19050 Baker Ave · Country Club Hills, IL 60478

$224,900

3 bd · 1.5 ba · 1,397 sqft · SingleFamily public records · 42 Days on market

Built 1961 0.30 ac lot Est $240k · 6% under ↓ 2% since listing

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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 +27.2/30.0
• ARV discount +10.4/15.0
• DSCR +9.5/10.0
• 1% rule +6.5/10.0
• 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

* BACK ON THE MARKET DUE TO NO FAULT OF THE SELLER * NEW ROOF 2025(with transferrable warranty), NEW FURNACE 2024, AND NEWER WATER HEATER. This meticulously maintained, 3 bed, 2 bath ranch offers a charming, vintage design and a beautifully manicured lawn. Every inch of the home reflects pride of ownership with custom built-in shelving thoughtfully added throughout-providing both character and practical storage in nearly every space. A standout feature is the detached 3-CAR GARAGE, offering ample room for vehicles, storage, or hobbies. The third bay has been thoughtfully converted into a WORKSHOP, yet the modified door, with built-in entry facade, can be easily removed returning it to an o

Key facts

• Abundant wildlife
• Manicured lawn
• Converted workshop

Tags

• MANICURED LAWN
• CUSTOM BUILT-IN SHELVING
• DETACHED GARAGE
• CONVERTED WORKSHOP
• SCENIC WALKING TRAILS
• ABUNDANT WILDLIFE

Property features AI

Finance

• Other: Fee simple ownership
• HOA & community: No master association fee required

Exterior

• Parking: Detached garage; Concrete driveway; Garage door opener; 3 parking spaces (3 garage spaces)
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; One-story
• Construction: Built 61–70 years ago; Aluminum siding; Asphalt roof; Not rebuilt or rehabbed
• Exterior features: Lot dimensions approximately 75 x 172; Lot less than 0.25 acre; County-recorded lot size

Interior

• Kitchen: Kitchen on main level (18 x 12)
• Bedrooms: 3 bedrooms (all on main level); Master bedroom on main level with a half bath; Bedroom 2 on main level (10 x 12); Bedroom 3 on main level (9 x 8); Bedroom 4 listed
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: 6 total rooms; School bus service; Interstate access
• Laundry & utility: Main-level laundry; Gas dryer hookup; Laundry room (6 x 7)

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $646 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $225k).
• Recommended offer: $218k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.7% 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; 8 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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $63k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($218k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $218,153 (3.0% below list)

Questions for the listing agent

1. It's been on market 42 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 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.15% ✓
• Cap rate: 9.74%
• Cash-on-cash: 12.31%
• DSCR: 1.55
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $240,284
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
19050 Baker Ave	0.00mi	3/1.5	1,397 (0%)	0mo	$225,000	$161	100
18921 John Ave	0.17mi	3/1.0	1,414 (+1%)	0mo	$107,500	$76	88
19011 John Ave	0.12mi	3/1.0	1,375 (-2%)	12mo	$168,000	$122	80
18741 Cicero Ave	0.51mi	3/1.0	1,400 (+0%)	4mo	$90,000	$64	70
19020 Cypress Ave	0.43mi	3/3.0	1,326 (-5%)	7mo	$283,000	$213	60
4601 188th St	0.31mi	3/1.5	1,199 (-14%)	5mo	$80,000	$67	57
4215 188th St	0.44mi	3/2.0	1,529 (+9%)	5mo	$267,000	$175	57
4211 190th Pl	0.28mi	3/2.0	1,560 (+12%)	10mo	$267,732	$172	57
4160 188th St	0.50mi	3/3.0	1,326 (-5%)	7mo	$239,000	$180	56
4640 185th Pl	0.71mi	3/2.0	1,350 (-3%)	6mo	$239,900	$178	54
18731 John Ave	0.38mi	4/2.0 (+1)	1,575 (+13%)	11mo	$239,900	$152	45
18521 Cicero Ave	0.75mi	3/2.0	1,500 (+7%)	9mo	$260,000	$173	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 1.9%
• Equity multiple: 1.07×
• Total profit: $4,632
• Equity at exit: $33,533

10-year hold

• IRR: 11.5%
• Equity multiple: 1.90×
• Total profit: $56,756
• Equity at exit: $19,445

Cash invested: $62,972 (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: 7.3×

Monthly cashflow live

• Estimated rent: $2,579 high
• Mortgage (P&I): −$1,179
• Tax from tax record: −$119 /mo · $1,426/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$542
• Net cashflow: $646

Break-even live

Break-even rent $1,762

Max offer price $224,900

Occupancy floor 70%

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: $56,225
• Closing costs: $6,747
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
18960 Keeler Ave Country Club Hills, IL	4.0	2.0	1537	$2,650	$1.72	1d	1	0.31mi
4193 186th St Country Club Hills, IL	4.0	2.5	1704	$3,200	$1.88	1d	1	0.69mi
2256 Windsor Ln Country Club Hills, IL	3.0	1.0	1212	$2,250	$1.86	1d	1	0.81mi
4453 Provincetown Dr Country Club Hills, IL	3.0	2.5	1300	$2,500	$1.92	1d	1	0.81mi
1153 Williamsburg Rd Country Club Hills, IL	2.0	1.5	1216	$1,900	$1.56	1d	1	0.87mi
18019 Ravisloe Ter Country Club Hills, IL	3.0	1.5	1150	$2,800	$2.43	1d	1	1.34mi
4962 Bennett St Matteson, IL	2.0–3.0	2.5	1341	$3,120	$2.33	1d	7	1.36mi
17984 Amherst Ct Country Club Hills, IL	2.0	1.0	1000	$1,900	$1.90	1d	1	1.46mi

Listing history 14 events

1. 2026-06-10
   status $224,900 Pending 42 DOM
2. 2026-06-09
   days on market $224,900 Contingent - No Showings 42 DOM
3. 2026-06-08
   days on market $224,900 Contingent - No Showings 41 DOM
4. 2026-06-07
   days on market $224,900 Contingent - No Showings 40 DOM
5. 2026-06-04
   days on market $224,900 Contingent - No Showings 37 DOM
6. 2026-06-03
   days on market $224,900 Contingent - No Showings 36 DOM
7. 2026-06-02
   days on market $224,900 Contingent - No Showings 35 DOM
8. 2026-06-01
   days on market $224,900 Contingent - No Showings 34 DOM
9. 2026-05-31
   days on market $224,900 Contingent - No Showings 33 DOM
10. 2026-05-14
    historical Contingent - No Showings
11. 2026-05-08
    status Active
12. 2026-05-08
    price $224,900
13. 2026-05-05
    historical Contingent - Continue to Show
14. 2026-04-28
    listed $230,000 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 IL · Partial reset (capped growth)

• Current annual tax: $1,426 · $119/mo
• Projected year-2 tax: $3,265 · $272/mo
• Expected delta: +$1,840/yr (+$153/mo · 129.1%)

ⓘ 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: $30,954
• − Mortgage interest: −$12,598
• − Property taxes: −$1,426
• − Insurance: −$1,124
• − Repairs & maintenance: −$2,476
• − Management: −$2,476
• − Depreciation: −$6,543
• Taxable income: $4,311
• Est. tax owed @ 24.0%: −$1,035
• After-tax cash flow: $6,716/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

-2.2% since first listed

5 events — show timeline

• 2026-05-14 Contingent — MRED as Distributed by MLS Grid
• 2026-05-08 Relisted — MRED as Distributed by MLS Grid
• 2026-05-08 Price Changed $224,900 MRED as Distributed by MLS Grid
• 2026-05-05 Contingent — MRED as Distributed by MLS Grid
• 2026-04-28 Listed $230,000 MRED as Distributed by MLS Grid

Property tax history

-4.5%/yr

Latest (2023): $1,426 · -8.4% YoY. Source: county tax records.