404 John Joy Rd · Zena, NY 12498

$679,000

2 bd · 2.0 ba · 2,644 sqft · SingleFamily public records · 116 Days on market

Built 1968 3.40 ac lot

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Why this score? — see what drove the F 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 +7.5/15.0
• Schools +4.1/10.0
• Livability +3.0/5.0
• Cash flow +2.7/30.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.4/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

Key facts

• 3.4 acre lot
• Garage
• Pool

Property features AI

Exterior

• Parking: Attached or adjacent garage with 1 garage space; 2-space carport
• Utilities: Septic tank sewer; Cable connected; Electricity connected
• Home design: Single family residence; Measured living area
• Construction: Frame construction; Slab foundation
• Exterior features: Garden; Shed(s); Stable(s); Private pool

Interior

• Kitchen: Dishwasher; Electric oven / electric range; Range; Refrigerator; Electric water heater
• Bedrooms: 12 total rooms (includes bedrooms and living spaces)
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Wall/window air conditioning units; Wood burning stove (fireplace)
• Interior features: First-floor bedroom; First-floor full bathroom; Deck
• Laundry & utility: Washer; Dryer; Washer and dryer hookups; Laundry room

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $679k.

Deal economics

• At list price, monthly cash flow is $-2k ($-28k/yr) — negative.
• To cash-flow at today's rent, offer at most $320k (52.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $363k (46.5% below list).
• Recommended offer: $320k (52.9% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 60/100 on livability (#966 in NY) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+; Watch: crime C-, amenities F, commute F.
• Saugerties Central School District (suburban): math 38% / reading 57% proficiency, ranked #419 of 590 in NY (top 71%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Morse School (math 27% / reading 62%, grade F, #1,277 of 2,108 statewide, top 64%, 301 students, 49% FRL); Saugerties Junior High School (math 20% / reading 44%, grade F, #511 of 729 statewide, top 71%, 358 students, 46% FRL); Saugerties Senior High School (math 92% / reading 92%, grade A+, #171 of 1,100 statewide, top 18%, 756 students, 44% FRL) — zoned schools average 46% FRL vs 31% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 72 active listings in the ZIP; 464 units permitted in Ulster County in 2024 (170 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $5k of loan paydown is wiped out by about $20k of value loss. Plan a longer hold.
• Ulster County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 116 days — a 9% lower offer ($618k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y ago; this cycle's ask has dropped $51k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $439k; list at $679k implies a 55% gain — meaningful room to come down on a strong offer.

Recommended offer $319,807 (52.9% 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. It's been on market 116 days. Have you received any prior offers? Is the seller open to a 53% concession, seller financing, or rate buy-down credit?
3. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.54% ✗
• Cap rate: 2.22%
• Cash-on-cash: -14.55%
• DSCR: 0.35
• GRM: 15.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -44.0%
• Equity multiple: -0.35×
• Total profit: $-256,494
• Equity at exit: $101,241

10-year hold

• IRR: -77.4%
• Equity multiple: -1.16×
• Total profit: $-410,973
• Equity at exit: $58,708

Cash invested: $190,120 (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 12498

• Home prices YoY: -21.8%
• Active inventory: 72
• Price-to-rent: 15.6×

Monthly cashflow live

• Estimated rent: $3,634 medium
• Mortgage (P&I): −$3,561
• Tax from tax record: −$1,333 /mo · $15,990/yr
• Insurance: −$283
• HOA: −$0
• Vacancy / Maint / Mgmt: −$763
• Net cashflow: $-2,305

Break-even live

Break-even rent $6,552

Max offer price $319,807

Occupancy floor —

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: $169,750
• Closing costs: $20,370
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-08
   days on market $679,000 Active 116 DOM
2. 2026-06-07
   days on market $679,000 Active 115 DOM
3. 2026-06-05
   days on market $679,000 Active 112 DOM
4. 2026-06-03
   days on market $679,000 Active 111 DOM
5. 2026-06-02
   days on market $679,000 Active 110 DOM
6. 2026-06-01
   days on market $679,000 Active 109 DOM
7. 2026-05-31
   days on market $679,000 Active 108 DOM
8. 2026-05-30
   days on market $679,000 Active 107 DOM
9. 2026-05-25
   status Active 2256-char remark

   Show marketing remark (2256 chars)

   Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

10. 2026-05-25
    status Active

    Show marketing remark (2256 chars)

    Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

11. 2026-03-09
    price $679,000 2256-char remark

    Show marketing remark (2256 chars)

    Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

12. 2026-03-09
    price $679,000

    Show marketing remark (2256 chars)

    Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

13. 2026-02-12
    price $729,000 2256-char remark

    Show marketing remark (2256 chars)

    Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

14. 2026-02-11
    listed $729,999 Active 2256-char remark

    Show marketing remark (2256 chars)

    Highly motivated sellers, bring your offers! Classic Woodstock charm awaits you at this gentleman's farm set on 3.4 beautiful park-like acres located on the much-desired John Joy Road. This 2644sq ft. 3 bedroom, (with potential for a 4th) 2 bath home is built on slab foundation and is ready for renovation and personalization to make it your own. Property features an in-ground pool bordered by stunning rock outcroppings and perennial garden, and a 24 x 30 white oak barn ready for your horses and four-legged friends. Maybe you'd prefer to convert it into a rental, guest space, studio, garage, workshop, etc. The potential is here. How about enjoying your morning coffee in the second level screened in sunroom, a spot that will make you feel as if you're in a treehouse while you relax and overlook your barn and views of the property. For those who work at home, there is a first floor home office with separate entrance. There is also a two-vehicle carport with attached motorcycle garage/storage/workshop. What's already here is difficult to replicate, and the potential is clear for the buyer who recognizes the value in location, lifestyle and long-term upside. The property also offers an investment opportunity for those looking for the next project- whether Airbnb, multiple unit conversion for rental, generational living, and so on. Buyer to do due diligence, contact realtor for details. .And for those dreaming of a small homestead farm in Woodstock, imagine having your horses, animals, and vegetable garden right in your backyard. Conveniences abound with just a few minutes' drive to all the amenities- Hannaford Market, Sunflower organic Market, and the quaint little shops, music scene and fine dining that the famous little town of Woodstock offers. Minutes away from the Woodstock Playhouse and Woodstock Film Festival. Short drive to HITS Equestrian Center. Uptown Kingston's Historic Stockade District, and the charming little town of Saugerties, known for its antique shops and dining. And just a leisurely walk down the road takes you to Overlook Mountain and the Thorn Preserve. 404 John Joy Rd is in place as your perfect full-time residence or weekend and vacation getaway, and your investment in the stunning Hudson Valley.

15. 2026-01-26
    price $729,000
16. 2025-12-19
    listed $799,000 Active
17. 2025-12-11
    historical $799,000
18. 2006-10-16
    soldstatus $439,000
19. 2006-09-18
    soldstatus $439,000 500-char remark

    Show marketing remark (500 chars)

    COUNTRY HOME SET ON 3+ PRIVATE ACRES MINUTES TO WOODSTOCK. OPEN LIVING/DINING ROOM, SKY LIGHT, LARGE PICTURE WINDOW OVERLOOKS PARK LIKE GROUNDS.SLIDER GOES OUT TO WONDERFUL SCREEN PORCH. BEAUTIFUL WOOD FLOORS.MASTER BEDROOM ON 1ST LEVEL, OPENS TO LOWER DECK. SEPARATE OFFICE WITH OWN ENTRANCE. FRENCH DOORS TO FAMILY ROOM. LARGE BARN, 48 X 15, FOR HORSES, WOULD MAKE A SUPER STUDIO. HAS ELECTRIC & WATER. BASKETBALL COURT. WORKSHOP OFF OF CARPORT. BEAUTIFUL INGROUND HEATED POOL. BRAND NEW LINER

20. 2005-08-26
    listed $439,000 500-char remark

    Show marketing remark (500 chars)

    COUNTRY HOME SET ON 3+ PRIVATE ACRES MINUTES TO WOODSTOCK. OPEN LIVING/DINING ROOM, SKY LIGHT, LARGE PICTURE WINDOW OVERLOOKS PARK LIKE GROUNDS.SLIDER GOES OUT TO WONDERFUL SCREEN PORCH. BEAUTIFUL WOOD FLOORS.MASTER BEDROOM ON 1ST LEVEL, OPENS TO LOWER DECK. SEPARATE OFFICE WITH OWN ENTRANCE. FRENCH DOORS TO FAMILY ROOM. LARGE BARN, 48 X 15, FOR HORSES, WOULD MAKE A SUPER STUDIO. HAS ELECTRIC & WATER. BASKETBALL COURT. WORKSHOP OFF OF CARPORT. BEAUTIFUL INGROUND HEATED POOL. BRAND NEW LINER

21. 2000-01-31
    soldstatus $220,000
22. 1985-08-28
    soldstatus $32,000

ⓘ 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: $15,990 · $1,333/mo
• Projected year-2 tax: $15,990 · $1,333/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 FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 3/10 Moderate 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $43,610
• − Mortgage interest: −$38,035
• − Property taxes: −$15,990
• − Insurance: −$3,395
• − Repairs & maintenance: −$3,489
• − Management: −$3,489
• − Depreciation: −$19,753
• Taxable loss: −$40,540
• Est. tax savings @ 24.0%: +$9,730
• After-tax cash flow: $-17,933/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: Saugerties Central School District
• NCES district ID: 3625800
• Math proficiency: 38% ▼ -16.00%
• Reading proficiency: 57% ▲ 8.00%
• Median HH income: $56,897
• Composite: 41.3/100
• National rank: #3515
• State rank: #419 of 590 in NY

Livability — Zena

• Score: 60/100
• State rank: #966
• US rank: #18918

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,530

Population outlook (Ulster County) Hauer SSP2

• Today (2025): 175,887 people
• By 2030: 171,876 · -2.3%
• By 2040: 161,771 · -8.0%
• By 2050: 151,470 · -13.9%
• By 2075: 133,023 · -24.4%
• By 2100: 113,504 · -35.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 6% Two or more races 5% Asian 3% Black 2%
• Common ancestry: Scotch-Irish 8% Italian 7% Romanian 5%
• Foreign-born: 12% · Canada, China, Jamaica
• Languages at home: 90% English-only · Spanish 3% French/Haitian/Cajun 2% German/W. Germanic 1%

Political lean MEDSL · Ulster

• 2024 margin: D (+18.7) · D 59.3% · R 40.7%
• 2008→2024 swing: -4.9pp toward R · 2008: 23.6pp · 2024: 18.7pp
• All cycles: 2024: D+18.7 2020: D+20.9 2016: D+9.1 2012: D+21.9 2008: D+23.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -96.28%
• Current HPI: 344.8651
• 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

+2021.9% since first listed

14 events — show timeline

• 2026-05-25 Relisted — HVCRMLS
• 2026-05-25 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-03-09 Price Changed $679,000 HVCRMLS
• 2026-03-09 Price Changed $679,000 OneKey® MLS as Distributed by MLS Grid
• 2026-02-12 Price Changed $729,000 HVCRMLS
• 2026-02-11 Listed $729,999 HVCRMLS
• 2026-01-26 Price Changed $729,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-19 Listed $799,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-11 Coming Soon $799,000 OneKey® MLS as Distributed by MLS Grid
• 2006-10-16 Sold (Public Records) $439,000 Public Records
• 2006-09-18 Sold (MLS) $439,000 HVCRMLS
• 2005-08-26 Listed $439,000 HVCRMLS
• 2000-01-31 Sold (Public Records) $220,000 Public Records
• 1985-08-28 Sold (Public Records) $32,000 Public Records

Property tax history

+2.8%/yr

Latest (2025): $15,990 · +0.4% YoY. Source: county tax records.