284 Bonnie Brook Rd · Roscoe, NY 13783

$250,000

5 bd · 2.0 ba · 1,700 sqft · SingleFamily · 249 Days on market

Built 1980 5.00 ac lot $147/sqft · 56% below area

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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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +5.6/30.0
• Schools +3.3/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.1/10.0
• DSCR +0.0/10.0

Listing remarks MLS

Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

Key facts

• 5 acre lot
• Built 1980
• Listed 249 days

What this means for you Summary

Snapshot

• This is a 5-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-518 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $175k (30.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $153k (38.7% below list).
• Recommended offer: $153k (38.7% below list) — sets the bar for 1% rule.
• Cap rate 3.8% vs local median 1.3% in Roscoe — 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 56/100 on livability (#1,100 in NY) — a working-class tenant base; expect higher turnover. Strengths: cost of living A, housing B; Watch: crime F, amenities F, commute F.
• Roscoe Central School District (rural): math 35% / reading 35% proficiency, ranked #689 of 755 in NY (top 91%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 57 active listings in the ZIP; 66 units permitted in Delaware County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (10.0% local appreciation)).
• Delaware County population projected at -27% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 2, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 249 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y ago; this cycle's ask has dropped $100k (29%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $153,138 (38.7% 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 249 days. Have you received any prior offers? Is the seller open to a 39% concession, seller financing, or rate buy-down credit?
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. 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: 0.61% ✗
• Cap rate: 3.81%
• Cash-on-cash: -8.88%
• DSCR: 0.60
• GRM: 13.6

CMA / ARV

• ARV (median comp): $566,212
• List price: $250,000
• Delta: -55.85%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.0%
• Equity multiple: 2.47×
• Total profit: $103,194
• Equity at exit: $225,220

10-year hold

• IRR: 16.9%
• Equity multiple: 5.71×
• Total profit: $329,875
• Equity at exit: $485,695

Cash invested: $70,000 (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 13783

• Home prices YoY: 2.9%
• Active inventory: 57
• Price-to-rent: 13.6×

Monthly cashflow live

• Estimated rent: $1,531 medium
• Mortgage (P&I): −$1,311
• Tax est. 1.5%: −$312 /mo · $3,750/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$322
• Net cashflow: $-518

Break-even live

Break-even rent $2,187

Max offer price $175,059

Occupancy floor —

Sensitivity live

Price	-10% $-345	-5% $-432	+0% $-518	+5% $-604	+10% $-691
Rent	-10% $-639	-5% $-578	+0% $-518	+5% $-457	+10% $-397
Rate	-1.0pp $-392	-0.5pp $-454	base $-518	+0.5pp $-583	+1.0pp $-649

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-21
   days on market $250,000 Active 249 DOM
2. 2026-06-21
   days on market $250,000 Active 248 DOM
3. 2026-06-18
   days on market $250,000 Active 246 DOM
4. 2026-06-17
   days on market $250,000 Active 245 DOM
5. 2026-06-16
   days on market $250,000 Active 244 DOM
6. 2026-06-15
   days on market $250,000 Active 243 DOM
7. 2026-06-13
   days on market $250,000 Active 241 DOM
8. 2026-06-12
   days on market $250,000 Active 240 DOM
9. 2026-06-09
   days on market $250,000 Active 237 DOM
10. 2026-06-08
    days on market $250,000 Active 236 DOM
11. 2026-06-07
    days on market $250,000 Active 235 DOM
12. 2026-06-07
    days on market $250,000 Active 234 DOM
13. 2026-06-04
    days on market $250,000 Active 231 DOM
14. 2026-06-02
    days on market $250,000 Active 230 DOM
15. 2026-06-01
    days on market $250,000 Active 229 DOM
16. 2026-05-31
    days on market $250,000 Active 228 DOM
17. 2026-04-24
    status Active 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

18. 2026-04-24
    historical 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

19. 2026-02-27
    price $250,000 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

20. 2025-12-29
    price $275,000 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

21. 2025-10-31
    price $300,000 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

22. 2025-10-16
    listed $350,000 Active 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

23. 2025-10-15
    historical $350,000 1119-char remark

    Show marketing remark (1119 chars)

    Welcome to 284 Bonnie Brook Rd, a rare lakeview opportunity in the scenic Catskills! This property is perfect for buyers seeking a project with great potential. With “good bones,” this home is ready for your vision and updates, making it an ideal canvas for your dream getaway or year-round residence. Enjoy peaceful lake views right from your windows, and take advantage of convenient driveway parking for you and your guests. While the home is not updated, the essentials are in place, including windows that is just 2 years old. The property is being sold as-is, offering you the flexibility to renovate and customize to your taste. Located just a short drive from the heart of Hancock, you’ll find local favorites like Circle E Diner, Hancock House Hotel, and Hancock Liquor Store nearby. Outdoor enthusiasts will love the proximity to the Delaware River for fishing, kayaking, and hiking adventures. Don’t miss your chance to own a lakeview property with endless possibilities in a beautiful Catskills setting. Schedule your tour today and start imagining the future at 284 Bonnie Brook Rd!

24. 2019-11-29
    historical
25. 2019-04-29
    listed $150,000
26. 2019-04-29
    listed $150,000
27. 2018-12-08
    historical
28. 2018-06-08
    listed $150,000
29. 2018-06-08
    listed $150,000

ⓘ 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 1/10 Low 7 d/yr ≥87°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% 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: $18,377
• − Mortgage interest: −$14,004
• − Property taxes: −$3,750
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,470
• − Management: −$1,470
• − Depreciation: −$7,273
• Taxable loss: −$10,840
• Est. tax savings @ 24.0%: +$2,602
• After-tax cash flow: $-3,613/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: Roscoe Central School District
• NCES district ID: 3625020
• Math proficiency: 35% ▬ 0.00%
• Reading proficiency: 35% ▬ 0.00%
• Median HH income: $50,743
• Composite: 33.05/100
• National rank: #10658
• State rank: #689 of 755 in NY

Livability — Roscoe

• Score: 56/100
• State rank: #1100
• US rank: #22431

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,200

Population outlook (Delaware County) Hauer SSP2

• Today (2025): 42,668 people
• By 2030: 40,337 · -5.5%
• By 2040: 35,514 · -16.8%
• By 2050: 31,265 · -26.7%
• By 2075: 24,455 · -42.7%
• By 2100: 19,529 · -54.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 4% Asian 3% Two or more races 2% Black 1%
• Common ancestry: Romanian 6% Serbian 3% Lithuanian 2%
• Foreign-born: 9% · Canada
• Languages at home: 97% English-only · Other Indo-European 2% Spanish 1% German/W. Germanic 1%

Political lean MEDSL · Delaware

• 2024 margin: R (+19.8) · D 40.1% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -5.2pp · 2024: -19.8pp
• All cycles: 2024: R+19.8 2020: R+18.4 2016: R+29.2 2012: R+9.6 2008: R+5.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 13.62%
• Current HPI: 484.0977
• 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

+66.7% since first listed

13 events — show timeline

• 2026-04-24 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-04-24 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-02-27 Price Changed $250,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-29 Price Changed $275,000 OneKey® MLS as Distributed by MLS Grid
• 2025-10-31 Price Changed $300,000 OneKey® MLS as Distributed by MLS Grid
• 2025-10-16 Listed $350,000 OneKey® MLS as Distributed by MLS Grid
• 2025-10-15 Coming Soon $350,000 OneKey® MLS as Distributed by MLS Grid
• 2019-11-29 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2019-04-29 Listed $150,000 OneKey® MLS as Distributed by MLS Grid
• 2019-04-29 Listed $150,000 UNYREIS
• 2018-12-08 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2018-06-08 Listed $150,000 OneKey® MLS as Distributed by MLS Grid
• 2018-06-08 Listed $150,000 UNYREIS