20152 Juniper Ave · Lynwood, IL 60411

$215,000

3 bd · 2.5 ba · 1,577 sqft · SingleFamily public records · 44 Days on market

Built 1985 7,150 sqft lot Est $273k · 21% 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 +25.4/30.0
• ARV discount +15.0/15.0
• DSCR +8.4/10.0
• 1% rule +6.2/10.0
• Rent growth +4.1/5.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Schools +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks

This estate sale property offers a unique opportunity for buyers looking to add their personal touch. Featuring three generous bedrooms, two full baths and one half bath. The home boasts solid bones with plenty of potential for updates and customization. A partially finsihed basement provides additional living or storage space. The home also includes existing appliances, making it easier to move in and begin renovations at your own pace. This property can be transformed into a charming and comfortable residence. Make it your home!!

Key facts

• 7,150 sq ft lot
• 2 garage spots
• Built 1985

Property features AI

Finance

• Other: Possession at closing; Some photos are virtually staged
• HOA & community: No master association fees required

Exterior

• Parking: Attached garage (2 spaces total)
• Utilities: Public water; Overhead sewers; Electric service (standard)
• Home design: Detached single-family split-level home; Fee simple ownership
• Construction: Vinyl siding and brick exterior; Built approximately 41–50 years ago
• Exterior features: Lot dimensions approximately 65 x 110; Lot smaller than 0.25 acre; Interstate access

Interior

• Kitchen: Kitchen on main level (18 x 13)
• Bedrooms: Three bedrooms total; Master bedroom on second level (14 x 14); Second bedroom on second level (14 x 12); Third bedroom on second level (15 x 11)
• Bathrooms: Two full bathrooms; One half bathroom; Basement includes a bathroom
• Heating & cooling: Natural gas heating; Central air conditioning
• Interior features: Seven total rooms; Partially finished basement; Lawn sprinkler system; Wood-burning fireplace with gas starter in the family room
• Laundry & utility: Laundry room in basement (12 x 12); Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $215k.

Deal economics

• At list price, monthly cash flow is $496 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $215k).
• Recommended offer: $209k (3.0% below list) — sets the bar for market timing.
• Cap rate 9.1% vs local median 3.5% in Lynwood — 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 65/100 on livability (#635 in IL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A; Watch: schools F, amenities F, commute F.
• Thornton Fractional Twp Hsd 215 (suburban): math 9% / reading 13% proficiency, ranked #563 of 620 in IL (top 91%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
• Market conditions: Rents rising fast (+6.5%/yr); 224 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 0d 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 $2,403/mo this rent would consume 46% of the median local household income ($62k/yr) (locally 1714% 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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 6.5% rent growth), your $60k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $156k; 38% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $208,550 (3.0% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.12% ✓
• Cap rate: 9.06%
• Cash-on-cash: 9.88%
• DSCR: 1.44
• GRM: 7.5

CMA / ARV

• ARV (on-the-fly): $272,821
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
20144 Driftwood Ave	0.11mi	3/2.0	1,530 (-3%)	10mo	$265,000	$173	80
20124 Redwood Ave	0.13mi	4/2.5 (+1)	1,530 (-3%)	7mo	$235,000	$154	78
20124 Juniper Ave	0.08mi	3/2.0	1,407 (-11%)	1mo	$279,000	$198	75
19913 Arroyo Ave	0.51mi	3/2.0	1,468 (-7%)	0mo	$229,000	$156	62
19808 Lakewood Ave	0.68mi	3/2.0	1,557 (-1%)	5mo	$233,000	$150	60
20024 Orchard Ave	0.62mi	3/2.0	1,600 (+2%)	12mo	$295,000	$184	56
19723 Sequoia Ave	0.56mi	4/2.0 (+1)	1,558 (-1%)	13mo	$287,000	$184	54
3260 203rd St	0.30mi	4/2.0 (+1)	1,425 (-10%)	14mo	$285,000	$200	52
3275 203rd St	0.34mi	4/2.5 (+1)	1,388 (-12%)	14mo	$280,000	$202	48
19900 Monterey Ave	0.60mi	3/2.0	1,365 (-13%)	3mo	$236,500	$173	45
20138 Arroyo Ave	0.42mi	4/2.0 (+1)	1,794 (+14%)	14mo	$210,000	$117	38
19729 Orchard Ct	0.74mi	3/2.0	1,341 (-15%)	8mo	$180,000	$134	32

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 · 6.48% rent growth · sell at horizon

5-year hold

• IRR: 2.3%
• Equity multiple: 1.09×
• Total profit: $5,433
• Equity at exit: $32,057

10-year hold

• IRR: 14.9%
• Equity multiple: 2.39×
• Total profit: $83,724
• Equity at exit: $18,589

Cash invested: $60,200 (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 60411

• Home prices YoY: -33.9%
• Rents YoY: 6.5%
• Active inventory: 224
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $2,403 medium
• Mortgage (P&I): −$1,127
• Tax from tax record: −$186 /mo · $2,228/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$505
• Net cashflow: $496

Break-even live

Break-even rent $1,776

Max offer price $215,000

Occupancy floor 74%

Sensitivity live

Price	-10% $618	-5% $557	+0% $496	+5% $435	+10% $374
Rent	-10% $306	-5% $401	+0% $496	+5% $591	+10% $686
Rate	-1.0pp $604	-0.5pp $551	base $496	+0.5pp $440	+1.0pp $383

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
20078 Monterey Ave Lynwood, IL	3.0	2.0	1128	$2,850	$2.53	0d	1	0.51mi
20067 Orchard Ave Lynwood, IL	3.0	1.0	1084	$2,200	$2.03	0d	1	0.59mi
2520 Cedar Glen Dr N Lynwood, IL	3.0	2.5	1992	$2,600	$1.31	0d	1	0.71mi

Listing history 6 events

1. 2026-05-13
   status Pending
2. 2026-04-28
   status Active
3. 2026-04-14
   historical Contingent - Continue to Show
4. 2026-03-30
   listed $215,000 Active
5. 2000-04-14
   soldstatus $156,000
6. 1986-09-11
   soldstatus $140,000

ⓘ 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: $2,228 · $186/mo
• Projected year-2 tax: $3,554 · $296/mo
• Expected delta: +$1,326/yr (+$111/mo · 59.5%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥102°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,839
• − Mortgage interest: −$12,043
• − Property taxes: −$2,228
• − Insurance: −$1,075
• − Repairs & maintenance: −$2,307
• − Management: −$2,307
• − Depreciation: −$6,255
• Taxable income: $2,624
• Est. tax owed @ 24.0%: −$630
• After-tax cash flow: $5,320/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 Fractional Twp Hsd 215
• NCES district ID: 1738940
• Math proficiency: 9% ▼ -3.00%
• Reading proficiency: 13% ▼ -3.00%
• Median HH income: $48,207
• Composite: 10.27/100
• National rank: #9793
• State rank: #563 of 620 in IL

Livability — Lynwood

• Score: 65/100
• State rank: #635
• US rank: #12997

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lynwood, IL
• County: Cook County · 4,486,803 people
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 52,175
• Household income: $62,073
• Rent vs Own: 34.8% rent · 65.2% own
• Severe rent burden: 1714.0

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: Diverse neighborhood (Simpson 0.66)
• Race & ethnicity: Black 49% Hispanic / Latino 26% White 19% Two or more races 11%
• Hispanic origin (detail): Mexican 22% Puerto Rican 2%
• Common ancestry: Romanian 4% Portuguese 1% Lithuanian 1%
• Foreign-born: 12% · Canada
• Languages at home: 76% English-only · Spanish 21% Russian/Polish/Slavic 1% Other Indo-European 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: ▼ -108.75%
• Current HPI: 212.4058
• Rent YoY: ▲ 6.48%
• 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

+53.6% since first listed

6 events — show timeline

• 2026-05-13 Pending — MRED as Distributed by MLS Grid
• 2026-04-28 Relisted — MRED as Distributed by MLS Grid
• 2026-04-14 Contingent — MRED as Distributed by MLS Grid
• 2026-03-30 Listed $215,000 MRED as Distributed by MLS Grid
• 2000-04-14 Sold (Public Records) $156,000 Public Records
• 1986-09-11 Sold (Public Records) $140,000 Public Records

Property tax history

-3.4%/yr

Latest (2023): $2,228 · -29.7% YoY. Source: county tax records.