1295 Oriole Trl · Carol Stream, IL 60188

$334,900

3 bd · 2.0 ba · 1,423 sqft · SingleFamily public records · 40 Days on market

Built 1990 Est $376k · 11% under

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Why this score? — see what drove the D- 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).

• ARV discount +12.4/15.0
• Cash flow +8.9/30.0
• Livability +4.0/5.0
• Rent growth +3.4/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

& quot; AS IS& quot; but NEWLY RENOVATED, CHECK OUT THE PICTURES!!! Modernized house with new luxury flooring from first floor to the second floor, new bathrooms, new beautiful white tiles, new kitchen modern design cabinets, new appliances, new modern quartz countertops, newly painted, recessed lightings with night light mode, new ceiling fans. Almost all new materials inside. Come and see this beautiful newly renovated townhome and feel the modern vibe inside. Great for small-medium size family, with ample size rooms. And you can& apos; t go wrong with the extended family room, the deck, and a fenced yard. Located in Carol Stream area with NO HOA, minutes to all the amenities

Key facts

• New ceiling fans
• New appliances
• New luxury flooring

Tags

• NEWLY RENOVATED
• NEW LUXURY FLOORING
• NEW BATHROOMS
• NEW APPLIANCES
• NEW MODERN QUARTZ COUNTERTOPS
• NEW CEILING FANS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-272 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $287k (14.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $257k (23.2% below list).
• Recommended offer: $257k (23.2% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 3.6% in Carol Stream — 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 80/100 on livability (#112 in IL, #1,808 nationally) — a professional / high-income tenant draw. Strengths: crime A+, commute A+, employment A+; Watch: amenities F, health & safety F.
• SD U-46 (suburban): math 19% / reading 20% proficiency, ranked #386 of 620 in IL (top 62%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Spring Trail Elementary School (math 37% / reading 32%, grade F, #517 of 2,056 statewide, top 28%, 430 students, 0% FRL); Eastview Middle School (math 33% / reading 36%, grade F, #201 of 665 statewide, top 31%, 725 students, 0% FRL); Bartlett High School (math 27% / reading 31%, grade F, #210 of 693 statewide, top 30%, 2,122 students, 0% FRL) — zoned schools average 0% FRL vs 52% district-wide (52 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 33% at this address vs 20% district-wide (+13 pts) — the actual schools serving this property are materially stronger than the SD U-46 average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising (+3.4%/yr); 60 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,378 units permitted in DuPage County in 2024 (594 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 $10k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($325k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $204k; list at $335k implies a 64% gain — meaningful room to come down on a strong offer.

Recommended offer $257,042 (23.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.77% ✗
• Cap rate: 5.32%
• Cash-on-cash: -3.48%
• DSCR: 0.84
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $375,672
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1106 Pheasant Trl	0.16mi	3/2.0	1,510 (+6%)	4mo	$385,000	$255	79
1146 Pheasant Trl	0.09mi	3/2.0	1,510 (+6%)	10mo	$379,900	$252	78
1270 Chattanooga Trl	0.17mi	3/2.0	1,362 (-4%)	11mo	$332,000	$244	76
1191 Narragansett Dr	0.28mi	3/1.5	1,404 (-1%)	12mo	$372,000	$265	73
733 Cypress Ln	0.64mi	3/1.5	1,458 (+2%)	1mo	$418,000	$287	63
736 Cypress Ln	0.66mi	3/1.5	1,458 (+2%)	2mo	$385,000	$264	61
1326 Narragansett Dr	0.56mi	3/1.5	1,447 (+2%)	12mo	$390,000	$270	59
751 Cypress Ln	0.65mi	3/1.5	1,460 (+3%)	7mo	$385,000	$264	58
1304 Yorkshire Ln	0.59mi	3/1.5	1,535 (+8%)	4mo	$380,000	$248	54
1192 Brookstone Dr	0.33mi	3/1.5	1,628 (+14%)	12mo	$383,000	$235	49
1353 Spring Valley Dr	0.56mi	3/1.5	1,225 (-14%)	2mo	$341,500	$279	47
1388 Bow String Ct	0.58mi	3/1.5	1,613 (+13%)	4mo	$368,000	$228	45

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 · 3.4% rent growth · sell at horizon

5-year hold

• IRR: -21.7%
• Equity multiple: 0.25×
• Total profit: $-70,537
• Equity at exit: $49,935

10-year hold

• IRR: -14.5%
• Equity multiple: 0.15×
• Total profit: $-79,323
• Equity at exit: $28,956

Cash invested: $93,772 (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 60188

• Rents YoY: 3.4%
• Active inventory: 60
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,570 high
• Mortgage (P&I): −$1,756
• Tax from tax record: −$407 /mo · $4,885/yr
• Insurance: −$140
• HOA: −$0
• Vacancy / Maint / Mgmt: −$540
• Net cashflow: $-272

Break-even live

Break-even rent $2,915

Max offer price $286,808

Occupancy floor —

Sensitivity live

Price	-10% $-83	-5% $-177	+0% $-272	+5% $-367	+10% $-462
Rent	-10% $-475	-5% $-374	+0% $-272	+5% $-171	+10% $-69
Rate	-1.0pp $-104	-0.5pp $-187	base $-272	+0.5pp $-359	+1.0pp $-447

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: $83,725
• Closing costs: $10,047
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
802 Burning Trl Carol Stream, IL	3.0	2.0	1552	$3,390	$2.18	0d	1	0.56mi
1447 Big Horn Trl Carol Stream, IL	3.0	1.5	1292	$2,200	$1.70	45d	1	0.61mi
1334 Gloucester Cir Carol Stream, IL	3.0	2.5	1640	$2,600	$1.59	5d	1	0.67mi
1353 Ridgefield Cir Unit 1353 Carol Stream, IL	2.0	2.5	1336	$2,495	$1.87	26d	1	0.78mi
1305 Coldspring Rd Carol Stream, IL	2.0	2.5	1337	$2,400	$1.80	26d	1	0.86mi
826 River Dr Carol Stream, IL	3.0	2.0	1520	$2,800	$1.84	12d	1	0.91mi
417 Cobbler Ct #2 Bartlett, IL	2.0	2.0	1458	$2,650	$1.82	0d	1	0.99mi
2192 Wildwood Ln Unit 1 Hanover Park, IL	2.0	1.0	1010	$2,400	$2.38	9d	1	1.11mi
1954 Nautilus Ln Hanover Park, IL	3.0	2.0	1736	$2,550	$1.47	4d	1	1.13mi
572 Oswego Dr Carol Stream, IL	3.0	1.5	1622	$2,500	$1.54	5d	1	1.20mi
1831 Nautilus Ln Hanover Park, IL	3.0	2.0	1736	$2,400	$1.38	1d	1	1.21mi
1831 Nautilus Ln Hanover Park, IL	3.0	2.0	1736	$2,400	$1.38	16d	1	1.21mi
1870 Grosse Pointe Cir Hanover Park, IL	2.0	3.0	1248	$3,100	$2.48	12d	1	1.21mi
3738 Dory Cir E Hanover Park, IL	3.0	2.5	1650	$2,450	$1.48	6d	1	1.40mi
460 Mayflower Ln Unit 1 Bartlett, IL	2.0	2.0	1202	$2,700	$2.25	45d	1	1.48mi

Listing history 17 events

1. 2026-06-21
   days on market $334,900 Active 40 DOM
2. 2026-06-18
   days on market $334,900 Active 37 DOM
3. 2026-06-17
   days on market $334,900 Active 36 DOM
4. 2026-06-16
   days on market $334,900 Active 35 DOM
5. 2026-06-15
   days on market $334,900 Active 34 DOM
6. 2026-06-13
   days on market $334,900 Active 32 DOM
7. 2026-06-09
   days on market $334,900 Active 28 DOM
8. 2026-06-08
   days on market $334,900 Active 27 DOM
9. 2026-06-07
   days on market $334,900 Active 26 DOM
10. 2026-06-04
    days on market $334,900 Active 23 DOM
11. 2026-06-03
    days on market $334,900 Active 22 DOM
12. 2026-06-02
    days on market $334,900 Active 21 DOM
13. 2026-06-01
    days on market $334,900 Active 20 DOM
14. 2026-05-31
    days on market $334,900 Active 19 DOM
15. 2026-05-12
    listed $334,900 Active 852-char remark
16. 2005-06-28
    soldstatus $204,000
17. 1989-05-01
    soldstatus $19,800

ⓘ 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: $4,885 · $407/mo
• Projected year-2 tax: $6,244 · $520/mo
• Expected delta: +$1,359/yr (+$113/mo · 27.8%)

ⓘ 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 3/10 Moderate 7 d/yr ≥102°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,845
• − Mortgage interest: −$18,760
• − Property taxes: −$4,885
• − Insurance: −$1,674
• − Repairs & maintenance: −$2,468
• − Management: −$2,468
• − Depreciation: −$9,743
• Taxable loss: −$9,152
• Est. tax savings @ 24.0%: +$2,196
• After-tax cash flow: $-1,070/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: SD U-46
• NCES district ID: 1713710
• Math proficiency: 19% ▼ -7.00%
• Reading proficiency: 20% ▼ -7.00%
• Median HH income: $69,757
• Composite: 19.39/100
• National rank: #8783
• State rank: #386 of 620 in IL

Livability — Carol Stream

• Score: 80/100
• State rank: #112
• US rank: #1808

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Carol Stream, IL
• County: DuPage County · 904,569 people
• City population: 42,307
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 42,307
• Household income: $103,628
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 824.0

Population outlook (DuPage County) Hauer SSP2

• Today (2025): 960,187 people
• By 2030: 965,850 · +0.6%
• By 2040: 965,812 · +0.6%
• By 2050: 954,890 · -0.6%
• By 2075: 910,185 · -5.2%
• By 2100: 816,255 · -15.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: White 52% Asian 19% Hispanic / Latino 18% Two or more races 10% Black 6%
• Hispanic origin (detail): Mexican 12% Puerto Rican 1%
• Common ancestry: Romanian 9% Italian 2% Slovak 1%
• Foreign-born: 28% · Canada, Vietnam, Jamaica
• Languages at home: 61% English-only · Spanish 15% Other Indo-European 12% Russian/Polish/Slavic 4%

Political lean MEDSL · DuPage

• 2024 margin: D (+13.3) · D 55.9% · R 42.5% · Other 1.6%
• 2008→2024 swing: +2.5pp toward D · 2008: 10.8pp · 2024: 13.3pp
• All cycles: 2024: D+13.3 2020: D+18.1 2016: D+14.1 2012: D+1.0 2008: D+10.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -266.54%
• Current HPI: 212.0255
• Rent YoY: ▲ 3.40%
• 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
▸Insurance	4	$201B
▸Consumer Goods	4	$87B
▸Industrial Machinery	3	$64B
▸Healthcare	2	$55B
▸Retail / Pharmacy	1	$148B
▸Agriculture / Food	1	$86B

Price history

+1591.4% since first listed

3 events — show timeline

• 2026-05-12 Listed $334,900 FSBO.com
• 2005-06-28 Sold (Public Records) $204,000 Public Records
• 1989-05-01 Sold (Public Records) $19,800 Public Records

Property tax history

+2.5%/yr

Latest (2017): $4,885 · +1.4% YoY. Source: county tax records.