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404 S Spalding St, Spring Valley, IL 61362 — $132,500 · 3bd · ~1.4% rule | OnePercent

404 S Spalding St, Spring Valley, IL 61362

$132,500

Home·Spring Valley 61362·404 S Spalding St, Spring Valley, IL 61362

Last confirmed 5 days ago

404 S Spalding St, Spring Valley, IL 61362

3 bd · 1 ba · 992 sqft · built 1940 · Spring Valley · SINGLE_FAMILY·source listing ↗

$132,500

rent, three ways

OnePercent model (vv1)$1,858/mo

p10–p90 confidence band

HUD Fair Market Rent · 61362 · 3BR$1,470/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Bureau

Flood risk indexRelatively Low FEMA NRI

Median household income$71,558

Median area rent$917/mo

Median home value$158,000

the verdict

1.40%vs 1.0% target

financing: 20% down · — (FRED, live) · 30yr

$132,500

1.40% · rent $1,858

Intrinsic value · income approach

$138,076

4% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.