1810 Golden Oak Ct · Crown Point, IN 46307

$234,500

3 bd · 1.5 ba · 1,380 sqft · SingleFamily public records · 38 Days on market

Built 2005 1,306 sqft lot $170/sqft · 5% below area Est $248k · 5% under $75/mo HOA · 4% of rent

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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 +15.1/30.0
• ARV discount +9.9/15.0
• Schools +5.0/10.0
• DSCR +4.6/10.0
• 1% rule +4.0/10.0
• Livability +3.9/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charm, Location and Convenience! Looking for a CLASSIC TOWNHOME in the heart of Crown Point with low maintenance living? Look no further! Pride of ownership is evident in this beautifully maintained END UNIT, move-in ready townhome located in desirable Prairie View! Main level features include an OPEN CONCEPT spacious living room w/ ceiling fan, huge eat-in kitchen (All appliances stay!) complete with main floor laundry and 1/2 bath. Kitchen has triple French doors which lead out to a wonderful 10 X 12 Privacy fenced, enclosed patio offering privacy, security and entry to the completely finished 2 car garage w/ opener. Upper level offers a huge Master Suite w/ walk-in closet plus a standard closet, additional bedroom w/ walk-in closet and full bath. Home is a short walk to the Crown Point Sports Complex and within minutes to parks, Award Winning Crown Point Schools, hospitals, expanding Broadway shopping, major highways for commuters & Historic Crown Point square!

Key facts

• Huge eat-in kitchen
• End unit
• Two closets

Tags

• END UNIT
• OPEN CONCEPT MAIN LEVEL
• HUGE EAT-IN KITCHEN
• PRIVATE FENCED CONCRETE PATIO
• TWO CLOSETS
• WALK-IN CLOSET

Property features AI

Finance

• HOA & community: Part of Prairie View Townhomes HOA; HOA fee $900 annually; Association amenities: Other

Exterior

• Parking: 2-car garage
• Utilities: Public water; Public sewer
• Home design: Attached property; Two stories; Built in 2005
• Exterior features: Private yard

Interior

• Kitchen: Stainless steel appliances; Range; Microwave; Dishwasher; Refrigerator
• Bedrooms: Primary bedroom; Second bedroom
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Forced air heating; Central air conditioning
• Interior features: Ceiling fan(s); Neighborhood view
• Laundry & utility: Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $234k.

Deal economics

• At list price, monthly cash flow is $76 ($908/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 $210k (10.4% below list).
• Recommended offer: $210k (10.4% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 3.4% in Crown Point — 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 77/100 on livability (#45 in IN, #3,244 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety D-.
• Crown Point Community School Corporation (suburban): math 51% / reading 61% proficiency, ranked #23 of 301 in IN (top 8%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 18% free/reduced lunch — higher-income household profile.
• Zoned schools: Solon Robinson Elementary School (math 59% / reading 57%, grade C+, #160 of 994 statewide, top 17%, 528 students, 34% FRL); Robert Taft Middle School (math 37% / reading 57%, grade D+, #65 of 330 statewide, top 21%, 1,091 students, 23% FRL); Crown Point High School (math 51% / reading 80%, grade B, #29 of 369 statewide, top 8%, 2,948 students, 22% FRL).
• Market conditions: Rents rising (+2.5%/yr); 753 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,642 units permitted in Lake County in 2024 (14 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Lake County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($227k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y 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 $199k; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $210,212 (10.4% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 10% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.90% ✗
• Cap rate: 6.68%
• Cash-on-cash: 1.38%
• DSCR: 1.06
• GRM: 9.3

CMA / ARV

• ARV (median comp): $247,742
• List price: $234,500
• Delta: -5.34%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1731 Dogwood Dr	0.16mi	2/2.0 (-1)	1,372 (-1%)	20mo	$259,900	$189	68
292 S Heather Ln	0.19mi	3/2.0	1,492 (+8%)	16mo	$295,000	$198	62
1622 Evergreen Ave	0.21mi	2/2.0 (-1)	1,280 (-7%)	11mo	$250,000	$195	62
1739 Chestnut Dr Unit R	0.22mi	2/2.0 (-1)	1,263 (-8%)	20mo	$262,500	$208	52
1611 Chestnut Dr	0.29mi	3/2.0	1,220 (-12%)	17mo	$271,000	$222	51
1207 E Farragut St	0.65mi	3/2.0	1,566 (+14%)	11mo	$303,500	$194	36
953 Seneca Dr	0.74mi	2/2.0 (-1)	1,244 (-10%)	10mo	$320,000	$257	33
510 E 115th Pl	0.67mi	2/2.0 (-1)	1,580 (+14%)	21mo	$318,000	$201	20

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 · 2.53% rent growth · sell at horizon

5-year hold

• IRR: -14.6%
• Equity multiple: 0.48×
• Total profit: $-34,161
• Equity at exit: $34,965

10-year hold

• IRR: -6.7%
• Equity multiple: 0.58×
• Total profit: $-27,526
• Equity at exit: $20,275

Cash invested: $65,660 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 90 Strongly Landlord-Friendly
• State Indiana: 90 Strongly Landlord-Friendly · R+11
• County: — inherits STATE
• City: — inherits STATE

10-day pay-or-quit; landlord-favorable; preempted.

Methodology + full state rankings →

ZIP-level market 46307

• Rents YoY: 2.5%
• Active inventory: 753
• Price-to-rent: 9.3×

Monthly cashflow live

• Estimated rent: $2,102 high
• Mortgage (P&I): −$1,230
• Tax from tax record: −$183 /mo · $2,191/yr
• Insurance: −$98
• HOA: −$75
• Vacancy / Maint / Mgmt: −$441
• Net cashflow: $76

Break-even live

Break-even rent $2,006

Max offer price $234,500

Occupancy floor 91%

Sensitivity live

Price	-10% $208	-5% $142	+0% $76	+5% $9	+10% $-57
Rent	-10% $-90	-5% $-7	+0% $76	+5% $159	+10% $242
Rate	-1.0pp $194	-0.5pp $135	base $76	+0.5pp $15	+1.0pp $-47

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: $58,625
• Closing costs: $7,035
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
396 Golden Oak Ct Crown Point, IN	3.0	2.0	1670	$2,300	$1.38	0d	1	0.07mi
928 Heritage Ct Unit 928-101 Crown Point, IN	2.0	1.0	1000	$1,525	$1.52	4d	1	0.64mi
918 Heritage Ct Unit 918-102 Crown Point, IN	2.0	1.0	1000	$1,550	$1.55	6d	1	0.66mi
905 Heritage Ct Unit 905-204 Crown Point, IN	2.0	1.0	1000	$1,450	$1.45	6d	1	0.70mi
625 E South St Crown Point, IN	3.0	2.0	1700	$2,400	$1.41	9d	1	0.87mi
930 Cypress Point Dr Crown Point, IN	1.0–2.0	1.0	900	$1,729	$1.92	0d	10	0.93mi
401 N Grant St Crown Point, IN	3.0	1.0	1046	$1,625	$1.55	19d	1	1.19mi
514 E Dahlgren St Crown Point, IN	3.0	1.0	1000	$1,495	$1.50	21d	1	1.20mi

HOA detail

• Monthly dues: $75 · $900/yr
• Likely covers: security

Listing history 21 events

1. 2026-06-21
   days on market $234,500 Active 38 DOM
2. 2026-06-18
   days on market $234,500 Active 35 DOM
3. 2026-06-17
   days on market $234,500 Active 34 DOM
4. 2026-06-16
   days on market $234,500 Active 33 DOM
5. 2026-06-15
   days on market $234,500 Active 32 DOM
6. 2026-06-13
   days on market $234,500 Active 30 DOM
7. 2026-06-13
   days on market $234,500 Active 29 DOM
8. 2026-06-09
   days on market $234,500 Active 26 DOM
9. 2026-06-08
   days on market $234,500 Active 25 DOM
10. 2026-06-07
    pricedays on market $234,500 Active 24 DOM
11. 2026-06-04
    days on market $235,000 Active 21 DOM
12. 2026-06-03
    days on market $235,000 Active 20 DOM
13. 2026-06-02
    days on market $235,000 Active 19 DOM
14. 2026-06-01
    days on market $235,000 Active 18 DOM
15. 2026-05-31
    days on market $235,000 Active 17 DOM
16. 2026-05-14
    listed $235,000 Active 959-char remark
17. 2021-07-07
    soldstatus $199,000 984-char remark

    Show marketing remark (984 chars)

    Charm, Location and Convenience! Looking for a CLASSIC TOWNHOME in the heart of Crown Point with low maintenance living? Look no further! Pride of ownership is evident in this beautifully maintained END UNIT, move-in ready townhome located in desirable Prairie View! Main level features include an OPEN CONCEPT spacious living room w/ ceiling fan, huge eat-in kitchen (All appliances stay!) complete with main floor laundry and 1/2 bath. Kitchen has triple French doors which lead out to a wonderful 10 X 12 Privacy fenced, enclosed patio offering privacy, security and entry to the completely finished 2 car garage w/ opener. Upper level offers a huge Master Suite w/ walk-in closet plus a standard closet, additional bedroom w/ walk-in closet and full bath. Home is a short walk to the Crown Point Sports Complex and within minutes to parks, Award Winning Crown Point Schools, hospitals, expanding Broadway shopping, major highways for commuters & Historic Crown Point square!

18. 2021-05-13
    listed $199,900 984-char remark

    Show marketing remark (984 chars)

    Charm, Location and Convenience! Looking for a CLASSIC TOWNHOME in the heart of Crown Point with low maintenance living? Look no further! Pride of ownership is evident in this beautifully maintained END UNIT, move-in ready townhome located in desirable Prairie View! Main level features include an OPEN CONCEPT spacious living room w/ ceiling fan, huge eat-in kitchen (All appliances stay!) complete with main floor laundry and 1/2 bath. Kitchen has triple French doors which lead out to a wonderful 10 X 12 Privacy fenced, enclosed patio offering privacy, security and entry to the completely finished 2 car garage w/ opener. Upper level offers a huge Master Suite w/ walk-in closet plus a standard closet, additional bedroom w/ walk-in closet and full bath. Home is a short walk to the Crown Point Sports Complex and within minutes to parks, Award Winning Crown Point Schools, hospitals, expanding Broadway shopping, major highways for commuters & Historic Crown Point square!

19. 2012-12-10
    soldstatus $120,000

    Show marketing remark (995 chars)

    Soft subtle designer colors in this outstanding, immaculate 2 bedroom 2 bath 2-story townhome in popular Prairie View. Open, airy, bright and super clean sums up this well taken care of unit. Main level features include a spacious living room w/ ceiling fan, fully functional eat-in kitchen w/ all appliances, beautiful raised panel oak cabinets, breakfast bar, laminate flooring and triple French doors leading to an enclosed patio offering privacy, security and entry to the garage. The finished main floor laundry & half bath have ceramic flooring. The upper level offers a master bedroom w/ walk-in closet plus a standard closet a 2nd bedroom also has a walk-in closet. There is a lovely hall bath w/ ceramic floor. The 2 car garage is completely finished and trimmed out plus there is shelving & electric opener. This unit is very economical to own! It's an end unit w/ 2 guest parking places which is not only convenient but rare. This is a must see! 24 Hr notice for showings.

20. 2012-06-29
    listed $127,900

    Show marketing remark (995 chars)

    Soft subtle designer colors in this outstanding, immaculate 2 bedroom 2 bath 2-story townhome in popular Prairie View. Open, airy, bright and super clean sums up this well taken care of unit. Main level features include a spacious living room w/ ceiling fan, fully functional eat-in kitchen w/ all appliances, beautiful raised panel oak cabinets, breakfast bar, laminate flooring and triple French doors leading to an enclosed patio offering privacy, security and entry to the garage. The finished main floor laundry & half bath have ceramic flooring. The upper level offers a master bedroom w/ walk-in closet plus a standard closet a 2nd bedroom also has a walk-in closet. There is a lovely hall bath w/ ceramic floor. The 2 car garage is completely finished and trimmed out plus there is shelving & electric opener. This unit is very economical to own! It's an end unit w/ 2 guest parking places which is not only convenient but rare. This is a must see! 24 Hr notice for showings.

21. 2008-08-29
    listed $139,000

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

Tax reassessment forecast IN · Partial reset (capped growth)

• Current annual tax: $2,191 · $183/mo
• Projected year-2 tax: $2,191 · $183/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 ≥102°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,225
• − Mortgage interest: −$13,136
• − Property taxes: −$2,191
• − Insurance: −$1,172
• − Repairs & maintenance: −$2,018
• − Management: −$2,018
• − HOA: −$900
• − Depreciation: −$6,822
• Taxable loss: −$3,032
• Est. tax savings @ 24.0%: +$728
• After-tax cash flow: $1,635/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: Crown Point Community School Corporation
• NCES district ID: 1802490
• Math proficiency: 51% ▼ -9.00%
• Reading proficiency: 61% ▼ -8.00%
• Median HH income: $69,148
• Composite: 49.55/100
• National rank: #1990
• State rank: #23 of 301 in IN

Livability — Crown Point

• Score: 77/100
• State rank: #45
• US rank: #3244

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Crown Point, IN
• County: Lake County · 422,878 people
• City population: 71,673
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• Population (ZIP): 71,673
• Household income: $107,800
• Rent vs Own: 12.0% rent · 88.0% own
• Severe rent burden: 705.0

Population outlook (Lake County) Hauer SSP2

• Today (2025): 484,026 people
• By 2030: 478,091 · -1.2%
• By 2040: 462,974 · -4.3%
• By 2050: 449,894 · -7.1%
• By 2075: 436,169 · -9.9%
• By 2100: 426,607 · -11.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 12% Two or more races 10% Black 7% Asian 2%
• Hispanic origin (detail): Mexican 9% Puerto Rican 1%
• Common ancestry: Romanian 12% Iranian 3% Lithuanian 2%
• Foreign-born: 7% · Canada, Vietnam
• Languages at home: 88% English-only · Spanish 5% Russian/Polish/Slavic 3% Other Indo-European 1%

Political lean MEDSL · Lake

• 2024 margin: Lean D (+5.6) · D 52.1% · R 46.5% · Other 1.5%
• 2008→2024 swing: -28.6pp toward R · 2008: 34.3pp · 2024: 5.6pp
• All cycles: 2024: D+5.6 2020: D+15.1 2016: D+20.6 2012: D+31.0 2008: D+34.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -164.91%
• Current HPI: 226.0335
• Rent YoY: ▲ 2.53%
• Metro: Chicago-Naperville-Elgin, IL-IN-WI
• State GDP YoY: ▲ 2.90%
• F500 in state: 18

Industry mix (Fortune 500 HQ in IN)

Industry	F500 HQs	Revenue
▸Industrial Machinery	2	$37B
▸Healthcare	1	$177B
▸Pharmaceuticals	1	$45B
▸Metals / Steel	1	$18B
▸Agriculture	1	$17B
▸Packaging	1	$12B

Price history

+68.7% since first listed

7 events — show timeline

• 2026-06-04 Price Changed $234,500 NIRA MLS as Distributed by MLS Grid
• 2026-05-14 Listed $235,000 NIRA MLS as Distributed by MLS Grid
• 2021-07-07 Sold (MLS) $199,000 NIRA MLS as Distributed by MLS Grid
• 2021-05-13 Listed $199,900 NIRA MLS as Distributed by MLS Grid
• 2012-12-10 Sold (MLS) $120,000 NIRA MLS as Distributed by MLS Grid
• 2012-06-29 Listed $127,900 NIRA MLS as Distributed by MLS Grid
• 2008-08-29 Listed $139,000 NIRA MLS as Distributed by MLS Grid

Property tax history

+4.6%/yr

Latest (2024): $2,191 · +11.5% YoY. Source: county tax records.