22153 E Churchill Dr · Richton Park, IL 60471

$167,000

3 bd · 1.0 ba · 950 sqft · SingleFamily public records · 35 Days on market

Built 1971 6,098 sqft lot Est $155k · 8% over

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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 +17.2/30.0
• DSCR +5.4/10.0
• 1% rule +4.9/10.0
• ARV discount +4.0/15.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks

This Listing is being sold AS IS Beautifully Maintained Home since 2023. This 3 Bedroom, 1 Bath Ranch is fresh & bright! New Oak Cabinets and New Appliances, New Bathroom, New Fresh Paint! Updated Windows, Utility/Mud room w/ W & D hook up. Newer Furnace, Air Conditioner, Furnace and Water Heater (2020). Nice yard with Newer Patio for family enjoyment & pets! Close to I-57, train station, school, and shops as well as a gorgeous park within walking distance - but set in a quiet neighborhood. Schedule your showing today!

Key facts

• Newer patio
• Utility mud room
• New oak cabinets

Tags

• NEW OAK CABINETS
• NEW APPLIANCES
• NEW BATHROOM
• UPDATED WINDOWS
• UTILITY MUD ROOM
• NEWER PATIO

Property features AI

Finance

• Other: Parcel number available; Property not currently leased
• HOA & community: No master association fee required

Exterior

• Parking: Attached garage (garage owned) with concrete driveway — 1 garage/total parking space
• Utilities: Public water; Public sewer
• Home design: Detached single-family home; One-story; Fee simple ownership; Rehab completed in 2020; Built before 1978
• Construction: Vinyl siding; Asphalt roof; Concrete perimeter foundation; Estimated age: 51–60 years
• Exterior features: Patio; Curb, sidewalk, street lights, and paved streets

Interior

• Kitchen: Eating area / table space
• Bedrooms: Three bedrooms (all on main level)
• Flooring: Laminate flooring in living room and bedrooms
• Bathrooms: One full bathroom
• Heating & cooling: Natural gas forced-air heating; Central air conditioning
• Interior features: First-floor bedroom; First-floor full bathroom; Six total rooms
• Laundry & utility: Main-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $167k.

Deal economics

• At list price, monthly cash flow is $119 ($1k/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 $165k (1.3% below list).
• Recommended offer: $162k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.1% vs local median 4.3% in Richton Park — 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 69/100 on livability (#415 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment B; Watch: crime C-, schools D+, amenities F.
• Rich Twp Hsd 227 (suburban): math 5% / reading 12% proficiency, ranked #577 of 620 in IL (top 93%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: 44 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); 6,272 units permitted in Cook County in 2024 (4,658 in 5+ unit buildings).
• This rent runs 31% of the median local income ($64k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($162k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y 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 $110k; list at $167k implies a 52% gain — meaningful room to come down on a strong offer.

Recommended offer $161,990 (3.0% below list)

Questions for the listing agent

1. It's been on market 35 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-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. 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?
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: 0.99% ✗
• Cap rate: 7.15%
• Cash-on-cash: 3.06%
• DSCR: 1.14
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $154,850
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4458 Poplar Ave	0.16mi	3/1.0	950 (0%)	10mo	$155,000	$163	84
4520 Keenehand Ct	0.16mi	3/1.0	925 (-3%)	6mo	$164,900	$178	84
22204 Kostner Ave	0.04mi	3/1.0	900 (-5%)	10mo	$105,000	$117	81
22118 E Churchill Dr	0.07mi	3/1.5	912 (-4%)	10mo	$95,200	$104	80
21943 E Churchill Dr	0.26mi	3/1.0	925 (-3%)	6mo	$115,000	$124	78
4627 Saratoga Rd	0.31mi	3/1.0	931 (-2%)	5mo	$88,000	$95	78
4443 Ascot Ct	0.23mi	4/1.5 (+1)	912 (-4%)	0mo	$180,000	$197	75
22153 Rockingham Rd	0.27mi	3/1.5	917 (-4%)	8mo	$210,000	$229	73
22200 Windsor Ct	0.24mi	4/1.5 (+1)	1,000 (+5%)	1mo	$185,000	$185	72
4235 Poplar Ave	0.22mi	3/1.0	900 (-5%)	11mo	$110,000	$122	72
22139 Belmont Rd	0.33mi	3/1.0	1,005 (+6%)	8mo	$155,000	$154	68
4534 Saratoga Rd	0.20mi	3/1.5	845 (-11%)	12mo	$180,000	$213	60

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: -11.5%
• Equity multiple: 0.58×
• Total profit: $-19,436
• Equity at exit: $24,900

10-year hold

• IRR: -2.2%
• Equity multiple: 0.85×
• Total profit: $-6,988
• Equity at exit: $14,439

Cash invested: $46,760 (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 60471

• Home prices YoY: -17.5%
• Active inventory: 44
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $1,648 high
• Mortgage (P&I): −$876
• Tax from tax record: −$237 /mo · $2,850/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$346
• Net cashflow: $119

Break-even live

Break-even rent $1,497

Max offer price $167,000

Occupancy floor 88%

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: $41,750
• Closing costs: $5,010
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
22501 Butterfield Rd Unit 22411-514 Richton Park, IL	2.0	1.5	1021	$1,365	$1.34	7d	1	0.37mi
22501 Butterfield Rd Unit 22411-506 Richton Park, IL	2.0	1.0	882	$1,325	$1.50	7d	1	0.37mi
22501 Butterfield Rd Unit 22400-311 Richton Park, IL	2.0	1.0	882	$1,360	$1.54	7d	1	0.37mi
22501 Butterfield Rd Unit 22419-109 Richton Park, IL	2.0	1.0	798	$1,310	$1.64	7d	1	0.37mi
22501 Butterfield Rd Unit 22415-207 Richton Park, IL	2.0	1.5	944	$1,360	$1.44	7d	1	0.37mi
3905 Tower Dr Richton Park, IL	1.0–2.0	1.0–2.0	905	$1,795	$1.98	1d	19	0.64mi
4014 Euclid Ln Richton Park, IL	2.0	1.0	1100	$2,100	$1.91	22d	1	0.78mi
4014 Euclid Ln Richton Park, IL	3.0	1.0	1100	$2,100	$1.91	12d	1	0.78mi
4014 Euclid Ln Richton Park, IL	2.0	1.0	1100	$2,100	$1.91	7d	1	0.78mi
4561 Heartland Dr Unit 3F Richton Park, IL	2.0	1.0	1000	$1,350	$1.35	24d	1	0.79mi
4020 216th St Unit 2E Matteson, IL	3.0	1.0	600	$2,000	$3.33	24d	1	0.94mi

Listing history 22 events

1. 2026-06-18
   days on market $167,000 Active 35 DOM
2. 2026-06-17
   days on market $167,000 Active 34 DOM
3. 2026-06-16
   days on market $167,000 Active 33 DOM
4. 2026-06-15
   days on market $167,000 Active 32 DOM
5. 2026-06-13
   days on market $167,000 Active 30 DOM
6. 2026-06-09
   days on market $167,000 Active 26 DOM
7. 2026-06-08
   days on market $167,000 Active 25 DOM
8. 2026-06-07
   days on market $167,000 Active 24 DOM
9. 2026-06-04
   days on market $167,000 Active 21 DOM
10. 2026-06-03
    days on market $167,000 Active 20 DOM
11. 2026-06-02
    days on market $167,000 Active 19 DOM
12. 2026-06-01
    days on market $167,000 Active 18 DOM
13. 2026-05-31
    days on market $167,000 Active 17 DOM
14. 2026-05-13
    listed $167,000 Active
15. 2020-10-30
    soldstatus $110,000
16. 2020-06-01
    status Contingent
17. 2020-05-03
    listed New
18. 2020-04-10
    historical
19. 2019-10-15
    listed New
20. 2019-01-11
    soldstatus $32,000 Closed Sale
21. 2018-11-02
    status Pending
22. 2018-11-01
    listed $32,000 New

ⓘ 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: $2,850 · $237/mo
• Projected year-2 tax: $3,320 · $277/mo
• Expected delta: +$471/yr (+$39/mo · 16.5%)

ⓘ 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 · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,775
• − Mortgage interest: −$9,355
• − Property taxes: −$2,850
• − Insurance: −$835
• − Repairs & maintenance: −$1,582
• − Management: −$1,582
• − Depreciation: −$4,858
• Taxable loss: −$1,286
• Est. tax savings @ 24.0%: +$309
• After-tax cash flow: $1,737/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: Rich Twp Hsd 227
• NCES district ID: 1733420
• Math proficiency: 5% ▼ -3.00%
• Reading proficiency: 12% ▬ 0.00%
• Median HH income: $56,056
• Composite: 8.93/100
• National rank: #9885
• State rank: #577 of 620 in IL

Livability — Richton Park

• Score: 69/100
• State rank: #415
• US rank: #8530

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Richton Park, IL
• County: Cook County · 4,486,803 people
• City population: 12,848
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 12,848
• Household income: $64,494
• Rent vs Own: 50.1% rent · 49.9% own
• Severe rent burden: 799.0

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 (88%)
• Race & ethnicity: Black 88% White 7% Hispanic / Latino 2% Two or more races 1%
• Common ancestry: Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 3% French/Haitian/Cajun 1% German/W. Germanic 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: ▼ -48.01%
• Current HPI: 226.6786
• Rent YoY: —
• 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

+421.9% since first listed

9 events — show timeline

• 2026-05-13 Listed $167,000 MRED as Distributed by MLS Grid
• 2020-10-30 Sold (Public Records) $110,000 Public Records
• 2020-06-01 Pending — MRED as Distributed by MLS Grid
• 2020-05-03 Listed — MRED as Distributed by MLS Grid
• 2020-04-10 Listing Removed — MRED as Distributed by MLS Grid
• 2019-10-15 Listed — MRED as Distributed by MLS Grid
• 2019-01-11 Sold (MLS) $32,000 MRED as Distributed by MLS Grid
• 2018-11-02 Pending — MRED as Distributed by MLS Grid
• 2018-11-01 Listed $32,000 MRED as Distributed by MLS Grid

Property tax history

+2.9%/yr

Latest (2023): $2,850 · +96.9% YoY. Source: county tax records.