19677 Kingsville St · Harper Woods, MI 48225

$130,000

4 bd · 1.0 ba · 983 sqft · SingleFamily public records · 17 Days on market

Built 1948 4,792 sqft lot

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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).

• Cash flow +24.4/30.0
• DSCR +7.9/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Rent growth +3.8/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Chaming 3-Bedroom Brick Bungalow in Harper WoodsWelcome to this gorgeous 3-bedroom brick bungalow, offering classic curb appeal and a functional layout. Step inside to find real hardwood flooring flowing beautifully through the living room and main-floor bedrooms. The spacious upper-level primary bedroom provides a private retreat with ample room to unwind. The home features a clean, unfinished basement, offering abundant storage space or room for future customization. Outside, a fully fenced-in backyard delivers the perfect private setting for outdoor activities, gardening, or relaxing. Key HighlightsClassic Architecture: Solid brick construction built to last. Interior Details: Genuine hardwood floors and a massive upper-level bedroom. Functional Basics: Public water/sewer, efficient forced-air natural gas heating, and a clean slate in the basement.

Key facts

• Hardwood flooring
• Brick bungalow
• Unfinished basement

Tags

• BRICK BUNGALOW
• HARDWOOD FLOORING
• UNFINISHED BASEMENT
• FULLY FENCED BACKYARD
• SOLID BRICK CONSTRUCTION
• PUBLIC WATER SEWER

Property features AI

Exterior

• Utilities: Public water
• Home design: Single-family residence; Residential property
• Construction: Built in 1948; Brick and vinyl siding construction
• Exterior features: Public water; Lot about 0.11 acres

Interior

• Kitchen: Kitchen (8 x 10)
• Bedrooms: Primary bedroom (14 x 20); Bedroom 2 (10 x 11); Bedroom 3 (10 x 10)
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating
• Interior features: Seven total rooms; Full basement

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $264 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $128k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 73/100 on livability (#199 in MI) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, health & safety D+, schools D-.
• Harper Woods School District (suburban): math 4% / reading 15% proficiency, ranked #524 of 540 in MI (top 97%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 69% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.1%/yr); 133 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); 2,639 units permitted in Wayne County in 2024 (1,216 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 5.1% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 13 sale attempts since 15y 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 1948 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $128,050 (1.5% below list)

Questions for the listing agent

1. Built in 1948 — 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 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?
4. Crime grade is F 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: 1.16% ✓
• Cap rate: 8.73%
• Cash-on-cash: 8.71%
• DSCR: 1.39
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $66,844
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
20244 Mccormick St	0.33mi	3/1.0 (-1)	1,000 (+2%)	1mo	$75,000	$75	76
11640 Somerset Ave	0.20mi	3/2.0 (-1)	1,028 (+5%)	0mo	$70,000	$68	74
19100 Kingsville St	0.38mi	3/1.0 (-1)	972 (-1%)	2mo	$110,000	$113	74
11017 Worden St	0.37mi	3/1.0 (-1)	961 (-2%)	0mo	$47,500	$49	74
10945 Peerless St	0.38mi	3/1.0 (-1)	964 (-2%)	2mo	$54,000	$56	73
20300 Mccormick St	0.39mi	3/1.0 (-1)	940 (-4%)	1mo	$60,000	$64	69
11545 Roxbury St	0.54mi	3/1.0 (-1)	1,003 (+2%)	1mo	$65,000	$65	66
18905 Woodland St	0.66mi	3/1.5 (-1)	1,023 (+4%)	1mo	$105,000	$103	55
18746 Woodside St	0.65mi	3/1.0 (-1)	921 (-6%)	2mo	$110,000	$119	53
12893 Payton St	0.75mi	3/1.0 (-1)	1,020 (+4%)	1mo	$75,000	$74	53
10830 Mckinney St	0.67mi	3/1.0 (-1)	1,066 (+8%)	1mo	$40,199	$38	48
9369 Sanilac St	0.70mi	3/1.0 (-1)	1,124 (+14%)	1mo	$65,000	$58	37

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 · 5.1% rent growth · sell at horizon

5-year hold

• IRR: -0.7%
• Equity multiple: 0.97×
• Total profit: $-949
• Equity at exit: $19,383

10-year hold

• IRR: 11.2%
• Equity multiple: 1.96×
• Total profit: $34,934
• Equity at exit: $11,240

Cash invested: $36,400 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 48225

• Rents YoY: 5.1%
• Active inventory: 133
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,508 high
• Mortgage (P&I): −$682
• Tax from tax record: −$191 /mo · $2,294/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$317
• Net cashflow: $264

Break-even live

Break-even rent $1,174

Max offer price $130,000

Occupancy floor 77%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 34 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
19661 Kenosha St Harper Woods, MI	3.0	2.0	1000	$1,400	$1.40	24d	1	0.11mi
19442 Kingsville St Harper Woods, MI	3.0	1.0	1000	$1,500	$1.50	17d	1	0.12mi
19365 Kingsville St Harper Woods, MI	4.0	1.5	996	$1,650	$1.66	14d	1	0.20mi
19982 McCormick St Detroit, MI	3.0	1.0	866	$1,200	$1.39	3d	1	0.21mi
10985 Peerless St Detroit, MI	3.0	1.0	1000	$1,364	$1.36	4d	1	0.36mi
12075 Rossiter St Detroit, MI	3.0	1.0	1100	$1,245	$1.13	43d	1	0.38mi
12075 Rossiter St Detroit, MI	3.0	1.0	1100	$1,245	$1.13	14d	1	0.38mi
19152 Woodside St Harper Woods, MI	3.0	1.0	916	$1,500	$1.64	17d	1	0.41mi
20461 Kingsville St Harper Woods, MI	4.0	1.0	1100	$1,399	$1.27	14d	1	0.47mi
11776 Rossiter St Detroit, MI	3.0	1.0	964	$1,150	$1.19	11d	1	0.54mi
10542 Lanark St Detroit, MI	3.0	1.0	1023	$1,250	$1.22	43d	1	0.62mi
10692 Meuse St Detroit, MI	3.0	1.0	955	$1,250	$1.31	12d	1	0.65mi
12716 Riad St Detroit, MI	3.0	1.0	974	$1,275	$1.31	17d	1	0.69mi
10400 Britain St Detroit, MI	3.0	1.0	890	$1,100	$1.24	43d	1	0.76mi
10370 Britain St Detroit, MI	3.0	1.0	1100	$1,100	$1.00	43d	1	0.76mi
11235 Roxbury St Detroit, MI	3.0	1.0	1062	$1,325	$1.25	17d	1	0.79mi
10177 Boleyn St Detroit, MI	3.0	1.0	767	$1,250	$1.63	43d	1	0.90mi
15909 Maddelein St Detroit, MI	3.0	1.0	894	$1,266	$1.42	43d	1	0.96mi
10037 Grayton St Detroit, MI	3.0	1.0	1000	$1,400	$1.40	3d	1	0.96mi
6325 Neff Ave Detroit, MI	3.0	1.0	1000	$1,500	$1.50	2d	1	0.97mi
20015 Lochmoor St Harper Woods, MI	3.0	1.0	1006	$1,500	$1.49	16d	1	0.97mi
16225 Manning St Detroit, MI	4.0	2.0	1036	$1,475	$1.42	43d	1	1.00mi
6301 Lodewyck St Detroit, MI	3.0	1.0	1084	$1,300	$1.20	12d	1	1.00mi
6304 Bluehill St Detroit, MI	3.0	1.0	1088	$1,500	$1.38	43d	1	1.01mi
6181 Neff Ave Detroit, MI	3.0	1.0	1102	$1,299	$1.18	17d	1	1.04mi
6175 Marseilles St Detroit, MI	3.0	1.0	1100	$1,100	$1.00	43d	1	1.05mi
10404 Somerset Ave Detroit, MI	3.0	1.0	1108	$1,475	$1.33	3d	1	1.09mi
15494 Mapleridge St Detroit, MI	3.0	1.0	937	$1,275	$1.36	43d	1	1.13mi
5955 Guilford St Detroit, MI	3.0	1.0	802	$1,400	$1.75	17d	1	1.20mi
16291 Eastburn St Detroit, MI	3.0	1.0	1000	$1,364	$1.36	24d	1	1.22mi
5915 Farmbrook St Detroit, MI	3.0	1.5	1000	$1,250	$1.25	24d	1	1.25mi
16410 Edmore Dr Detroit, MI	3.0	1.0	850	$1,250	$1.47	14d	1	1.28mi
5786 Neff Ave Detroit, MI	3.0	1.5	1100	$1,225	$1.11	16d	1	1.28mi
15010 Cedargrove St Detroit, MI	3.0	1.5	1018	$1,350	$1.33	43d	1	1.50mi

Listing history 13 events

1. 2026-06-18
   days on market $130,000 Active 17 DOM
2. 2026-06-17
   days on market $130,000 Active 16 DOM
3. 2026-06-16
   days on market $130,000 Active 15 DOM
4. 2026-06-15
   days on market $130,000 Active 14 DOM
5. 2026-06-13
   days on market $130,000 Active 12 DOM
6. 2026-06-13
   days on market $130,000 Active 11 DOM
7. 2026-06-09
   days on market $130,000 Active 8 DOM
8. 2026-06-08
   days on market $130,000 Active 7 DOM
9. 2026-06-07
   days on market $130,000 Active 6 DOM
10. 2026-06-04
    days on market $130,000 Active 3 DOM
11. 2026-06-03
    days on market $130,000 Active 2 DOM
12. 2026-06-02
    remarks 699-char remark
13. 2026-06-02
    listed $130,000 Active 1 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 MI · Partial reset (capped growth)

• Current annual tax: $2,294 · $191/mo
• Projected year-2 tax: $2,294 · $191/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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥95°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,095
• − Mortgage interest: −$7,282
• − Property taxes: −$2,294
• − Insurance: −$650
• − Repairs & maintenance: −$1,448
• − Management: −$1,448
• − Depreciation: −$3,782
• Taxable income: $1,191
• Est. tax owed @ 24.0%: −$286
• After-tax cash flow: $2,884/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: Harper Woods School District
• NCES district ID: 2617760
• Math proficiency: 4% ▼ -7.00%
• Reading proficiency: 15% ▼ -9.00%
• Median HH income: $46,155
• Composite: 8.8/100
• National rank: #9892
• State rank: #524 of 540 in MI

Livability — Harper Woods

• Score: 73/100
• State rank: #199
• US rank: #5054

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Harper Woods, MI
• County: Wayne County · 1,562,939 people
• City population: 16,098
• Metro: Detroit-Warren-Dearborn, MI
• Population (ZIP): 16,098
• Household income: $61,750
• Rent vs Own: 33.8% rent · 66.2% own
• Severe rent burden: 410.0

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 1,675,273 people
• By 2030: 1,620,300 · -3.3%
• By 2040: 1,502,341 · -10.3%
• By 2050: 1,384,039 · -17.4%
• By 2075: 1,124,592 · -32.9%
• By 2100: 881,193 · -47.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (65%)
• Race & ethnicity: Black 65% White 28% Two or more races 4% Hispanic / Latino 1%
• Common ancestry: Romanian 4% Lithuanian 1% German 1%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Arabic 2% Spanish 1%

Political lean MEDSL · Wayne

• 2024 margin: Strong D (+29.0) · D 62.7% · R 33.7% · Other 3.6%
• 2008→2024 swing: -20.5pp toward R · 2008: 49.5pp · 2024: 29.0pp
• All cycles: 2024: D+29.0 2020: D+38.1 2016: D+37.3 2012: D+46.9 2008: D+49.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -150.40%
• Current HPI: 181.4961
• Rent YoY: ▲ 5.10%
• Metro: Detroit-Warren-Dearborn, MI
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+365.9% since first listed

32 events — show timeline

• 2026-06-01 Listed $130,000 REALCOMP
• 2026-06-01 Listed $130,000 SW Michigan MLS
• 2026-06-01 Listed $130,000 MiRealSource-MiMLS
• 2022-08-10 Listing Removed — REALCOMP
• 2022-08-10 Listing Removed — MiRealSource-MiMLS
• 2022-07-02 Price Changed $139,900 MiRealSource-MiMLS
• 2022-07-01 Price Changed $139,900 REALCOMP
• 2022-05-19 Price Changed $144,900 MiRealSource-MiMLS
• 2022-05-19 Price Changed $144,900 REALCOMP
• 2022-05-10 Listed $149,900 MiRealSource-MiMLS
• 2022-05-10 Listed $149,900 REALCOMP
• 2022-02-16 Sold (MLS) $124,000 MiRealSource-MiMLS
• 2022-02-16 Sold (MLS) $124,000 REALCOMP
• 2022-02-01 Pending — MiRealSource-MiMLS
• 2022-02-01 Pending — REALCOMP
• 2021-11-29 Listed $129,000 MiRealSource-MiMLS
• 2021-11-29 Listed $129,000 REALCOMP
• 2015-12-03 Sold (MLS) $800 MiRealSource-MiMLS
• 2015-12-02 Listing Removed — MiRealSource-MiMLS
• 2015-11-17 Listed $800 MiRealSource-MiMLS
• 2014-12-10 Sold (MLS) $800 MiRealSource-MiMLS
• 2014-11-14 Listing Removed — MiRealSource-MiMLS
• 2014-10-10 Listed $800 MiRealSource-MiMLS
• 2014-08-01 Sold (MLS) $36,000 MiRealSource-MiMLS
• 2014-08-01 Sold (MLS) $36,000 REALCOMP
• 2014-07-21 Listing Removed — MiRealSource-MiMLS
• 2014-07-09 Listed $40,000 MiRealSource-MiMLS
• 2014-07-09 Listed $40,000 REALCOMP
• 2011-09-23 Sold (MLS) $18,900 MiRealSource-MiMLS
• 2011-09-23 Sold (MLS) $18,900 REALCOMP
• 2011-08-10 Listed $27,900 MiRealSource-MiMLS
• 2011-08-10 Listed $27,900 REALCOMP

Property tax history

+0.6%/yr

Latest (2025): $2,294 · -36.3% YoY. Source: county tax records.