14238 Hubbell St · Detroit, MI 48227

$99,000

4 bd · 1.0 ba · 1,344 sqft · SingleFamily public records · 4 Days on market

Built 1927 4,792 sqft lot $74/sqft · 96% above area

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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
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• ARV discount +7.5/15.0
• Rent growth +3.9/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 14238 Hubble Street, a beautifully renovated home offering modern upgrades and worry-free living. This property has been fully remodeled from top to bottom, making it an excellent choice for homeowners and investors alike. Key Features: Brand-new flooring throughout the entire home New windows offering improved efficiency and natural light Completely new roof for long-term peace of mind Fresh paint, updated finishes, and modern touches in every room Spacious layout ideal for families or first-time buyers Clean, updated kitchen and refreshed bathroom spaces Spacious Living room in the front, and a double-door enclosed Family room in the back, for all the family gathering and entertainment. Large yard perfect for outdoor enjoyment Located near schools, parks, shopping, and major freeways Whether you're looking for a turnkey home or a strong investment opportunity, this property delivers exceptional value with all major updates already completed. Don't miss your chance to own this fully updated gem on Detroit's west side!

Key facts

• New floors
• New kitchen
• New siding

Tags

• LARGE BALCONY
• COMPLETELY REMODELED HOME
• NEW ROOF
• NEW SIDING
• NEW FLOORS
• NEW KITCHEN

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $517 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Cap rate 12.6% vs local median 10.2% in Detroit — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 73/100 on livability (#218 in MI) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, crime F, employment F.
• Detroit Public Schools Community District (urban): math 10% / reading 24% proficiency, ranked #499 of 540 in MI (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 90% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+5.6%/yr); 385 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,639 units permitted in Wayne County in 2024 (1,216 in 5+ unit buildings).
• At $1,440/mo this rent would consume 47% of the median local household income ($37k/yr) (locally 2371% 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 $684 of loan paydown is wiped out by about $3k 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 + 5.6% rent growth), your $28k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 6y ago; this cycle's ask has dropped $51k (34%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $1k; list at $99k implies a 9800% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1927 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $99,000

Questions for the listing agent

1. Built in 1927 — 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: 1.45% ✓
• Cap rate: 12.56%
• Cash-on-cash: 22.39%
• DSCR: 2.00
• GRM: 5.7

CMA / ARV

• ARV (median comp): $50,559
• List price: $99,000
• Delta: 156.93%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14232 Lauder St	0.10mi	3/1.0 (-1)	1,272 (-5%)	2mo	$60,000	$47	79
14400 Hubbell St	0.15mi	4/1.5	1,444 (+7%)	4mo	$108,000	$75	75
14644 Hubbell St	0.35mi	3/1.0 (-1)	1,248 (-7%)	2mo	$45,000	$36	66
14572 Terry St	0.32mi	3/1.0 (-1)	1,248 (-7%)	4mo	$103,000	$83	65
13385 Robson St	0.42mi	3/1.5 (-1)	1,400 (+4%)	6mo	$55,000	$39	61
14100 Winthrop St	0.57mi	3/1.0 (-1)	1,411 (+5%)	4mo	$90,000	$64	56
15000 Strathmoor St	0.56mi	3/1.0 (-1)	1,250 (-7%)	6mo	$72,500	$58	52
13192 Schoolcraft	0.72mi	4/1.0	1,219 (-9%)	1mo	$32,000	$26	50
13995 Montrose St	0.67mi	3/1.5 (-1)	1,468 (+9%)	4mo	$116,600	$79	43
13215 Prest St	0.69mi	3/1.0 (-1)	1,160 (-14%)	0mo	$100,000	$86	40
12667 Lauder St	0.74mi	3/2.0 (-1)	1,200 (-11%)	7mo	$65,000	$54	33
14018 Prevost St	0.74mi	3/2.0 (-1)	1,532 (+14%)	5mo	$75,000	$49	29

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 · 5.59% rent growth · sell at horizon

5-year hold

• IRR: 17.9%
• Equity multiple: 1.75×
• Total profit: $20,724
• Equity at exit: $14,761

10-year hold

• IRR: 28.0%
• Equity multiple: 3.78×
• Total profit: $77,039
• Equity at exit: $8,560

Cash invested: $27,720 (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 48227

• Rents YoY: 5.6%
• Active inventory: 385
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,440 high
• Mortgage (P&I): −$519
• Tax from tax record: −$60 /mo · $717/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$302
• Net cashflow: $517

Break-even live

Break-even rent $785

Max offer price $99,000

Occupancy floor 59%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14375 Terry St Detroit, MI	3.0	2.0	1300	$1,425	$1.10	43d	1	0.21mi
14284 Cruse St Detroit, MI	3.0	1.0	1121	$1,150	$1.03	16d	1	0.27mi
14600 Strathmoor St Detroit, MI	4.0	1.0	1300	$1,450	$1.12	43d	1	0.28mi
14104 Coyle St Detroit, MI	3.0	1.0	1327	$1,350	$1.02	5d	1	0.33mi
14590 Ardmore St Detroit, MI	3.0	1.0	1200	$1,195	$1.00	2d	1	0.35mi
13331 Strathmoor St Detroit, MI	3.0	1.0	1084	$1,100	$1.01	16d	1	0.42mi
14814 Sussex St Unit 2 Detroit, MI	3.0	1.0	1100	$1,000	$0.91	43d	1	0.49mi
13279 Coyle St Detroit, MI	3.0	1.0	1444	$1,373	$0.95	43d	1	0.57mi
14903 Tracey St Detroit, MI	3.0	1.0	1004	$1,100	$1.10	16d	1	0.61mi
14893 Prest St Detroit, MI	3.0	1.0	1100	$1,000	$0.91	15d	1	0.65mi
12778 Strathmoor St Detroit, MI	3.0	1.0	1597	$1,150	$0.72	5d	1	0.65mi
12754 Marlowe St Detroit, MI	3.0	2.0	1008	$1,400	$1.39	16d	1	0.67mi
14891 Hartwell St Detroit, MI	3.0	1.0	1000	$1,150	$1.15	43d	1	0.68mi
15341 Lauder St Detroit, MI	4.0	1.5	1080	$1,475	$1.37	16d	1	0.75mi
15328 Coyle St Detroit, MI	3.0	1.0	1000	$1,450	$1.45	18d	1	0.77mi
15330 Coyle St Unit 1 Detroit, MI	3.0	1.0	1000	$1,425	$1.43	12d	1	0.77mi
15330 Coyle St Unit 1 Detroit, MI	3.0	1.0	1000	$1,375	$1.38	24d	1	0.77mi
15330 Coyle St Unit 2 Detroit, MI	3.0	1.0	1000	$1,450	$1.45	24d	1	0.77mi
15387 Lesure St Detroit, MI	3.0	1.0	1064	$1,350	$1.27	12d	1	0.86mi
14504 Saint Marys St Detroit, MI	4.0	1.0	1362	$1,473	$1.08	43d	1	0.92mi
16014 Hackett St Detroit, MI	4.0	2.0	1142	$1,500	$1.31	43d	1	0.95mi
15762 Mark Twain St Detroit, MI	3.0	2.0	1430	$1,250	$0.87	16d	1	1.03mi
15810 Robson St Detroit, MI	3.0	1.0	1142	$1,500	$1.31	24d	1	1.09mi
15375 Prevost St Detroit, MI	4.0	1.0	907	$1,300	$1.43	16d	1	1.09mi
12039 Lauder St Detroit, MI	3.0	1.5	1000	$1,500	$1.50	24d	1	1.14mi
14800 Woodmont Ave Detroit, MI	3.0	2.0	1612	$1,525	$0.95	15d	1	1.15mi
15332 Saint Marys St Detroit, MI	3.0	1.0	1200	$1,200	$1.00	16d	1	1.16mi
13965 Mendota St Detroit, MI	3.0	1.0	1222	$1,294	$1.06	17d	1	1.20mi
16151 Robson St Detroit, MI	3.0	1.0	1300	$1,525	$1.17	15d	1	1.25mi
15752 Rutherford St Detroit, MI	3.0	2.0	1174	$1,386	$1.18	5d	1	1.26mi
14881 Mendota St Detroit, MI	3.0	1.0	1026	$1,100	$1.07	24d	1	1.26mi
12840 Grandmont Ave Detroit, MI	3.0	1.0	1100	$1,200	$1.09	43d	1	1.28mi
11634 Sussex St Detroit, MI	3.0	1.0	1091	$1,326	$1.22	24d	1	1.33mi
12711 Grandmont Ave Detroit, MI	3.0	1.0	1000	$1,400	$1.40	18d	1	1.35mi
11431 Marlowe St Detroit, MI	3.0	1.0	1172	$1,400	$1.19	16d	1	1.36mi
15065 Gilchrist St Detroit, MI	3.0	1.0	1100	$1,250	$1.14	43d	1	1.37mi
16505 Stansbury St Detroit, MI	3.0	1.0	1100	$1,250	$1.14	11d	1	1.39mi
16505 Stansbury St Detroit, MI	3.0	1.0	1700	$1,345	$0.79	43d	1	1.39mi
15866 Mansfield St Detroit, MI	3.0	1.0	1324	$1,425	$1.08	24d	1	1.40mi
11397 Whitcomb St Detroit, MI	3.0	1.0	1070	$1,400	$1.31	16d	1	1.45mi

Listing history 26 events

1. 2026-06-18
   days on market $99,000 Active 4 DOM
2. 2026-06-17
   days on market $99,000 Active 3 DOM
3. 2026-06-16
   days on market $99,000 Active 2 DOM
4. 2026-06-15
   days on marketlisting id $99,000 Active 1 DOM
5. 2026-06-15
   days on market $99,000 Active 2 DOM
6. 2026-06-13
   pricedays on marketlisting id $99,000 Active 1 DOM
7. 2026-06-04
   days on market $129,900 Active 177 DOM
8. 2026-06-03
   days on market $129,900 Active 176 DOM
9. 2026-06-01
   days on market $129,900 Active 174 DOM
10. 2026-05-31
    days on market $129,900 Active 173 DOM
11. 2026-03-05
    price $129,900 1045-char remark

    Show marketing remark (1045 chars)

    Welcome to 14238 Hubble Street, a beautifully renovated home offering modern upgrades and worry-free living. This property has been fully remodeled from top to bottom, making it an excellent choice for homeowners and investors alike. Key Features: Brand-new flooring throughout the entire home New windows offering improved efficiency and natural light Completely new roof for long-term peace of mind Fresh paint, updated finishes, and modern touches in every room Spacious layout ideal for families or first-time buyers Clean, updated kitchen and refreshed bathroom spaces Spacious Living room in the front, and a double-door enclosed Family room in the back, for all the family gathering and entertainment. Large yard perfect for outdoor enjoyment Located near schools, parks, shopping, and major freeways Whether you're looking for a turnkey home or a strong investment opportunity, this property delivers exceptional value with all major updates already completed. Don't miss your chance to own this fully updated gem on Detroit's west side!

12. 2026-03-04
    price $129,900 1066-char remark

    Show marketing remark (1066 chars)

    Welcome to 14238 Hubble Street, a beautifully renovated home offering modern upgrades and worry-free living. This property has been fully remodeled from top to bottom, making it an excellent choice for homeowners and investors alike. Key Features: Brand-new flooring throughout the entire home New windows offering improved efficiency and natural light Completely new roof for long-term peace of mind Fresh paint, updated finishes, and modern touches in every room Spacious layout ideal for families or first-time buyers Clean, updated kitchen and refreshed bathroom spaces Spacious Living room in the front, and a double-door enclosed Family room in the back, for all the family gathering and entertainment. Large yard perfect for outdoor enjoyment Located near schools, parks, shopping, and major freeways Whether you're looking for a turnkey home or a strong investment opportunity, this property delivers exceptional value with all major updates already completed. Don’t miss your chance to own this fully updated gem on Detroit’s west side!

13. 2025-12-09
    listed $149,900 Active 1066-char remark

    Show marketing remark (1045 chars)

    Welcome to 14238 Hubble Street, a beautifully renovated home offering modern upgrades and worry-free living. This property has been fully remodeled from top to bottom, making it an excellent choice for homeowners and investors alike. Key Features: Brand-new flooring throughout the entire home New windows offering improved efficiency and natural light Completely new roof for long-term peace of mind Fresh paint, updated finishes, and modern touches in every room Spacious layout ideal for families or first-time buyers Clean, updated kitchen and refreshed bathroom spaces Spacious Living room in the front, and a double-door enclosed Family room in the back, for all the family gathering and entertainment. Large yard perfect for outdoor enjoyment Located near schools, parks, shopping, and major freeways Whether you're looking for a turnkey home or a strong investment opportunity, this property delivers exceptional value with all major updates already completed. Don't miss your chance to own this fully updated gem on Detroit's west side!

14. 2025-12-09
    listed $149,900 Active 1045-char remark

    Show marketing remark (1045 chars)

    Welcome to 14238 Hubble Street, a beautifully renovated home offering modern upgrades and worry-free living. This property has been fully remodeled from top to bottom, making it an excellent choice for homeowners and investors alike. Key Features: Brand-new flooring throughout the entire home New windows offering improved efficiency and natural light Completely new roof for long-term peace of mind Fresh paint, updated finishes, and modern touches in every room Spacious layout ideal for families or first-time buyers Clean, updated kitchen and refreshed bathroom spaces Spacious Living room in the front, and a double-door enclosed Family room in the back, for all the family gathering and entertainment. Large yard perfect for outdoor enjoyment Located near schools, parks, shopping, and major freeways Whether you're looking for a turnkey home or a strong investment opportunity, this property delivers exceptional value with all major updates already completed. Don't miss your chance to own this fully updated gem on Detroit's west side!

15. 2022-08-31
    soldstatus $1,000 Sold
16. 2022-08-31
    soldstatus $1,000 Closed
17. 2021-05-26
    status Pending
18. 2021-05-26
    status Pending
19. 2021-01-19
    listed $2,500 Active
20. 2021-01-19
    listed $2,500 Active
21. 2020-10-04
    historical
22. 2020-10-03
    historical
23. 2020-09-18
    price $2,500
24. 2020-09-17
    price $2,500
25. 2020-03-03
    listed $4,000 Active
26. 2020-03-03
    listed $4,000 Active

ⓘ 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: $717 · $60/mo
• Projected year-2 tax: $1,121 · $93/mo
• Expected delta: +$404/yr (+$34/mo · 56.4%)

ⓘ 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 ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,275
• − Mortgage interest: −$5,546
• − Property taxes: −$717
• − Insurance: −$495
• − Repairs & maintenance: −$1,382
• − Management: −$1,382
• − Depreciation: −$2,880
• Taxable income: $4,874
• Est. tax owed @ 24.0%: −$1,170
• After-tax cash flow: $5,036/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: Detroit Public Schools Community District
• NCES district ID: 2601103
• Math proficiency: 10% ▼ -2.00%
• Reading proficiency: 24% ▲ 6.00%
• Median HH income: $25,815
• Composite: 13.06/100
• National rank: #9564
• State rank: #499 of 540 in MI

Livability — Detroit

• Score: 73/100
• State rank: #218
• US rank: #5427

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Detroit, MI
• County: Wayne County · 1,562,939 people
• City population: 572,865
• Metro: Detroit-Warren-Dearborn, MI
• Population (ZIP): 40,302
• Household income: $36,527
• Rent vs Own: 40.9% rent · 59.1% own
• Severe rent burden: 2371.0

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 (95%)
• Race & ethnicity: Black 95% Two or more races 3% White 1%
• Foreign-born: 1%
• Languages at home: 98% English-only · Spanish 1% French/Haitian/Cajun 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: ▼ -125.00%
• Current HPI: 186.4158
• Rent YoY: ▲ 5.59%
• 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

+3147.5% since first listed

16 events — show timeline

• 2026-03-05 Price Changed $129,900 MiRealSource-MiMLS
• 2026-03-04 Price Changed $129,900 REALCOMP
• 2025-12-09 Listed $149,900 REALCOMP
• 2025-12-09 Listed $149,900 MiRealSource-MiMLS
• 2022-08-31 Sold (MLS) $1,000 MiRealSource-MiMLS
• 2022-08-31 Sold (MLS) $1,000 REALCOMP
• 2021-05-26 Pending — MiRealSource-MiMLS
• 2021-05-26 Pending — REALCOMP
• 2021-01-19 Listed $2,500 MiRealSource-MiMLS
• 2021-01-19 Listed $2,500 REALCOMP
• 2020-10-04 Listing Removed — REALCOMP
• 2020-10-03 Listing Removed — MiRealSource-MiMLS
• 2020-09-18 Price Changed $2,500 MiRealSource-MiMLS
• 2020-09-17 Price Changed $2,500 REALCOMP
• 2020-03-03 Listed $4,000 MiRealSource-MiMLS
• 2020-03-03 Listed $4,000 REALCOMP

Property tax history

+10.5%/yr

Latest (2025): $717 · +198.6% YoY. Source: county tax records.