14637 Kenwood Ave · Dolton, IL 60419

$122,000

3 bd · 2.5 ba · 1,786 sqft · SingleFamily public records · 159 Days on market

Built 1957 4,920 sqft lot Est $221k · 45% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Rent growth +4.9/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

Key facts

• 4,920 sq ft lot
• 2 garage spots
• Built 1957

Property features AI

Finance

• HOA & community: No master association fees required

Exterior

• Parking: Detached garage with 2 garage spaces (2 total parking spaces)
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; 2-story construction; Fee simple ownership
• Construction: Built 61–70 years ago; Contains materials including aluminum, vinyl and steel siding, and brick
• Exterior features: Lot approximately 40 x 123; Less than 0.25 acre lot

Interior

• Kitchen: Kitchen on main level
• Bedrooms: 5 bedrooms (Master on main; additional bedrooms on second level)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Crawl space basement; Nine total rooms
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $122k.

Deal economics

• At list price, monthly cash flow is $877 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $122k).
• Recommended offer: $107k (12.0% below list) — sets the bar for market timing.
• Cap rate 14.9% vs local median 9.3% in Dolton — 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 74/100 on livability (#263 in IL, #4,883 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: employment C-, health & safety C-, schools F.
• Thornton Twp Hsd 205 (suburban): math 7% / reading 8% proficiency, ranked #594 of 620 in IL (top 96%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+9.7%/yr); 130 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• At $2,560/mo this rent would consume 53% of the median local household income ($58k/yr) (locally 919% 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 $843 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $34k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 159 days — a 12% lower offer ($107k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 17y 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.
• Current owner paid $27k; list at $122k implies a 360% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.5% of price; built in 1957 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $107,360 (12.0% below list)

Questions for the listing agent

1. It's been on market 159 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 2.10% ✓
• Cap rate: 14.92%
• Cash-on-cash: 30.80%
• DSCR: 2.37
• GRM: 4.0

CMA / ARV

• ARV (on-the-fly): $221,464
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14409 Kimbark Ave	0.32mi	3/1.5	1,825 (+2%)	7mo	$225,000	$123	72
14610 Lincoln Ave	0.52mi	3/2.0	1,747 (-2%)	9mo	$187,000	$107	62
14300 University Ave	0.53mi	3/2.0	1,728 (-3%)	10mo	$215,000	$124	60
14716 Dante Ave	0.13mi	3/1.5	1,527 (-14%)	10mo	$228,000	$149	58
403 Clyde Ave	0.73mi	4/2.0 (+1)	1,800 (+1%)	4mo	$57,000	$32	54
15134 Hastings Dr	0.65mi	3/2.5	1,634 (-8%)	6mo	$122,100	$75	51
15126 S Sunset Dr	0.60mi	3/1.5	1,635 (-8%)	9mo	$137,000	$84	46
14227 Woodlawn Ave	0.56mi	4/2.0 (+1)	2,000 (+12%)	2mo	$249,000	$125	45
375 Chappel Ave	0.65mi	4/2.0 (+1)	1,644 (-8%)	7mo	$277,000	$168	43
15203 Waterman Dr	0.74mi	3/2.0	1,548 (-13%)	0mo	$280,000	$181	41
15125 Waterman Dr	0.72mi	3/2.0	1,592 (-11%)	10mo	$238,000	$149	38
351 Clyde Ave	0.70mi	4/2.0 (+1)	1,581 (-12%)	5mo	$88,000	$56	37

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 32.1%
• Equity multiple: 2.46×
• Total profit: $49,828
• Equity at exit: $18,191

10-year hold

• IRR: 42.3%
• Equity multiple: 6.20×
• Total profit: $177,794
• Equity at exit: $10,548

Cash invested: $34,160 (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 60419

• Home prices YoY: -25.7%
• Rents YoY: 9.7%
• Active inventory: 130
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $2,560 high
• Mortgage (P&I): −$640
• Tax from tax record: −$455 /mo · $5,464/yr
• Insurance: −$51
• HOA: −$0
• Vacancy / Maint / Mgmt: −$538
• Net cashflow: $877

Break-even live

Break-even rent $1,451

Max offer price $122,000

Occupancy floor 61%

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: $30,500
• Closing costs: $3,660
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14716 Dorchester Ave Dolton, IL	3.0	2.0	1250	$2,800	$2.24	19d	1	0.11mi
1429 Kasten Dr Dolton, IL	3.0	1.0	1600	$2,500	$1.56	1d	1	0.15mi
14433 Woodlawn Ave Dolton, IL	4.0	2.0	1300	$2,000	$1.54	18d	1	0.30mi
14505 Minerva Ave Dolton, IL	4.0	2.0	2100	$2,500	$1.19	24d	1	0.37mi
15231 Hastings Dr Dolton, IL	4.0	1.5	1487	$2,146	$1.44	7d	1	0.79mi
14916 Langley Ave Dolton, IL	3.0	1.5	1418	$2,500	$1.76	24d	1	0.93mi
1645 Downs Dr Calumet City, IL	3.0	2.0	2000	$2,500	$1.25	1d	1	0.96mi
660 Clyde Ave Calumet City, IL	3.0	1.5	1400	$1,750	$1.25	3d	1	1.08mi
15400 Merrill Ave South Holland, IL	4.0	2.0	1508	$3,330	$2.21	22d	1	1.16mi
659 Paxton Ave Calumet City, IL	3.0	2.0	1255	$2,461	$1.96	10d	1	1.19mi
15707 Dante Dr South Holland, IL	3.0	2.0	1800	$2,950	$1.64	2d	1	1.30mi

Listing history 26 events

1. 2026-06-18
   days on market $122,000 Active 159 DOM
2. 2026-06-17
   days on market $122,000 Active 158 DOM
3. 2026-06-16
   days on market $122,000 Active 157 DOM
4. 2026-06-15
   days on market $122,000 Active 156 DOM
5. 2026-06-13
   days on market $122,000 Active 154 DOM
6. 2026-06-13
   days on market $122,000 Active 153 DOM
7. 2026-06-09
   days on market $122,000 Active 150 DOM
8. 2026-06-08
   days on market $122,000 Active 149 DOM
9. 2026-06-07
   days on market $122,000 Active 148 DOM
10. 2026-06-04
    days on market $122,000 Active 145 DOM
11. 2026-06-03
    days on market $122,000 Active 144 DOM
12. 2026-06-02
    days on market $122,000 Active 143 DOM
13. 2026-06-01
    days on market $122,000 Active 142 DOM
14. 2026-05-31
    days on market $122,000 Active 141 DOM
15. 2026-04-03
    status Active
16. 2026-03-31
    historical
17. 2026-01-07
    listed $122,000 Active
18. 2026-01-07
    historical
19. 2025-09-26
    listed Active
20. 2010-01-08
    soldstatus $26,507 Closed Sale 365-char remark

    Show marketing remark (365 chars)

    HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

21. 2009-09-02
    status Pending 365-char remark

    Show marketing remark (365 chars)

    HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

22. 2009-07-31
    price $40,000 Price Change 365-char remark

    Show marketing remark (365 chars)

    HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

23. 2009-07-01
    status Active 365-char remark

    Show marketing remark (365 chars)

    HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

24. 2009-06-30
    historical 365-char remark

    Show marketing remark (365 chars)

    HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

25. 2009-06-19
    listed $45,000 365-char remark

    Show marketing remark (365 chars)

    HUD FORECLOSURE SALE! CASE#131985137 SOLD"AS IS". INSURED STATUS:UI. HUD ELEC AUCTION. USE HUD KEY. DISCLSR INCLD LBP, PROP COND REPORT, BID & PROC. SEE SHOW INSTR. EVID OF LBP; EVID OF POSS MOLD; EVIDENCE OF WOOD DESTROYING ORGANISM; DAMAGE TO GARAGE WALLS; REPLACE FINISHED FLOORING; REPAIR DAMAGED CEILINGS AND COVER ELECTRICAL PANEL. L/D 7.31.09

26. 1993-04-16
    soldstatus $75,000

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

Tax reassessment forecast IL · Partial reset (capped growth)

• Current annual tax: $5,464 · $455/mo
• Projected year-2 tax: $5,464 · $455/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate 4 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,725
• − Mortgage interest: −$6,834
• − Property taxes: −$5,464
• − Insurance: −$610
• − Repairs & maintenance: −$2,458
• − Management: −$2,458
• − Depreciation: −$3,549
• Taxable income: $9,352
• Est. tax owed @ 24.0%: −$2,244
• After-tax cash flow: $8,277/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: Thornton Twp Hsd 205
• NCES district ID: 1738970
• Math proficiency: 7% ▬ 0.00%
• Reading proficiency: 8% ▼ -2.00%
• Median HH income: $43,392
• Composite: 6.92/100
• National rank: #9976
• State rank: #594 of 620 in IL

Livability — Dolton

• Score: 74/100
• State rank: #263
• US rank: #4883

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Dolton, IL
• County: Cook County · 4,486,803 people
• City population: 20,825
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 20,825
• Household income: $57,887
• Rent vs Own: 27.4% rent · 72.6% own
• Severe rent burden: 919.0

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 (91%)
• Race & ethnicity: Black 91% White 4% Two or more races 3% Hispanic / Latino 1%
• Common ancestry: Romanian 1% Hispanic 1%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · French/Haitian/Cajun 2% Spanish 1%

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: ▼ -66.88%
• Current HPI: 193.2346
• Rent YoY: ▲ 9.65%
• 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

+62.7% since first listed

12 events — show timeline

• 2026-04-03 Relisted — MRED as Distributed by MLS Grid
• 2026-03-31 Listing Removed — MRED as Distributed by MLS Grid
• 2026-01-07 Listing Removed — MRED as Distributed by MLS Grid
• 2026-01-07 Listed $122,000 MRED as Distributed by MLS Grid
• 2025-09-26 Listed — MRED as Distributed by MLS Grid
• 2010-01-08 Sold (MLS) $26,507 MRED as Distributed by MLS Grid
• 2009-09-02 Pending — MRED as Distributed by MLS Grid
• 2009-07-31 Price Changed $40,000 MRED as Distributed by MLS Grid
• 2009-07-01 Relisted — MRED as Distributed by MLS Grid
• 2009-06-30 Listing Removed — MRED as Distributed by MLS Grid
• 2009-06-19 Listed $45,000 MRED as Distributed by MLS Grid
• 1993-04-16 Sold (Public Records) $75,000 Public Records

Property tax history

+3.1%/yr

Latest (2023): $5,464 · +11.9% YoY. Source: county tax records.