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14424 University Ave
C- Composite 54.92
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 +21.4/30.0
  • ARV discount +7.5/15.0
  • 1% rule +7.4/10.0
  • DSCR +6.8/10.0
  • Rent growth +4.9/5.0
  • Livability +3.7/5.0
  • Condition / age +2.5/5.0
  • Schools +0.7/10.0
  • Appreciation +0.0/10.0

$175,000

14424 University Ave · Dolton, IL 60419
3 bd · 1.0 ba · 1,025 sqft · SingleFamily public records · 44 Days on market
Built 1955 4,375 sqft lot

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

The Heart of the Home: Experience a stunning transformation in this 3-bedroom home, where modern upgrades meet everyday comfort. The open-concept kitchen serves as the centerpiece, featuring custom Quartz countertops. This culinary space comes fully equipped with a brand-new suite of stainless steel appliances, making it a truly move-in-ready experience. Interior Excellence: Beautifully refinished hardwood floors run throughout the home, providing a warm and polished feel. The layout is bright and inviting, offering three well-proportioned bedrooms and a contemporary bathroom with updated fixtures. Every corner of this remodel reflects a commitment to quality and a clean, modern aesthetic.

Key facts

  • Private driveway
  • Open-concept kitchen
  • 4,375 sq ft lot

Tags

OPEN-CONCEPT KITCHENCUSTOM QUARTZ COUNTERTOPSSTAINLESS STEEL APPLIANCESREFINISHED HARDWOOD FLOORSPRIVATE DRIVEWAYSPACIOUS DETACHED GARAGE

Property features AI

Finance

  • Other: Ownership: Fee simple; Possession: Negotiable
  • HOA & community: No master association fee required

Exterior

  • Parking: Detached garage (2 garage spaces); Two total parking spaces; Off-site parking listed
  • Utilities: Public water; Public sewer
  • Home design: Detached single-family home; One-story
  • Construction: Brick construction; Estimated living area; Built before 1978 (home is 71–80 years old); Not rebuilt or rehabilitated
  • Exterior features: Lot dimensions about 35 x 125; Lot under 0.25 acre; Directions: Drive east on East 142nd St.; right to Minerva Ave.; left to East 144th St.; turn right — property is on the left

Interior

  • Kitchen: Kitchen (main level, approx. 11 x 11)
  • Bedrooms: Three bedrooms (all on the main level); Master bedroom on the main level
  • Bathrooms: One full bathroom
  • Heating & cooling: Natural gas heating; Central air conditioning
  • Interior features: Four total rooms
  • Laundry & utility: Main-level laundry room (approx. 9 x 10)

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

  • At list price, monthly cash flow is $258 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $175k).
  • Recommended offer: $170k (3.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 74/100 on livability (#263 in IL, #4,883 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, health & safety C-, schools F.
  • Thornton Twp Hsd 205 (suburban): math 7% / reading 8% proficiency, ranked #594 of 620 in IL (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
  • Market conditions: Rents rising fast (+9.7%/yr); 130 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
  • At $2,176/mo this rent would consume 45% of the median local household income ($58k/yr) (locally 919% 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 + 8.0% rent growth), your $49k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 44 days — a 3% lower offer ($170k) is reasonable based on typical stale-listing flexibility.
  • 13 sale attempts since 7y ago; this cycle's ask is 35% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
  • Current owner paid $81k; list at $175k implies a 116% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: property tax is 3.2% of price; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $169,750 (3.0% below list)

Questions for the listing agent

  1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  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 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
1.24%
Cap rate
8.06%
Cash-on-cash
6.32%
DSCR
1.28
GRM
6.7

CMA / ARV

ARV (on-the-fly)
$115,825
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
14341 University Ave 0.09mi 3/1.0 1,035 (+1%) 1mo $100,000 $97 93
14622 Kenwood Ave 0.35mi 3/1.0 1,017 (-1%) 5mo $110,000 $108 78
14642 Dorchester Ave 0.43mi 3/1.0 1,013 (-1%) 1mo $170,000 $168 77
14731 Kimbark Ave 0.45mi 3/1.0 1,017 (-1%) 2mo $115,000 $113 76
14610 Blackstone Ave 0.49mi 3/1.0 1,017 (-1%) 1mo $150,000 $147 75
14222 S Woodlawn Ave 0.27mi 3/1.0 1,089 (+6%) 2mo $90,000 $83 75
14738 Blackstone Ave 0.60mi 3/1.0 1,017 (-1%) 1mo $150,000 $147 70
14700 Avalon Ave 0.35mi 3/1.5 1,128 (+10%) 4mo $125,000 $111 62
1429 Kasten Dr 0.43mi 3/1.0 1,123 (+10%) 4mo $119,000 $106 60
14613 Dante Ave 0.46mi 3/1.5 1,112 (+8%) 5mo $95,000 $85 58
14842 Shepard Dr 0.57mi 3/1.5 1,141 (+11%) 2mo $135,000 $118 51
14647 Irving Ave 0.73mi 3/2.0 889 (-13%) 2mo $138,000 $155 38

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 · 8.0% rent growth · sell at horizon

5-year hold
IRR
-0.1%
Equity multiple
1.00×
Total profit
$-222
Equity at exit
$26,093
10-year hold
IRR
14.8%
Equity multiple
2.51×
Total profit
$74,088
Equity at exit
$15,131

Cash invested: $49,000 (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.

ZIP-level market 60419

Home prices YoY
-25.7%
Rents YoY
9.7%
Active inventory
130
Price-to-rent
6.7×

Monthly cashflow live

Estimated rent
$2,176 high interval (Pro) →
Mortgage (P&I)
$918
Tax from tax record
$470 /mo · $5,642/yr
Insurance
$73
HOA
$0
Vacancy / Maint / Mgmt
$457
Net cashflow
$258

Break-even live

Break-even rent $1,849
Max offer price $175,000
Occupancy floor 83%

Sensitivity live

Price -10% $357 -5% $308 +0% $258 +5% $209 +10% $159
Rent -10% $86 -5% $172 +0% $258 +5% $344 +10% $430
Rate -1.0pp $346 -0.5pp $303 base $258 +0.5pp $213 +1.0pp $167

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
$43,750
Closing costs
$5,250
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 21 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
14433 Woodlawn Ave Dolton, IL 4.0 2.0 1300 $2,000 $1.54 19d 1 0.12mi
14500 Cottage Grove Ave Unit 3 Dolton, IL 2.0 1.0 1000 $1,475 $1.48 25d 1 0.43mi
14716 Dorchester Ave Dolton, IL 3.0 2.0 1250 $2,800 $2.24 19d 1 0.51mi
14610 Blackstone Ave Dolton, IL 3.0 1.0 1017 $2,400 $2.36 6d 1 0.52mi
14738 Blackstone Ave Dolton, IL 3.0 1.0 1017 $2,400 $2.36 10d 1 0.63mi
14305 Irving Ave Unit 2 Dolton, IL 3.0 1.0 1100 $2,200 $2.00 25d 1 0.66mi
14817 Champlain Ave Dolton, IL 2.0 1.0 980 $2,430 $2.48 22d 1 0.78mi
14916 Langley Ave Dolton, IL 3.0 1.5 1418 $2,500 $1.76 25d 1 0.84mi
409 Madison Ave Unit 2 Calumet City, IL 3.0 1.5 1200 $1,795 $1.50 4d 1 0.98mi
1860 State St Calumet City, IL 3.0 1.0 1100 $1,800 $1.64 18d 1 1.02mi
15231 Hastings Dr Dolton, IL 4.0 1.5 1487 $2,146 $1.44 8d 1 1.07mi
405 Clyde Ave Calumet City, IL 3.0 1.0 973 $2,300 $2.36 1d 1 1.13mi
13841 Forest Ave Dolton, IL 3.0 1.0 930 $1,895 $2.04 25d 1 1.29mi
101 Oglesby Ave Calumet City, IL 2.0 1.0 1000 $1,800 $1.80 20d 1 1.30mi
101 Oglesby Ave Calumet City, IL 2.0 1.0 1100 $1,800 $1.64 12d 1 1.30mi
101 Oglesby Ave Calumet City, IL 2.0 1.0 1000 $1,800 $1.80 22d 1 1.30mi
14124 Manor Ave Dolton, IL 3.0 2.0 1440 $2,390 $1.66 25d 1 1.33mi
1601 Downs Dr Unit 3S Calumet City, IL 2.0 1.0 750 $1,400 $1.87 25d 1 1.34mi
250 Yates Ave Unit 1616 Dolton 1E Calumet City, IL 2.0 1.0 875 $1,465 $1.67 8d 1 1.34mi
15238 Doctor Martin Luther King Junior Dr Unit 2W Dolton, IL 2.0 1.0 800 $1,500 $1.88 11d 1 1.41mi
660 Clyde Ave Calumet City, IL 3.0 1.5 1400 $1,750 $1.25 3d 1 1.49mi

Listing history 50 events

  1. 2026-06-07
    days on market $175,000 Active 44 DOM
  2. 2026-06-04
    days on market $175,000 Active 41 DOM
  3. 2026-06-03
    days on market $175,000 Active 40 DOM
  4. 2026-06-02
    days on market $175,000 Active 39 DOM
  5. 2026-06-01
    days on market $175,000 Active 38 DOM
  6. 2026-05-31
    days on market $175,000 Active 37 DOM
  7. 2026-05-18
    price $180,000
  8. 2026-05-07
    price $185,000
  9. 2026-02-03
    soldstatus $81,000
  10. 2024-08-19
    historical
  11. 2024-08-16
    status Temporarily No Showings
  12. 2024-05-13
    historical
  13. 2024-04-23
    price
  14. 2024-04-17
    price
  15. 2024-04-04
    price
  16. 2024-03-14
    listed Active
  17. 2023-12-29
    historical
  18. 2023-12-05
    status Active
  19. 2023-12-05
    price
  20. 2023-12-03
    historical
  21. 2023-11-19
    status Active
  22. 2023-11-16
    historical
  23. 2023-11-04
    price
  24. 2023-10-28
    status Active
  25. 2023-10-27
    historical
  26. 2023-10-17
    price
  27. 2023-10-09
    status Active
  28. 2023-10-09
    price
  29. 2023-10-09
    historical
  30. 2023-09-27
    price
  31. 2023-09-09
    price
  32. 2023-08-29
    price
  33. 2023-08-29
    price
  34. 2023-08-24
    status Active
  35. 2023-08-23
    historical
  36. 2023-08-15
    price
  37. 2023-08-08
    price
  38. 2023-07-25
    price
  39. 2023-07-11
    listed Active
  40. 2021-09-17
    soldstatus $133,000
  41. 2021-08-11
    soldstatus $133,000 Closed
  42. 2021-08-02
    status Active Under Contract
  43. 2021-08-02
    status Active
  44. 2021-07-27
    status Active Under Contract
  45. 2021-07-27
    status Active
  46. 2021-06-16
    status Contingent (Do Not Show)
  47. 2021-06-15
    historical
  48. 2021-06-15
    historical
  49. 2021-05-30
    listed $130,000 New
  50. 2019-04-02
    soldstatus $35,000 Closed Sale

ⓘ 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
$5,642 · $470/mo
Projected year-2 tax
$5,642 · $470/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 ≥101°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$26,112
− Mortgage interest
−$9,803
− Property taxes
−$5,642
− Insurance
−$875
− Repairs & maintenance
−$2,089
− Management
−$2,089
− Depreciation
−$5,091
Taxable income
$524
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$126
After-tax cash flow
$2,973/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
Thornton Twp Hsd 205
NCES district ID
1738970
Math proficiency
7% ▬ 0.00%
Reading proficiency
8% ▼ -2.00%
Median HH income
$43,392
Composite
6.92/100
National rank
#9976
State rank
#594 of 620 in IL

Livability — Dolton

Score
74/100
State rank
#263
US rank
#4883

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Dolton, IL
County
Cook County · 4,486,803 people
City population
20,825
Metro
Chicago-Naperville-Elgin, IL-IN-WI
Population (ZIP)
20,825
Household income
$57,887
Rent vs Own
27.4% rent · 72.6% own
Severe rent burden
919.0

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
Predominantly Black (91%)
Race & ethnicity
Black 91% White 4% Two or more races 3% Hispanic / Latino 1%
Common ancestry
Romanian 1% Hispanic 1%
Foreign-born
3% · Canada
Languages at home
95% English-only · French/Haitian/Cajun 2% Spanish 1%

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
▼ -66.88%
Current HPI
193.2346
Rent YoY
▲ 9.65%
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

Price history

+271.1% since first listed
54 events — show timeline
  • 2026-05-18 Price Changed $180,000 MRED as Distributed by MLS Grid
  • 2026-05-07 Price Changed $185,000 MRED as Distributed by MLS Grid
  • 2026-02-03 Sold (Public Records) $81,000 Public Records
  • 2024-08-19 Listing Removed MRED as Distributed by MLS Grid
  • 2024-08-16 Relisted MRED as Distributed by MLS Grid
  • 2024-05-13 Listing Removed MRED as Distributed by MLS Grid
  • 2024-04-23 Price Changed MRED as Distributed by MLS Grid
  • 2024-04-17 Price Changed MRED as Distributed by MLS Grid
  • 2024-04-04 Price Changed MRED as Distributed by MLS Grid
  • 2024-03-14 Listed MRED as Distributed by MLS Grid
  • 2023-12-29 Listing Removed MRED as Distributed by MLS Grid
  • 2023-12-05 Relisted MRED as Distributed by MLS Grid
  • 2023-12-05 Price Changed MRED as Distributed by MLS Grid
  • 2023-12-03 Listing Removed MRED as Distributed by MLS Grid
  • 2023-11-19 Relisted MRED as Distributed by MLS Grid
  • 2023-11-16 Listing Removed MRED as Distributed by MLS Grid
  • 2023-11-04 Price Changed MRED as Distributed by MLS Grid
  • 2023-10-28 Relisted MRED as Distributed by MLS Grid
  • 2023-10-27 Listing Removed MRED as Distributed by MLS Grid
  • 2023-10-17 Price Changed MRED as Distributed by MLS Grid
  • 2023-10-09 Relisted MRED as Distributed by MLS Grid
  • 2023-10-09 Price Changed MRED as Distributed by MLS Grid
  • 2023-10-09 Listing Removed MRED as Distributed by MLS Grid
  • 2023-09-27 Price Changed MRED as Distributed by MLS Grid
  • 2023-09-09 Price Changed MRED as Distributed by MLS Grid
  • 2023-08-29 Price Changed MRED as Distributed by MLS Grid
  • 2023-08-29 Price Changed MRED as Distributed by MLS Grid
  • 2023-08-24 Relisted MRED as Distributed by MLS Grid
  • 2023-08-23 Listing Removed MRED as Distributed by MLS Grid
  • 2023-08-15 Price Changed MRED as Distributed by MLS Grid
  • 2023-08-08 Price Changed MRED as Distributed by MLS Grid
  • 2023-07-25 Price Changed MRED as Distributed by MLS Grid
  • 2023-07-11 Listed MRED as Distributed by MLS Grid
  • 2021-09-17 Sold (Public Records) $133,000 Public Records
  • 2021-08-11 Sold (MLS) $133,000 MRED as Distributed by MLS Grid
  • 2021-08-02 Pending MRED as Distributed by MLS Grid
  • 2021-08-02 Relisted MRED as Distributed by MLS Grid
  • 2021-07-27 Pending MRED as Distributed by MLS Grid
  • 2021-07-27 Relisted MRED as Distributed by MLS Grid
  • 2021-06-16 Pending MRED as Distributed by MLS Grid
  • 2021-06-15 Listing Removed MRED as Distributed by MLS Grid
  • 2021-06-15 Listing Removed MRED as Distributed by MLS Grid
  • 2021-05-30 Listed $130,000 MRED as Distributed by MLS Grid
  • 2019-04-02 Sold (MLS) $35,000 MRED as Distributed by MLS Grid
  • 2019-03-12 Pending MRED as Distributed by MLS Grid
  • 2019-03-07 Listing Removed MRED as Distributed by MLS Grid
  • 2019-03-04 Price Changed $50,000 MRED as Distributed by MLS Grid
  • 2019-03-03 Relisted MRED as Distributed by MLS Grid
  • 2019-02-19 Pending MRED as Distributed by MLS Grid
  • 2019-02-08 Price Changed $59,000 MRED as Distributed by MLS Grid
  • 2019-01-26 Price Changed $69,000 MRED as Distributed by MLS Grid
  • 2019-01-11 Listed $75,000 MRED as Distributed by MLS Grid
  • 1994-04-13 Sold (Public Records) $14,500 Public Records
  • 1987-01-07 Sold (Public Records) $48,500 Public Records

Property tax history

+5.4%/yr

Latest (2023): $5,642 · +4.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…