211 Windemere Rd · Rochester, NY 14610

$319,900

4 bd · 2.5 ba · 1,860 sqft · SingleFamily public records · 7 Days on market

Built 1955 0.29 ac lot $172/sqft · 16% below area Est $380k · 16% under

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Why this score? — see what drove the D 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).

• ARV discount +14.6/15.0
• Cash flow +10.3/30.0
• Livability +3.8/5.0
• Rent growth +3.2/5.0
• DSCR +2.9/10.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks

Lovely colonial set in the heart of the highly sought after Browncroft neighborhood! Built in the 1950's, this gem is open and spacious, with an abundance of natural light and hardwood floors throughout the upstairs and down. The living room is large, with a broad picture window, woodburning fireplace, built in bookcase, and mantle with dental molding. The dining room also boasts a bowed picture window that overlooks a large, fenced back yard. Off of the dining room sits the sunroom/office, with exposed brick, knotty pine and built in bookcases. The kitchen more than ample cabinet space and granite countertop with deep sink. .. and a breakfast bar that also overlooks the back yard. Upstairs

Key facts

• 0.29 acre lot
• 2 garage spots
• Built 1955

Property features AI

Exterior

• Parking: Attached 2-car garage; Driveway parking
• Utilities: Electricity connected (circuit breakers); Public water connected; Sewer connected
• Home design: 2-story existing home; Resale property
• Construction: Vinyl siding; Copper plumbing; Asphalt roof; Block foundation
• Exterior features: Blacktop driveway; Near public transit; Rectangular residential lot; City street frontage

Interior

• Kitchen: Electric cooktop; Dishwasher
• Bedrooms: Total rooms include bedrooms (room level details not specified)
• Flooring: Ceramic tile; Hardwood; Laminate; Varied flooring
• Bathrooms: 2 full bathrooms; 1 half bathroom; 1 main-level bathroom
• Heating & cooling: Gas forced-air heating; Central air conditioning; Attic fan
• Interior features: Separate/formal dining room; Separate/formal living room; Primary bedroom with private bath; See remarks
• Laundry & utility: Washer and dryer; Main-level laundry

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $320k.

Deal economics

• At list price, monthly cash flow is $-178 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $289k (9.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $237k (25.9% below list).
• Recommended offer: $237k (25.9% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 9.3% in Rochester — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

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: Rents rising (+2.7%/yr); 85 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals leasing fast (median 11d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,169 units permitted in Monroe County in 2024 (591 in 5+ unit buildings).
• This rent runs 33% of the median local income ($86k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $236,981 (25.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.74% ✗
• Cap rate: 5.63%
• Cash-on-cash: -2.38%
• DSCR: 0.89
• GRM: 11.2

CMA / ARV

• ARV (median comp): $380,124
• List price: $319,900
• Delta: -15.84%
• 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
183 Corwin Rd	0.17mi	3/1.5 (-1)	1,785 (-4%)	3mo	$490,000	$275	73
170 Elm Dr	0.36mi	4/1.5	1,794 (-4%)	4mo	$300,000	$167	70
755 Corwin Rd	0.44mi	3/2.5 (-1)	1,957 (+5%)	0mo	$480,000	$245	66
70 Lanark Cres	0.26mi	3/1.0 (-1)	1,788 (-4%)	6mo	$273,103	$153	65
262 Beresford Rd	0.45mi	3/2.0 (-1)	1,872 (+1%)	7mo	$375,000	$200	65
787 Corwin Rd	0.44mi	4/2.0	1,985 (+7%)	4mo	$454,000	$229	63
153 Fairhaven Rd	0.24mi	4/1.5	1,676 (-10%)	7mo	$240,000	$143	63
275 Yarmouth Rd	0.42mi	3/2.5 (-1)	2,083 (+12%)	1mo	$440,000	$211	54
50 Blossom Cir E	0.71mi	3/2.0 (-1)	1,841 (-1%)	7mo	$381,000	$207	52
39 Wendover Rd	0.60mi	3/2.0 (-1)	1,660 (-11%)	4mo	$330,000	$199	44
116 Newcroft Park	0.68mi	3/3.0 (-1)	1,652 (-11%)	0mo	$510,000	$309	42
67 Merwin Ave	0.69mi	4/1.5	1,592 (-14%)	3mo	$354,000	$222	37

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 · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -20.6%
• Equity multiple: 0.29×
• Total profit: $-63,886
• Equity at exit: $47,698

10-year hold

• IRR: -14.4%
• Equity multiple: 0.18×
• Total profit: $-73,179
• Equity at exit: $27,659

Cash invested: $89,572 (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 14610

• Home prices YoY: -23.6%
• Rents YoY: 2.7%
• Active inventory: 85
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $2,370 high
• Mortgage (P&I): −$1,678
• Tax from tax record: −$239 /mo · $2,868/yr
• Insurance: −$133
• HOA: −$0
• Vacancy / Maint / Mgmt: −$498
• Net cashflow: $-178

Break-even live

Break-even rent $2,595

Max offer price $288,505

Occupancy floor —

Sensitivity live

Price	-10% $3	-5% $-87	+0% $-178	+5% $-268	+10% $-359
Rent	-10% $-365	-5% $-271	+0% $-178	+5% $-84	+10% $9
Rate	-1.0pp $-17	-0.5pp $-96	base $-178	+0.5pp $-261	+1.0pp $-345

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: $79,975
• Closing costs: $9,597
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
176 Merwin Ave Rochester, NY	4.0	1.5	1750	$2,200	$1.26	44d	1	0.63mi
1079 Garson Ave Rochester, NY	3.0	1.5	1273	$2,100	$1.65	11d	1	1.00mi
1600 East Ave Rochester, NY	3.0	1.0–2.0	944	$2,875	$3.04	3d	1	1.11mi
2500 East Ave Rochester, NY	3.0	1.0–3.0	1171	$2,520	$2.15	3d	17	1.17mi
1159 Culver Rd Unit A2 UP Rochester, NY	3.0	1.0	1313	$1,500	$1.14	44d	1	1.36mi
420 Rosewood Ter Rochester, NY	3.0	1.0	1246	$1,300	$1.04	4d	1	1.46mi

Listing history 2 events

1. 2026-05-13
   status Pending 988-char remark
2. 2026-05-06
   listed $319,900 Active 988-char remark

ⓘ 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: $2,868 · $239/mo
• Projected year-2 tax: $4,137 · $345/mo
• Expected delta: +$1,269/yr (+$106/mo · 44.3%)

ⓘ 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,438
• − Mortgage interest: −$17,919
• − Property taxes: −$2,868
• − Insurance: −$1,600
• − Repairs & maintenance: −$2,275
• − Management: −$2,275
• − Depreciation: −$9,306
• Taxable loss: −$7,805
• Est. tax savings @ 24.0%: +$1,873
• After-tax cash flow: $-259/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
• County: Monroe County · 674,131 people
• City population: 432,803
• Metro: Rochester, NY
• Population (ZIP): 14,311
• Household income: $85,961
• Rent vs Own: 47.5% rent · 52.5% own
• Severe rent burden: 923.0

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 White (81%)
• Race & ethnicity: White 81% Black 6% Hispanic / Latino 6% Two or more races 6% Asian 3%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Romanian 6% Iranian 4% Scotch-Irish 2%
• Foreign-born: 7% · Canada, South Korea
• Languages at home: 92% English-only · Spanish 2% Russian/Polish/Slavic 1% Other Indo-European 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: ▼ -86.64%
• Current HPI: 280.8593
• Rent YoY: ▲ 2.72%
• Metro: Rochester, NY
• 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

2 events — show timeline

• 2026-05-13 Pending — UNYREIS
• 2026-05-06 Listed $319,900 UNYREIS

Property tax history

+2.0%/yr

Latest (2025): $2,868 · -5.2% YoY. Source: county tax records.