19128 S Pine Dr #19128 · Country Club Hills, IL 60478

$128,000

3 bd · 1.0 ba · 1,058 sqft · Condo · 20 Days on market

Built 1973 $225/mo HOA · 10% of rent

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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 +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Look no further! No stairs! Adorable, rarely found, ranch condo is awaiting its new owners! End unit with a park-like setting in the front, facing mature trees. Features include: Fresh paint; Newer flooring in the living room, kitchen, hallway; New oven/range, refrigerator and dishwasher; New window treatments. High end patio door off the dining room. Stackable washer/dryer in the utility room. Attached garage. This is an estate sale and being sold "as is", however the property has passed the Country Club Hills inspection requirements. This home is move-in ready! Don't wait, call for your appointment today! NOTE: No rentals per Country Club Hills ordinance. ALS0: HOA is is no l

Key facts

• Newer flooring
• End unit
• New oven

Tags

• END UNIT
• PARK-LIKE SETTING
• MATURE TREES
• NEWER FLOORING
• NEW OVEN
• NEW REFRIGERATOR

Property features AI

Finance

• Other: Four units in building; Living area reported by landlord/tenant/seller; No master association fee required; Parcel number available
• HOA & community: Monthly association fee of $225; Association covers insurance, exterior maintenance, lawn care, scavenger service, and snow removal; Manager off-site; Pets not allowed

Exterior

• Parking: Attached garage with garage door opener (1 garage space; 1 total parking space); Garage is owned
• Utilities: Water from Lake Michigan; Public sewer; Electric with circuit breakers
• Home design: Attached single condo, end unit; Entry level: 1
• Construction: Frame construction; Built approximately 51–60 years ago; Asphalt roof; Concrete perimeter foundation; Built before 1978
• Exterior features: Common lot; School bus service

Interior

• Kitchen: Range; Dishwasher; Refrigerator
• Bedrooms: Master bedroom on main level (10 x 14) with blinds and carpet; Bedroom 2 on main level (9 x 14) with blinds and carpet; Bedroom 3 on main level (9 x 10) with blinds and carpet
• Flooring: Carpet in bedrooms and master; Vinyl in kitchen, dining room, and living room
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas forced air heating; Central air conditioning
• Interior features: Six total rooms; L-shaped dining room; Ceiling fan(s)
• Laundry & utility: Washer and dryer in unit; Utility room on main level (5 x 10)

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath condo listed at $128k.

Deal economics

• At list price, monthly cash flow is $753 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $128k).
• Recommended offer: $126k (1.5% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 7.4% in Country Club Hills — 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 75/100 on livability (#212 in IL, #3,963 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, health & safety D+, schools F.
• Rich Twp Hsd 227 (suburban): math 5% / reading 12% proficiency, ranked #577 of 620 in IL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 94 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 1d 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

• Local home prices are declining (-3.0%/yr); year-one equity from $885 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($126k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 2y 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.
• Current owner paid $82k; list at $128k implies a 55% gain — meaningful room to come down on a strong offer.

Recommended offer $126,080 (1.5% below list)

Questions for the listing agent

1. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.84% ✓
• Cap rate: 13.35%
• Cash-on-cash: 25.21%
• DSCR: 2.12
• GRM: 4.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 18.8%
• Equity multiple: 1.76×
• Total profit: $27,394
• Equity at exit: $19,085

10-year hold

• IRR: 27.2%
• Equity multiple: 3.41×
• Total profit: $86,315
• Equity at exit: $11,067

Cash invested: $35,840 (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 60478

• Home prices YoY: -27.3%
• Active inventory: 94
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $2,355 high
• Mortgage (P&I): −$671
• Tax from tax record: −$158 /mo · $1,891/yr
• Insurance: −$53
• HOA: −$225
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $753

Break-even live

Break-even rent $1,401

Max offer price $128,000

Occupancy floor 63%

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: $32,000
• Closing costs: $3,840
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4453 Provincetown Dr Country Club Hills, IL	3.0	2.5	1300	$2,500	$1.92	1d	1	0.75mi
2256 Windsor Ln Country Club Hills, IL	3.0	1.0	1212	$2,250	$1.86	1d	1	0.82mi
1153 Williamsburg Rd Country Club Hills, IL	2.0	1.5	1216	$1,900	$1.56	1d	1	0.84mi
18019 Ravisloe Ter Country Club Hills, IL	3.0	1.5	1150	$2,800	$2.43	1d	1	1.37mi
4962 Bennett St Matteson, IL	2.0–3.0	2.5	1341	$3,120	$2.33	1d	7	1.44mi
17984 Amherst Ct Country Club Hills, IL	2.0	1.0	1000	$1,900	$1.90	1d	1	1.47mi

HOA detail condo

• Monthly dues: $225 · $2,700/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 13 events

1. 2026-06-18
   days on market $128,000 Active 20 DOM
2. 2026-06-17
   days on market $128,000 Active 19 DOM
3. 2026-06-16
   days on market $128,000 Active 18 DOM
4. 2026-06-15
   days on market $128,000 Active 17 DOM
5. 2026-06-13
   days on market $128,000 Active 15 DOM
6. 2026-06-09
   days on market $128,000 Active 11 DOM
7. 2026-06-08
   days on market $128,000 Active 10 DOM
8. 2026-06-07
   days on market $128,000 Active 9 DOM
9. 2026-06-04
   days on market $128,000 Active 6 DOM
10. 2026-06-03
    days on market $128,000 Active 5 DOM
11. 2026-06-02
    days on market $128,000 Active 4 DOM
12. 2026-06-01
    days on market $128,000 Active 3 DOM
13. 2026-05-31
    days on market $128,000 Active 2 DOM

ⓘ 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: $1,891 · $158/mo
• Projected year-2 tax: $2,398 · $200/mo
• Expected delta: +$507/yr (+$42/mo · 26.8%)

ⓘ 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 3/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,257
• − Mortgage interest: −$7,170
• − Property taxes: −$1,891
• − Insurance: −$640
• − Repairs & maintenance: −$2,261
• − Management: −$2,261
• − HOA: −$2,700
• − Depreciation: −$3,724
• Taxable income: $7,611
• Est. tax owed @ 24.0%: −$1,827
• After-tax cash flow: $7,210/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: Rich Twp Hsd 227
• NCES district ID: 1733420
• Math proficiency: 5% ▼ -3.00%
• Reading proficiency: 12% ▬ 0.00%
• Median HH income: $56,056
• Composite: 8.93/100
• National rank: #9885
• State rank: #577 of 620 in IL

Livability — Country Club Hills

• Score: 75/100
• State rank: #212
• US rank: #3963

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Country Club Hills, IL
• City population: 16,549
• Population (ZIP): 16,549

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 (87%)
• Race & ethnicity: Black 87% White 8% Hispanic / Latino 4% Two or more races 3%
• Common ancestry: Romanian 1%
• Foreign-born: 4% · Canada
• Languages at home: 96% English-only · Spanish 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: ▼ -79.73%
• Current HPI: 212.3917
• 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

+245.9% since first listed

12 events — show timeline

• 2026-05-29 Listed $128,000 MRED as Distributed by MLS Grid
• 2026-05-20 Listing Removed — MRED as Distributed by MLS Grid
• 2025-09-05 Relisted — MRED as Distributed by MLS Grid
• 2025-06-13 Contingent — MRED as Distributed by MLS Grid
• 2025-04-21 Price Changed — MRED as Distributed by MLS Grid
• 2024-11-22 Relisted — MRED as Distributed by MLS Grid
• 2024-10-27 Contingent — MRED as Distributed by MLS Grid
• 2024-10-24 Relisted — MRED as Distributed by MLS Grid
• 2024-09-21 Contingent — MRED as Distributed by MLS Grid
• 2024-08-29 Listed — MRED as Distributed by MLS Grid
• 1996-01-10 Sold (Public Records) $82,500 Public Records
• 1992-08-31 Sold (Public Records) $37,000 Public Records

Property tax history

-3.2%/yr

Latest (2023): $1,891 · -54.8% YoY. Source: county tax records.