 medium
• Mortgage (P&I): −$931
• Tax est. 1.5%: −$222 /mo · $2,662/yr
• Insurance: −$74
• HOA: −$0
• Vacancy / Maint / Mgmt: −$641
• Net cashflow: $1,185

Break-even live

Break-even rent $1,553

Max offer price $177,500

Occupancy floor 56%

Sensitivity live

Price	-10% $1,308	-5% $1,247	+0% $1,185	+5% $1,124	+10% $1,063
Rent	-10% $944	-5% $1,065	+0% $1,185	+5% $1,306	+10% $1,427
Rate	-1.0pp $1,275	-0.5pp $1,230	base $1,185	+0.5pp $1,139	+1.0pp $1,093

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: $44,375
• Closing costs: $5,325
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
714 Broadway St Melrose Park, IL	5.0	1.5	1600	$3,000	$1.88	0d	1	0.66mi
1610 S 4th Ave Maywood, IL	3.0	2.5	1754	$4,500	$2.57	0d	1	1.10mi
1912 S 4th Ave Maywood, IL	3.0	3.0	2300	$3,450	$1.50	0d	1	1.34mi

Listing history 12 events

1. 2026-05-06
   status Pending
2. 2026-04-19
   listed $177,500 Active
3. 2022-07-12
   soldstatus $210,000
4. 2022-06-29
   soldstatus $210,000 Closed 339-char remark

   Show marketing remark (339 chars)

   MAYWOOD HERITAGE DISTRICT Historical 2 Story, 3 Bedrooms, 1 Bath Home. Roomy & Well Kept featuring: Enclosed Front Porch, Living Room, Separate Dining Room, Family Room, Kitchen with Pantry, 3 Large Bedrooms and Large Unfinished Basement. All Windows has been replaced, 2 Car Garage was added and newer Refrigerator & Water Heater.

5. 2022-04-19
   historical Contingent - Continue to Show 339-char remark

   Show marketing remark (339 chars)

   MAYWOOD HERITAGE DISTRICT Historical 2 Story, 3 Bedrooms, 1 Bath Home. Roomy & Well Kept featuring: Enclosed Front Porch, Living Room, Separate Dining Room, Family Room, Kitchen with Pantry, 3 Large Bedrooms and Large Unfinished Basement. All Windows has been replaced, 2 Car Garage was added and newer Refrigerator & Water Heater.

6. 2022-04-14
   listed $199,950 Active 339-char remark

   Show marketing remark (339 chars)

   MAYWOOD HERITAGE DISTRICT Historical 2 Story, 3 Bedrooms, 1 Bath Home. Roomy & Well Kept featuring: Enclosed Front Porch, Living Room, Separate Dining Room, Family Room, Kitchen with Pantry, 3 Large Bedrooms and Large Unfinished Basement. All Windows has been replaced, 2 Car Garage was added and newer Refrigerator & Water Heater.

7. 2021-11-04
   status Active Under Contract
8. 2021-11-02
   historical
9. 2021-10-01
   price
10. 2021-08-12
    listed Active
11. 1999-07-13
    soldstatus $82,000
12. 1993-02-22
    soldstatus $36,000

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,638
• − Mortgage interest: −$9,943
• − Property taxes: −$2,662
• − Insurance: −$888
• − Repairs & maintenance: −$2,931
• − Management: −$2,931
• − Depreciation: −$5,164
• Taxable income: $12,119
• Est. tax owed @ 24.0%: −$2,909
• After-tax cash flow: $11,315/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: Maywood-Melrose Park-Broadview 89
• NCES district ID: 1725110
• Math proficiency: 14% ▲ 1.00%
• Reading proficiency: 21% ▲ 4.00%
• Median HH income: $45,567
• Composite: 18.75/100
• National rank: #14003
• State rank: #738 of 919 in IL

Livability — Maywood

• Score: 78/100
• State rank: #146
• US rank: #2694

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Maywood, IL
• County: Cook County · 4,486,803 people
• City population: 23,201
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 23,201
• Household income: $68,815
• Rent vs Own: 40.0% rent · 60.0% own
• Severe rent burden: 869.0

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: Diverse neighborhood (Simpson 0.56)
• Race & ethnicity: Black 57% Hispanic / Latino 33% Two or more races 11% White 6%
• Hispanic origin (detail): Mexican 28% Puerto Rican 3%
• Common ancestry: Romanian 1% British 1%
• Foreign-born: 14% · Canada, Jamaica
• Languages at home: 68% English-only · Spanish 30% French/Haitian/Cajun 2%

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: ▼ -86.90%
• Current HPI: 336.2159
• Rent YoY: —
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• 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

+393.1% since first listed

12 events — show timeline

• 2026-05-06 Pending — MRED as Distributed by MLS Grid
• 2026-04-19 Listed $177,500 MRED as Distributed by MLS Grid
• 2022-07-12 Sold (Public Records) $210,000 Public Records
• 2022-06-29 Sold (MLS) $210,000 MRED as Distributed by MLS Grid
• 2022-04-19 Contingent — MRED as Distributed by MLS Grid
• 2022-04-14 Listed $199,950 MRED as Distributed by MLS Grid
• 2021-11-04 Pending — MRED as Distributed by MLS Grid
• 2021-11-02 Listing Removed — MRED as Distributed by MLS Grid
• 2021-10-01 Price Changed — MRED as Distributed by MLS Grid
• 2021-08-12 Listed — MRED as Distributed by MLS Grid
• 1999-07-13 Sold (Public Records) $82,000 Public Records
• 1993-02-22 Sold (Public Records) $36,000 Public Records

Property tax history

+7.8%/yr

Latest (2023): $9,047 · +90.0% YoY. Source: county tax records.