211 Lowndes Ave · Huntington Station, NY 11746

$430,600

4 bd · 1.0 ba · 1,300 sqft · SingleFamily · 52 Days on market

Built 1934 4,792 sqft lot $331/sqft · 34% below area Est $651k · 34% 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 +19.5/30.0
• ARV discount +15.0/15.0
• DSCR +6.2/10.0
• 1% rule +5.2/10.0
• Schools +4.6/10.0
• Livability +4.0/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Corner Lot.

Key facts

• Corner lot
• 4,792 sq ft lot
• Built 1934

Tags

• CORNER LOT

Property features AI

Exterior

• Parking: Driveway; No carport
• Utilities: Electricity connected (PSEG); Water connected; Cesspool sewer
• Home design: Single family residence
• Construction: Vinyl and wood siding construction
• Exterior features: Vinyl siding; Wood siding; Not waterfront

Interior

• Kitchen: Appliances: Other
• Bedrooms: Includes a bedroom on the first floor
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating; No central cooling
• Interior features: First-floor bedroom; 7 total rooms; Basement (see remarks); Attic (see remarks)

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $431k.

Deal economics

• At list price, monthly cash flow is $490 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $431k).
• Recommended offer: $418k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 4.1% in Huntington Station — 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 79/100 on livability (#126 in NY, #2,028 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, housing A+; Watch: amenities D, cost of living F.
• Huntington Union Free School District (suburban): math 45% / reading 52% proficiency, ranked #328 of 590 in NY (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Flower Hill School (math 62% / reading 62%, grade B, #675 of 2,108 statewide, top 35%, 273 students, 56% FRL); J Taylor Finley Middle School (math 25% / reading 44%, grade F, #483 of 729 statewide, top 68%, 623 students, 58% FRL); Huntington High School (math 91% / reading 92%, grade A+, #197 of 1,100 statewide, top 18%, 1,410 students, 56% FRL) — zoned schools average 57% FRL vs 34% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 63% at this address vs 48% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Huntington Union Free School District average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+4.5%/yr); 308 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 1d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 1,366 units permitted in Suffolk County in 2024 (216 in 5+ unit buildings).
• This rent runs 32% of the median local income ($165k/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 $3k of loan paydown is wiped out by about $13k of value loss. Plan a longer hold.
• Suffolk County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 52 days — a 3% lower offer ($418k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $100k; list at $431k implies a 331% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1934 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $417,682 (3.0% below list)

Questions for the listing agent

1. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1934 — 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. 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.
6. 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.
7. 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: 1.02% ✓
• Cap rate: 7.66%
• Cash-on-cash: 4.88%
• DSCR: 1.22
• GRM: 8.2

CMA / ARV

• ARV (median comp): $651,303
• List price: $430,600
• Delta: -33.89%
• 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
128 Winding St	0.14mi	3/1.0 (-1)	1,398 (+8%)	6mo	$635,000	$454	71
49 Tower St	0.20mi	4/1.5	1,200 (-8%)	7mo	$575,000	$479	70
57 E Pulaski	0.38mi	3/2.0 (-1)	1,400 (+8%)	4mo	$475,000	$339	58
7 Cheshire St	0.42mi	4/2.0	1,115 (-14%)	1mo	$412,000	$370	52
30 3rd Ave	0.47mi	3/2.0 (-1)	1,200 (-8%)	6mo	$575,000	$479	51
46 3rd Ave	0.60mi	3/1.5 (-1)	1,247 (-4%)	12mo	$588,000	$472	48
4 W 11th St	0.62mi	4/3.0	1,250 (-4%)	15mo	$599,000	$479	44
15 Stern Ct	0.60mi	3/2.0 (-1)	1,200 (-8%)	10mo	$545,000	$454	41
12 Monaton Dr	0.71mi	3/1.0 (-1)	1,200 (-8%)	12mo	$630,000	$525	39
19 David Ct	0.59mi	3/1.0 (-1)	1,200 (-8%)	22mo	$575,000	$479	36
81 Bayberry Dr	0.60mi	3/2.5 (-1)	1,402 (+8%)	16mo	$851,000	$607	34
276 Nassau Rd	0.63mi	3/2.0 (-1)	1,435 (+10%)	14mo	$870,000	$606	33

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 · 4.54% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.74×
• Total profit: $-31,575
• Equity at exit: $64,204

10-year hold

• IRR: 4.5%
• Equity multiple: 1.35×
• Total profit: $42,222
• Equity at exit: $37,230

Cash invested: $120,568 (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 11746

• Rents YoY: 4.5%
• Active inventory: 308
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $4,388 high
• Mortgage (P&I): −$2,258
• Tax from tax record: −$539 /mo · $6,463/yr
• Insurance: −$179
• HOA: −$0
• Vacancy / Maint / Mgmt: −$921
• Net cashflow: $490

Break-even live

Break-even rent $3,767

Max offer price $430,600

Occupancy floor 84%

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: $107,650
• Closing costs: $12,918
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
156 E Pulaski Rd Huntington Station, NY	2.0–3.0	1.0	936	$2,955	$3.16	1d	11	0.65mi
1700 E 5th St Huntington Station, NY	1.0–3.0	1.0–2.0	1277	$5,037	$3.94	1d	1	0.79mi
10 Vilno Ct Unit 2 Huntington Station, NY	3.0	1.0	1000	$3,500	$3.50	1d	1	0.86mi
1 E Carver St Huntington, NY	3.0	1.0	1060	$3,875	$3.66	15d	1	1.28mi
245 Main St Unit 1 Huntington, NY	3.0	2.0	1600	$5,995	$3.75	1d	1	1.41mi

Listing history 18 events

1. 2026-06-18
   days on market $430,600 Active 52 DOM
2. 2026-06-17
   price $430,600 Active 51 DOM
3. 2026-06-17
   days on market $468,000 Active 51 DOM
4. 2026-06-16
   days on market $468,000 Active 50 DOM
5. 2026-06-15
   days on market $468,000 Active 49 DOM
6. 2026-06-13
   days on market $468,000 Active 47 DOM
7. 2026-06-13
   days on market $468,000 Active 46 DOM
8. 2026-06-09
   days on market $468,000 Active 43 DOM
9. 2026-06-08
   days on market $468,000 Active 42 DOM
10. 2026-06-07
    days on market $468,000 Active 41 DOM
11. 2026-06-04
    days on market $468,000 Active 38 DOM
12. 2026-06-03
    days on market $468,000 Active 37 DOM
13. 2026-06-02
    days on market $468,000 Active 36 DOM
14. 2026-06-01
    days on market $468,000 Active 35 DOM
15. 2026-05-31
    days on market $468,000 Active 34 DOM
16. 2026-04-27
    listed $468,000 Active 11-char remark
17. 1990-12-19
    soldstatus $100,000
18. 1985-01-03
    soldstatus $45,000

ⓘ 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: $6,463 · $539/mo
• Projected year-2 tax: $6,870 · $573/mo
• Expected delta: +$407/yr (+$34/mo · 6.3%)

ⓘ 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 5/10 Major 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $52,656
• − Mortgage interest: −$24,120
• − Property taxes: −$6,463
• − Insurance: −$2,153
• − Repairs & maintenance: −$4,212
• − Management: −$4,212
• − Depreciation: −$12,527
• Taxable loss: −$1,032
• Est. tax savings @ 24.0%: +$248
• After-tax cash flow: $6,132/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: Huntington Union Free School District
• NCES district ID: 3615090
• Math proficiency: 45% ▼ -8.00%
• Reading proficiency: 52% ▼ -1.00%
• Median HH income: $93,547
• Composite: 45.68/100
• National rank: #2578
• State rank: #328 of 590 in NY

Livability — Huntington Station

• Score: 79/100
• State rank: #126
• US rank: #2028

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntington Station, NY
• County: Suffolk County · 679,920 people
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 65,747
• Household income: $164,589
• Rent vs Own: 14.2% rent · 85.8% own
• Severe rent burden: 627.0

Population outlook (Suffolk County) Hauer SSP2

• Today (2025): 1,505,262 people
• By 2030: 1,498,318 · -0.5%
• By 2040: 1,471,101 · -2.3%
• By 2050: 1,424,848 · -5.3%
• By 2075: 1,337,157 · -11.2%
• By 2100: 1,217,720 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 61% Hispanic / Latino 19% Two or more races 10% Asian 8% Black 7% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Romanian 5% Scotch-Irish 3% Italian 1%
• Foreign-born: 20% · Canada, China, Jamaica
• Languages at home: 70% English-only · Spanish 15% Other Indo-European 6% Chinese 2%

Political lean MEDSL · Suffolk

• 2024 margin: Lean R (+10.0) · D 45.0% · R 55.0%
• 2008→2024 swing: -16.0pp toward R · 2008: 6.0pp · 2024: -10.0pp
• All cycles: 2024: R+10.0 2020: R+0.0 2016: R+8.2 2012: D+2.9 2008: D+6.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -715.60%
• Current HPI: 317.5657
• Rent YoY: ▲ 4.54%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• 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

+856.9% since first listed

4 events — show timeline

• 2026-06-17 Price Changed $430,600 OneKey® MLS as Distributed by MLS Grid
• 2026-04-27 Listed $468,000 OneKey® MLS as Distributed by MLS Grid
• 1990-12-19 Sold (Public Records) $100,000 Public Records
• 1985-01-03 Sold (Public Records) $45,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $6,463 · +0.0% YoY. Source: county tax records.