3749 N 14th St · Milwaukee, WI 53206

$72,400

3 bd · 1.0 ba · 1,264 sqft · SingleFamily public records · 28 Days on market

Built 1917 3,484 sqft lot Est $107k · 33% under

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Why this score? — see what drove the A 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
• Appreciation +10.0/10.0
• Rent growth +4.6/5.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Schools +1.2/10.0

Listing remarks

Calling all investors. 3 bedroom 1 bath single family home. Off street parking, close to bus lines, shopping and just 10 min from downtown. Updates through out the years, professionally managed, and cash flowing at $1100 per month.

Key facts

• Off street parking
• Close to bus lines
• Cash flowing

Tags

• OFF STREET PARKING
• CLOSE TO BUS LINES
• CLOSE TO SHOPPING
• 10 MIN FROM DOWNTOWN
• PROFESSIONALLY MANAGED
• CASH FLOWING

Property features AI

Finance

• Other: Lot zoning: RT3

Exterior

• Parking: Detached 2-car garage
• Utilities: Municipal water; Municipal sewer; Natural gas
• Home design: 1.5-story single-family home; Less than 1/2 acre lot
• Construction: Information sourced from assessor/public records
• Exterior features: Vinyl and wood exterior; Sidewalks

Interior

• Kitchen: Kitchen on main level (10 x 10)
• Bedrooms: Main-level primary bedroom (12 x 12); Main-level bedroom 2 (11 x 10); Upper-level bedroom 3 (11 x 10)
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Natural gas heat
• Interior features: Full basement; Shower over tub

🏷️ Possibly a rental listed for sale. The $72,400 price doesn't fit this home's estimated sale value (~$107,440) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $72k.

Deal economics

• At list price, monthly cash flow is $432 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $72k).
• Recommended offer: $71k (1.5% below list) — sets the bar for market timing.
• Cap rate 13.5% vs local median 5.1% in Milwaukee — 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 81/100 on livability (#55 in WI, #1,534 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, schools F, crime F.
• Milwaukee School District (urban): math 10% / reading 18% proficiency, ranked #337 of 342 in WI (top 98%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 77% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+8.3%/yr); 150 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 1,017 units permitted in Milwaukee County in 2024 (803 in 5+ unit buildings).
• At $1,126/mo this rent would consume 46% of the median local household income ($29k/yr) (locally 2061% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $8k of equity ($501 loan paydown + $7k appreciation (10.0% local appreciation)).
• Milwaukee County population projected at +4% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 8.0% rent growth), your $20k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 28 days — a 2% lower offer ($71k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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 1917 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $71,314 (1.5% below list)

Questions for the listing agent

1. Built in 1917 — 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 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: 1.56% ✓
• Cap rate: 13.46%
• Cash-on-cash: 25.59%
• DSCR: 2.14
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $107,440
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1508 W Concordia Ave	0.46mi	3/1.0	1,190 (-6%)	3mo	$150,000	$126	66
3311 N 8th St	0.58mi	4/1.0 (+1)	1,259 (-0%)	2mo	$63,000	$50	65
3840 N 18th St St	0.23mi	3/2.0	1,413 (+12%)	2mo	$120,000	$85	64
4110 N 7th St	0.64mi	3/1.0	1,296 (+2%)	4mo	$95,000	$73	62
3850 N 19th Pl	0.36mi	3/1.0	1,387 (+10%)	8mo	$90,000	$65	60
3162 N 16th St	0.65mi	3/1.0	1,200 (-5%)	4mo	$56,000	$47	57
2128 W Atkinson Ave	0.67mi	3/1.0	1,210 (-4%)	6mo	$66,000	$55	57
4164 N 21st St	0.69mi	3/2.0	1,205 (-5%)	6mo	$150,000	$124	51
4182 N 13th St	0.53mi	4/2.0 (+1)	1,351 (+7%)	5mo	$239,000	$177	51
2234 W Melvina St	0.63mi	3/1.0	1,128 (-11%)	4mo	$98,000	$87	49
3157 N 15th St	0.66mi	3/1.5	1,118 (-12%)	4mo	$78,000	$70	44
4332 N 15th St	0.69mi	2/1.0 (-1)	1,090 (-14%)	1mo	$135,000	$124	39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 46.4%
• Equity multiple: 4.60×
• Total profit: $72,909
• Equity at exit: $65,224

10-year hold

• IRR: 42.3%
• Equity multiple: 11.25×
• Total profit: $207,773
• Equity at exit: $140,657

Cash invested: $20,272 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 73 Landlord-Friendly
• State Wisconsin: 73 Landlord-Friendly · R+2
• County: — inherits STATE
• City: — inherits STATE

5-day notice; preempted; Madison / Milwaukee have some local enforcement.

Methodology + full state rankings →

ZIP-level market 53206

• Rents YoY: 8.3%
• Active inventory: 150
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $1,126 high
• Mortgage (P&I): −$380
• Tax from tax record: −$47 /mo · $569/yr
• Insurance: −$30
• HOA: −$0
• Vacancy / Maint / Mgmt: −$236
• Net cashflow: $432

Break-even live

Break-even rent $579

Max offer price $72,400

Occupancy floor 57%

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: $18,100
• Closing costs: $2,172
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3747 N 16th St Milwaukee, WI	2.0	1.0	1200	$875	$0.73	43d	1	0.11mi
3927-3929 N 17th St Milwaukee, WI	2.0	1.0	900	$1,195	$1.33	43d	1	0.24mi
3646 N 19th St Milwaukee, WI	2.0	1.0	935	$1,100	$1.18	4d	1	0.28mi
3416 N 17th St Unit 1 Milwaukee, WI	3.0	1.0	1200	$1,100	$0.92	43d	1	0.40mi
3911 N 20th St Unit 3913 Milwaukee, WI	2.0	1.0	950	$995	$1.05	23d	1	0.45mi
3298 N 13th St Milwaukee, WI	3.0	1.0	885	$895	$1.01	43d	1	0.50mi
2106A W Keefe Ave Unit 2106 Lower Milwaukee, WI	3.0	1.0	1300	$1,100	$0.85	17d	1	0.54mi
3908 N 6th St Milwaukee, WI	2.0	1.0	1100	$1,150	$1.05	23d	1	0.58mi
4048 N 7th St Milwaukee, WI	2.0	1.0	1100	$1,150	$1.05	23d	1	0.58mi
2116 W Atkinson Ave Unit A Milwaukee, WI	4.0	1.0	1707	$2,000	$1.17	1d	1	0.63mi
1326 W Burleigh St Unit 1326 Lower Milwaukee, WI	2.0	1.0	900	$825	$0.92	2d	1	0.75mi
3600 N Vel R. Phillips Ave Milwaukee, WI	2.0	1.0	900	$950	$1.06	4d	1	0.75mi
3045 N 11th St #3047 Milwaukee, WI	3.0	1.0	1065	$1,175	$1.10	4d	1	0.84mi
3703 N 1st St Unit Upper-3705 Milwaukee, WI	3.0	1.0	1034	$1,200	$1.16	43d	1	0.91mi
2955 N 17th St Unit B UPSTAIRS Milwaukee, WI	2.0	1.0	1000	$900	$0.90	17d	1	0.97mi
3388 N 27th St Unit 3388 Front House Milwaukee, WI	4.0	1.0	1212	$1,550	$1.28	4d	1	0.97mi
4227 N 26th St Milwaukee, WI	2.0	1.0	950	$1,000	$1.05	17d	1	1.00mi
3025 N 6th St Milwaukee, WI	2.0	1.0	1153	$1,125	$0.98	43d	1	1.00mi
2945 N 23rd St Milwaukee, WI	3.0	1.0	1014	$1,195	$1.18	43d	1	1.12mi
2821 W Concordia Ave Milwaukee, WI	3.0	1.5	1098	$1,595	$1.45	2d	1	1.13mi
3347 N 29th St Unit 3347A Milwaukee, WI	2.0	1.0	950	$845	$0.89	14d	1	1.13mi
3373 N Richards St Milwaukee, WI	2.0	1.0	950	$1,150	$1.21	23d	1	1.15mi
3156 N 1st St Milwaukee, WI	2.0	1.0	900	$895	$0.99	43d	1	1.15mi
312 E Townsend St Unit 312 Milwaukee, WI	3.0	1.0	1400	$1,250	$0.89	23d	1	1.18mi
3352 N Richards St Unit Second floor Milwaukee, WI	2.0	1.0	1000	$1,150	$1.15	43d	1	1.19mi
4355 N 28th St Milwaukee, WI	2.0	1.0	1118	$975	$0.87	21d	1	1.22mi
3255 N Buffum St Unit 3255 Upper Milwaukee, WI	2.0	1.0	1100	$1,350	$1.23	43d	1	1.27mi
223 E Burleigh St Unit 223 Milwaukee, WI	4.0	1.0	1153	$1,395	$1.21	43d	1	1.29mi
3042 N Palmer St #5 Milwaukee, WI	3.0	1.0	1718	$1,050	$0.61	23d	1	1.31mi
2741 N 23rd St Unit 2 Milwaukee, WI	3.0	1.0	1000	$1,100	$1.10	17d	1	1.34mi
2741 N 23rd St Milwaukee, WI	3.0	1.0	900	$1,050	$1.17	14d	1	1.34mi
3368 N Booth St #3374 Milwaukee, WI	2.0	1.0	900	$950	$1.06	23d	1	1.35mi
3368 N Booth St #3374 Milwaukee, WI	2.0	1.0	900	$950	$1.06	43d	1	1.35mi
2931 W Chambers St Milwaukee, WI	2.0	1.0	1400	$1,050	$0.75	23d	1	1.41mi
605 E Auer Ave Milwaukee, WI	2.0	1.0	1200	$1,200	$1.00	10d	1	1.44mi
2765 N 26th St Unit 1 Milwaukee, WI	3.0	1.0	1125	$1,200	$1.07	4d	1	1.45mi
2765 N 26th St Unit 2 Milwaukee, WI	2.0	1.0	1100	$1,100	$1.00	4d	1	1.45mi
2870 N 29th St #2872 Milwaukee, WI	3.0	1.0	1300	$1,250	$0.96	43d	1	1.45mi
3029 N Holton St Milwaukee, WI	3.0	1.0	980	$1,200	$1.22	43d	1	1.46mi
3124 N 33rd St Milwaukee, WI	2.0	1.0	1200	$1,200	$1.00	43d	1	1.48mi

Listing history 22 events

1. 2026-06-18
   days on market $72,400 Active 28 DOM
2. 2026-06-17
   days on market $72,400 Active 27 DOM
3. 2026-06-16
   days on market $72,400 Active 26 DOM
4. 2026-06-15
   days on market $72,400 Active 25 DOM
5. 2026-06-13
   days on market $72,400 Active 23 DOM
6. 2026-06-13
   days on market $72,400 Active 22 DOM
7. 2026-06-09
   days on market $72,400 Active 19 DOM
8. 2026-06-08
   days on market $72,400 Active 18 DOM
9. 2026-06-07
   pricedays on market $72,400 Active 17 DOM
10. 2026-06-05
    days on market $74,900 Active 14 DOM
11. 2026-06-03
    days on market $74,900 Active 13 DOM
12. 2026-06-02
    days on market $74,900 Active 12 DOM
13. 2026-06-01
    days on market $74,900 Active 11 DOM
14. 2026-05-31
    days on market $74,900 Active 10 DOM
15. 2026-05-20
    listed $74,900 Active
16. 2025-03-22
    historical $1,245
17. 2025-02-13
    listed $1,245
18. 2025-02-07
    historical $1,295
19. 2024-09-20
    listed $1,295
20. 2024-01-13
    historical $1,250
21. 2023-12-13
    listed $1,250
22. 2023-06-29
    soldstatus $70,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast WI · Partial reset (capped growth)

• Current annual tax: $569 · $47/mo
• Projected year-2 tax: $954 · $80/mo
• Expected delta: +$385/yr (+$32/mo · 67.8%)

ⓘ 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 2/10 Low 7 d/yr ≥98°F today · 13 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: $13,512
• − Mortgage interest: −$4,056
• − Property taxes: −$569
• − Insurance: −$362
• − Repairs & maintenance: −$1,081
• − Management: −$1,081
• − Depreciation: −$2,106
• Taxable income: $4,258
• Est. tax owed @ 24.0%: −$1,022
• After-tax cash flow: $4,166/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: Milwaukee School District
• NCES district ID: 5509600
• Math proficiency: 10% ▼ -5.00%
• Reading proficiency: 18% ▬ 0.00%
• Median HH income: $36,339
• Composite: 11.61/100
• National rank: #9696
• State rank: #337 of 342 in WI

Livability — Milwaukee

• Score: 81/100
• State rank: #55
• US rank: #1534

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Milwaukee, WI
• County: Milwaukee County · 926,379 people
• City population: 573,768
• Metro: Milwaukee-Waukesha, WI
• Population (ZIP): 19,887
• Household income: $29,336
• Rent vs Own: 67.8% rent · 32.2% own
• Severe rent burden: 2061.0

Population outlook (Milwaukee County) Hauer SSP2

• Today (2025): 995,758 people
• By 2030: 1,009,124 · +1.3%
• By 2040: 1,028,128 · +3.3%
• By 2050: 1,040,066 · +4.4%
• By 2075: 1,057,849 · +6.2%
• By 2100: 1,039,774 · +4.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (91%)
• Race & ethnicity: Black 91% Two or more races 3% White 3% Hispanic / Latino 3%
• Common ancestry: Norwegian 1%
• Foreign-born: 1% · Canada
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Milwaukee

• 2024 margin: Solid D (+38.5) · D 68.3% · R 29.8% · Other 1.8%
• 2008→2024 swing: +2.7pp toward D · 2008: 35.9pp · 2024: 38.5pp
• All cycles: 2024: D+38.5 2020: D+39.9 2016: D+37.5 2012: D+34.6 2008: D+35.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 133.03%
• Current HPI: 397.7151
• Rent YoY: ▲ 8.28%
• Metro: Milwaukee-Waukesha, WI
• State GDP YoY: ▲ 2.10%
• F500 in state: 20

Industry mix (Fortune 500 HQ in WI)

Industry	F500 HQs	Revenue
▸Industrial Machinery	4	$23B
▸Industrial Technology	2	$36B
▸Insurance	1	$36B
▸Professional Services	1	$19B
▸Utilities	1	$9B
▸Consumer Goods	1	$3B

Price history

+7.0% since first listed

8 events — show timeline

• 2026-05-20 Listed $74,900 METROMLS
• 2025-03-22 Rental Removed $1,245 APPFOLIO
• 2025-02-13 Listed for Rent $1,245 APPFOLIO
• 2025-02-07 Rental Removed $1,295 APPFOLIO
• 2024-09-20 Listed for Rent $1,295 APPFOLIO
• 2024-01-13 Rental Removed $1,250 APPFOLIO
• 2023-12-13 Listed for Rent $1,250 APPFOLIO
• 2023-06-29 Sold (Public Records) $70,000 Public Records

Property tax history

-5.6%/yr

Latest (2024): $569 · -56.9% YoY. Source: county tax records.