219 Lasalle St St · Streator, IL 61364

$109,000

3 bd · 2.0 ba · 1,558 sqft · SingleFamily public records

Built 1900 6,534 sqft lot Est $137k · 20% 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 +27.4/30.0
• ARV discount +15.0/15.0
• DSCR +9.6/10.0
• 1% rule +9.4/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Home with 3-4 bedrooms, 1.5 baths, 2-car detached garage, & formal dining room.

Key facts

• 6,534 sq ft lot
• 2 garage spots
• Built 1900

Property features AI

Finance

• Other: Directions: Rt 23 south, right on LaSalle St.
• Financial info: Special service area: No
• HOA & community: No master association fee required; Community amenities nearby: park, pool, tennis courts

Exterior

• Parking: Detached garage (owned) with space for 2 cars; Concrete parking
• Utilities: Public water; Public sewer; Electric service with fuses
• Home design: Detached single-family home; Two-story residence; Fee simple ownership
• Construction: Stucco exterior; Asphalt roof; Block foundation; Built before 1978
• Exterior features: Lot approximately less than 0.25 acre (dimensions ~51 x 126); School bus service; Street paved with curbs and street lights

Interior

• Kitchen: Kitchen with eating area/table space; Refrigerator included
• Bedrooms: Three bedrooms (all on the second floor); Master bedroom on the second floor
• Flooring: Carpet in bedrooms and some rooms; Laminate flooring in foyer, dining room, kitchen, and living room
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Seven total rooms; Unfinished full basement; Wood-burning fireplace in the living room
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $109k.

Deal economics

• At list price, monthly cash flow is $318 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $109k).
• Cap rate 9.8% vs local median 7.8% in Streator — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 63/100 on livability (#752 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: amenities F, commute F, employment F.
• Streator Twp Hsd 40 (town): math 11% / reading 19% proficiency, ranked #513 of 620 in IL (top 83%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Zoned schools: Streator Twp High School (math 11% / reading 19%, grade F, #462 of 693 statewide, top 68%, 809 students, 0% FRL).
• Market conditions: 87 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); 82 units permitted in LaSalle County in 2024 (0 in 5+ unit buildings).
• This rent runs 32% of the median local income ($59k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $754 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• LaSalle County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 0 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 12y 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 $26k; list at $109k implies a 321% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.3% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $109,000

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 1.44% ✓
• Cap rate: 9.79%
• Cash-on-cash: 12.49%
• DSCR: 1.56
• GRM: 5.8

CMA / ARV

• ARV (on-the-fly): $137,104
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
216 Lasalle St	0.03mi	3/2.0	1,550 (-0%)	14mo	$40,000	$26	86
114 W Washington St	0.13mi	3/1.5	1,652 (+6%)	13mo	$144,000	$87	71
215 W Washington St	0.06mi	2/1.0 (-1)	1,449 (-7%)	8mo	$120,000	$83	70
602 S Vermillion St	0.42mi	4/2.0 (+1)	1,608 (+3%)	0mo	$147,000	$91	70
213 W 6th St	0.26mi	3/1.5	1,599 (+3%)	19mo	$135,800	$85	65
903 Milner St	0.70mi	3/2.0	1,536 (-1%)	1mo	$210,000	$137	64
110 Lasalle St	0.14mi	4/2.0 (+1)	1,752 (+12%)	12mo	$155,000	$88	58
112 W Kent St	0.55mi	3/2.0	1,368 (-12%)	10mo	$85,500	$63	46
207 Cottage St	0.54mi	4/1.5 (+1)	1,650 (+6%)	21mo	$97,000	$59	41
412 S 5th Ave	0.54mi	3/2.0	1,750 (+12%)	18mo	$205,000	$117	39
402 W Morrell St	0.75mi	4/1.5 (+1)	1,626 (+4%)	21mo	$159,000	$98	33
312 W Morrell St	0.74mi	4/2.0 (+1)	1,408 (-10%)	19mo	$137,000	$97	28

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: 2.3%
• Equity multiple: 1.09×
• Total profit: $2,691
• Equity at exit: $16,252

10-year hold

• IRR: 12.0%
• Equity multiple: 1.95×
• Total profit: $28,898
• Equity at exit: $9,424

Cash invested: $30,520 (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 61364

• Home prices YoY: -31.1%
• Active inventory: 87
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,565 high
• Mortgage (P&I): −$572
• Tax from tax record: −$301 /mo · $3,617/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$329
• Net cashflow: $318

Break-even live

Break-even rent $1,163

Max offer price $109,000

Occupancy floor 75%

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
503 S Bloomington St Streator, IL	3.0	1.0	1200	$1,500	$1.25	24d	1	0.24mi
514 Lundy St Streator, IL	3.0	1.0	1174	$1,700	$1.45	3d	1	0.54mi
514 Lundy St Streator, IL	4.0	1.5	1300	$1,700	$1.31	7d	1	0.54mi
402 S Illinois St Streator, IL	2.0	1.0	1116	$1,550	$1.39	21d	1	0.73mi
1409 Kelly St Streator, IL	3.0	1.0	1280	$1,750	$1.37	7d	1	1.34mi

Listing history 24 events

1. 2026-06-18
   pricestatusdays on marketlisting id $109,000 Pending
2. 2026-06-17
   days on market $99,900 Contingent - Continue to Show 89 DOM
3. 2026-06-16
   days on market $99,900 Contingent - Continue to Show 88 DOM
4. 2026-06-15
   days on market $99,900 Contingent - Continue to Show 87 DOM
5. 2026-06-14
   days on market $99,900 Contingent - Continue to Show 85 DOM
6. 2026-06-12
   days on market $99,900 Contingent - Continue to Show 84 DOM
7. 2026-06-09
   days on market $99,900 Contingent - Continue to Show 81 DOM
8. 2026-06-08
   days on market $99,900 Contingent - Continue to Show 80 DOM
9. 2026-06-07
   days on market $99,900 Contingent - Continue to Show 79 DOM
10. 2026-06-05
    days on market $99,900 Contingent - Continue to Show 76 DOM
11. 2026-06-03
    days on market $99,900 Contingent - Continue to Show 75 DOM
12. 2026-06-02
    days on market $99,900 Contingent - Continue to Show 74 DOM
13. 2026-06-01
    days on market $99,900 Contingent - Continue to Show 73 DOM
14. 2026-05-31
    days on market $99,900 Contingent - Continue to Show 72 DOM
15. 2026-05-30
    days on market $99,900 Contingent - Continue to Show 71 DOM
16. 2026-04-28
    historical Contingent - Continue to Show
17. 2026-04-01
    price $99,900
18. 2026-03-20
    listed $109,000 Active
19. 2014-05-08
    soldstatus $25,900 Closed Sale 83-char remark

    Show marketing remark (83 chars)

    Home with 3-4 bedrooms, 1.5 baths, 2-car detached garage, & formal dining room.

20. 2014-04-18
    status Pending 83-char remark

    Show marketing remark (83 chars)

    Home with 3-4 bedrooms, 1.5 baths, 2-car detached garage, & formal dining room.

21. 2014-03-28
    price $25,900 Price Change 83-char remark

    Show marketing remark (83 chars)

    Home with 3-4 bedrooms, 1.5 baths, 2-car detached garage, & formal dining room.

22. 2014-02-28
    listed $29,900 New 83-char remark

    Show marketing remark (83 chars)

    Home with 3-4 bedrooms, 1.5 baths, 2-car detached garage, & formal dining room.

23. 1998-01-20
    soldstatus $60,000
24. 1998-01-20
    soldstatus $60,000

ⓘ 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: $3,617 · $301/mo
• Projected year-2 tax: $3,617 · $301/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 ≥104°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,776
• − Mortgage interest: −$6,106
• − Property taxes: −$3,617
• − Insurance: −$545
• − Repairs & maintenance: −$1,502
• − Management: −$1,502
• − Depreciation: −$3,171
• Taxable income: $2,333
• Est. tax owed @ 24.0%: −$560
• After-tax cash flow: $3,251/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: Streator Twp Hsd 40
• NCES district ID: 1738100
• Math proficiency: 11% ▼ -4.00%
• Reading proficiency: 19% ▼ -1.00%
• Median HH income: $43,002
• Composite: 13.07/100
• National rank: #9561
• State rank: #513 of 620 in IL

Livability — Streator

• Score: 63/100
• State rank: #752
• US rank: #15266

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Streator, IL
• County: La Salle County · 41,676 people
• City population: 17,963
• Metro: Ottawa, IL
• Population (ZIP): 17,963
• Household income: $59,060
• Rent vs Own: 29.8% rent · 70.2% own
• Severe rent burden: 450.0

Population outlook (LaSalle County) Hauer SSP2

• Today (2025): 107,080 people
• By 2030: 104,196 · -2.7%
• By 2040: 97,413 · -9.0%
• By 2050: 90,294 · -15.7%
• By 2075: 76,252 · -28.8%
• By 2100: 61,339 · -42.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (83%)
• Race & ethnicity: White 83% Hispanic / Latino 11% Two or more races 4% Black 3%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 93% English-only · Spanish 6%

Political lean MEDSL · LaSalle

• 2024 margin: R (+18.5) · D 40.1% · R 58.6% · Other 1.3%
• 2008→2024 swing: -29.6pp toward R · 2008: 11.1pp · 2024: -18.5pp
• All cycles: 2024: R+18.5 2020: R+14.3 2016: R+14.4 2012: R+0.4 2008: D+11.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.28%
• Current HPI: 233.5533
• Rent YoY: —
• Metro: Ottawa, IL
• 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

+66.5% since first listed

9 events — show timeline

• 2026-04-28 Contingent — MRED as Distributed by MLS Grid
• 2026-04-01 Price Changed $99,900 MRED as Distributed by MLS Grid
• 2026-03-20 Listed $109,000 MRED as Distributed by MLS Grid
• 2014-05-08 Sold (MLS) $25,900 MRED as Distributed by MLS Grid
• 2014-04-18 Pending — MRED as Distributed by MLS Grid
• 2014-03-28 Price Changed $25,900 MRED as Distributed by MLS Grid
• 2014-02-28 Listed $29,900 MRED as Distributed by MLS Grid
• 1998-01-20 Sold (Public Records) $60,000 Public Records
• 1998-01-20 Sold (Public Records) $60,000 Public Records

Property tax history

+5.5%/yr

Latest (2024): $3,617 · +8.1% YoY. Source: county tax records.