1208 Churchill Ave · Utica, NY 13502

$149,900

3 bd · 1.0 ba · 1,560 sqft · SingleFamily public records · 162 Days on market

Built 1920 4,480 sqft lot $96/sqft · 19% below area Est $186k · 19% under

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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 +27.8/30.0
• ARV discount +15.0/15.0
• DSCR +9.8/10.0
• 1% rule +7.6/10.0
• Livability +4.0/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Versatile opportunity in a well-established neighborhood near Utica University, appealing to both owner-occupants and investors. This 3-bedroom, 2-full-bath bungalow offers 1,560 sq ft of flexible living space, with two bedrooms and a full bath on the first floor and an additional bedroom and full bath on the second level—ideal for family living, student housing, or long-term rental use. Situated on a manageable 40x112 lot with a fully fenced yard, detached one-car garage, and blacktop driveway. Covered and open porches add everyday comfort and tenant appeal. Public water and sewer, gas heat, and high-speed internet are available. Conveniently located close to Utica University, schools, shopping, dining, public transportation, and major routes. Tenant occupied; 24-hour notice required for all showings. No interior photos due to tenant privacy. A solid option whether you’re looking to invest or make this property your own.

Key facts

• Blacktop driveway
• Fully fenced yard
• 4,480 sq ft lot

Tags

• FLEXIBLE LIVING SPACE
• FULLY FENCED YARD
• DETACHED ONE-CAR GARAGE
• BLACKTOP DRIVEWAY
• COVERED AND OPEN PORCHES
• PUBLIC WATER AND SEWER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $456 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $132k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.9% vs local median 7.7% in Utica — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 80/100 on livability (#104 in NY, #1,589 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D, schools D-, crime F.
• Utica City School District (urban): math 33% / reading 38% proficiency, ranked #562 of 590 in NY (top 95%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 150 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 204 units permitted in Oneida County in 2024 (68 in 5+ unit buildings).
• This rent runs 39% of the median local income ($58k/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 $1k of loan paydown is wiped out by about $4k 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 $42k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 162 days — a 12% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $16k; list at $150k implies a 808% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $131,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 162 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1920 — 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 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?
6. 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?
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: 1.26% ✓
• Cap rate: 9.95%
• Cash-on-cash: 13.05%
• DSCR: 1.58
• GRM: 6.6

CMA / ARV

• ARV (median comp): $185,832
• List price: $149,900
• Delta: -19.34%
• 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
1407 Downer Ave	0.19mi	4/1.5 (+1)	1,599 (+2%)	7mo	$150,000	$94	74
2219 Highland Ave	0.51mi	3/1.0	1,600 (+3%)	2mo	$130,000	$81	70
2218 Maynard Ave	0.44mi	2/1.0 (-1)	1,512 (-3%)	5mo	$140,000	$93	65
1114 Stark St	0.70mi	3/2.0	1,567 (+0%)	2mo	$148,400	$95	61
1317 Maple St	0.35mi	3/1.5	1,728 (+11%)	4mo	$186,500	$108	60
1005 Ney Ave	0.32mi	3/1.0	1,326 (-15%)	1mo	$125,000	$94	59
1403 Fincke Ave	0.55mi	3/1.0	1,470 (-6%)	10mo	$169,900	$116	57
1422 Watkins Ave	0.46mi	4/2.0 (+1)	1,440 (-8%)	2mo	$175,200	$122	55
1103 Oak St	0.54mi	3/1.0	1,372 (-12%)	9mo	$63,000	$46	47
1672 Wesley Ave	0.73mi	3/1.0	1,328 (-15%)	3mo	$173,900	$131	38
919 Lenox Ave	0.65mi	4/2.0 (+1)	1,376 (-12%)	8mo	$80,000	$58	35
832 Waverly Pl	0.74mi	4/1.0 (+1)	1,352 (-13%)	5mo	$85,000	$63	34

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: 3.0%
• Equity multiple: 1.11×
• Total profit: $4,810
• Equity at exit: $22,351

10-year hold

• IRR: 12.5%
• Equity multiple: 1.99×
• Total profit: $41,746
• Equity at exit: $12,961

Cash invested: $41,972 (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 13502

• Home prices YoY: -12.1%
• Active inventory: 150
• Price-to-rent: 6.6×

Monthly cashflow live

• Estimated rent: $1,895 medium
• Mortgage (P&I): −$786
• Tax from tax record: −$192 /mo · $2,305/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$398
• Net cashflow: $456

Break-even live

Break-even rent $1,317

Max offer price $149,900

Occupancy floor 71%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1224 Whitesboro St Unit 1 Utica, NY	3.0	1.0	1100	$1,125	$1.02	43d	1	0.57mi
1503 Fox Pl Utica, NY	3.0	1.0	1119	$2,000	$1.79	43d	1	0.79mi
1804 Storrs Ave Utica, NY	3.0	1.5	1633	$3,000	$1.84	43d	1	1.37mi
239 Genesee St Utica, NY	1.0–2.0	1.0–2.0	1200	$2,700	$2.25	43d	15	1.47mi

Listing history 22 events

1. 2026-06-19
   days on market $149,900 Active 162 DOM
2. 2026-06-18
   days on market $149,900 Active 161 DOM
3. 2026-06-17
   days on market $149,900 Active 160 DOM
4. 2026-06-16
   days on market $149,900 Active 159 DOM
5. 2026-06-15
   days on market $149,900 Active 158 DOM
6. 2026-06-14
   days on market $149,900 Active 156 DOM
7. 2026-06-13
   days on market $149,900 Active 155 DOM
8. 2026-06-10
   days on market $149,900 Active 153 DOM
9. 2026-06-09
   days on market $149,900 Active 152 DOM
10. 2026-06-08
    days on market $149,900 Active 151 DOM
11. 2026-06-07
    days on market $149,900 Active 150 DOM
12. 2026-06-03
    pricedays on market $149,900 Active 146 DOM
13. 2026-06-02
    days on market $159,000 Active 145 DOM
14. 2026-06-01
    days on market $159,000 Active 144 DOM
15. 2026-05-31
    days on market $159,000 Active 143 DOM
16. 2026-05-30
    days on market $159,000 Active 142 DOM
17. 2026-03-23
    price $159,000 947-char remark

    Show marketing remark (947 chars)

    Versatile opportunity in a well-established neighborhood near Utica University, appealing to both owner-occupants and investors. This 3-bedroom, 2-full-bath bungalow offers 1,560 sq ft of flexible living space, with two bedrooms and a full bath on the first floor and an additional bedroom and full bath on the second level—ideal for family living, student housing, or long-term rental use. Situated on a manageable 40x112 lot with a fully fenced yard, detached one-car garage, and blacktop driveway. Covered and open porches add everyday comfort and tenant appeal. Public water and sewer, gas heat, and high-speed internet are available. Conveniently located close to Utica University, schools, shopping, dining, public transportation, and major routes. Tenant occupied; 24-hour notice required for all showings. No interior photos due to tenant privacy. A solid option whether you’re looking to invest or make this property your own.

18. 2026-03-23
    price $165,000 947-char remark

    Show marketing remark (947 chars)

    Versatile opportunity in a well-established neighborhood near Utica University, appealing to both owner-occupants and investors. This 3-bedroom, 2-full-bath bungalow offers 1,560 sq ft of flexible living space, with two bedrooms and a full bath on the first floor and an additional bedroom and full bath on the second level—ideal for family living, student housing, or long-term rental use. Situated on a manageable 40x112 lot with a fully fenced yard, detached one-car garage, and blacktop driveway. Covered and open porches add everyday comfort and tenant appeal. Public water and sewer, gas heat, and high-speed internet are available. Conveniently located close to Utica University, schools, shopping, dining, public transportation, and major routes. Tenant occupied; 24-hour notice required for all showings. No interior photos due to tenant privacy. A solid option whether you’re looking to invest or make this property your own.

19. 2026-03-23
    price $159,000 947-char remark

    Show marketing remark (947 chars)

    Versatile opportunity in a well-established neighborhood near Utica University, appealing to both owner-occupants and investors. This 3-bedroom, 2-full-bath bungalow offers 1,560 sq ft of flexible living space, with two bedrooms and a full bath on the first floor and an additional bedroom and full bath on the second level—ideal for family living, student housing, or long-term rental use. Situated on a manageable 40x112 lot with a fully fenced yard, detached one-car garage, and blacktop driveway. Covered and open porches add everyday comfort and tenant appeal. Public water and sewer, gas heat, and high-speed internet are available. Conveniently located close to Utica University, schools, shopping, dining, public transportation, and major routes. Tenant occupied; 24-hour notice required for all showings. No interior photos due to tenant privacy. A solid option whether you’re looking to invest or make this property your own.

20. 2026-01-08
    listed $165,000 Active 947-char remark

    Show marketing remark (947 chars)

    Versatile opportunity in a well-established neighborhood near Utica University, appealing to both owner-occupants and investors. This 3-bedroom, 2-full-bath bungalow offers 1,560 sq ft of flexible living space, with two bedrooms and a full bath on the first floor and an additional bedroom and full bath on the second level—ideal for family living, student housing, or long-term rental use. Situated on a manageable 40x112 lot with a fully fenced yard, detached one-car garage, and blacktop driveway. Covered and open porches add everyday comfort and tenant appeal. Public water and sewer, gas heat, and high-speed internet are available. Conveniently located close to Utica University, schools, shopping, dining, public transportation, and major routes. Tenant occupied; 24-hour notice required for all showings. No interior photos due to tenant privacy. A solid option whether you’re looking to invest or make this property your own.

21. 2014-07-03
    soldstatus $16,500
22. 1996-03-28
    soldstatus $40,000

ⓘ 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: $2,305 · $192/mo
• Projected year-2 tax: $2,419 · $202/mo
• Expected delta: +$114/yr (+$10/mo · 4.9%)

ⓘ 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 3/10 Moderate 7 d/yr ≥95°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 100% 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: $22,740
• − Mortgage interest: −$8,397
• − Property taxes: −$2,305
• − Insurance: −$750
• − Repairs & maintenance: −$1,819
• − Management: −$1,819
• − Depreciation: −$4,361
• Taxable income: $3,289
• Est. tax owed @ 24.0%: −$789
• After-tax cash flow: $4,687/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: Utica City School District
• NCES district ID: 3629370
• Math proficiency: 33% ▼ -7.00%
• Reading proficiency: 38% ▲ 2.00%
• Median HH income: $31,834
• Composite: 29.01/100
• National rank: #6613
• State rank: #562 of 590 in NY

Livability — Utica

• Score: 80/100
• State rank: #104
• US rank: #1589

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Utica, NY
• County: Oneida County · 89,710 people
• City population: 72,968
• Metro: Utica-Rome, NY
• Population (ZIP): 34,037
• Household income: $57,835
• Rent vs Own: 40.8% rent · 59.2% own
• Severe rent burden: 1604.0

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 (71%)
• Race & ethnicity: White 71% Hispanic / Latino 11% Black 9% Two or more races 7% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Dominican 2%
• Common ancestry: Romanian 11% Lithuanian 3% American 2%
• Foreign-born: 12% · Canada, Philippines, China
• Languages at home: 81% English-only · Spanish 7% Russian/Polish/Slavic 4% Other Asian/Pacific 3%

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: ▼ -50.76%
• Current HPI: 368.3955
• Rent YoY: —
• Metro: Utica-Rome, 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

+297.5% since first listed

6 events — show timeline

• 2026-03-23 Price Changed $159,000 CNYIS
• 2026-03-23 Price Changed $165,000 CNYIS
• 2026-03-23 Price Changed $159,000 CNYIS
• 2026-01-08 Listed $165,000 CNYIS
• 2014-07-03 Sold (Public Records) $16,500 Public Records
• 1996-03-28 Sold (Public Records) $40,000 Public Records

Property tax history

+4.0%/yr

Latest (2025): $2,305 · -15.7% YoY. Source: county tax records.