123 Trafalgar St · Rochester, NY 14619

$189,900

3 bd · 1.5 ba · 1,912 sqft · SingleFamily public records · 7 Days on market

Built 1924 5,670 sqft lot $99/sqft · 22% below area Est $245k · 22% under

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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 +19.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.1/10.0
• 1% rule +4.2/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 19th Ward colonial in the heart of the Sibley Track all dolled up and ready for a new owner! The following are all new or updated: Roof, kitchen, flooring, baths, windows and more! Boasting 3 bedrooms, sleeping porch, inviting open front porch, fireplace, formal dinging room, foyer, finished attic, 2 car garage, fenced back yard. Convenient location and eligible for the U of R grant!

Key facts

• Screened in porch
• Secret room
• Updated kitchen

Tags

• UPDATED KITCHEN
• SCREENED IN PORCH
• NEWLY REMODELED FULL BATHROOM
• SECRET ROOM
• RADIANT HEATED FLOORS
• THOUGHTFULLY DESIGNED BACKYARD

Property features AI

Exterior

• Parking: No garage
• Utilities: Electricity connected (circuit breakers); High-speed internet available; Sewer connected; Public water connected
• Home design: 2 stories; Vinyl siding; Resale property
• Construction: Block foundation; Vinyl siding construction
• Exterior features: Blacktop driveway; Balcony; Open porch; Fence (partial)

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator
• Bedrooms: Bedroom 1 on second level; Bedroom 2 on second level; Bedroom 3 on second level; Bedroom 4 on third level
• Flooring: Hardwood; Varies
• Bathrooms: 2 full bathrooms
• Heating & cooling: Gas heating; Central air conditioning
• Interior features: Attic; Entrance foyer; Solid surface counters; Natural woodwork; Has fireplace (1)
• Laundry & utility: Laundry in basement; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $207 ($2k/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 $174k (8.1% below list).
• Recommended offer: $174k (8.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 76/100 on livability (#222 in NY, #3,482 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, crime F, employment F.
• Rochester City School District (urban): math 21% / reading 26% proficiency, ranked #589 of 590 in NY (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 48 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 1,169 units permitted in Monroe County in 2024 (591 in 5+ unit buildings).

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.
• Monroe County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 11y 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 $98k; list at $190k implies a 93% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1924 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $174,492 (8.1% below list)

Questions for the listing agent

1. Built in 1924 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-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. 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?
5. 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.
6. 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.
7. 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: 0.92% ✗
• Cap rate: 7.60%
• Cash-on-cash: 4.67%
• DSCR: 1.21
• GRM: 9.1

CMA / ARV

• ARV (median comp): $244,765
• List price: $189,900
• Delta: -22.42%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
211 Wellington Ave	0.30mi	4/2.0 (+1)	1,904 (-0%)	1mo	$262,000	$138	77
138 Ellicott St	0.45mi	3/1.0	1,894 (-1%)	0mo	$123,150	$65	75
305 Aldine St	0.16mi	3/1.5	2,136 (+12%)	1mo	$217,500	$102	72
71 Aberdeen St	0.20mi	4/1.5 (+1)	1,740 (-9%)	2mo	$245,000	$141	69
469 Arnett Blvd	0.25mi	4/2.0 (+1)	2,060 (+8%)	3mo	$125,000	$61	66
14 Burlington Ave	0.44mi	3/1.5	1,721 (-10%)	1mo	$230,000	$134	62
174 Gardiner Ave	0.62mi	4/2.0 (+1)	1,937 (+1%)	0mo	$205,507	$106	62
71 Normandy Ave	0.44mi	4/2.0 (+1)	1,808 (-5%)	3mo	$132,000	$73	61
71 Inglewood Dr	0.57mi	4/1.0 (+1)	1,949 (+2%)	3mo	$170,000	$87	61
117 Millbank St	0.54mi	4/2.0 (+1)	1,639 (-14%)	1mo	$173,000	$106	43
295 Terrace Park	0.72mi	3/2.0	1,685 (-12%)	2mo	$185,000	$110	43
88 Gardiner Ave	0.71mi	4/2.0 (+1)	1,676 (-12%)	1mo	$108,000	$64	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -9.1%
• Equity multiple: 0.67×
• Total profit: $-17,664
• Equity at exit: $28,315

10-year hold

• IRR: 0.4%
• Equity multiple: 1.03×
• Total profit: $1,331
• Equity at exit: $16,419

Cash invested: $53,172 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 15 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City: — inherits STATE

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 14619

• Home prices YoY: -10.0%
• Active inventory: 48
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,745 high
• Mortgage (P&I): −$996
• Tax from tax record: −$97 /mo · $1,161/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$366
• Net cashflow: $207

Break-even live

Break-even rent $1,483

Max offer price $189,900

Occupancy floor 83%

Sensitivity live

Price	-10% $314	-5% $261	+0% $207	+5% $153	+10% $99
Rent	-10% $69	-5% $138	+0% $207	+5% $276	+10% $345
Rate	-1.0pp $302	-0.5pp $255	base $207	+0.5pp $158	+1.0pp $107

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
190 Warwick Ave Rochester, NY	3.0	1.5	1240	$1,400	$1.13	44d	1	0.30mi
132 Anthony St Rochester, NY	3.0	1.0	1260	$1,500	$1.19	4d	1	0.41mi
485 Sawyer St Rochester, NY	3.0	1.0	1400	$1,900	$1.36	3d	1	0.42mi
485 Sawyer St Unit 1 Rochester, NY	3.0	1.0	1400	$1,900	$1.36	44d	1	0.42mi
79 Evangeline St Rochester, NY	3.0	2.0	1876	$2,500	$1.33	3d	1	0.57mi
161 Fillmore St Rochester, NY	4.0	2.0	1612	$1,400	$0.87	15d	1	0.61mi
48 Thorndale Ter Rochester, NY	4.0	1.5	1700	$1,400	$0.82	15d	1	0.65mi
793 Woodbine Ave Rochester, NY	4.0	1.0	1700	$2,200	$1.29	3d	1	0.68mi
249 1/2 Columbia Ave #249 Rochester, NY	3.0	1.0	1600	$1,300	$0.81	15d	1	0.75mi
102 Virginia Ave Rochester, NY	4.0	1.5	1453	$2,150	$1.48	3d	1	0.80mi
193 Reynolds St Rochester, NY	3.0	1.5	1342	$1,800	$1.34	22d	1	0.87mi
478 Tremont St Rochester, NY	3.0	2.0	1424	$1,500	$1.05	44d	1	0.88mi
32 Stanton St Rochester, NY	3.0	1.0	1390	$1,500	$1.08	11d	1	0.91mi
1317 Genesee St Rochester, NY	3.0	2.0	1720	$2,550	$1.48	3d	1	1.05mi
385 Ames St Rochester, NY	3.0	1.5	1738	$1,500	$0.86	22d	1	1.25mi
710-712 Jay St Unit 3 Rochester, NY	2.0	1.0	1252	$895	$0.71	44d	1	1.36mi

Listing history 8 events

1. 2026-05-13
   status Pending 1831-char remark
2. 2026-05-06
   listed $189,900 Active 1831-char remark
3. 2016-09-09
   soldstatus $98,500 Closed Sale or Rented 398-char remark

   Show marketing remark (398 chars)

   Charming 19th Ward colonial in the heart of the Sibley Track all dolled up and ready for a new owner! The following are all new or updated: Roof, kitchen, flooring, baths, windows and more! Boasting 3 bedrooms, sleeping porch, inviting open front porch, fireplace, formal dinging room, foyer, finished attic, 2 car garage, fenced back yard. Convenient location and eligible for the U of R grant!

4. 2016-08-22
   soldstatus $98,500
5. 2016-03-15
   listed $98,500 398-char remark

   Show marketing remark (398 chars)

   Charming 19th Ward colonial in the heart of the Sibley Track all dolled up and ready for a new owner! The following are all new or updated: Roof, kitchen, flooring, baths, windows and more! Boasting 3 bedrooms, sleeping porch, inviting open front porch, fireplace, formal dinging room, foyer, finished attic, 2 car garage, fenced back yard. Convenient location and eligible for the U of R grant!

6. 2015-10-23
   soldstatus $43,000 Closed Sale or Rented

   Show marketing remark (607 chars)

   Stately 19th Ward Colonial convenient to U of R and Strong! Needs some TLC which is reflected in price but kitchen has been updated. All rooms are good sized. For this price you will definately not be disappointed! This will not last! Pls note that the seller will not supply/pay for instrument survey, abstract nor will they pay for any transfer fees for this transaction. Selling "as-is. " Seller also requires a minimum $1,000 as EMD. The spacious open front porch will be a great spot to relax and enjoy the outdoors. Nice backyard with very large detached garage area. Hurry on this one! * *

7. 2015-09-23
   status Pending Sale

   Show marketing remark (607 chars)

   Stately 19th Ward Colonial convenient to U of R and Strong! Needs some TLC which is reflected in price but kitchen has been updated. All rooms are good sized. For this price you will definately not be disappointed! This will not last! Pls note that the seller will not supply/pay for instrument survey, abstract nor will they pay for any transfer fees for this transaction. Selling "as-is. " Seller also requires a minimum $1,000 as EMD. The spacious open front porch will be a great spot to relax and enjoy the outdoors. Nice backyard with very large detached garage area. Hurry on this one! * *

8. 2015-09-18
   listed $24,900 Active

   Show marketing remark (607 chars)

   Stately 19th Ward Colonial convenient to U of R and Strong! Needs some TLC which is reflected in price but kitchen has been updated. All rooms are good sized. For this price you will definately not be disappointed! This will not last! Pls note that the seller will not supply/pay for instrument survey, abstract nor will they pay for any transfer fees for this transaction. Selling "as-is. " Seller also requires a minimum $1,000 as EMD. The spacious open front porch will be a great spot to relax and enjoy the outdoors. Nice backyard with very large detached garage area. Hurry on this one! * *

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

Tax reassessment forecast NY · Partial reset (capped growth)

• Current annual tax: $1,161 · $97/mo
• Projected year-2 tax: $2,185 · $182/mo
• Expected delta: +$1,024/yr (+$85/mo · 88.2%)

ⓘ 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 2/10 Low 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,939
• − Mortgage interest: −$10,637
• − Property taxes: −$1,161
• − Insurance: −$950
• − Repairs & maintenance: −$1,675
• − Management: −$1,675
• − Depreciation: −$5,524
• Taxable loss: −$683
• Est. tax savings @ 24.0%: +$164
• After-tax cash flow: $2,645/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: Rochester City School District
• NCES district ID: 3624750
• Math proficiency: 21% ▬ 0.00%
• Reading proficiency: 26% ▲ 4.00%
• Median HH income: $30,923
• Composite: 18.98/100
• National rank: #8850
• State rank: #589 of 590 in NY

Livability — Rochester

• Score: 76/100
• State rank: #222
• US rank: #3482

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rochester, NY
• City population: 432,803
• Population (ZIP): 14,223

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 759,460 people
• By 2030: 757,154 · -0.3%
• By 2040: 740,644 · -2.5%
• By 2050: 714,443 · -5.9%
• By 2075: 645,883 · -15.0%
• By 2100: 547,084 · -28.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Black (66%)
• Race & ethnicity: Black 66% White 20% Two or more races 8% Hispanic / Latino 6% Asian 1%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 2% Swedish 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 92% English-only · Spanish 3% Arabic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Monroe

• 2024 margin: D (+19.1) · D 59.5% · R 40.5%
• 2008→2024 swing: +1.4pp toward D · 2008: 17.7pp · 2024: 19.1pp
• All cycles: 2024: D+19.1 2020: D+21.0 2016: D+14.1 2012: D+17.4 2008: D+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -30.67%
• Current HPI: 276.3851
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+662.7% since first listed

8 events — show timeline

• 2026-05-13 Pending — UNYREIS
• 2026-05-06 Listed $189,900 UNYREIS
• 2016-09-09 Sold (MLS) $98,500 UNYREIS
• 2016-08-22 Sold (Public Records) $98,500 Public Records
• 2016-03-15 Listed $98,500 UNYREIS
• 2015-10-23 Sold (MLS) $43,000 UNYREIS
• 2015-09-23 Pending — UNYREIS
• 2015-09-18 Listed $24,900 UNYREIS

Property tax history

+2.5%/yr

Latest (2025): $1,161 · -2.7% YoY. Source: county tax records.