1339 Bradford St · Schenectady, NY 12306

$95,000

2 bd · 1.5 ba · 1,136 sqft · SingleFamily public records · 37 Days on market

Built 1920 3,920 sqft lot $84/sqft · 51% below area

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.9/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Own with NO Money Down! This 2-3 Bedroom home has been totally remodeled. New furnace, H/W tank, Kitchen cabinets, ceramic tile, sheetrock, carpet & 1/2 bath. Basement is ready to finish. Open House Sunday April 2nd 1-3. Call Listing Agent directly for all showings. Superior Condition

Key facts

• Cute backyard
• Large den
• Covered car port

Tags

• CUTE BACKYARD
• LARGE DEN
• COVERED CAR PORT

Property features AI

Exterior

• Parking: Attached garage; Carport; Space for 3 vehicles
• Utilities: Public water; Public sewer
• Home design: Single family residence; Fixer condition
• Construction: Vinyl siding; Block foundation; Built before 2026
• Exterior features: Asphalt roof; Level, landscaped lot

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: Two bedrooms on the second floor
• Bathrooms: One full bathroom on the second floor; One half bathroom on the first floor
• Heating & cooling: Baseboard heating; Natural gas heating
• Interior features: Living room on the first floor; Den on the first floor; Basement (full)
• Laundry & utility: Laundry in the basement

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $95k.

Deal economics

• At list price, monthly cash flow is $604 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.
• Cap rate 13.9% vs local median 6.3% in Schenectady — 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 78/100 on livability (#167 in NY, #2,597 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, health & safety A+, cost of living A; Watch: employment D+, crime F.
• Schenectady City School District (urban): math 38% / reading 34% proficiency, ranked #556 of 590 in NY (top 94%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 65% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Schenectady High School (math 75% / reading 90%, grade A, #446 of 1,100 statewide, top 41%, 2,743 students, 71% FRL).
• Zoned-school proficiency averages 82% at this address vs 36% district-wide (+46 pts) — the actual schools serving this property are materially stronger than the Schenectady City School District average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 181 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 154 units permitted in Schenectady County in 2024 (54 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $657 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Schenectady County population projected to shrink 4% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

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

Recommended offer $92,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 37 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 1920 — 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. 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?
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: 1.68% ✓
• Cap rate: 13.92%
• Cash-on-cash: 27.23%
• DSCR: 2.21
• GRM: 5.0

CMA / ARV

• ARV (median comp): $195,505
• List price: $95,000
• Delta: -51.41%
• 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
1862 Gray St	0.23mi	2/1.0	1,008 (-11%)	0mo	$226,200	$224	68
1100 Laura St	0.63mi	3/1.5 (+1)	1,100 (-3%)	0mo	$295,000	$268	60
1087 Laura St	0.67mi	2/2.0	1,104 (-3%)	3mo	$275,000	$249	59
2011 Robinwood Ave	0.63mi	3/1.0 (+1)	1,170 (+3%)	3mo	$282,750	$242	56
1468 Helderberg Ave	0.37mi	3/1.5 (+1)	1,000 (-12%)	2mo	$235,000	$235	56
818 Cutler St	0.58mi	3/1.5 (+1)	1,224 (+8%)	0mo	$165,000	$135	55
1201 Helderberg Ave Ave	0.35mi	3/2.0 (+1)	1,271 (+12%)	2mo	$252,000	$198	55
1782 Fiero Ave	0.73mi	3/1.0 (+1)	1,175 (+3%)	0mo	$266,000	$226	53
1815 Curry Rd	0.68mi	3/1.0 (+1)	1,194 (+5%)	1mo	$225,000	$188	52
1084 Webster St	0.41mi	3/2.0 (+1)	1,282 (+13%)	2mo	$230,000	$179	51
1020 Pearl St	0.57mi	2/1.5	1,295 (+14%)	0mo	$152,500	$118	50
917 Hazelwood Ave	0.54mi	3/1.0 (+1)	1,000 (-12%)	0mo	$230,000	$230	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 21.2%
• Equity multiple: 1.87×
• Total profit: $23,075
• Equity at exit: $14,165

10-year hold

• IRR: 29.4%
• Equity multiple: 3.62×
• Total profit: $69,696
• Equity at exit: $8,214

Cash invested: $26,600 (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 12306

• Home prices YoY: -23.8%
• Active inventory: 181
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,595 high
• Mortgage (P&I): −$498
• Tax est. 1.5%: −$119 /mo · $1,425/yr
• Insurance: −$40
• HOA: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $604

Break-even live

Break-even rent $831

Max offer price $95,000

Occupancy floor 57%

Sensitivity live

Price	-10% $669	-5% $636	+0% $604	+5% $571	+10% $538
Rent	-10% $478	-5% $541	+0% $604	+5% $667	+10% $730
Rate	-1.0pp $651	-0.5pp $628	base $604	+0.5pp $579	+1.0pp $554

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1121 10th Ave Schenectady, NY	2.0	1.0	800	$1,250	$1.56	24d	1	0.40mi
1130 Pleasant St Schenectady, NY	2.0	1.0	1069	$1,300	$1.22	44d	1	0.41mi
1120 Pleasant St Schenectady, NY	3.0	1.0	1000	$1,500	$1.50	15d	1	0.42mi
1729 Ferguson St Schenectady, NY	2.0	1.0	850	$1,730	$2.04	15d	1	0.71mi
2030 Euclid Ave Schenectady, NY	3.0	1.0	1300	$2,000	$1.54	20d	1	0.71mi
418 Third St Schenectady, NY	3.0	1.0	1000	$2,200	$2.20	15d	1	0.81mi
1826 Campbell Ave Schenectady, NY	3.0	1.0	1000	$1,600	$1.60	15d	1	0.84mi
2007 Campbell Ave Schenectady, NY	3.0	1.0	1272	$1,600	$1.26	15d	1	0.93mi
830 Vischer Ave Schenectady, NY	1.0	1.0	1000	$1,000	$1.00	15d	1	0.96mi
611 Cramer Ave Schenectady, NY	3.0	1.0	1100	$2,295	$2.09	15d	1	1.07mi
918 Delamont Ave Schenectady, NY	3.0	1.0	1192	$1,600	$1.34	24d	1	1.18mi
922 State St Schenectady, NY	1.0–2.0	1.0	855	$1,390	$1.63	15d	6	1.43mi

Listing history 24 events

1. 2026-06-18
   days on market $95,000 Active 37 DOM
2. 2026-06-17
   days on market $95,000 Active 36 DOM
3. 2026-06-16
   days on market $95,000 Active 35 DOM
4. 2026-06-15
   days on market $95,000 Active 34 DOM
5. 2026-06-14
   days on market $95,000 Active 32 DOM
6. 2026-06-13
   days on market $95,000 Active 31 DOM
7. 2026-06-10
   days on market $95,000 Active 29 DOM
8. 2026-06-09
   days on market $95,000 Active 28 DOM
9. 2026-06-08
   days on market $95,000 Active 27 DOM
10. 2026-06-07
    days on market $95,000 Active 26 DOM
11. 2026-06-03
    days on market $95,000 Active 22 DOM
12. 2026-06-02
    days on market $95,000 Active 21 DOM
13. 2026-06-01
    days on market $95,000 Active 20 DOM
14. 2026-05-31
    days on market $95,000 Active 19 DOM
15. 2026-05-31
    days on market $95,000 Active 18 DOM
16. 2026-05-12
    listed $95,000 Active 308-char remark
17. 2006-05-10
    soldstatus $106,000
18. 2006-04-26
    soldstatus $106,000 293-char remark

    Show marketing remark (293 chars)

    Own with NO Money Down! This 2-3 Bedroom home has been totally remodeled. New furnace, H/W tank, Kitchen cabinets, ceramic tile, sheetrock, carpet & 1/2 bath. Basement is ready to finish. Open House Sunday April 2nd 1-3. Call Listing Agent directly for all showings. Superior Condition

19. 2006-04-04
    historical 293-char remark

    Show marketing remark (293 chars)

    Own with NO Money Down! This 2-3 Bedroom home has been totally remodeled. New furnace, H/W tank, Kitchen cabinets, ceramic tile, sheetrock, carpet & 1/2 bath. Basement is ready to finish. Open House Sunday April 2nd 1-3. Call Listing Agent directly for all showings. Superior Condition

20. 2006-03-14
    listed $109,900 293-char remark

    Show marketing remark (293 chars)

    Own with NO Money Down! This 2-3 Bedroom home has been totally remodeled. New furnace, H/W tank, Kitchen cabinets, ceramic tile, sheetrock, carpet & 1/2 bath. Basement is ready to finish. Open House Sunday April 2nd 1-3. Call Listing Agent directly for all showings. Superior Condition

21. 2005-03-14
    soldstatus $39,000
22. 2005-02-21
    soldstatus $39,000

    Show marketing remark (137 chars)

    990 sq. foot 2 story home with 2 bedrooms, nice fenced yard, enclosed porch, shed, carport, walk-out basement. Sold as is. Good Condition

23. 2005-01-31
    historical

    Show marketing remark (137 chars)

    990 sq. foot 2 story home with 2 bedrooms, nice fenced yard, enclosed porch, shed, carport, walk-out basement. Sold as is. Good Condition

24. 2005-01-31
    listed $39,900

    Show marketing remark (137 chars)

    990 sq. foot 2 story home with 2 bedrooms, nice fenced yard, enclosed porch, shed, carport, walk-out basement. Sold as is. Good Condition

ⓘ 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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 16 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 4% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,142
• − Mortgage interest: −$5,321
• − Property taxes: −$1,425
• − Insurance: −$475
• − Repairs & maintenance: −$1,531
• − Management: −$1,531
• − Depreciation: −$2,764
• Taxable income: $6,094
• Est. tax owed @ 24.0%: −$1,463
• After-tax cash flow: $5,781/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: Schenectady City School District
• NCES district ID: 3626010
• Math proficiency: 38% ▲ 12.00%
• Reading proficiency: 34% ▲ 2.00%
• Median HH income: $39,453
• Composite: 30.2/100
• National rank: #6309
• State rank: #556 of 590 in NY

Livability — Schenectady

• Score: 78/100
• State rank: #167
• US rank: #2597

Category grades

Amenities B- 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: Schenectady, NY
• County: Schenectady County · 141,369 people
• City population: 141,369
• Metro: Albany-Schenectady-Troy, NY
• Population (ZIP): 27,865
• Household income: $83,202
• Rent vs Own: 31.4% rent · 68.6% own
• Severe rent burden: 629.0

Population outlook (Schenectady County) Hauer SSP2

• Today (2025): 155,046 people
• By 2030: 154,322 · -0.5%
• By 2040: 151,796 · -2.1%
• By 2050: 148,621 · -4.1%
• By 2075: 141,229 · -8.9%
• By 2100: 126,014 · -18.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Two or more races 8% Black 7% Hispanic / Latino 7% Asian 3%
• Hispanic origin (detail): Puerto Rican 4% Dominican 1%
• Common ancestry: Romanian 7% Lithuanian 5% Iranian 3%
• Foreign-born: 6% · Canada
• Languages at home: 94% English-only · Spanish 3% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Schenectady

• 2024 margin: D (+10.8) · D 55.4% · R 44.6%
• 2008→2024 swing: -1.8pp toward R · 2008: 12.7pp · 2024: 10.8pp
• All cycles: 2024: D+10.8 2020: D+15.7 2016: D+5.8 2012: D+15.4 2008: D+12.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -91.35%
• Current HPI: 292.1229
• Rent YoY: —
• Metro: Albany-Schenectady-Troy, 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

+138.1% since first listed

9 events — show timeline

• 2026-05-12 Listed $95,000 Global MLS
• 2006-05-10 Sold (Public Records) $106,000 Public Records
• 2006-04-26 Sold (MLS) $106,000 Global MLS
• 2006-04-04 Listing Removed — Global MLS
• 2006-03-14 Listed $109,900 Global MLS
• 2005-03-14 Sold (Public Records) $39,000 Public Records
• 2005-02-21 Sold (MLS) $39,000 Global MLS
• 2005-01-31 Listed $39,900 Global MLS
• 2005-01-31 Listing Removed — Global MLS

Property tax history

+2.4%/yr

Latest (2025): $4,987 · +3.5% YoY. Source: county tax records.