N350 County Farm Rd · Winfield, IL 60190

$374,000

5 bd · 1.5 ba · 2,000 sqft · SingleFamily · 40 Days on market

Built 1912 Fair condition 0.53 ac lot Est $492k · 24% under ↓ 3% 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 +16.9/30.0
• ARV discount +15.0/15.0
• DSCR +5.3/10.0
• 1% rule +4.6/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.2/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks

Unlock the potential of this hidden gem in one of DuPage County's most sought-after locations! Sitting on a rare half-acre lot, this spacious 5-bedroom, 2-bath home offers over 2,000 square feet of living space and an incredible opportunity to create something truly special. From the generous layout to the oversized yard, this property is packed with possibilities for buyers looking to add their own style and build instant equity. While the home does need some TLC inside, the value, space, and location make this an opportunity you simply do not see often. Whether you're an investor, rehabber, or homeowner with a vision, this property has all the ingredients to become a standout home once ag

Key facts

• Oversized yard
• Half acre lot
• 0.53 acre lot

Tags

• HALF ACRE LOT
• OVERSIZED YARD

Property features AI

Finance

• Other: Possession at closing; Earnest money held
• HOA & community: No master association fee required

Exterior

• Parking: Detached garage (owned), 2 garage spaces, 2 total parking spaces
• Utilities: Public water; Septic tank sewer
• Home design: Detached single-family home; 2-story design; Fee simple ownership; Estimated living area; Property over 100 years old; Built before 1978
• Construction: Aluminum siding with frame construction
• Exterior features: Lot dimensions approximately 80 x 202 x 80 x 197; Lot between 0.50 and 0.99 acre

Interior

• Kitchen: Kitchen on main level (18 x 6)
• Bedrooms: 5 bedrooms total; Master bedroom on main level (15 x 12); Bedroom 2 on second level (15 x 11); Bedroom 3 on second level (13 x 11); Bedroom 4 on main level (13 x 10); Bedroom 5 on second level (14 x 9)
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Natural gas heating
• Interior features: 8 total rooms; Unfinished full basement
• Laundry & utility: Main-level laundry room (9 x 6)

What this means for you Summary

Snapshot

• This is a 5-bed/1.5-bath single-family listed at $374k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $246 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $358k (4.2% below list).
• Recommended offer: $358k (4.2% below list) — sets the bar for 1% rule.
• Cap rate 7.1% vs local median 3.2% in Winfield — 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 (#88 in IL, #1,455 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, cost of living F.
• Chsd 94 (suburban): math 20% / reading 21% proficiency, ranked #378 of 620 in IL (top 61%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Winfield Primary School (93 students, 0% FRL); Winfield Central School (math 42% / reading 42%, grade D-, #116 of 665 statewide, top 19%, 213 students, 0% FRL); West Chicago Comm High School (math 20% / reading 21%, grade F, #350 of 693 statewide, top 51%, 2,076 students, 0% FRL).
• Market conditions: 21 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 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 $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 40 days — a 3% lower offer ($363k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1912 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $358,292 (4.2% below list)

Questions for the listing agent

1. It's been on market 40 days. Have you received any prior offers? Is the seller open to a 4% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1912 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.96% ✗
• Cap rate: 7.08%
• Cash-on-cash: 2.82%
• DSCR: 1.13
• GRM: 8.7

CMA / ARV

• ARV (on-the-fly): $492,000
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
27W160 Oakwood St	0.10mi	4/2.5 (-1)	2,096 (+5%)	0mo	$515,000	$246	78
27W170 Fleming Dr	0.17mi	4/2.5 (-1)	2,092 (+5%)	1mo	$506,000	$242	75
26W554 Jewell Rd	0.28mi	4/2.5 (-1)	2,098 (+5%)	10mo	$499,900	$238	62
0S579 Robbins St	0.57mi	4/2.5 (-1)	2,010 (+0%)	3mo	$500,000	$249	61
27W343 Churchill Rd	0.41mi	4/2.5 (-1)	2,167 (+8%)	0mo	$557,000	$257	58
27W277 Waterford Dr	0.41mi	4/2.5 (-1)	2,134 (+7%)	8mo	$550,000	$258	54
1N027 Ethel St	0.62mi	4/2.0 (-1)	2,055 (+3%)	7mo	$408,000	$199	53
0N421 Winfield Scott Dr	0.36mi	4/2.5 (-1)	2,276 (+14%)	1mo	$442,600	$194	50
27W412 Chartwell Dr	0.51mi	4/2.5 (-1)	2,190 (+10%)	1mo	$495,000	$226	50
27W214 Heather Ln	0.44mi	4/3.0 (-1)	2,229 (+12%)	2mo	$580,000	$260	48
27W375 Oakwood St	0.37mi	4/3.0 (-1)	2,232 (+12%)	7mo	$530,000	$237	46
S085 Pleasant Hill Rd	0.63mi	4/2.5 (-1)	2,098 (+5%)	10mo	$549,000	$262	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.8%
• Equity multiple: 0.57×
• Total profit: $-44,890
• Equity at exit: $55,765

10-year hold

• IRR: -2.6%
• Equity multiple: 0.82×
• Total profit: $-18,705
• Equity at exit: $32,337

Cash invested: $104,720 (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 60190

• Home prices YoY: -32.2%
• Active inventory: 21
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $3,583 medium
• Mortgage (P&I): −$1,961
• Tax est. 1.5%: −$468 /mo · $5,610/yr
• Insurance: −$156
• HOA: −$0
• Vacancy / Maint / Mgmt: −$752
• Net cashflow: $246

Break-even live

Break-even rent $3,272

Max offer price $374,000

Occupancy floor 88%

Sensitivity live

Price	-10% $504	-5% $375	+0% $246	+5% $117	+10% $-13
Rent	-10% $-37	-5% $104	+0% $246	+5% $387	+10% $529
Rate	-1.0pp $434	-0.5pp $341	base $246	+0.5pp $149	+1.0pp $50

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: $93,500
• Closing costs: $11,220
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
244 Knoll St Wheaton, IL	4.0	3.5	2198	$3,650	$1.66	0d	1	1.09mi
1N061 Mission Ct Winfield, IL	4.0	2.5	2208	$3,500	$1.59	0d	1	1.34mi

Listing history 16 events

1. 2026-06-21
   days on market $374,000 Active 40 DOM
2. 2026-06-18
   days on market $374,000 Active 37 DOM
3. 2026-06-17
   days on market $374,000 Active 36 DOM
4. 2026-06-16
   days on market $374,000 Active 35 DOM
5. 2026-06-15
   days on market $374,000 Active 34 DOM
6. 2026-06-13
   days on market $374,000 Active 32 DOM
7. 2026-06-09
   days on market $374,000 Active 28 DOM
8. 2026-06-08
   days on market $374,000 Active 27 DOM
9. 2026-06-07
   days on market $374,000 Active 26 DOM
10. 2026-06-04
    pricedays on market $374,000 Active 23 DOM
11. 2026-06-03
    days on market $389,000 Active 22 DOM
12. 2026-06-02
    days on market $389,000 Active 21 DOM
13. 2026-06-01
    days on market $389,000 Active 20 DOM
14. 2026-05-31
    days on market $389,000 Active 19 DOM
15. 2026-05-15
    price $399,000
16. 2026-05-12
    listed $410,000 Active

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

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 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $42,995
• − Mortgage interest: −$20,950
• − Property taxes: −$5,610
• − Insurance: −$1,870
• − Repairs & maintenance: −$3,440
• − Management: −$3,440
• − Depreciation: −$10,880
• Taxable loss: −$3,194
• Est. tax savings @ 24.0%: +$767
• After-tax cash flow: $3,717/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.

Condition & rehab AI · 13 photos

Fair 45/100 Moderate rehab

This home requires moderate renovations to update the kitchen and bathrooms, touch up paint, and improve landscaping. With these updates, it has the potential to become a move-in-ready property with increased resale and rental value.

Repairs flagged

• Moderate Kitchen cabinets — Cabinets are worn and need updating.
• Moderate Bathroom fixtures — Fixtures appear old and need replacement.
• Moderate Paint — Paint is chipped and worn in some areas, requiring touch-ups or repainting.
• Minor Landscaping — Landscaping is green but not landscaped for curb appeal, requiring some attention.

Value-add opportunities

• Resale Kitchen renovation — Updating the kitchen will attract more buyers and increase its value.
• Resale Bathroom renovation — Renovating the bathroom will improve the home's appeal and functionality.
• Both Painting — Painting will improve the home's curb appeal and interior aesthetics.
• Both Landscaping — Landscaping will enhance the home's curb appeal and increase its rental value.
• Both HVAC maintenance — Maintaining the HVAC system will improve comfort and energy efficiency, attracting more buyers and renters.

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · Cabinets are worn and need updating.	Moderate	$3,000–15,000
Bathroom fixtures · Fixtures appear old and need replacement.	Moderate	$3,000–15,000
Paint · Paint is chipped and worn in some areas, requiring touch-ups or repainting.	Moderate	$3,000–15,000
Landscaping · Landscaping is green but not landscaped for curb appeal, requiring some attention.	Minor	$500–3,000
Total estimated repair cost · 4 items		$9,500–48,000

Value-add ROI direction

• Resale Kitchen renovation — Updating the kitchen will attract more buyers and increase its value. ↑
• Resale Bathroom renovation — Renovating the bathroom will improve the home's appeal and functionality. ↑
• Both Painting — Painting will improve the home's curb appeal and interior aesthetics. ↑
• Both Landscaping — Landscaping will enhance the home's curb appeal and increase its rental value. ↑
• Both HVAC maintenance — Maintaining the HVAC system will improve comfort and energy efficiency, attracting more buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Chsd 94
• NCES district ID: 1740440
• Math proficiency: 20% ▼ -8.00%
• Reading proficiency: 21% ▼ -7.00%
• Median HH income: $64,377
• Composite: 19.71/100
• National rank: #8719
• State rank: #378 of 620 in IL

Livability — Winfield

• Score: 81/100
• State rank: #88
• US rank: #1455

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Winfield, IL
• City population: 11,931
• Population (ZIP): 11,931

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: Predominantly White (78%)
• Race & ethnicity: White 78% Hispanic / Latino 13% Two or more races 8% Asian 5% Black 2%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Romanian 11% Slovak 3% Italian 3%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 85% English-only · Spanish 9% Other Indo-European 2% Arabic 1%

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: ▼ -95.50%
• Current HPI: 201.3501
• 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

-2.7% since first listed

2 events — show timeline

• 2026-05-15 Price Changed $399,000 MRED as Distributed by MLS Grid
• 2026-05-12 Listed $410,000 MRED as Distributed by MLS Grid