316 Tilden Ave · Utica, NY 13501

$130,000

4 bd · 2.0 ba · 1,600 sqft · Townhouse public records · 235 Days on market

Built 1890 3,840 sqft lot $81/sqft · 37% below area Est $205k · 37% under ↓ 18% since listing

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Why this score? — see what drove the A- 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
• Appreciation +10.0/10.0
• 1% rule +8.0/10.0
• Livability +4.0/5.0
• Schools +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

MAJOR PRICE ADJUSTMENT! What an amazing value for your money in Utica! This duplex consists of two units, one first floor and one second floor. Each unit offers 2 bedrooms, living room, dining room, eat-in kitchen, 1 full bath (with tub), and an enclosed porch. There are also laundry hookups in each unit. The lower apartment has a back deck as well. Public water & sewer make this a low maintenance opportunity with great income potential!

Key facts

• Public sewer
• Enclosed porch
• Back deck

Tags

• ENCLOSED PORCH
• BACK DECK
• LAUNDRY HOOKUPS
• PUBLIC WATER
• PUBLIC SEWER

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath townhouse listed at $130k.

Deal economics

• At list price, monthly cash flow is $497 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.9% vs local median 7.7% in Utica — 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 80/100 on livability (#104 in NY, #1,589 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D, schools D-, crime F.
• Utica City School District (urban): math 33% / reading 38% proficiency, ranked #562 of 590 in NY (top 95%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 143 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 204 units permitted in Oneida County in 2024 (68 in 5+ unit buildings).
• This rent runs 39% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $14k of equity ($899 loan paydown + $13k appreciation (10.0% local appreciation)).
• Oneida County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $36k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 235 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $114,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 235 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1890 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 1.30% ✓
• Cap rate: 10.88%
• Cash-on-cash: 16.38%
• DSCR: 1.73
• GRM: 6.4

CMA / ARV

• ARV (median comp): $205,193
• List price: $130,000
• Delta: -36.65%
• Verdict: UNDERPRICED
• Comps: 3 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
330 Gilbert St	0.14mi	3/2.0 (-1)	1,592 (-0%)	13mo	$37,400	$23	76

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 36.4%
• Equity multiple: 3.81×
• Total profit: $102,442
• Equity at exit: $117,114

10-year hold

• IRR: 31.3%
• Equity multiple: 8.60×
• Total profit: $276,770
• Equity at exit: $252,561

Cash invested: $36,400 (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 13501

• Home prices YoY: 5.6%
• Active inventory: 143
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,696 medium
• Mortgage (P&I): −$682
• Tax from tax record: −$107 /mo · $1,281/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $497

Break-even live

Break-even rent $1,067

Max offer price $130,000

Occupancy floor 66%

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
807 Eagle St Utica, NY	3.0	1.0	1526	$1,300	$0.85	43d	1	1.13mi
1124 Dudley Ave Unit 1 Utica, NY	3.0	1.0	1300	$1,400	$1.08	43d	1	1.49mi

Listing history 20 events

1. 2026-06-19
   days on market $130,000 Active 235 DOM
2. 2026-06-18
   days on market $130,000 Active 234 DOM
3. 2026-06-17
   days on market $130,000 Active 233 DOM
4. 2026-06-16
   days on market $130,000 Active 232 DOM
5. 2026-06-15
   days on market $130,000 Active 231 DOM
6. 2026-06-14
   days on market $130,000 Active 229 DOM
7. 2026-06-13
   days on market $130,000 Active 228 DOM
8. 2026-06-10
   days on market $130,000 Active 226 DOM
9. 2026-06-09
   days on market $130,000 Active 225 DOM
10. 2026-06-08
    days on market $130,000 Active 224 DOM
11. 2026-06-07
    days on market $130,000 Active 223 DOM
12. 2026-06-03
    days on market $130,000 Active 219 DOM
13. 2026-06-02
    days on market $130,000 Active 218 DOM
14. 2026-06-01
    days on market $130,000 Active 217 DOM
15. 2026-05-31
    days on market $130,000 Active 216 DOM
16. 2026-05-30
    days on market $130,000 Active 215 DOM
17. 2026-02-02
    price $130,000 447-char remark

    Show marketing remark (447 chars)

    MAJOR PRICE ADJUSTMENT! What an amazing value for your money in Utica! This duplex consists of two units, one first floor and one second floor. Each unit offers 2 bedrooms, living room, dining room, eat-in kitchen, 1 full bath (with tub), and an enclosed porch. There are also laundry hookups in each unit. The lower apartment has a back deck as well. Public water & sewer make this a low maintenance opportunity with great income potential!

18. 2026-01-12
    price $149,000 447-char remark

    Show marketing remark (447 chars)

    MAJOR PRICE ADJUSTMENT! What an amazing value for your money in Utica! This duplex consists of two units, one first floor and one second floor. Each unit offers 2 bedrooms, living room, dining room, eat-in kitchen, 1 full bath (with tub), and an enclosed porch. There are also laundry hookups in each unit. The lower apartment has a back deck as well. Public water & sewer make this a low maintenance opportunity with great income potential!

19. 2025-12-17
    price $154,000 447-char remark

    Show marketing remark (447 chars)

    MAJOR PRICE ADJUSTMENT! What an amazing value for your money in Utica! This duplex consists of two units, one first floor and one second floor. Each unit offers 2 bedrooms, living room, dining room, eat-in kitchen, 1 full bath (with tub), and an enclosed porch. There are also laundry hookups in each unit. The lower apartment has a back deck as well. Public water & sewer make this a low maintenance opportunity with great income potential!

20. 2025-10-27
    listed $159,000 Active 447-char remark

    Show marketing remark (447 chars)

    MAJOR PRICE ADJUSTMENT! What an amazing value for your money in Utica! This duplex consists of two units, one first floor and one second floor. Each unit offers 2 bedrooms, living room, dining room, eat-in kitchen, 1 full bath (with tub), and an enclosed porch. There are also laundry hookups in each unit. The lower apartment has a back deck as well. Public water & sewer make this a low maintenance opportunity with great income potential!

ⓘ 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: $1,281 · $107/mo
• Projected year-2 tax: $1,739 · $145/mo
• Expected delta: +$458/yr (+$38/mo · 35.8%)

ⓘ 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 3/10 Moderate 7 d/yr ≥95°F today · 17 d/yr by 30 yrs out
• 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,348
• − Mortgage interest: −$7,282
• − Property taxes: −$1,281
• − Insurance: −$650
• − Repairs & maintenance: −$1,628
• − Management: −$1,628
• − Depreciation: −$3,782
• Taxable income: $4,098
• Est. tax owed @ 24.0%: −$983
• After-tax cash flow: $4,980/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: Utica City School District
• NCES district ID: 3629370
• Math proficiency: 33% ▼ -7.00%
• Reading proficiency: 38% ▲ 2.00%
• Median HH income: $31,834
• Composite: 29.01/100
• National rank: #6613
• State rank: #562 of 590 in NY

Livability — Utica

• Score: 80/100
• State rank: #104
• US rank: #1589

Category grades

Amenities A 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: Utica, NY
• County: Oneida County · 89,710 people
• City population: 72,968
• Metro: Utica-Rome, NY
• Population (ZIP): 38,931
• Household income: $52,548
• Rent vs Own: 49.2% rent · 50.8% own
• Severe rent burden: 2251.0

Population outlook (Oneida County) Hauer SSP2

• Today (2025): 225,223 people
• By 2030: 220,384 · -2.1%
• By 2040: 209,071 · -7.2%
• By 2050: 197,920 · -12.1%
• By 2075: 175,541 · -22.1%
• By 2100: 148,491 · -34.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 49% Two or more races 15% Hispanic / Latino 14% Black 14% Asian 14%
• Hispanic origin (detail): Puerto Rican 8% Dominican 4%
• Common ancestry: American 8% Romanian 3% Lithuanian 1%
• Foreign-born: 25% · Canada, Philippines, Vietnam
• Languages at home: 62% English-only · Other Asian/Pacific 11% Russian/Polish/Slavic 10% Spanish 9%

Political lean MEDSL · Oneida

• 2024 margin: Strong R (+21.3) · D 39.4% · R 60.6%
• 2008→2024 swing: -15.2pp toward R · 2008: -6.1pp · 2024: -21.3pp
• All cycles: 2024: R+21.3 2020: R+15.5 2016: R+21.1 2012: R+5.3 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 20.28%
• Current HPI: 382.3726
• Rent YoY: —
• Metro: Utica-Rome, 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

-18.2% since first listed

4 events — show timeline

• 2026-02-02 Price Changed $130,000 CNYIS
• 2026-01-12 Price Changed $149,000 CNYIS
• 2025-12-17 Price Changed $154,000 CNYIS
• 2025-10-27 Listed $159,000 CNYIS

Property tax history

+4.0%/yr

Latest (2025): $1,281 · +5.6% YoY. Source: county tax records.