Cottage / Storybook home in Chicago, IL
This 1,265-square-foot Cottage home in Chicago, IL includes 4 bedrooms and 1 bathroom. Its Cottage character defines the property's look.
| Price | $399,000 |
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| Beds | 4 |
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| Baths | 1 |
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| Sqft | 1265 |
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| Architectural style | Cottage / Storybook (37% match) |
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| Address | 4834 W Cullom Ave, Chicago, IL 60641 |
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Why buy this home
- Confirmed Cottage / Storybook architecture, matched from the listing photos by Enzo's vision model.
- Includes a real agent video tour.
- Links directly to the original source listing on Zillow.
Is this a good buy?
Priced below comparable homes.
- At $399K, this home is 40% below the $663K median for 110 similar Cottage / Storybook homes in Chicago, IL.
- That works out to $315 per square foot, 14% below the $367 comparable rate.
| This home | $399,000 |
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| Cottage / Storybook median in Chicago, IL | $662,500 (110 homes) |
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| Price per sq ft | $315 vs. $367 comps median |
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It is well below comparable homes, which can mean condition issues, a smaller lot or living area, a leasehold, or a data quirk. Check the source listing before getting excited. Enzo's reads public listing data and links to the original source. Confirm condition, HOA, taxes and fees there. This is a signal, not advice.
What it costs to own
Estimated at $3,025/month with 20% down at a 7.28% 30-year fixed rate. You would need about $129,653 in gross annual income to keep housing within a 28% ratio.
| Mortgage (P&I) | $2,184/mo |
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| Property tax (new-buyer reassessed rate) | $692/mo |
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| Homeowners insurance | $150/mo |
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| Total monthly | $3,025/mo |
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| Down payment (20%) | $79,800 |
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| Income needed | $129,653/yr |
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A signal to compare homes, not financial advice or a loan offer.
Financial outlook (modeled)
Enzo's grades this home C+ (62 out of 100) over a 5-year hold, from a Monte-Carlo of local home-price dynamics and the interest-rate path versus renting.
| Grade | C+ (62/100) |
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| Beats renting in | 10% of modeled paths |
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| Modeled 5-yr equity (median) | $198,673 |
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| Range (10th to 90th pct) | $120,397 to $290,089 |
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A probabilistic model built on public data (Zillow ZHVI, FRED rates), not a guarantee or financial advice. Local price dynamics are pooled toward Chicago, IL where local data is thin.
Local home values
Typical home values in Chicago, IL have risen about 27% over the past 5 years (+5% in the last year), per the Zillow Home Value Index. This reflects the metro market, not this specific home.
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