0S044 Kerry Ct · Winfield, IL 60190

$415,000

3 bd · 2.5 ba · 2,244 sqft · Other · 26 Days on market

Built 2009 Good condition

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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).

• Cash flow +13.8/30.0
• ARV discount +7.5/15.0
• DSCR +4.2/10.0
• Livability +4.0/5.0
• 1% rule +3.9/10.0
• Condition / age +3.8/5.0
• Rent growth +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks

Close to Central DuPage Hospital and Winfield Metra station. This light filled, end-unit townhome in Lee Station is ideal. This 3 floor unit are full of amenities in quiet neighborhood. Refreshed HVAC system, Refrigerator, and Washer/Dryer are included. Hurry this won& apos; t last long.

Key facts

• Light filled
• End-unit townhome
• Quiet neighborhood

Tags

• LIGHT FILLED
• END-UNIT TOWNHOME
• QUIET NEIGHBORHOOD
• REFRESHED HVAC SYSTEM
• INCLUDED REFRIGERATOR
• INCLUDED WASHER DRYER

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath other listed at $415k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $40 ($480/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 $368k (11.3% below list).
• Recommended offer: $368k (11.3% below list) — sets the bar for 1% rule.
• Cap rate 6.4% 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 $12k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($409k) is reasonable based on typical stale-listing flexibility.

Recommended offer $368,100 (11.3% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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.
5. 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.
6. 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: 0.89% ✗
• Cap rate: 6.41%
• Cash-on-cash: 0.41%
• DSCR: 1.02
• GRM: 9.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -15.6%
• Equity multiple: 0.44×
• Total profit: $-64,643
• Equity at exit: $61,878

10-year hold

• IRR: -7.1%
• Equity multiple: 0.55×
• Total profit: $-52,783
• Equity at exit: $35,882

Cash invested: $116,200 (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: 9.4×

Monthly cashflow live

• Estimated rent: $3,681 medium
• Mortgage (P&I): −$2,176
• Tax est. 1.5%: −$519 /mo · $6,225/yr
• Insurance: −$173
• HOA: −$0
• Vacancy / Maint / Mgmt: −$773
• Net cashflow: $40

Break-even live

Break-even rent $3,630

Max offer price $415,000

Occupancy floor 94%

Sensitivity live

Price	-10% $327	-5% $183	+0% $40	+5% $-103	+10% $-247
Rent	-10% $-251	-5% $-105	+0% $40	+5% $185	+10% $331
Rate	-1.0pp $249	-0.5pp $146	base $40	+0.5pp $-68	+1.0pp $-177

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: $103,750
• Closing costs: $12,450
• 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	0.74mi
2067 Childs Ct Wheaton, IL	3.0	2.5	1412	$3,750	$2.66	26d	1	1.06mi

Listing history 15 events

1. 2026-06-21
   days on market $415,000 Active 26 DOM
2. 2026-06-18
   days on market $415,000 Active 23 DOM
3. 2026-06-17
   days on market $415,000 Active 22 DOM
4. 2026-06-16
   days on market $415,000 Active 21 DOM
5. 2026-06-15
   days on market $415,000 Active 20 DOM
6. 2026-06-13
   days on market $415,000 Active 18 DOM
7. 2026-06-09
   days on market $415,000 Active 14 DOM
8. 2026-06-08
   days on market $415,000 Active 13 DOM
9. 2026-06-07
   days on market $415,000 Active 12 DOM
10. 2026-06-04
    days on market $415,000 Active 9 DOM
11. 2026-06-03
    days on market $415,000 Active 8 DOM
12. 2026-06-02
    days on market $415,000 Active 7 DOM
13. 2026-06-01
    days on market $415,000 Active 6 DOM
14. 2026-05-31
    days on market $415,000 Active 5 DOM
15. 2026-05-12
    listed $415,000 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥102°F today · 14 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $44,172
• − Mortgage interest: −$23,246
• − Property taxes: −$6,225
• − Insurance: −$2,075
• − Repairs & maintenance: −$3,534
• − Management: −$3,534
• − Depreciation: −$12,073
• Taxable loss: −$6,515
• Est. tax savings @ 24.0%: +$1,564
• After-tax cash flow: $2,044/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 · 2 photos

Good 75/100 Cosmetic rehab

This end-unit townhome in Lee Station is in good condition with minimal repairs needed. It offers a good return on investment with updates that can significantly enhance its resale and rental value.

Value-add opportunities

• Both Painting the exterior — Enhances curb appeal and value
• Both Landscaping improvements — Enhances curb appeal and value
• Both Interior touch-ups — Enhances interior appearance and value

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior — Enhances curb appeal and value ↑
• Both Landscaping improvements — Enhances curb appeal and value ↑
• Both Interior touch-ups — Enhances interior appearance and value ↑

ⓘ 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

1 event — show timeline

• 2026-05-12 Listed $415,000 FSBO.com