31 W Main St · Norfolk, NY 13667

$66,500

2 bd · 1.0 ba · 810 sqft · SingleFamily public records · 418 Days on market

Built 1940 $82/sqft · 29% below area Est $117k · 43% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• Appreciation +4.9/10.0
• Livability +3.2/5.0
• Schools +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

Key facts

• Four parking spaces
• New kitchen cabinets
• 4 parking spots

Tags

• NEW LAMINATE FLOORING
• NEW KITCHEN CABINETS
• NEWLY REMODELED FULL BATHROOM
• HARDWOOD FLOORS REFINISHED
• LAUNDRY AREA WITH HOOKUPS
• FOUR PARKING SPACES

🏷️ Possibly a rental listed for sale. The $66,500 price doesn't fit this home's estimated sale value (~$116,687) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $66k.

Deal economics

• At list price, monthly cash flow is $283 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($882 rent vs $66k).
• Recommended offer: $59k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 64/100 on livability (#737 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, schools D, crime F.
• Norwood-Norfolk Central School District (rural): math 30% / reading 36% proficiency, ranked #568 of 590 in NY (top 96%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 30 active listings in the ZIP; 215 units permitted in St. Lawrence County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $341 of equity ($460 loan paydown + $-119 appreciation (-0.2% local appreciation)).
• St. Lawrence County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-0.2% appreciation + 3.0% rent growth), your $19k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 418 days — a 12% lower offer ($59k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y ago; this cycle's ask has dropped $72k (52%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $32k; list at $66k implies a 105% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk — expect insurance premiums to compound above CPI over the hold.

Recommended offer $58,520 (12.0% below list)

Questions for the listing agent

1. It's been on market 418 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 1940 — 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: 1.33% ✓
• Cap rate: 11.41%
• Cash-on-cash: 18.27%
• DSCR: 1.81
• GRM: 6.3

CMA / ARV

• ARV (median comp): $116,687
• List price: $66,500
• Delta: -43.01%
• Verdict: UNDERPRICED
• Comps: 1 within 2.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
18 Hepburn St	0.22mi	2/1.0	900 (+11%)	9mo	$69,000	$77	64

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

Projected returns pro-forma

-0.18% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.5%
• Equity multiple: 1.83×
• Total profit: $15,537
• Equity at exit: $18,719

10-year hold

• IRR: 22.1%
• Equity multiple: 3.41×
• Total profit: $44,816
• Equity at exit: $22,035

Cash invested: $18,620 (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 13667

• Home prices YoY: -0.1%
• Active inventory: 30
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $882 medium
• Mortgage (P&I): −$349
• Tax from tax record: −$37 /mo · $447/yr
• Insurance: −$28
• HOA: −$0
• Vacancy / Maint / Mgmt: −$185
• Net cashflow: $283

Break-even live

Break-even rent $524

Max offer price $66,500

Occupancy floor 63%

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: $16,625
• Closing costs: $1,995
• Reserves months: —
• Total cash needed: —

Listing history 35 events

1. 2026-06-18
   days on market $66,500 Active 418 DOM
2. 2026-06-17
   days on market $66,500 Active 417 DOM
3. 2026-06-17
   price $66,500 Active 416 DOM
4. 2026-06-16
   days on market $74,000 Active 416 DOM
5. 2026-06-15
   days on market $74,000 Active 415 DOM
6. 2026-06-13
   days on market $74,000 Active 413 DOM
7. 2026-06-12
   days on market $74,000 Active 412 DOM
8. 2026-06-09
   days on market $74,000 Active 409 DOM
9. 2026-06-08
   days on market $74,000 Active 408 DOM
10. 2026-06-07
    days on market $74,000 Active 407 DOM
11. 2026-06-07
    days on market $74,000 Active 406 DOM
12. 2026-06-04
    days on market $74,000 Active 403 DOM
13. 2026-06-02
    days on market $74,000 Active 402 DOM
14. 2026-06-01
    days on market $74,000 Active 401 DOM
15. 2026-05-31
    days on market $74,000 Active 400 DOM
16. 2026-04-16
    price $74,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

17. 2026-02-25
    price $79,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

18. 2025-11-03
    price $84,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

19. 2025-10-06
    price $89,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

20. 2025-09-17
    status Active 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

21. 2025-09-09
    status Pending 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

22. 2025-07-25
    price $99,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

23. 2025-07-11
    price $109,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

24. 2025-06-18
    price $114,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

25. 2025-05-29
    price $119,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

26. 2025-05-15
    price $129,000 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

27. 2025-05-12
    status Active 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

28. 2025-04-28
    status Pending 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

29. 2025-04-04
    listed $139,000 Active 1021-char remark

    Show marketing remark (1021 chars)

    Looking for the perfect investment opportunity? Look no further- this property has two separate rental properties located in Norfolk, NY, including two two-bedroom units and a three-bedroom unit. Unit 1 features 2 bedrooms and 1 bathroom, new laminate flooring throughout, spacious bedrooms, a mudroom, and a washer and dryer. All apartments have separate electric, water, and gas meters. Unit 2 features 2 bedrooms and 1 bath, new laminate flooring throughout, new kitchen cabinets, countertops, Rinnai gas heater, as well as a newly remodeled full bathroom and a stackable washer and dryer. Unit 3 is equipped with 3 bedrooms, a newly remodeled 1 and 1/2-bathroom, new laminate flooring throughout, and the hardwood floors have all been refinished. Additionally, this unit is equipped with a laundry area with hookups for a washer & dryer. For convenience and functionality, this property offers 4 parking spaces for tenant parking! Call for a showing of this incredible investment opportunity before it is gone!

30. 2024-05-01
    soldstatus $32,500 Closed 248-char remark

    Show marketing remark (248 chars)

    Great investment opportunity in this duplex! Both units have been renovated in this unit. Downstairs unit is a 2 bedroom and a one and a half bath. Upstairs unit is a two bedroom, one bathroom. Located close to all the village amenities of Norfolk.

31. 2024-05-01
    soldstatus $32,500 Closed

    Show marketing remark (248 chars)

    Great investment opportunity in this duplex! Both units have been renovated in this unit. Downstairs unit is a 2 bedroom and a one and a half bath. Upstairs unit is a two bedroom, one bathroom. Located close to all the village amenities of Norfolk.

32. 2024-02-14
    status Pending

    Show marketing remark (248 chars)

    Great investment opportunity in this duplex! Both units have been renovated in this unit. Downstairs unit is a 2 bedroom and a one and a half bath. Upstairs unit is a two bedroom, one bathroom. Located close to all the village amenities of Norfolk.

33. 2024-02-14
    status Pending 248-char remark

    Show marketing remark (248 chars)

    Great investment opportunity in this duplex! Both units have been renovated in this unit. Downstairs unit is a 2 bedroom and a one and a half bath. Upstairs unit is a two bedroom, one bathroom. Located close to all the village amenities of Norfolk.

34. 2023-10-16
    listed $34,999 Active
35. 2023-10-14
    listed $59,999 Active 248-char remark

    Show marketing remark (248 chars)

    Great investment opportunity in this duplex! Both units have been renovated in this unit. Downstairs unit is a 2 bedroom and a one and a half bath. Upstairs unit is a two bedroom, one bathroom. Located close to all the village amenities of Norfolk.

ⓘ 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: $447 · $37/mo
• Projected year-2 tax: $785 · $65/mo
• Expected delta: +$339/yr (+$28/mo · 75.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X · 66% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥93°F today · 15 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: $10,589
• − Mortgage interest: −$3,725
• − Property taxes: −$447
• − Insurance: −$332
• − Repairs & maintenance: −$847
• − Management: −$847
• − Depreciation: −$1,935
• Taxable income: $2,456
• Est. tax owed @ 24.0%: −$589
• After-tax cash flow: $2,812/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: Norwood-Norfolk Central School District
• NCES district ID: 3621360
• Math proficiency: 30% ▼ -8.00%
• Reading proficiency: 36% ▼ -4.00%
• Median HH income: $43,492
• Composite: 28.05/100
• National rank: #6841
• State rank: #568 of 590 in NY

Livability — Norfolk

• Score: 64/100
• State rank: #737
• US rank: #14031

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Norfolk, NY
• Population (ZIP): 3,460

Population outlook (St. Lawrence County) Hauer SSP2

• Today (2025): 110,027 people
• By 2030: 107,455 · -2.3%
• By 2040: 100,492 · -8.7%
• By 2050: 94,254 · -14.3%
• By 2075: 80,175 · -27.1%
• By 2100: 63,140 · -42.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Native American 2%
• Common ancestry: Lithuanian 12% Serbian 3% Slovak 1%
• Foreign-born: 1% · Canada
• Languages at home: 99% English-only · German/W. Germanic 1%

Political lean MEDSL · St. Lawrence

• 2024 margin: R (+18.0) · D 41.0% · R 59.0%
• 2008→2024 swing: -34.3pp toward R · 2008: 16.3pp · 2024: -18.0pp
• All cycles: 2024: R+18.0 2020: R+11.7 2016: R+10.8 2012: D+16.6 2008: D+16.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.18%
• Current HPI: 268.2319
• 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

+23.3% since first listed

20 events — show timeline

• 2026-04-16 Price Changed $74,000 SLCMLS
• 2026-02-25 Price Changed $79,000 SLCMLS
• 2025-11-03 Price Changed $84,000 SLCMLS
• 2025-10-06 Price Changed $89,000 SLCMLS
• 2025-09-17 Relisted — SLCMLS
• 2025-09-09 Pending — SLCMLS
• 2025-07-25 Price Changed $99,000 SLCMLS
• 2025-07-11 Price Changed $109,000 SLCMLS
• 2025-06-18 Price Changed $114,000 SLCMLS
• 2025-05-29 Price Changed $119,000 SLCMLS
• 2025-05-15 Price Changed $129,000 SLCMLS
• 2025-05-12 Relisted — SLCMLS
• 2025-04-28 Pending — SLCMLS
• 2025-04-04 Listed $139,000 SLCMLS
• 2024-05-01 Sold (MLS) $32,500 ACVMLS
• 2024-05-01 Sold (MLS) $32,500 ACVMLS
• 2024-02-14 Pending — ACVMLS
• 2024-02-14 Pending — ACVMLS
• 2023-10-16 Listed $34,999 ACVMLS
• 2023-10-14 Listed $59,999 ACVMLS

Property tax history

+0.2%/yr

Latest (2025): $447 · -58.4% YoY. Source: county tax records.