544 Rockview Dr · Holley, NY 14470

$49,900

3 bd · 2.0 ba · 1,624 sqft · Manufactured public records · 7 Days on market

Built 1993 4,356 sqft lot Est $80k · 37% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +3.5/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located in Thomas Estate (Clarendon) Rte 31A. Minutes from Brockport (Rte 531). Well maintained 3 bedroom with 2 baths. Open floorplan. Fenced in area for pets. Large open screened porch and carport.

Key facts

• Open floor plan
• Large screened porch
• 4,356 sq ft lot

Tags

• OPEN FLOOR PLAN
• LARGE SCREENED PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $50k.

Deal economics

• At list price, monthly cash flow is $641 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Cap rate 21.7% vs local median 4.4% in Holley — 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 65/100 on livability (#705 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: schools D, amenities F, commute F.
• Holley Central School District (town): math 38% / reading 44% proficiency, ranked #505 of 590 in NY (top 86%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 43 active listings in the ZIP; 28 units permitted in Orleans County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $345 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• Orleans County population projected at -20% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 14y 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 $38k; 31% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $49,900

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 2.60% ✓
• Cap rate: 21.71%
• Cash-on-cash: 55.05%
• DSCR: 3.45
• GRM: 3.2

CMA / ARV

• ARV (on-the-fly): $79,576
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
537 Rockview Dr	0.11mi	3/2.0	1,624 (0%)	7mo	$94,000	$58	89
128 Trinity Drive Dr	0.14mi	3/2.0	1,680 (+3%)	1mo	$82,500	$49	87
225 Sunset Dr	0.21mi	3/2.0	1,680 (+3%)	8mo	$103,000	$61	78
211 Sunset Dr	0.25mi	2/2.0 (-1)	1,568 (-3%)	1mo	$45,000	$29	77
525 Rockview Dr	0.13mi	3/2.0	1,612 (-1%)	19mo	$66,000	$41	77
299 Sunset Dr	0.29mi	3/2.0	1,568 (-3%)	10mo	$50,100	$32	73
155 Trinity Dr	0.22mi	3/2.0	1,512 (-7%)	13mo	$55,000	$36	68
127 Trinity Dr	0.12mi	3/2.5	1,792 (+10%)	11mo	$62,000	$35	66
283 Sunset Dr	0.20mi	3/2.0	1,456 (-10%)	11mo	$47,500	$33	65
291 Sunset Dr	0.24mi	3/2.0	1,440 (-11%)	18mo	$70,000	$49	55
903 Cobblestone Ct	0.45mi	4/2.0 (+1)	1,496 (-8%)	12mo	$117,000	$78	51
817 Stoneybrook Trl	0.49mi	3/2.0	1,792 (+10%)	21mo	$115,000	$64	42

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: 53.3%
• Equity multiple: 3.35×
• Total profit: $32,783
• Equity at exit: $7,440

10-year hold

• IRR: 58.5%
• Equity multiple: 6.82×
• Total profit: $81,293
• Equity at exit: $4,314

Cash invested: $13,972 (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 14470

• Home prices YoY: -10.8%
• Active inventory: 43
• Price-to-rent: 3.2×

Monthly cashflow live

• Estimated rent: $1,298 medium
• Mortgage (P&I): −$262
• Tax from tax record: −$102 /mo · $1,220/yr
• Insurance: −$21
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $641

Break-even live

Break-even rent $486

Max offer price $49,900

Occupancy floor 46%

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: $12,475
• Closing costs: $1,497
• Reserves months: —
• Total cash needed: —

Listing history 4 events

1. 2026-02-20
   status Pending
2. 2026-02-13
   listed $49,900 Active
3. 2013-02-26
   soldstatus $38,000 199-char remark

   Show marketing remark (199 chars)

   Located in Thomas Estate (Clarendon) Rte 31A. Minutes from Brockport (Rte 531). Well maintained 3 bedroom with 2 baths. Open floorplan. Fenced in area for pets. Large open screened porch and carport.

4. 2012-11-08
   listed $42,900 199-char remark

   Show marketing remark (199 chars)

   Located in Thomas Estate (Clarendon) Rte 31A. Minutes from Brockport (Rte 531). Well maintained 3 bedroom with 2 baths. Open floorplan. Fenced in area for pets. Large open screened porch and carport.

ⓘ 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: $1,220 · $102/mo
• Projected year-2 tax: $1,220 · $102/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 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,571
• − Mortgage interest: −$2,795
• − Property taxes: −$1,220
• − Insurance: −$250
• − Repairs & maintenance: −$1,246
• − Management: −$1,246
• − Depreciation: −$1,452
• Taxable income: $7,364
• Est. tax owed @ 24.0%: −$1,767
• After-tax cash flow: $5,925/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: Holley Central School District
• NCES district ID: 3614610
• Math proficiency: 38% ▼ -10.00%
• Reading proficiency: 44% ▲ 2.00%
• Median HH income: $48,177
• Composite: 35.13/100
• National rank: #5013
• State rank: #505 of 590 in NY

Livability — Holley

• Score: 65/100
• State rank: #705
• US rank: #13281

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 7,765

Population outlook (Orleans County) Hauer SSP2

• Today (2025): 39,123 people
• By 2030: 37,648 · -3.8%
• By 2040: 34,432 · -12.0%
• By 2050: 31,487 · -19.5%
• By 2075: 26,544 · -32.2%
• By 2100: 22,251 · -43.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Two or more races 4% Hispanic / Latino 3% Black 2%
• Common ancestry: Romanian 4% Iranian 4% Lithuanian 3%
• Foreign-born: 3% · Canada
• Languages at home: 97% English-only · Spanish 1% Tagalog/Filipino 1% German/W. Germanic 1%

Political lean MEDSL · Orleans

• 2024 margin: Solid R (+40.5) · D 29.8% · R 70.2%
• 2008→2024 swing: -21.8pp toward R · 2008: -18.7pp · 2024: -40.5pp
• All cycles: 2024: R+40.5 2020: R+36.0 2016: R+43.4 2012: R+19.4 2008: R+18.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -34.80%
• Current HPI: 287.9167
• 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

+16.3% since first listed

4 events — show timeline

• 2026-02-20 Pending — UNYREIS
• 2026-02-13 Listed $49,900 UNYREIS
• 2013-02-26 Sold (MLS) $38,000 UNYREIS
• 2012-11-08 Listed $42,900 UNYREIS

Property tax history

+16.1%/yr

Latest (2025): $1,220 · -0.2% YoY. Source: county tax records.