79 Maplehurst Rd · Irondequoit, NY 14617

$199,900

3 bd · 1.5 ba · 1,520 sqft · SingleFamily public records · 8 Days on market

Built 1923 5,227 sqft lot Est $287k · 30% 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).

• ARV discount +15.0/15.0
• Cash flow +12.2/30.0
• Schools +6.2/10.0
• 1% rule +5.2/10.0
• Livability +4.0/5.0
• DSCR +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this Classic Colonial located on a quiet neighborhood street in West Irondequoit! Charm abounds with details like Leaded Glass, Original Gumwood trim and hardwood floors bringing you back to a different time. The home has several updated features as well. Complete Tear Off Roof (2020), all new windows throughout, Hot Water (2024), Garage Doors and Openers (2021), New front door, a refreshed main bath on the 2nd floor and granite countertops in the kitchen. As an added convenience, this home offers 1st floor laundry, a half bath and a bonus room for a den/study! All you have to do is simply put your personal stamp on this home. This neighborhood connects by walking path to the Sen

Key facts

• Leaded glass
• Hardwood floors
• Hot water

Tags

• LEADED GLASS
• ORIGINAL GUMWOOD TRIM
• HARDWOOD FLOORS
• COMPLETE TEAR OFF ROOF
• NEW WINDOWS
• HOT WATER

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $-41 ($-486/yr) — negative.
• To cash-flow at today's rent, offer at most $193k (3.6% below list).
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $193k (3.6% below list) — sets the bar for cash-flow.
• Cap rate 6.0% vs local median 4.5% in Irondequoit — 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 81/100 on livability (#92 in NY, #1,414 nationally) — a professional / high-income tenant draw. Strengths: housing A+, health & safety A+, crime B+; Watch: amenities F.
• West Irondequoit Central School District (suburban): math 73% / reading 70% proficiency, ranked #126 of 590 in NY (top 21%) — strong family-tenant draw, lease renewals of 3-5y typical; only 18% free/reduced lunch — higher-income household profile.
• Zoned schools: Irondequoit High School (math 96% / reading 64%, grade A, #509 of 1,100 statewide, top 46%, 1,163 students, 33% FRL).
• Market conditions: 104 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,169 units permitted in Monroe County in 2024 (591 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.
• Monroe County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $102k; list at $200k implies a 96% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price; built in 1923 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $192,739 (3.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1923 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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.
7. 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.
8. 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: 6.05%
• Cash-on-cash: -0.87%
• DSCR: 0.96
• GRM: 8.2

CMA / ARV

• ARV (on-the-fly): $287,280
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
79 Maplehurst Rd	0.00mi	3/1.5	1,520 (0%)	1mo	$250,000	$164	100
112 Maplehurst Rd	0.06mi	3/1.5	1,386 (-9%)	1mo	$255,000	$184	82
44 Maplehurst Rd	0.06mi	2/1.0 (-1)	1,415 (-7%)	2mo	$267,000	$189	77
163 Rawlinson Rd	0.39mi	3/1.0	1,474 (-3%)	2mo	$290,000	$197	74
53 Armstrong Ave	0.20mi	3/1.0	1,371 (-10%)	5mo	$231,000	$168	68
226 Barry Rd	0.49mi	4/2.0 (+1)	1,460 (-4%)	1mo	$300,000	$205	62
262 Simpson Rd	0.58mi	3/1.5	1,427 (-6%)	5mo	$296,000	$207	59
197 Barry Rd	0.48mi	4/1.5 (+1)	1,382 (-9%)	0mo	$235,000	$170	57
361 Barry Rd	0.68mi	3/1.5	1,630 (+7%)	1mo	$317,500	$195	55
151 Seville Dr	0.59mi	4/1.5 (+1)	1,428 (-6%)	6mo	$275,000	$193	52
170 East Pkwy	0.36mi	4/2.5 (+1)	1,700 (+12%)	5mo	$250,000	$147	50
146 Burwell Rd	0.62mi	3/1.5	1,320 (-13%)	2mo	$245,000	$186	47

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: -17.6%
• Equity multiple: 0.38×
• Total profit: $-34,778
• Equity at exit: $29,806

10-year hold

• IRR: -9.5%
• Equity multiple: 0.41×
• Total profit: $-32,809
• Equity at exit: $17,284

Cash invested: $55,972 (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 14617

• Active inventory: 104
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $2,039 high
• Mortgage (P&I): −$1,048
• Tax from tax record: −$520 /mo · $6,237/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $-41

Break-even live

Break-even rent $2,090

Max offer price $192,739

Occupancy floor 97%

Sensitivity live

Price	-10% $73	-5% $16	+0% $-41	+5% $-97	+10% $-154
Rent	-10% $-202	-5% $-121	+0% $-41	+5% $40	+10% $121
Rate	-1.0pp $60	-0.5pp $10	base $-41	+0.5pp $-92	+1.0pp $-145

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
83 Navarre Rd Rochester, NY	3.0	2.0	1322	$2,250	$1.70	4d	1	0.53mi
38 Elgrove Rd Rochester, NY	4.0	1.5	1600	$2,295	$1.43	23d	1	0.87mi
248 Flower City Park Rochester, NY	3.0	1.0	1350	$1,800	$1.33	5d	1	0.92mi
235 Flower City Park Rochester, NY	3.0	1.0	2000	$1,360	$0.68	45d	1	0.95mi
148 Chestnut Hill Dr Rochester, NY	3.0	2.0	1659	$2,250	$1.36	4d	1	1.11mi
39 Chelsea Rd Rochester, NY	3.0	1.5	1108	$2,350	$2.12	25d	1	1.28mi
287 Electric Ave Rochester, NY	3.0	1.5	1297	$1,500	$1.16	4d	1	1.41mi
1016 Lake Ave Unit 1 Rochester, NY	3.0	1.0	1300	$1,600	$1.23	45d	1	1.46mi
768 Flower City Park Rochester, NY	3.0	1.0	1995	$1,995	$1.00	12d	1	1.48mi

Listing history 5 events

1. 2026-04-08
   status Pending
2. 2026-03-30
   listed $199,900 Active
3. 2006-11-06
   soldstatus $102,000
4. 2003-02-27
   soldstatus $75,000
5. 1998-01-05
   soldstatus $79,900

ⓘ 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: $6,237 · $520/mo
• Projected year-2 tax: $6,237 · $520/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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,468
• − Mortgage interest: −$11,198
• − Property taxes: −$6,237
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,957
• − Management: −$1,957
• − Depreciation: −$5,815
• Taxable loss: −$3,696
• Est. tax savings @ 24.0%: +$887
• After-tax cash flow: $401/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: West Irondequoit Central School District
• NCES district ID: 3615390
• Math proficiency: 73% ▲ 3.00%
• Reading proficiency: 70% ▲ 5.00%
• Median HH income: $60,218
• Composite: 61.61/100
• National rank: #748
• State rank: #126 of 590 in NY

Livability — Irondequoit

• Score: 81/100
• State rank: #92
• US rank: #1414

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Irondequoit, NY
• County: Monroe County · 674,131 people
• City population: 74,252
• Metro: Rochester, NY
• Population (ZIP): 21,788
• Household income: $90,192
• Rent vs Own: 14.7% rent · 85.3% own
• Severe rent burden: 426.0

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 759,460 people
• By 2030: 757,154 · -0.3%
• By 2040: 740,644 · -2.5%
• By 2050: 714,443 · -5.9%
• By 2075: 645,883 · -15.0%
• By 2100: 547,084 · -28.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 8% Two or more races 6% Black 4%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Romanian 6% Iranian 3% Lithuanian 3%
• Foreign-born: 4% · Canada
• Languages at home: 93% English-only · Spanish 4% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Monroe

• 2024 margin: D (+19.1) · D 59.5% · R 40.5%
• 2008→2024 swing: +1.4pp toward D · 2008: 17.7pp · 2024: 19.1pp
• All cycles: 2024: D+19.1 2020: D+21.0 2016: D+14.1 2012: D+17.4 2008: D+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -148.22%
• Current HPI: 263.9973
• Rent YoY: —
• Metro: Rochester, 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

+150.2% since first listed

5 events — show timeline

• 2026-04-08 Pending — UNYREIS
• 2026-03-30 Listed $199,900 UNYREIS
• 2006-11-06 Sold (Public Records) $102,000 Public Records
• 2003-02-27 Sold (Public Records) $75,000 Public Records
• 1998-01-05 Sold (Public Records) $79,900 Public Records

Property tax history

+3.8%/yr

Latest (2025): $6,237 · +13.1% YoY. Source: county tax records.