19 Wheldon St · Scottsville, NY 14546

$199,900

3 bd · 1.5 ba · 1,480 sqft · SingleFamily public records · 5 Days on market

Built 1953 0.28 ac lot Est $244k · 18% 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 +19.3/30.0
• ARV discount +15.0/15.0
• DSCR +6.1/10.0
• 1% rule +5.9/10.0
• Schools +4.5/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located on a quiet neighborhood street in the charming Village of Scottsville, this home is conveniently close to shopping, restaurants, and parks, while maintaining an essence of peace and tranquility. Inside you will find 4 comfortably sized bedrooms with ample closet space for maximum storage. The full bathroom was completely renovated in 2023 with all new fixtures and fresh paint! The living room features a custom-built wall ready for a flat screen TV – perfect for watching the game or relaxing with your family! The large, updated eat-in kitchen offers plenty of counter space and abundant cabinetry. The kitchen flows seamlessly into a bonus room, perfect to use as an extra living space, playroom, game room, or home office. The possibilities are endless! A sliding glass door leads from the bonus room to an inviting deck and a fully fenced in yard. Recent updates include central A/C and furnace (brand new ~4 years ago and serviced annually) and a newer roof (~6 years old). Come see for yourself how you can make this home yours! (This is an Estate sale and is being sold as-is. Offers due at 12pm on Wednesday February 21st).

Key facts

• Quiet cul-de-sac
• Good-sized yard
• Large kitchen

Tags

• LARGE KITCHEN
• GOOD-SIZED YARD
• MECHANICS ALREADY IN PLACE
• QUIET CUL-DE-SAC

Property features AI

Exterior

• Parking: No garage; Driveway parking
• Utilities: Public water (not connected); Sewer available
• Home design: Single-story property; Existing construction; Shake siding
• Construction: Poured and slab foundation
• Exterior features: Deck; Blacktop driveway; Gravel driveway; Rectangular lot (73 x 134)

Interior

• Kitchen: Electric oven; Electric range; Dishwasher; Microwave; Refrigerator; Disposal
• Bedrooms: 4 bedrooms on the main level
• Flooring: Hardwood; Laminate; Vinyl; Varies
• Bathrooms: 1 full bathroom; 1 half bathroom; 2 main-level bathrooms
• Heating & cooling: Gas forced-air heating; Central air conditioning
• Interior features: Eat-in kitchen; Solid surface counters; Bedroom on main level
• Laundry & utility: Washer; Dryer; Main-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $219 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Cap rate 7.6% vs local median 3.8% in Scottsville — 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 71/100 on livability (#409 in NY) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A-, cost of living B+; Watch: schools C-, amenities F, commute F.
• Wheatland-Chili Central School District (suburban): math 46% / reading 57% proficiency, ranked #341 of 590 in NY (top 58%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 20 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 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 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 12y 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.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $199,900

Questions for the listing agent

1. Built in 1953 — 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. 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: 1.09% ✓
• Cap rate: 7.61%
• Cash-on-cash: 4.69%
• DSCR: 1.21
• GRM: 7.7

CMA / ARV

• ARV (on-the-fly): $244,200
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10 Church St	0.51mi	3/1.5	1,592 (+8%)	2mo	$200,000	$126	62
24 Wyvil Ave	0.51mi	3/1.5	1,560 (+5%)	8mo	$190,000	$122	60
12 Maple Ave	0.40mi	4/1.0 (+1)	1,496 (+1%)	16mo	$165,000	$110	59
62 Diana Dr	0.53mi	3/2.5	1,395 (-6%)	5mo	$275,000	$197	57
37 Rochester St	0.23mi	4/1.5 (+1)	1,639 (+11%)	12mo	$260,000	$159	56
228 Briarwood Ln	0.63mi	3/1.5	1,320 (-11%)	1mo	$320,000	$242	51
58 W Cavalier Rd	0.35mi	4/1.5 (+1)	1,296 (-12%)	9mo	$200,000	$154	51
14 Cedar St	0.48mi	4/1.5 (+1)	1,400 (-5%)	19mo	$252,500	$180	48
10 Browns Ave	0.39mi	4/2.0 (+1)	1,584 (+7%)	20mo	$275,000	$174	47
21 Rochester St	0.33mi	4/2.0 (+1)	1,698 (+15%)	9mo	$280,000	$165	45
124 Heather Ln	0.68mi	3/2.0	1,600 (+8%)	13mo	$240,000	$150	42
235 Briarwood Ln	0.62mi	3/2.5	1,320 (-11%)	10mo	$275,000	$208	41

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: -8.9%
• Equity multiple: 0.67×
• Total profit: $-18,341
• Equity at exit: $29,806

10-year hold

• IRR: 0.6%
• Equity multiple: 1.04×
• Total profit: $2,417
• Equity at exit: $17,284

Cash invested: $55,972 (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 14546

• Home prices YoY: -10.0%
• Active inventory: 20
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $2,177 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$370 /mo · $4,434/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$457
• Net cashflow: $219

Break-even live

Break-even rent $1,900

Max offer price $199,900

Occupancy floor 85%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
300 Robert Quigley Dr Scottsville, NY	1.0–3.0	1.0–1.5	1075	$2,275	$2.12	3d	10	0.09mi

Listing history 9 events

1. 2026-05-31
   days on market $199,900 Active 5 DOM
2. 2026-05-26
   listed $199,900 Active
3. 2024-05-02
   soldstatus $202,000
4. 2024-05-01
   soldstatus $202,000 Closed 1149-char remark

   Show marketing remark (1149 chars)

   Located on a quiet neighborhood street in the charming Village of Scottsville, this home is conveniently close to shopping, restaurants, and parks, while maintaining an essence of peace and tranquility. Inside you will find 4 comfortably sized bedrooms with ample closet space for maximum storage. The full bathroom was completely renovated in 2023 with all new fixtures and fresh paint! The living room features a custom-built wall ready for a flat screen TV – perfect for watching the game or relaxing with your family! The large, updated eat-in kitchen offers plenty of counter space and abundant cabinetry. The kitchen flows seamlessly into a bonus room, perfect to use as an extra living space, playroom, game room, or home office. The possibilities are endless! A sliding glass door leads from the bonus room to an inviting deck and a fully fenced in yard. Recent updates include central A/C and furnace (brand new ~4 years ago and serviced annually) and a newer roof (~6 years old). Come see for yourself how you can make this home yours! (This is an Estate sale and is being sold as-is. Offers due at 12pm on Wednesday February 21st).

5. 2024-02-22
   status Pending 1149-char remark

   Show marketing remark (1149 chars)

   Located on a quiet neighborhood street in the charming Village of Scottsville, this home is conveniently close to shopping, restaurants, and parks, while maintaining an essence of peace and tranquility. Inside you will find 4 comfortably sized bedrooms with ample closet space for maximum storage. The full bathroom was completely renovated in 2023 with all new fixtures and fresh paint! The living room features a custom-built wall ready for a flat screen TV – perfect for watching the game or relaxing with your family! The large, updated eat-in kitchen offers plenty of counter space and abundant cabinetry. The kitchen flows seamlessly into a bonus room, perfect to use as an extra living space, playroom, game room, or home office. The possibilities are endless! A sliding glass door leads from the bonus room to an inviting deck and a fully fenced in yard. Recent updates include central A/C and furnace (brand new ~4 years ago and serviced annually) and a newer roof (~6 years old). Come see for yourself how you can make this home yours! (This is an Estate sale and is being sold as-is. Offers due at 12pm on Wednesday February 21st).

6. 2024-02-15
   listed $215,000 Active 1149-char remark

   Show marketing remark (1149 chars)

   Located on a quiet neighborhood street in the charming Village of Scottsville, this home is conveniently close to shopping, restaurants, and parks, while maintaining an essence of peace and tranquility. Inside you will find 4 comfortably sized bedrooms with ample closet space for maximum storage. The full bathroom was completely renovated in 2023 with all new fixtures and fresh paint! The living room features a custom-built wall ready for a flat screen TV – perfect for watching the game or relaxing with your family! The large, updated eat-in kitchen offers plenty of counter space and abundant cabinetry. The kitchen flows seamlessly into a bonus room, perfect to use as an extra living space, playroom, game room, or home office. The possibilities are endless! A sliding glass door leads from the bonus room to an inviting deck and a fully fenced in yard. Recent updates include central A/C and furnace (brand new ~4 years ago and serviced annually) and a newer roof (~6 years old). Come see for yourself how you can make this home yours! (This is an Estate sale and is being sold as-is. Offers due at 12pm on Wednesday February 21st).

7. 2014-12-23
   soldstatus $61,000 104-char remark

   Show marketing remark (104 chars)

   Spacious 4 bedroom ranch with formal dining room, family room, fireplace, deck, and 1st floor laundry, .

8. 2014-07-17
   listed $68,400 104-char remark

   Show marketing remark (104 chars)

   Spacious 4 bedroom ranch with formal dining room, family room, fireplace, deck, and 1st floor laundry, .

9. 1999-02-08
   soldstatus $69,000

ⓘ 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: $4,434 · $370/mo
• Projected year-2 tax: $4,434 · $370/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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥95°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: $26,127
• − Mortgage interest: −$11,198
• − Property taxes: −$4,434
• − Insurance: −$1,000
• − Repairs & maintenance: −$2,090
• − Management: −$2,090
• − Depreciation: −$5,815
• Taxable loss: −$500
• Est. tax savings @ 24.0%: +$120
• After-tax cash flow: $2,747/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: Wheatland-Chili Central School District
• NCES district ID: 3631170
• Math proficiency: 46% ▲ 8.00%
• Reading proficiency: 57% ▲ 15.00%
• Median HH income: $57,303
• Composite: 44.69/100
• National rank: #2758
• State rank: #341 of 590 in NY

Livability — Scottsville

• Score: 71/100
• State rank: #409
• US rank: #7059

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scottsville, NY
• County: Monroe County · 674,131 people
• City population: 4,450
• Metro: Rochester, NY
• Population (ZIP): 4,450
• Household income: $95,046
• Rent vs Own: 34.4% rent · 65.6% own
• Severe rent burden: 55.0

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 (92%)
• Race & ethnicity: White 92% Two or more races 4% Black 3% Hispanic / Latino 2%
• Common ancestry: Romanian 5% Lithuanian 5% Iranian 4%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · French/Haitian/Cajun 1% Spanish 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: ▼ -28.95%
• Current HPI: 260.4192
• Rent YoY: —
• 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

+189.7% since first listed

8 events — show timeline

• 2026-05-26 Listed $199,900 UNYREIS
• 2024-05-02 Sold (Public Records) $202,000 Public Records
• 2024-05-01 Sold (MLS) $202,000 UNYREIS
• 2024-02-22 Pending — UNYREIS
• 2024-02-15 Listed $215,000 UNYREIS
• 2014-12-23 Sold (MLS) $61,000 UNYREIS
• 2014-07-17 Listed $68,400 UNYREIS
• 1999-02-08 Sold (Public Records) $69,000 Public Records

Property tax history

+1.4%/yr

Latest (2025): $4,434 · +14.3% YoY. Source: county tax records.