19974 Charest St · Detroit, MI 48234

$99,999

3 bd · 1.0 ba · 840 sqft · SingleFamily public records · 35 Days on market

Built 1943 4,356 sqft lot $119/sqft · 62% above area Est $74k · 35% over

---

Why this score? — see what drove the C 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 +29.4/30.0
• DSCR +10.0/10.0
• 1% rule +8.2/10.0
• Rent growth +4.2/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Schools +1.3/10.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to the perfect starter home! This beautifully updated bungalow is ideally located within walking distance of the award-winning Renaissance High School and near Peterson Playfield, where you'll find a tennis court, basketball court, baseball and football fields, picnic areas, a playground, and scenic walking/running paths. Enjoy the convenience of being just minutes from the Northwest Activities Center, The Avenue of Fashion, Detroit Golf Club, Palmer Park, restaurants, gas stations, major freeways, and more! Inside, you'll fall in love with the beautifully updated interior. The kitchen boasts ample cabinet space with stylish shaker cabinets and durable laminate flooring. Great for a first-time home buyer or an investor bringing in positive rental income!

Key facts

• Tennis court
• Basketball court
• Baseball fields

Tags

• NEAR PETERSON PLAYFIELD
• TENNIS COURT
• BASKETBALL COURT
• BASEBALL FIELDS
• FOOTBALL FIELDS
• PICNIC AREAS

Property features AI

Exterior

• Parking: Detached 1-car garage
• Utilities: Public water; Public sewer
• Home design: Single family residence; One and one-half stories; Ground-level entry with steps; Brick construction
• Construction: Brick/mortar foundation
• Exterior features: Paved road access; Lot roughly 41 x 100.43 (0.1 acre)

Interior

• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating; Electric heating; Natural gas heating; No cooling
• Interior features: Unfinished basement; Total of 6 rooms

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $100k.

Deal economics

• At list price, monthly cash flow is $299 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $97k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 73/100 on livability (#218 in MI) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, cost of living A+; Watch: schools F, crime F, employment F.
• Detroit Public Schools Community District (urban): math 10% / reading 24% proficiency, ranked #499 of 540 in MI (top 92%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 90% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+6.7%/yr); 226 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 2,639 units permitted in Wayne County in 2024 (1,216 in 5+ unit buildings).
• This rent runs 45% of the median local income ($35k/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 $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Wayne County population projected at -17% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 6.7% rent growth), your $28k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 35 days — a 3% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 15 sale attempts since 23y 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 $70k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo; built in 1943 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,999 (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 1943 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. 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.
8. 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.
9. 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: 1.32% ✓
• Cap rate: 10.54%
• Cash-on-cash: 15.18%
• DSCR: 1.68
• GRM: 6.3

CMA / ARV

• ARV (median comp): $73,958
• List price: $99,999
• Delta: 35.21%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
20180 Charest St	0.16mi	3/1.0	840 (0%)	4mo	$45,000	$54	89
20156 Gallagher St	0.14mi	2/1.0 (-1)	850 (+1%)	8mo	$67,000	$79	80
20012 Binder St	0.36mi	3/1.0	871 (+4%)	3mo	$50,500	$58	74
19619 Norwood St	0.29mi	3/1.0	941 (+12%)	2mo	$30,500	$32	65
19444 Yonka St	0.38mi	3/1.0	900 (+7%)	8mo	$85,000	$94	64
19300 Binder St	0.55mi	2/1.0 (-1)	820 (-2%)	4mo	$10,000	$12	62
20270 Dean Ave	0.52mi	3/1.0	792 (-6%)	7mo	$55,000	$69	60
19227 Ryan Rd	0.61mi	3/1.0	919 (+9%)	1mo	$38,000	$41	55
20892 Dean St	0.72mi	2/1.0 (-1)	840 (0%)	9mo	$136,500	$163	54
19667 Sunset St	0.53mi	3/1.5	752 (-10%)	4mo	$28,500	$38	52
19255 Binder St	0.56mi	2/1.0 (-1)	719 (-14%)	3mo	$38,500	$54	42
19235 Fleming St	0.62mi	2/1.0 (-1)	720 (-14%)	6mo	$57,000	$79	38

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 · 6.72% rent growth · sell at horizon

5-year hold

• IRR: 7.0%
• Equity multiple: 1.29×
• Total profit: $8,013
• Equity at exit: $14,910

10-year hold

• IRR: 19.5%
• Equity multiple: 2.94×
• Total profit: $54,458
• Equity at exit: $8,646

Cash invested: $28,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 62 Landlord-Friendly
• State Michigan: 62 Landlord-Friendly · EVEN
• County: — inherits STATE
• City: — inherits STATE

7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

Methodology + full state rankings →

ZIP-level market 48234

• Home prices YoY: -11.9%
• Rents YoY: 6.7%
• Active inventory: 226
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,323 high
• Mortgage (P&I): −$524
• Tax est. 1.5%: −$125 /mo · $1,500/yr
• Insurance: −$42
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$278
• Net cashflow: $299

Break-even live

Break-even rent $945

Max offer price $99,999

Occupancy floor 72%

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
19694 Gallagher St Detroit, MI	3.0	1.0	1000	$1,150	$1.15	15d	1	0.21mi
20255 Harned St Detroit, MI	3.0	1.0	1000	$1,374	$1.37	16d	1	0.23mi
19450 Norwood St Detroit, MI	3.0	1.0	1000	$1,200	$1.20	5d	1	0.38mi
19930 Binder St Detroit, MI	3.0	1.0	1000	$1,450	$1.45	16d	1	0.39mi
19360 Revere St Detroit, MI	3.0	1.0	1050	$1,250	$1.19	24d	1	0.42mi
21155 Warner Ave Warren, MI	2.0	1.0	756	$1,029	$1.36	24d	1	0.67mi
2034 John B Ave Warren, MI	3.0	1.0	920	$1,261	$1.37	43d	1	0.69mi
18666 Joseph Campau St Detroit, MI	3.0	1.0	1000	$1,400	$1.40	16d	1	0.80mi
18629 Fleming St Detroit, MI	3.0	1.5	900	$1,150	$1.28	24d	1	0.90mi
21516 Dequindre Rd Warren, MI	1.0–2.0	1.0	837	$1,375	$1.64	22d	1	0.93mi
18882 Marx St Highland Park, MI	2.0	1.0	1000	$1,300	$1.30	43d	1	0.93mi
19450 Fenelon St Detroit, MI	3.0	1.0	1062	$1,384	$1.30	5d	1	0.97mi
18662 Sunset St Detroit, MI	2.0	1.0	726	$1,250	$1.72	17d	1	0.98mi
18551 Saint Aubin St Detroit, MI	3.0	1.0	962	$1,200	$1.25	16d	1	1.02mi
18084 Goddard St Detroit, MI	2.0	1.5	790	$1,050	$1.33	16d	1	1.07mi
20794 Audrey Ave Warren, MI	3.0	1.0	954	$1,350	$1.42	43d	1	1.08mi
1621 E Evelyn Ave Hazel Park, MI	2.0	1.0	749	$1,295	$1.73	18d	1	1.11mi
19162 Conley St Detroit, MI	2.0	1.0	1000	$1,300	$1.30	43d	1	1.13mi
19361 Moenart St Unit 1 Detroit, MI	2.0	1.0	1000	$1,100	$1.10	24d	1	1.15mi
1211 E Bernhard Ave Hazel Park, MI	2.0	1.0	721	$1,500	$2.08	24d	1	1.21mi
1326 E Evelyn Ave Unit 1032332P Hazel Park, MI	3.0	2.0	1097	$6,448	$5.88	1d	1	1.24mi
1019 E Hayes Ave Unit 1032331P Hazel Park, MI	3.0	1.0	1033	$5,301	$5.13	1d	1	1.24mi
19260 Bloom St Detroit, MI	3.0	1.0	1100	$1,350	$1.23	4d	1	1.25mi
20263 Caldwell St Detroit, MI	3.0	1.0	909	$1,350	$1.49	16d	1	1.26mi
18891 Moenart St Detroit, MI	3.0	1.0	870	$1,195	$1.37	16d	1	1.27mi
1731 E Pearl Ave Hazel Park, MI	3.0	1.0	844	$1,500	$1.78	20d	1	1.33mi
18884 Bloom St Detroit, MI	3.0	1.0	979	$975	$1.00	21d	1	1.34mi
18884 Bloom St Detroit, MI	3.0	1.0	979	$975	$1.00	43d	1	1.34mi
21410 Panama St Warren, MI	3.0	1.0	900	$1,600	$1.78	24d	1	1.41mi
19703 Keating St Highland Park, MI	3.0	1.0	1000	$1,200	$1.20	16d	1	1.48mi

Listing history 50 events

1. 2026-06-18
   days on market $99,999 Active 35 DOM
2. 2026-06-17
   days on market $99,999 Active 34 DOM
3. 2026-06-15
   days on market $99,999 Active 32 DOM
4. 2026-06-13
   days on market $99,999 Active 30 DOM
5. 2026-06-13
   days on market $99,999 Active 29 DOM
6. 2026-06-09
   days on market $99,999 Active 26 DOM
7. 2026-06-08
   days on market $99,999 Active 25 DOM
8. 2026-06-07
   days on market $99,999 Active 24 DOM
9. 2026-06-04
   days on market $99,999 Active 21 DOM
10. 2026-06-03
    days on market $99,999 Active 20 DOM
11. 2026-06-02
    days on market $99,999 Active 19 DOM
12. 2026-06-01
    days on market $99,999 Active 18 DOM
13. 2026-05-31
    days on market $99,999 Active 17 DOM
14. 2026-05-14
    listed $99,999 Active 772-char remark

    Show marketing remark (772 chars)

    Welcome to the perfect starter home! This beautifully updated bungalow is ideally located within walking distance of the award-winning Renaissance High School and near Peterson Playfield, where you'll find a tennis court, basketball court, baseball and football fields, picnic areas, a playground, and scenic walking/running paths. Enjoy the convenience of being just minutes from the Northwest Activities Center, The Avenue of Fashion, Detroit Golf Club, Palmer Park, restaurants, gas stations, major freeways, and more! Inside, you'll fall in love with the beautifully updated interior. The kitchen boasts ample cabinet space with stylish shaker cabinets and durable laminate flooring. Great for a first-time home buyer or an investor bringing in positive rental income!

15. 2026-05-14
    historical

    Show marketing remark (772 chars)

    Welcome to the perfect starter home! This beautifully updated bungalow is ideally located within walking distance of the award-winning Renaissance High School and near Peterson Playfield, where you'll find a tennis court, basketball court, baseball and football fields, picnic areas, a playground, and scenic walking/running paths. Enjoy the convenience of being just minutes from the Northwest Activities Center, The Avenue of Fashion, Detroit Golf Club, Palmer Park, restaurants, gas stations, major freeways, and more! Inside, you'll fall in love with the beautifully updated interior. The kitchen boasts ample cabinet space with stylish shaker cabinets and durable laminate flooring. Great for a first-time home buyer or an investor bringing in positive rental income!

16. 2026-05-14
    historical

    Show marketing remark (772 chars)

    Welcome to the perfect starter home! This beautifully updated bungalow is ideally located within walking distance of the award-winning Renaissance High School and near Peterson Playfield, where you'll find a tennis court, basketball court, baseball and football fields, picnic areas, a playground, and scenic walking/running paths. Enjoy the convenience of being just minutes from the Northwest Activities Center, The Avenue of Fashion, Detroit Golf Club, Palmer Park, restaurants, gas stations, major freeways, and more! Inside, you'll fall in love with the beautifully updated interior. The kitchen boasts ample cabinet space with stylish shaker cabinets and durable laminate flooring. Great for a first-time home buyer or an investor bringing in positive rental income!

17. 2026-05-14
    listed $99,999 Active

    Show marketing remark (772 chars)

    Welcome to the perfect starter home! This beautifully updated bungalow is ideally located within walking distance of the award-winning Renaissance High School and near Peterson Playfield, where you'll find a tennis court, basketball court, baseball and football fields, picnic areas, a playground, and scenic walking/running paths. Enjoy the convenience of being just minutes from the Northwest Activities Center, The Avenue of Fashion, Detroit Golf Club, Palmer Park, restaurants, gas stations, major freeways, and more! Inside, you'll fall in love with the beautifully updated interior. The kitchen boasts ample cabinet space with stylish shaker cabinets and durable laminate flooring. Great for a first-time home buyer or an investor bringing in positive rental income!

18. 2026-04-21
    listed $99,999 Active
19. 2026-04-21
    listed $99,999 Active
20. 2026-04-21
    historical
21. 2026-04-21
    historical
22. 2026-02-17
    listed $106,900 Active
23. 2026-02-17
    listed $106,900 Active
24. 2026-02-17
    historical
25. 2026-01-03
    price $106,900
26. 2026-01-02
    price $106,900
27. 2025-12-16
    listed $115,000 Active
28. 2025-12-16
    listed $115,000 Active
29. 2024-11-06
    soldstatus $70,000
30. 2020-07-31
    soldstatus $47,000
31. 2014-02-28
    soldstatus $65,600
32. 2012-08-13
    soldstatus $10,500
33. 2012-08-13
    soldstatus $10,500
34. 2012-06-27
    historical
35. 2012-06-27
    historical
36. 2012-06-18
    historical
37. 2012-05-31
    listed $8,900
38. 2012-05-31
    listed $8,900
39. 2012-05-21
    historical
40. 2011-10-18
    listed $9,200
41. 2011-10-18
    listed $9,200
42. 2004-09-29
    soldstatus $97,000
43. 2004-04-30
    soldstatus $50,000
44. 2004-03-08
    listed $55,000
45. 2004-02-15
    historical
46. 2003-11-11
    listed $67,900
47. 2003-08-10
    historical
48. 2003-03-13
    listed $74,900
49. 1999-11-10
    soldstatus $25,000
50. 1999-10-06
    soldstatus $1,382,562

ⓘ 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 7/10 Severe FEMA zone X (unshaded) · 96% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 2/10 Low
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,879
• − Mortgage interest: −$5,601
• − Property taxes: −$1,500
• − Insurance: −$1,166
• − Repairs & maintenance: −$1,270
• − Management: −$1,270
• − Depreciation: −$2,909
• Taxable income: $2,161
• Est. tax owed @ 24.0%: −$519
• After-tax cash flow: $3,066/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: Detroit Public Schools Community District
• NCES district ID: 2601103
• Math proficiency: 10% ▼ -2.00%
• Reading proficiency: 24% ▲ 6.00%
• Median HH income: $25,815
• Composite: 13.06/100
• National rank: #9564
• State rank: #499 of 540 in MI

Livability — Detroit

• Score: 73/100
• State rank: #218
• US rank: #5427

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Detroit, MI
• County: Wayne County · 1,562,939 people
• City population: 572,865
• Metro: Detroit-Warren-Dearborn, MI
• Population (ZIP): 32,760
• Household income: $35,322
• Rent vs Own: 47.0% rent · 53.0% own
• Severe rent burden: 2372.0

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 1,675,273 people
• By 2030: 1,620,300 · -3.3%
• By 2040: 1,502,341 · -10.3%
• By 2050: 1,384,039 · -17.4%
• By 2075: 1,124,592 · -32.9%
• By 2100: 881,193 · -47.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (94%)
• Race & ethnicity: Black 94% White 3% Two or more races 1%
• Common ancestry: Romanian 1%
• Foreign-born: 2% · Canada, Vietnam, Philippines
• Languages at home: 97% English-only · French/Haitian/Cajun 1%

Political lean MEDSL · Wayne

• 2024 margin: Strong D (+29.0) · D 62.7% · R 33.7% · Other 3.6%
• 2008→2024 swing: -20.5pp toward R · 2008: 49.5pp · 2024: 29.0pp
• All cycles: 2024: D+29.0 2020: D+38.1 2016: D+37.3 2012: D+46.9 2008: D+49.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -44.65%
• Current HPI: 328.8978
• Rent YoY: ▲ 6.72%
• Metro: Detroit-Warren-Dearborn, MI
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

-92.8% since first listed

37 events — show timeline

• 2026-05-14 Listed $99,999 REALCOMP
• 2026-05-14 Listing Removed — MiRealSource-MiMLS
• 2026-05-14 Listing Removed — REALCOMP
• 2026-05-14 Listed $99,999 MiRealSource-MiMLS
• 2026-04-21 Listing Removed — MiRealSource-MiMLS
• 2026-04-21 Listing Removed — REALCOMP
• 2026-04-21 Listed $99,999 MiRealSource-MiMLS
• 2026-04-21 Listed $99,999 REALCOMP
• 2026-02-17 Listed $106,900 REALCOMP
• 2026-02-17 Listing Removed — MiRealSource-MiMLS
• 2026-02-17 Listed $106,900 MiRealSource-MiMLS
• 2026-01-03 Price Changed $106,900 MiRealSource-MiMLS
• 2026-01-02 Price Changed $106,900 REALCOMP
• 2025-12-16 Listed $115,000 REALCOMP
• 2025-12-16 Listed $115,000 MiRealSource-MiMLS
• 2024-11-06 Sold (Public Records) $70,000 Public Records
• 2020-07-31 Sold (Public Records) $47,000 Public Records
• 2014-02-28 Sold (Public Records) $65,600 Public Records
• 2012-08-13 Sold (MLS) $10,500 MiRealSource-MiMLS
• 2012-08-13 Sold (MLS) $10,500 REALCOMP
• 2012-06-27 Listing Removed — MiRealSource-MiMLS
• 2012-06-27 Listing Removed — REALCOMP
• 2012-06-18 Listing Removed — MiRealSource-MiMLS
• 2012-05-31 Listed $8,900 MiRealSource-MiMLS
• 2012-05-31 Listed $8,900 REALCOMP
• 2012-05-21 Listing Removed — REALCOMP
• 2011-10-18 Listed $9,200 REALCOMP
• 2011-10-18 Listed $9,200 MiRealSource-MiMLS
• 2004-09-29 Sold (Public Records) $97,000 Public Records
• 2004-04-30 Sold (MLS) $50,000 REALCOMP
• 2004-03-08 Listed $55,000 REALCOMP
• 2004-02-15 Listing Removed — REALCOMP
• 2003-11-11 Listed $67,900 REALCOMP
• 2003-08-10 Listing Removed — REALCOMP
• 2003-03-13 Listed $74,900 REALCOMP
• 1999-11-10 Sold (Public Records) $25,000 Public Records
• 1999-10-06 Sold (Public Records) $1,382,562 Public Records

Property tax history

+14.0%/yr

Latest (2025): $5,343 · +368.8% YoY. Source: county tax records.