3627 Walworth Rd · Walworth, NY 14568

$184,900

3 bd · 2.0 ba · 1,564 sqft · SingleFamily public records · 9 Days on market

Built 1870 0.45 ac lot Est $289k · 36% 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 +23.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.5/10.0
• 1% rule +7.4/10.0
• Schools +5.4/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

WELL CARED for WALWORTH BEAUTY ripe for the picking! Welcome to this METICULOUSLY MAINTAINED 3BR/2BA home in the heart of Walworth, NY. Close to shopping and restaurants, but far enough away to enjoy quiet nights at home sitting on one of many outdoor porches and TREX decks. Above ground POOL for lounging with TREX deck as well! BRAND NEW REMODELED KITCHEN FROM THE STUDS WITH HIGH EFFICIENCY APPLIANCES, GRANITE COUNTERTOPS, AND NEW FLOORING IN LIVING ROOM/FRONT ROOM 2019! NEW SIDE PORCH 2023! FRESHLY PAINTED THROUGHOUT 2026! Country living with a modern twist, you can't let this one slip away! Delayed Negotiations 4/13/26, offers due by 2pm. Open House Saturday 4/11/26, 1-3 pm, refresh

Key facts

• Above ground pool
• Remodeled kitchen
• Trex decks

Tags

• OUTDOOR PORCHES
• TREX DECKS
• ABOVE GROUND POOL
• REMODELED KITCHEN
• HIGH EFFICIENCY APPLIANCES
• GRANITE COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $185k.

Deal economics

• At list price, monthly cash flow is $338 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $185k).

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Wayne Central School District (suburban): math 57% / reading 68% proficiency, ranked #194 of 590 in NY (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 24 active listings in the ZIP; 259 units permitted in Wayne County in 2024 (90 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.
• Wayne County population projected at -24% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price; built in 1870 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $184,900

Questions for the listing agent

1. Built in 1870 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.24% ✓
• Cap rate: 8.49%
• Cash-on-cash: 7.84%
• DSCR: 1.35
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $289,340
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3627 Walworth Rd	0.00mi	3/2.0	1,564 (0%)	0mo	$250,000	$160	100
2447 Walworth Marion Rd	0.58mi	4/1.5 (+1)	1,432 (-8%)	8mo	$265,000	$185	45

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: -4.3%
• Equity multiple: 0.84×
• Total profit: $-8,259
• Equity at exit: $27,569

10-year hold

• IRR: 5.5%
• Equity multiple: 1.41×
• Total profit: $21,194
• Equity at exit: $15,987

Cash invested: $51,772 (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 14568

• Home prices YoY: -24.5%
• Active inventory: 24
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $2,300 medium
• Mortgage (P&I): −$970
• Tax from tax record: −$432 /mo · $5,188/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$483
• Net cashflow: $338

Break-even live

Break-even rent $1,872

Max offer price $184,900

Occupancy floor 80%

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: $46,225
• Closing costs: $5,547
• Reserves months: —
• Total cash needed: —

Listing history 2 events

1. 2026-04-15
   status Pending
2. 2026-04-06
   listed $184,900 Active

ⓘ 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: $5,188 · $432/mo
• Projected year-2 tax: $5,188 · $432/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 · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥95°F today · 16 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: $27,604
• − Mortgage interest: −$10,357
• − Property taxes: −$5,188
• − Insurance: −$924
• − Repairs & maintenance: −$2,208
• − Management: −$2,208
• − Depreciation: −$5,379
• Taxable income: $1,339
• Est. tax owed @ 24.0%: −$321
• After-tax cash flow: $3,738/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: Wayne Central School District
• NCES district ID: 3630330
• Math proficiency: 57% ▼ -8.00%
• Reading proficiency: 68% ▲ 10.00%
• Median HH income: $61,193
• Composite: 54.18/100
• National rank: #1378
• State rank: #194 of 590 in NY

Livability — Walworth

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Walworth, NY
• City population: 6,023
• Population (ZIP): 6,023

Population outlook (Wayne County) Hauer SSP2

• Today (2025): 85,662 people
• By 2030: 81,945 · -4.3%
• By 2040: 73,735 · -13.9%
• By 2050: 65,029 · -24.1%
• By 2075: 47,451 · -44.6%
• By 2100: 31,574 · -63.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 6% Two or more races 3% Asian 2%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 7% Iranian 6% Lithuanian 4%
• Foreign-born: 4% · China
• Languages at home: 96% English-only · Russian/Polish/Slavic 1% Spanish 1% Chinese 1%

Political lean MEDSL · Wayne

• 2024 margin: Strong R (+23.1) · D 38.5% · R 61.5%
• 2008→2024 swing: -13.2pp toward R · 2008: -9.9pp · 2024: -23.1pp
• All cycles: 2024: R+23.1 2020: R+19.6 2016: R+26.1 2012: R+9.3 2008: R+9.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.51%
• Current HPI: 220.2509
• 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

2 events — show timeline

• 2026-04-15 Pending — UNYREIS
• 2026-04-06 Listed $184,900 UNYREIS

Property tax history

+5.5%/yr

Latest (2025): $5,188 · +3.1% YoY. Source: county tax records.