7214 Mount Morris Nunda Rd · Mount Morris, NY 14510

$69,900

5 bd · 1.0 ba · 1,958 sqft · SingleFamily public records · 136 Days on market

Built 1900 2.22 ac lot

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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
• Appreciation +4.6/10.0
• Schools +3.3/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to this generously sized 4-bedroom, 2-bath home located in the heart of Mount Morris. Offering ample living space and a versatile layout, this property is ideal for a large household, multi-generational living, or investors!. The home features bright rooms with plenty of natural light, spacious bedrooms, and a functional floor plan that allows for a variety of uses. With five bedrooms, there’s room for home offices, guest space, or creative flex areas. Conveniently located near local shops, schools, parks, and major routes, this home provides both space and accessibility. Whether you’re looking to personalize a home to make it your own or add to your investment portfolio

Key facts

• Versatile layout
• Natural light
• Conveniently located

Tags

• NATURAL LIGHT
• FUNCTIONAL FLOOR PLAN
• VERSATILE LAYOUT
• CONVENIENTLY LOCATED

Property features AI

Finance

• HOA & community: Trails and paths nearby

Exterior

• Parking: No garage
• Utilities: Well water; Septic tank
• Home design: Two-story residence; Existing (resale) property
• Construction: Block foundation; Block and concrete construction with vinyl siding
• Exterior features: Gravel driveway; Agricultural and irregular lot characteristics; Full basement

Interior

• Kitchen: Eat-in kitchen; Water heater listed under equipment
• Bedrooms: One main-level bedroom; Total of 10 rooms including additional family and storage rooms
• Flooring: Carpet; Laminate; Tile; Varies
• Bathrooms: Two full bathrooms; One full bathroom on the main level
• Heating & cooling: Forced air heating; Oil heating
• Interior features: Eat-in kitchen; Storage space; Other interior features (see remarks)
• Laundry & utility: Water heater

What this means for you Summary

Snapshot

• This is a 5-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $450 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).
• Recommended offer: $62k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 59/100 on livability (#1,027 in NY) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime B; Watch: schools F, amenities F, commute F.
• Mount Morris Central School District (town): math 31% / reading 47% proficiency, ranked #537 of 590 in NY (top 91%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 27 active listings in the ZIP; 86 units permitted in Livingston County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-0.8%/yr); year-one equity from $483 of loan paydown is wiped out by about $570 of value loss. Plan a longer hold.
• Livingston County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.8% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 136 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $25k; list at $70k implies a 180% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 4.1% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $61,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 136 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 1900 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.96% ✓
• Cap rate: 14.01%
• Cash-on-cash: 27.58%
• DSCR: 2.23
• GRM: 4.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.82% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 26.4%
• Equity multiple: 2.23×
• Total profit: $24,076
• Equity at exit: $17,491

10-year hold

• IRR: 31.3%
• Equity multiple: 4.30×
• Total profit: $64,604
• Equity at exit: $18,898

Cash invested: $19,572 (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 14510

• Home prices YoY: -0.3%
• Active inventory: 27
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,369 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$236 /mo · $2,835/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$288
• Net cashflow: $450

Break-even live

Break-even rent $800

Max offer price $69,900

Occupancy floor 62%

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-18
   days on market $69,900 Active 136 DOM
2. 2026-06-17
   days on market $69,900 Active 135 DOM
3. 2026-06-16
   days on market $69,900 Active 134 DOM
4. 2026-06-15
   days on market $69,900 Active 133 DOM
5. 2026-06-13
   days on market $69,900 Active 131 DOM
6. 2026-06-12
   days on market $69,900 Active 130 DOM
7. 2026-06-09
   days on market $69,900 Active 127 DOM
8. 2026-06-08
   days on market $69,900 Active 126 DOM
9. 2026-06-07
   days on market $69,900 Active 125 DOM
10. 2026-06-07
    days on market $69,900 Active 124 DOM
11. 2026-06-04
    pricedays on market $69,900 Active 121 DOM
12. 2026-06-02
    days on market $79,900 Active 120 DOM
13. 2026-06-01
    days on market $79,900 Active 119 DOM
14. 2026-05-31
    days on market $79,900 Active 118 DOM
15. 2026-04-29
    price $79,900
16. 2026-02-02
    listed $99,900 Active
17. 2002-07-15
    soldstatus $25,000

ⓘ 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: $2,835 · $236/mo
• Projected year-2 tax: $2,835 · $236/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 2/10 Low
• 🌡 Heat 2/10 Low 6 d/yr ≥93°F today · 14 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,431
• − Mortgage interest: −$3,915
• − Property taxes: −$2,835
• − Insurance: −$350
• − Repairs & maintenance: −$1,314
• − Management: −$1,314
• − Depreciation: −$2,033
• Taxable income: $4,669
• Est. tax owed @ 24.0%: −$1,120
• After-tax cash flow: $4,277/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: Mount Morris Central School District
• NCES district ID: 3620010
• Math proficiency: 31% ▼ -3.00%
• Reading proficiency: 47% ▲ 10.00%
• Median HH income: $42,913
• Composite: 32.93/100
• National rank: #5596
• State rank: #537 of 590 in NY

Livability — Mount Morris

• Score: 59/100
• State rank: #1027
• US rank: #20058

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 4,781

Population outlook (Livingston County) Hauer SSP2

• Today (2025): 63,466 people
• By 2030: 61,966 · -2.4%
• By 2040: 58,398 · -8.0%
• By 2050: 54,955 · -13.4%
• By 2075: 49,958 · -21.3%
• By 2100: 43,944 · -30.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 6% Two or more races 6%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Portuguese 4% Lithuanian 2% Serbian 2%
• Foreign-born: 1%
• Languages at home: 94% English-only · Spanish 3% German/W. Germanic 2% French/Haitian/Cajun 1%

Political lean MEDSL · Livingston

• 2024 margin: Strong R (+21.4) · D 39.3% · R 60.7%
• 2008→2024 swing: -13.6pp toward R · 2008: -7.9pp · 2024: -21.4pp
• All cycles: 2024: R+21.4 2020: R+18.2 2016: R+27.8 2012: R+9.4 2008: R+7.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.82%
• Current HPI: 250.0593
• 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

+219.6% since first listed

3 events — show timeline

• 2026-04-29 Price Changed $79,900 UNYREIS
• 2026-02-02 Listed $99,900 UNYREIS
• 2002-07-15 Sold (Public Records) $25,000 Public Records

Property tax history

+7.2%/yr

Latest (2025): $2,835 · -3.2% YoY. Source: county tax records.