1 Vincent Rd Unit 1G · Yonkers, NY 10708

$169,999

1 bd · 1.0 ba · 750 sqft · Townhouse · 212 Days on market

Built 1955 Fair condition $227/sqft · 18% below area Est $207k · 18% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• Schools +4.1/10.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• Condition / age +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to a beautifully updated 1 bed, 1 bath unit in the well maintained Vincent Arms complex. This unit features a dining area and spacious living room with breakfast bar. The modern kitchen offers granite countertops, stainless steel appliances, and recessed lighting. The bedroom includes two closets, one a walk-in, plus remote-controlled blinds for convenience and an adjacent updated bathroom is finished with elegant travertine marble. Building amenities include a common laundry room on the ground level and a live in superintendent. Enjoy the park right across the building entrance providing a perfect outdoor retreat with sitting area, playground, and basketball court. Ideally situated near Fleetwood & Bronxville Metro North stations, Bee-Line bus stops, Bronx River and Cross County Pkwys, Cross County Mall, and Bronxville Village. A comfortable and stylish home in a desirable location!

Key facts

• Dining area
• Modern kitchen
• Granite countertops

Tags

• UPDATED UNIT
• DINING AREA
• SPACIOUS LIVING ROOM
• BREAKFAST BAR
• MODERN KITCHEN
• GRANITE COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath townhouse listed at $170k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $701 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $150k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.7% vs local median 5.2% in Yonkers — 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 68/100 on livability (#528 in NY) — a middle-class / working-renter tenant base. Strengths: employment A, commute B; Watch: amenities F, cost of living F.
• Yonkers City School District (suburban): math 41% / reading 54% proficiency, ranked #413 of 590 in NY (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+4.3%/yr); 321 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 954 units permitted in Westchester County in 2024 (649 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 $5k of value loss. Plan a longer hold.
• Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 4.3% rent growth), your $48k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 212 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y ago; this cycle's ask has dropped $30k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; major wind risk, 27% 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 $149,599 (12.0% below list)

Questions for the listing agent

1. It's been on market 212 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.45% ✓
• Cap rate: 11.71%
• Cash-on-cash: 19.35%
• DSCR: 1.86
• GRM: 5.8

CMA / ARV

• ARV (median comp): $207,190
• List price: $169,999
• Delta: -17.95%
• 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
2 Louisiana Ave Unit 4H	0.08mi	1/1.0	750 (0%)	1mo	$147,000	$196	95
1304 Midland Ave Unit C20	0.48mi	1/1.0	755 (+1%)	1mo	$169,999	$225	76
6 Midland Gdns Unit 4B	0.48mi	1/1.0	772 (+3%)	1mo	$375,000	$486	72
1133 Midland Ave Unit 3D	0.53mi	1/1.0	736 (-2%)	1mo	$405,000	$550	71
5 Midland Gdns Unit 3M	0.50mi	1/1.0	725 (-3%)	1mo	$320,000	$441	71
796 Bronx River Rd Unit B38	0.40mi	1/1.0	700 (-7%)	0mo	$155,000	$221	70
20 William St Unit 1A	0.65mi	1/1.0	781 (+4%)	0mo	$169,000	$216	62
1 Brooklands Unit GB	0.61mi	1/1.0	700 (-7%)	0mo	$315,000	$450	60
625 Gramatan Ave Unit 5O	0.41mi	1/1.0	850 (+13%)	0mo	$199,000	$234	58
760 Bronx River Rd Unit A-65	0.44mi	2/1.0 (+1)	825 (+10%)	1mo	$205,000	$248	57
600 Locust St Unit 5F	0.52mi	1/1.0	850 (+13%)	0mo	$178,000	$209	53
755 Bronx River Rd Unit 6C	0.50mi	2/1.0 (+1)	850 (+13%)	1mo	$220,000	$259	48

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 · 4.27% rent growth · sell at horizon

5-year hold

• IRR: 10.6%
• Equity multiple: 1.43×
• Total profit: $20,361
• Equity at exit: $25,347

10-year hold

• IRR: 20.8%
• Equity multiple: 2.87×
• Total profit: $88,937
• Equity at exit: $14,698

Cash invested: $47,600 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 5 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City Yonkers: 5 Strongly Tenant-Friendly · D+20

Westchester rent guidelines board.

Methodology + full state rankings →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 63 active · 88 under contract
• Months of supply: 5.6 mo (18%/mo absorbed)
• Median asking: $199,000 ($256/sqft)
• Median days on market: 86 d
• This list price: 21% of active listings are priced below it
• ARV vs active asking: +7.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 10708

• Rents YoY: 4.3%
• Active inventory: 321
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $2,459 high
• Mortgage (P&I): −$891
• Tax est. 1.5%: −$212 /mo · $2,550/yr
• Insurance: −$71
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$516
• Net cashflow: $701

Break-even live

Break-even rent $1,571

Max offer price $169,999

Occupancy floor 66%

Sensitivity live

Price	-10% $819	-5% $760	+0% $701	+5% $642	+10% $584
Rent	-10% $507	-5% $604	+0% $701	+5% $798	+10% $895
Rate	-1.0pp $787	-0.5pp $744	base $701	+0.5pp $657	+1.0pp $612

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: $42,500
• Closing costs: $5,100
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1 Vincent Rd Unit 4B Yonkers, NY	2.0	1.0	950	$2,400	$2.53	62d	1	0.04mi
1440 Midland Ave Unit 1F Yonkers, NY	1.0	1.0	700	$2,100	$3.00	78d	1	0.11mi
808 Bronx River Rd Unit 7E Bronxville, NY	1.0	1.0	750	$1,699	$2.27	29d	1	0.31mi
80 W Grand St Unit B1 Mt Vernon, NY	1.0	1.0	650	$1,970	$3.03	81d	1	0.35mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	120d	1	0.35mi
680 N Terrace Ave Mount Vernon, NY	1.0	1.0	550	$2,125	$3.86	20d	1	0.38mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$3,301	$3.46	0d	20	0.39mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$3,956	$3.90	119d	15	0.39mi
770 Bronx River Rd Apt A42 Yonkers, NY	2.0	1.0	775	$2,500	$3.23	84d	1	0.43mi
770 Bronx River Rd Unit A53 Yonkers, NY	2.0	1.0	850	$1,200	$1.41	34d	1	0.43mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	120d	1	0.43mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	120d	1	0.43mi
514 Gramatan Ave Mount Vernon, NY	1.0	1.0	650	$1,775	$2.73	45d	1	0.48mi
4 Midland Gdns Unit 1H Bronxville, NY	1.0	1.0	902	$1,790	$1.98	0d	1	0.51mi
33 E Grand St Mount Vernon, NY	1.0	1.0	725	$2,100	$2.90	5d	1	0.54mi
51 Parkway Rd Apt 3 Bronxville, NY	1.0	1.0	1100	$2,900	$2.64	88d	1	0.56mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	848	$2,195	$2.59	18d	2	0.57mi
525 N Macquesten Pkwy Mount Vernon, NY	1.0	1.0	750	$3,195	$4.26	51d	1	0.61mi
91 Parkway Rd Unit 1G Bronxville, NY	2.0	1.0	1100	$4,295	$3.90	59d	1	0.65mi
671 Bronx River Rd Apt 6C Yonkers, NY	2.0	1.5	993	$2,895	$2.92	43d	1	0.65mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	120d	1	0.65mi
28 Tunis Ave Unit 2 Yonkers, NY	2.0	1.0	900	$3,000	$3.33	139d	1	0.67mi
125 Parkway Rd Bronxville, NY	1.0–3.0	1.0–2.0	1372	$4,108	$2.99	0d	9	0.70mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,150	$2.69	83d	1	0.70mi
85 Halley St Unit 3 Yonkers, NY	2.0	1.0	1000	$3,000	$3.00	26d	1	0.73mi
28 Primrose Ave Apt 3 Mt Vernon, NY	2.0	1.0	800	$2,800	$3.50	21d	1	0.75mi
407 N MacQuesten Pkwy Unit 2 Mt Vernon, NY	2.0	1.0	938	$3,000	$3.20	36d	1	0.79mi
793 Palmer Rd Apt 2F Yonkers, NY	1.0	1.0	760	$2,400	$3.16	24d	1	0.82mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	120d	1	0.88mi
28 Urban St Apt 3 Mt Vernon, NY	2.0	1.0	786	$2,050	$2.61	20d	1	0.88mi
282 Summit Ave Unit 2F 1 Bed Mt Vernon, NY	1.0	1.0	650	$2,250	$3.46	31d	1	0.90mi
265 Summit Ave Apt 3 Mt Vernon, NY	2.0	1.0	1000	$3,250	$3.25	21d	1	0.95mi
249 N MacQuesten Pkwy #2 Mt Vernon, NY	2.0	1.0	780	$2,800	$3.59	21d	1	0.95mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	106d	1	0.97mi
2 Alexander Pl Yonkers, NY	1.0	1.0	720	$2,700	$3.75	41d	1	1.00mi
900 Midland Ave Unit 1F Yonkers, NY	2.0	1.0	1000	$2,800	$2.80	69d	1	1.00mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	114d	1	1.01mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	139d	1	1.01mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	116d	1	1.02mi
224 Gramatan Ave Unit 4K Mt Vernon, NY	1.0	1.0	700	$2,400	$3.43	51d	1	1.03mi

Listing history 50 events

1. 2026-08-31
   days on market $169,999 Active 212 DOM
2. 2026-08-30
   days on market $169,999 Active 211 DOM
3. 2026-08-29
   days on market $169,999 Active 210 DOM
4. 2026-08-28
   days on market $169,999 Active 209 DOM
5. 2026-08-27
   days on market $169,999 Active 208 DOM
6. 2026-08-26
   days on market $169,999 Active 207 DOM
7. 2026-08-25
   days on market $169,999 Active 206 DOM
8. 2026-08-24
   days on market $169,999 Active 205 DOM
9. 2026-08-23
   days on market $169,999 Active 204 DOM
10. 2026-08-22
    days on market $169,999 Active 203 DOM
11. 2026-08-21
    days on market $169,999 Active 202 DOM
12. 2026-08-20
    days on market $169,999 Active 201 DOM
13. 2026-08-19
    days on market $169,999 Active 200 DOM
14. 2026-08-18
    days on market $169,999 Active 199 DOM
15. 2026-08-17
    days on market $169,999 Active 198 DOM
16. 2026-08-16
    days on market $169,999 Active 197 DOM
17. 2026-08-15
    days on market $169,999 Active 196 DOM
18. 2026-08-14
    days on market $169,999 Active 195 DOM
19. 2026-08-13
    days on market $169,999 Active 194 DOM
20. 2026-08-12
    days on market $169,999 Active 193 DOM
21. 2026-08-11
    days on market $169,999 Active 192 DOM
22. 2026-08-10
    days on market $169,999 Active 191 DOM
23. 2026-08-09
    days on market $169,999 Active 190 DOM
24. 2026-08-08
    days on market $169,999 Active 189 DOM
25. 2026-08-06
    days on market $169,999 Active 187 DOM
26. 2026-08-05
    days on market $169,999 Active 186 DOM
27. 2026-08-04
    days on market $169,999 Active 185 DOM
28. 2026-08-03
    pricedays on market $169,999 Active 184 DOM
29. 2026-07-28
    days on market $179,999 Active 181 DOM
30. 2026-07-26
    days on market $179,999 Active 179 DOM
31. 2026-07-24
    days on market $179,999 Active 177 DOM
32. 2026-07-23
    days on market $179,999 Active 176 DOM
33. 2026-07-22
    days on market $179,999 Active 175 DOM
34. 2026-07-21
    days on market $179,999 Active 174 DOM
35. 2026-07-20
    days on market $179,999 Active 173 DOM
36. 2026-07-18
    days on market $179,999 Active 171 DOM
37. 2026-07-18
    days on market $179,999 Active 170 DOM
38. 2026-07-16
    days on market $179,999 Active 169 DOM
39. 2026-07-15
    days on market $179,999 Active 168 DOM
40. 2026-07-14
    days on market $179,999 Active 167 DOM
41. 2026-07-13
    days on market $179,999 Active 166 DOM
42. 2026-07-13
    days on market $179,999 Active 165 DOM
43. 2026-07-11
    days on market $179,999 Active 164 DOM
44. 2026-07-10
    days on market $179,999 Active 163 DOM
45. 2026-07-09
    days on market $179,999 Active 162 DOM
46. 2026-07-07
    days on market $179,999 Active 160 DOM
47. 2026-07-06
    days on market $179,999 Active 159 DOM
48. 2026-07-06
    days on market $179,999 Active 158 DOM
49. 2026-07-05
    days on market $179,999 Active 157 DOM
50. 2026-07-03
    days on market $179,999 Active 156 DOM

ⓘ 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 8/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,504
• − Mortgage interest: −$9,523
• − Property taxes: −$2,550
• − Insurance: −$1,647
• − Repairs & maintenance: −$2,360
• − Management: −$2,360
• − Depreciation: −$4,945
• Taxable income: $6,117
• Est. tax owed @ 24.0%: −$1,468
• After-tax cash flow: $6,944/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.

Condition & rehab AI · 9 photos

Fair 45/100 Cosmetic rehab Est. rehab $3,750–$11,250 screening

This one-bedroom unit in the Vincent Arms complex is in fair condition with good systems and finishes. A fresh coat of paint and some minor updates could significantly enhance its value.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and resale value ↑
• Both Replace ceiling fan with modern model — Improves aesthetics and energy efficiency ↑
• Both Install smart thermostat — Saves energy and appeals to tech-savvy buyers ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

Schools (NCES district)

• District: Yonkers City School District
• NCES district ID: 3631920
• Math proficiency: 41% ▼ -1.00%
• Reading proficiency: 54% ▲ 14.00%
• Median HH income: $58,042
• Composite: 41.43/100
• National rank: #3471
• State rank: #413 of 590 in NY

C Composite livability gradescore 68/100

Livability — Yonkers

• Score: 68/100
• State rank: #528
• US rank: #9394

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yonkers, NY
• County: Westchester County · 1,028,035 people
• City population: 212,407
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 22,482
• Household income: $126,343
• Rent vs Own: 24.5% rent · 75.5% own
• Severe rent burden: 8% of renters

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Population outlook (Westchester County) Hauer SSP2

• Today (2025): 1,028,035 people
• By 2030: 1,051,636 · +2.3%
• By 2040: 1,098,520 · +6.9%
• By 2050: 1,136,044 · +10.5%
• By 2075: 1,196,925 · +16.4%
• By 2100: 1,175,147 · +14.3%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 17% Two or more races 10% Black 6% Asian 4%
• Hispanic origin (detail): Puerto Rican 7% Dominican 3%
• Common ancestry: Romanian 2% Lithuanian 2% Scotch-Irish 1%
• Foreign-born: 16% · Canada, China
• Languages at home: 76% English-only · Spanish 10% Other Indo-European 6% Other Asian/Pacific 2%

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Political lean MEDSL · Westchester

• 2024 margin: Strong D (+26.3) · D 63.1% · R 36.9%
• 2008→2024 swing: -1.3pp toward R · 2008: 27.6pp · 2024: 26.3pp
• All cycles: 2024: D+26.3 2020: D+36.3 2016: D+32.8 2012: D+22.2 2008: D+27.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -668.11%
• Current HPI: 203.4295
• Rent YoY: ▲ 4.27%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

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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

+56.5% since first listed

14 events — show timeline

• 2026-05-11 Price Changed $179,999 OneKey® MLS as Distributed by MLS Grid
• 2026-04-13 Price Changed $180,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-28 Listed $200,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-12 Rental Removed $2,200 ONEKEY
• 2025-08-07 Listed for Rent $2,200 ONEKEY
• 2022-02-24 Sold (MLS) $168,000 OneKey® MLS as Distributed by MLS Grid
• 2021-11-08 Pending — OneKey® MLS as Distributed by MLS Grid
• 2021-10-07 Listed $170,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $103,000 HGMLS
• 2009-11-06 Sold (MLS) $103,000 HGMLS
• 2009-08-30 Delisted — HGMLS
• 2009-05-29 Contingent — HGMLS
• 2009-05-29 Price Changed $115,000 HGMLS
• 2008-05-22 Listed $115,000 HGMLS