7793 Camroden Rd · Rome, NY 13440

$67,000

2 bd · 1.0 ba · 1,208 sqft · SingleFamily public records · 101 Days on market

Built 1965 0.29 ac lot $55/sqft · 70% below area

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• 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

Tucked away on a quiet country road, this three-bedroom, one-bath ranch-style home offers the perfect opportunity for someone ready to make it their own. Whether you’re a first-time buyer, downsizing, or looking for a peaceful weekend retreat, this property delivers simplicity, potential, and charm in a serene setting. Set on a manageable quarter-acre lot, the home provides just the right amount of outdoor space for gardening, relaxing, or enjoying time with friends and family. The one-stall attached garage adds everyday convenience and offers additional storage space. Inside, the home features a classic, easy-to-navigate layout. Enjoy the tranquility of rural living while still being within a reasonable drive to town conveniences, shopping, and local amenities. Bring your vision and make this house your home. With a little creativity and care, it could be something truly special. Don’t miss the chance to own a slice of country charm.

Key facts

• Quarter-acre lot
• 0.29 acre lot
• Garage

Tags

• QUARTER-ACRE LOT
• ONE-STALL ATTACHED GARAGE

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $67k.

Deal economics

• At list price, monthly cash flow is $681 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $67k).
• Recommended offer: $61k (9.0% below list) — sets the bar for market timing.
• Cap rate 18.5% vs local median 5.6% in Rome — 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 64/100 on livability (#722 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, schools F, amenities F.
• Holland Patent Central School District (rural): math 44% / reading 63% proficiency, ranked #303 of 590 in NY (top 51%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 272 active listings in the ZIP; 204 units permitted in Oneida County in 2024 (68 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $463 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Oneida County population projected at -12% 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 $19k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 101 days — a 9% lower offer ($61k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 17y 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.

Recommended offer $60,970 (9.0% below list)

Questions for the listing agent

1. It's been on market 101 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
7. 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.
8. 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: 2.16% ✓
• Cap rate: 18.49%
• Cash-on-cash: 43.55%
• DSCR: 2.94
• GRM: 3.9

CMA / ARV

• ARV (median comp): $220,998
• List price: $67,000
• Delta: -69.68%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 40.4%
• Equity multiple: 2.73×
• Total profit: $32,525
• Equity at exit: $9,990

10-year hold

• IRR: 46.7%
• Equity multiple: 5.49×
• Total profit: $84,244
• Equity at exit: $5,793

Cash invested: $18,760 (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 13440

• Home prices YoY: -8.0%
• Active inventory: 272
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,448 medium
• Mortgage (P&I): −$351
• Tax est. 1.5%: −$84 /mo · $1,005/yr
• Insurance: −$28
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $681

Break-even live

Break-even rent $586

Max offer price $67,000

Occupancy floor 48%

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: $16,750
• Closing costs: $2,010
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-19
   days on market $67,000 Active 101 DOM
2. 2026-06-18
   days on market $67,000 Active 100 DOM
3. 2026-06-17
   days on market $67,000 Active 99 DOM
4. 2026-06-16
   days on market $67,000 Active 98 DOM
5. 2026-06-15
   days on market $67,000 Active 97 DOM
6. 2026-06-14
   days on market $67,000 Active 95 DOM
7. 2026-06-13
   days on market $67,000 Active 94 DOM
8. 2026-06-10
   days on market $67,000 Active 92 DOM
9. 2026-06-09
   days on market $67,000 Active 91 DOM
10. 2026-06-08
    days on market $67,000 Active 90 DOM
11. 2026-06-07
    days on market $67,000 Active 89 DOM
12. 2026-06-05
    days on market $67,000 Active 86 DOM
13. 2026-06-03
    days on market $67,000 Active 85 DOM
14. 2026-06-02
    days on market $67,000 Active 84 DOM
15. 2026-06-01
    days on market $67,000 Active 83 DOM
16. 2026-05-31
    days on market $67,000 Active 82 DOM
17. 2026-05-30
    days on market $67,000 Active 81 DOM
18. 2026-03-10
    listed $67,000 Active 960-char remark

    Show marketing remark (960 chars)

    Tucked away on a quiet country road, this three-bedroom, one-bath ranch-style home offers the perfect opportunity for someone ready to make it their own. Whether you’re a first-time buyer, downsizing, or looking for a peaceful weekend retreat, this property delivers simplicity, potential, and charm in a serene setting. Set on a manageable quarter-acre lot, the home provides just the right amount of outdoor space for gardening, relaxing, or enjoying time with friends and family. The one-stall attached garage adds everyday convenience and offers additional storage space. Inside, the home features a classic, easy-to-navigate layout. Enjoy the tranquility of rural living while still being within a reasonable drive to town conveniences, shopping, and local amenities. Bring your vision and make this house your home. With a little creativity and care, it could be something truly special. Don’t miss the chance to own a slice of country charm.

19. 2026-02-15
    historical
20. 2025-08-06
    listed $67,000 Active
21. 2010-06-30
    soldstatus $95,600
22. 2010-02-16
    listed $89,900
23. 2009-12-28
    soldstatus $32,500
24. 2009-08-20
    listed $39,900
25. 2007-02-23
    soldstatus $57,500

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,374
• − Mortgage interest: −$3,753
• − Property taxes: −$1,005
• − Insurance: −$335
• − Repairs & maintenance: −$1,390
• − Management: −$1,390
• − Depreciation: −$1,949
• Taxable income: $7,552
• Est. tax owed @ 24.0%: −$1,813
• After-tax cash flow: $6,357/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: Holland Patent Central School District
• NCES district ID: 3614580
• Math proficiency: 44% ▼ -20.00%
• Reading proficiency: 63% ▲ 8.00%
• Median HH income: $66,571
• Composite: 47.2/100
• National rank: #2320
• State rank: #303 of 590 in NY

Livability — Rome

• Score: 64/100
• State rank: #722
• US rank: #13676

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 41,418
• Population (ZIP): 41,273

Population outlook (Oneida County) Hauer SSP2

• Today (2025): 225,223 people
• By 2030: 220,384 · -2.1%
• By 2040: 209,071 · -7.2%
• By 2050: 197,920 · -12.1%
• By 2075: 175,541 · -22.1%
• By 2100: 148,491 · -34.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 7% Two or more races 6% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 9% Lithuanian 4% Slovak 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 94% English-only · Spanish 3% Other Indo-European 1%

Political lean MEDSL · Oneida

• 2024 margin: Strong R (+21.3) · D 39.4% · R 60.6%
• 2008→2024 swing: -15.2pp toward R · 2008: -6.1pp · 2024: -21.3pp
• All cycles: 2024: R+21.3 2020: R+15.5 2016: R+21.1 2012: R+5.3 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -29.58%
• Current HPI: 339.3589
• 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

+16.5% since first listed

8 events — show timeline

• 2026-03-10 Listed $67,000 CNYIS
• 2026-02-15 Listing Removed — CNYIS
• 2025-08-06 Listed $67,000 CNYIS
• 2010-06-30 Sold (MLS) $95,600 CNYIS
• 2010-02-16 Listed $89,900 CNYIS
• 2009-12-28 Sold (MLS) $32,500 CNYIS
• 2009-08-20 Listed $39,900 CNYIS
• 2007-02-23 Sold (Public Records) $57,500 Public Records

Property tax history

+2.2%/yr

Latest (2025): $3,952 · +5.6% YoY. Source: county tax records.