127 Walnut Hill Dr · The Galena Territory, IL 61036

$124,900

1 bd · 2.0 ba · 875 sqft · Other · 274 Days on market

Built 1989 $143/sqft · 35% below area Est $192k · 35% under $305/mo HOA · 19% of rent ↓ 19% since listing

---

Why this score? — see what drove the C- 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).

• ARV discount +15.0/15.0
• Cash flow +13.8/30.0
• 1% rule +7.7/10.0
• DSCR +4.2/10.0
• Schools +4.2/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Comfortable 1 bed, 2 bath Walnut Hill Golf Villa with beautifully wooded backdrop near Eagle Ridge North Golf Course with access to Walnut Hill private pool and a beautiful setting. Open and airy main level features large kitchen with eat-at counter, dining area, and sleek black appliances, large living room with fireplace and vaulted ceiling, full bathroom, and utility/laundry room. Upper level has loft overlooking main floor that leads to primary bedroom and generous private bath. Rear deck is a great place to grill out, enjoy the stunning treed surround or take in a starry night sky. Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more, scenic Lake Galena, and miles of paved and unpaved trails. Just minutes from Eagle Ridge Resort & Spa's multiple restaurants, 63 holes of golf, and Stonedrift Spa, and just down the road from driving range. 2026 Galena Territory annual association fee of $1404, Walnut Hill Golf Villa Association monthly fee of $305, and $85 Walnut Hill monthly fee for private pool all apply.

Key facts

• Large kitchen
• Rear deck
• Indoor pool

Tags

• ACCESS TO PRIVATE POOL
• LARGE KITCHEN
• LIVING ROOM WITH FIREPLACE
• LOFT OVERLOOKING MAIN FLOOR
• REAR DECK
• INDOOR POOL

What this means for you Summary

Snapshot

• This is a 1-bed/2.0-bath other listed at $125k.

Deal economics

• At list price, monthly cash flow is $10 ($124/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.4% vs local median 3.1% in The Galena Territory — 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 72/100 on livability (#313 in IL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: health & safety C-, schools D+, amenities F.
• Scales Mound CUSD 211 (rural): math 45% / reading 45% proficiency, ranked #216 of 919 in IL (top 24%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 157 active listings in the ZIP; 58 units permitted in Jo Daviess County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Jo Daviess County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 274 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.

Recommended offer $109,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 274 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.27% ✓
• Cap rate: 6.39%
• Cash-on-cash: 0.35%
• DSCR: 1.02
• GRM: 6.6

CMA / ARV

• ARV (median comp): $191,528
• List price: $124,900
• Delta: -34.79%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -15.5%
• Equity multiple: 0.45×
• Total profit: $-19,324
• Equity at exit: $18,623

10-year hold

• IRR: -6.6%
• Equity multiple: 0.57×
• Total profit: $-14,939
• Equity at exit: $10,799

Cash invested: $34,972 (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 61036

• Active inventory: 157
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,584 medium
• Mortgage (P&I): −$655
• Tax from tax record: −$229 /mo · $2,749/yr
• Insurance: −$52
• HOA: −$305
• Vacancy / Maint / Mgmt: −$333
• Net cashflow: $10

Break-even live

Break-even rent $1,571

Max offer price $124,900

Occupancy floor 94%

Sensitivity live

Price	-10% $81	-5% $46	+0% $10	+5% $-25	+10% $-60
Rent	-10% $-115	-5% $-52	+0% $10	+5% $73	+10% $135
Rate	-1.0pp $73	-0.5pp $42	base $10	+0.5pp $-22	+1.0pp $-55

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $305 · $3,660/yr
• Likely covers: poolgym

Listing history 19 events

1. 2026-06-21
   days on market $124,900 Active 274 DOM
2. 2026-06-18
   days on market $124,900 Active 272 DOM
3. 2026-06-17
   days on market $124,900 Active 271 DOM
4. 2026-06-16
   days on market $124,900 Active 270 DOM
5. 2026-06-15
   days on market $124,900 Active 269 DOM
6. 2026-06-13
   days on market $124,900 Active 267 DOM
7. 2026-06-12
   days on market $124,900 Active 266 DOM
8. 2026-06-09
   days on market $124,900 Active 263 DOM
9. 2026-06-08
   days on market $124,900 Active 262 DOM
10. 2026-06-07
    days on market $124,900 Active 261 DOM
11. 2026-06-05
    days on market $124,900 Active 259 DOM
12. 2026-06-04
    days on market $124,900 Active 257 DOM
13. 2026-06-02
    days on market $124,900 Active 256 DOM
14. 2026-06-01
    days on market $124,900 Active 255 DOM
15. 2026-05-31
    days on market $124,900 Active 254 DOM
16. 2026-05-31
    days on market $124,900 Active 253 DOM
17. 2026-04-08
    price $124,900 1356-char remark

    Show marketing remark (1356 chars)

    Comfortable 1 bed, 2 bath Walnut Hill Golf Villa with beautifully wooded backdrop near Eagle Ridge North Golf Course with access to Walnut Hill private pool and a beautiful setting. Open and airy main level features large kitchen with eat-at counter, dining area, and sleek black appliances, large living room with fireplace and vaulted ceiling, full bathroom, and utility/laundry room. Upper level has loft overlooking main floor that leads to primary bedroom and generous private bath. Rear deck is a great place to grill out, enjoy the stunning treed surround or take in a starry night sky. Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more, scenic Lake Galena, and miles of paved and unpaved trails. Just minutes from Eagle Ridge Resort & Spa's multiple restaurants, 63 holes of golf, and Stonedrift Spa, and just down the road from driving range. 2026 Galena Territory annual association fee of $1404, Walnut Hill Golf Villa Association monthly fee of $305, and $85 Walnut Hill monthly fee for private pool all apply.

18. 2026-02-23
    price $147,500 1356-char remark

    Show marketing remark (1356 chars)

    Comfortable 1 bed, 2 bath Walnut Hill Golf Villa with beautifully wooded backdrop near Eagle Ridge North Golf Course with access to Walnut Hill private pool and a beautiful setting. Open and airy main level features large kitchen with eat-at counter, dining area, and sleek black appliances, large living room with fireplace and vaulted ceiling, full bathroom, and utility/laundry room. Upper level has loft overlooking main floor that leads to primary bedroom and generous private bath. Rear deck is a great place to grill out, enjoy the stunning treed surround or take in a starry night sky. Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more, scenic Lake Galena, and miles of paved and unpaved trails. Just minutes from Eagle Ridge Resort & Spa's multiple restaurants, 63 holes of golf, and Stonedrift Spa, and just down the road from driving range. 2026 Galena Territory annual association fee of $1404, Walnut Hill Golf Villa Association monthly fee of $305, and $85 Walnut Hill monthly fee for private pool all apply.

19. 2025-09-18
    listed $154,900 Active 1356-char remark

    Show marketing remark (1356 chars)

    Comfortable 1 bed, 2 bath Walnut Hill Golf Villa with beautifully wooded backdrop near Eagle Ridge North Golf Course with access to Walnut Hill private pool and a beautiful setting. Open and airy main level features large kitchen with eat-at counter, dining area, and sleek black appliances, large living room with fireplace and vaulted ceiling, full bathroom, and utility/laundry room. Upper level has loft overlooking main floor that leads to primary bedroom and generous private bath. Rear deck is a great place to grill out, enjoy the stunning treed surround or take in a starry night sky. Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more Conveniently located near all amenities of The Galena Territory, including Owners' Club with indoor pool, outdoor pool, fitness facility, game room, multi-sport gym, tennis courts and more, scenic Lake Galena, and miles of paved and unpaved trails. Just minutes from Eagle Ridge Resort & Spa's multiple restaurants, 63 holes of golf, and Stonedrift Spa, and just down the road from driving range. 2026 Galena Territory annual association fee of $1404, Walnut Hill Golf Villa Association monthly fee of $305, and $85 Walnut Hill monthly fee for private pool all apply.

ⓘ 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: $2,749 · $229/mo
• Projected year-2 tax: $2,792 · $233/mo
• Expected delta: +$43/yr (+$4/mo · 1.6%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,009
• − Mortgage interest: −$6,996
• − Property taxes: −$2,749
• − Insurance: −$624
• − Repairs & maintenance: −$1,521
• − Management: −$1,521
• − HOA: −$3,660
• − Depreciation: −$3,633
• Taxable loss: −$1,695
• Est. tax savings @ 24.0%: +$407
• After-tax cash flow: $531/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: Scales Mound CUSD 211
• NCES district ID: 1735610
• Math proficiency: 45% ▼ -5.00%
• Reading proficiency: 45% ▬ 0.00%
• Median HH income: $59,698
• Composite: 41.79/100
• National rank: #7155
• State rank: #216 of 919 in IL

Livability — The Galena Territory

• Score: 72/100
• State rank: #313
• US rank: #6203

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: The Galena Territory, IL
• Population (ZIP): 7,014

Population outlook (Jo Daviess County) Hauer SSP2

• Today (2025): 20,420 people
• By 2030: 19,405 · -5.0%
• By 2040: 17,244 · -15.6%
• By 2050: 15,357 · -24.8%
• By 2075: 11,760 · -42.4%
• By 2100: 8,355 · -59.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 7% Portuguese 3% Lithuanian 2%
• Foreign-born: 2% · Canada, Vietnam
• Languages at home: 97% English-only · Spanish 2% Other Indo-European 1%

Political lean MEDSL · Jo Daviess

• 2024 margin: R (+16.8) · D 40.8% · R 57.6% · Other 1.6%
• 2008→2024 swing: -27.3pp toward R · 2008: 10.5pp · 2024: -16.8pp
• All cycles: 2024: R+16.8 2020: R+16.5 2016: R+14.9 2012: D+1.1 2008: D+10.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -85.06%
• Current HPI: 156.4718
• 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

-19.4% since first listed

3 events — show timeline

• 2026-04-08 Price Changed $124,900 NWIAR
• 2026-02-23 Price Changed $147,500 NWIAR
• 2025-09-18 Listed $154,900 NWIAR

Property tax history

+1.0%/yr

Latest (2024): $2,749 · +4.9% YoY. Source: county tax records.