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805 Pine Street St
B+ Composite 76.01
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 +28.1/30.0
  • ARV discount +15.0/15.0
  • DSCR +10.0/10.0
  • 1% rule +7.7/10.0
  • Schools +5.1/10.0
  • Rent growth +4.3/5.0
  • Livability +3.5/5.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$112,000

805 Pine Street St · Endicott, NY 13760
3 bd · 1.5 ba · 1,056 sqft · SingleFamily public records · 87 Days on market
Built 1930 Fair condition 6,534 sqft lot Garage $106/sqft · 32% below area Est $165k · 32% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Cozy 2 bedroom 1 bath home. There is a bonus room in one of the bedrooms that can be turned into a 2nd bath to have an on suite. Large yard with plenty of space for gardening.

Key facts

  • New furnace
  • Spacious backyard
  • Breaker box updated

Tags

SINGLE FLOOR LIVINGSPACIOUS BACKYARDFRONT PORCHGREAT VIEW OF THE VALLEYNEW FURNACEBREAKER BOX UPDATED

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/1.5-bath single-family listed at $112k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $353 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $112k).
  • Recommended offer: $105k (6.0% below list) — sets the bar for market timing.
  • Cap rate 10.1% vs local median 5.0% in Endicott — 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 70/100 on livability (#438 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities D, crime F, commute F.
  • Union-Endicott Central School District (suburban): math 43% / reading 57% proficiency, ranked #387 of 590 in NY (top 66%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Charles F Johnson Jr Elementary School (math 17% / reading 27%, grade F, #1,923 of 2,108 statewide, top 92%, 387 students, 66% FRL); Jennie F Snapp Middle School (math 31% / reading 51%, grade F, #402 of 729 statewide, top 56%, 822 students, 65% FRL); Union-Endicott High School (math 91% / reading 90%, grade A+, #231 of 1,100 statewide, top 21%, 999 students, 41% FRL) — zoned schools average 57% FRL vs 42% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising fast (+7.1%/yr); 282 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals lingering (median 93d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 340 units permitted in Broome County in 2024 (269 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $774 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Broome County population projected at -13% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-3.0% appreciation + 7.1% rent growth), your $31k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 87 days — a 6% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts since 4y ago; this cycle's ask has dropped $13k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $77k; 45% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $105,280 (6.0% below list)

Questions for the listing agent

  1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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 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?
  7. 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?
  8. 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.
  9. 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.
  10. 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
1.27%
Cap rate
10.08%
Cash-on-cash
13.51%
DSCR
1.60
GRM
6.5

CMA / ARV

ARV (median comp)
$164,530
List price
$112,000
Delta
-31.93%
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
310 N Mckinley Ave 0.47mi 3/1.0 1,056 (0%) 3mo $175,000 $166 74
200 Bermond Ave 0.27mi 3/1.0 1,104 (+4%) 12mo $160,000 $145 67
326 Squires Ave 0.37mi 2/1.0 (-1) 1,078 (+2%) 7mo $140,000 $130 67
223 Jamaica Blvd 0.22mi 3/1.0 1,176 (+11%) 4mo $215,000 $183 65
125 Bermond Ave 0.29mi 3/1.5 1,144 (+8%) 13mo $135,000 $118 62
510 Squires Ave 0.38mi 3/1.0 1,174 (+11%) 0mo $140,000 $119 61
309 Squires Ave 0.36mi 3/1.5 1,144 (+8%) 10mo $105,000 $92 61
1202 Syracuse St St 0.56mi 4/1.0 (+1) 1,024 (-3%) 3mo $163,000 $159 59
331 N Arthur Ave 0.62mi 3/2.0 1,030 (-2%) 9mo $200,000 $194 57
121 N Mckinley Ave 0.54mi 2/1.5 (-1) 988 (-6%) 8mo $135,000 $137 53
3 Governeurs Ln 0.51mi 2/1.5 (-1) 1,204 (+14%) 1mo $260,000 $216 47
938 Squires Ave 0.75mi 3/1.5 1,142 (+8%) 11mo $120,000 $105 42

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 · 7.09% rent growth · sell at horizon

5-year hold
IRR
8.1%
Equity multiple
1.33×
Total profit
$10,467
Equity at exit
$16,700
10-year hold
IRR
20.6%
Equity multiple
3.09×
Total profit
$65,432
Equity at exit
$9,684

Cash invested: $31,360 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
5 active · 10 under contract
Months of supply
3.0 mo (33%/mo absorbed)
Median asking
$159,900 ($136/sqft)
Median days on market
80 d
This list price
lowest-priced of the active set
ARV vs active asking
+14.2% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 13760

Home prices YoY
-32.7%
Rents YoY
7.1%
Active inventory
282
Price-to-rent
6.5×

Monthly cashflow live

Estimated rent
$1,426 high interval (Pro) →
Mortgage (P&I)
$587
Tax from tax record
$139 /mo · $1,673/yr
Insurance
$47
HOA
$0
Vacancy / Maint / Mgmt
$299
Net cashflow
$353

Break-even live

Break-even rent $979
Max offer price $112,000
Occupancy floor 70%

Sensitivity live

Price -10% $416 -5% $385 +0% $353 +5% $321 +10% $290
Rent -10% $240 -5% $297 +0% $353 +5% $409 +10% $466
Rate -1.0pp $409 -0.5pp $382 base $353 +0.5pp $324 +1.0pp $294

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
$28,000
Closing costs
$3,360
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 21 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1211 Pine St #1 Endicott, NY 3.0 1.0 952 $1,400 $1.47 93d 1 0.28mi
507 Hill Ave Unit 1 Endicott, NY 2.0 1.0 1072 $1,450 $1.35 93d 1 0.29mi
317 Rogers Ave Unit 2 Endicott, NY 3.0 1.0 1000 $1,300 $1.30 70d 1 0.40mi
317 Rogers Ave Endicott, NY 2.0 1.0 900 $1,300 $1.44 70d 1 0.40mi
124 Squires Ave Unit 2 Endicott, NY 2.0 1.0 750 $1,100 $1.47 93d 1 0.47mi
204 Rogers Ave Endicott, NY 2.0 1.5 1456 $2,000 $1.37 70d 1 0.49mi
112 N Roosevelt Ave Endicott, NY 3.0 2.0 1299 $1,850 $1.42 93d 1 0.62mi
916 Irving Ave Unit 1 Endicott, NY 2.0 1.0 1200 $1,500 $1.25 70d 1 0.64mi
107 N Jackson Ave Apt 2 Endicott, NY 2.0 1.0 950 $1,350 $1.42 93d 1 0.76mi
800 North St Unit 1 Endicott, NY 3.0 1.0 800 $1,300 $1.62 93d 1 0.82mi
53 Washington Ave Unit 2 Endicott, NY 2.0 1.0 1180 $1,300 $1.10 70d 1 0.89mi
106 Madison Ave Unit 1 Endicott, NY 3.0 1.0 1050 $1,500 $1.43 93d 1 0.94mi
804 Broad St Unit 2 Endicott, NY 3.0 1.0 975 $1,500 $1.54 93d 1 1.02mi
5 Colorado Ave Unit 2 Endicott, NY 2.0 1.0 750 $1,200 $1.60 93d 1 1.09mi
5 Colorado Ave Unit 1 Endicott, NY 2.0 1.0 750 $1,300 $1.73 93d 1 1.09mi
305 Adams Ave Endicott, NY 3.0 1.0 800 $1,450 $1.81 70d 1 1.15mi
1901 Tracy St Fl Ea Endicott, NY 2.0 1.0 986 $1,200 $1.22 70d 1 1.21mi
2007 Tracy St Unit 1st Floor Endicott, NY 2.0 1.0 819 $1,250 $1.53 93d 1 1.23mi
2602 North St Unit 3W Endicott, NY 2.0 1.0 900 $1,100 $1.22 70d 1 1.26mi
1807 Riverview Dr #1 Endicott, NY 3.0 1.5 1266 $1,800 $1.42 70d 1 1.34mi
207 S Loder Ave Unit D-15 Endicott, NY 2.0 1.0 700 $925 $1.32 70d 1 1.34mi

Property features AI

Exterior

Parking
Detached garage (1 car)
Utilities
Public waterPublic sewer
Home design
Residential single-family home
Construction
Stucco exteriorBuilt-up area above grade approximately 1,050Partial basement / crawl space
Exterior features
Enclosed porchPorchShed(s)Level lotLot dimensions approximately 158 x 41

Interior

Kitchen
RangeFree-standing rangeRefrigeratorGas water heater
Bedrooms
Total of 7 rooms (includes bedrooms and living spaces)
Flooring
HardwoodLaminate
Bathrooms
1 full bathroom
Heating & cooling
Natural gas forced-air heatingCeiling fan(s) for cooling
Interior features
Storm windowsCrawl space/partial basement
Laundry & utility
WasherDryerElectric dryer hookupGas dryer hookup

Listing history 50 events

  1. 2026-08-08
    days on market $112,000 Active 87 DOM
  2. 2026-08-07
    days on market $112,000 Active 86 DOM
  3. 2026-08-06
    days on market $112,000 Active 85 DOM
  4. 2026-08-05
    days on market $112,000 Active 84 DOM
  5. 2026-08-04
    days on market $112,000 Active 83 DOM
  6. 2026-08-03
    days on market $112,000 Active 82 DOM
  7. 2026-07-31
    days on market $112,000 Active 79 DOM
  8. 2026-07-30
    days on market $112,000 Active 78 DOM
  9. 2026-07-29
    days on market $112,000 Active 77 DOM
  10. 2026-07-27
    days on market $112,000 Active 75 DOM
  11. 2026-07-25
    days on market $112,000 Active 73 DOM
  12. 2026-07-24
    days on market $112,000 Active 72 DOM
  13. 2026-07-23
    days on market $112,000 Active 71 DOM
  14. 2026-07-22
    days on market $112,000 Active 70 DOM
  15. 2026-07-21
    days on market $112,000 Active 69 DOM
  16. 2026-07-18
    days on market $112,000 Active 66 DOM
  17. 2026-07-16
    days on market $112,000 Active 64 DOM
  18. 2026-07-16
    days on market $112,000 Active 63 DOM
  19. 2026-07-14
    days on market $112,000 Active 62 DOM
  20. 2026-07-13
    days on market $112,000 Active 61 DOM
  21. 2026-07-12
    days on market $112,000 Active 60 DOM
  22. 2026-07-11
    days on market $112,000 Active 59 DOM
  23. 2026-07-10
    days on market $112,000 Active 58 DOM
  24. 2026-07-09
    days on market $112,000 Active 57 DOM
  25. 2026-07-08
    days on market $112,000 Active 56 DOM
  26. 2026-07-07
    days on market $112,000 Active 55 DOM
  27. 2026-07-06
    days on market $112,000 Active 54 DOM
  28. 2026-07-06
    price $112,000 Active 53 DOM
  29. 2026-07-05
    days on market $115,000 Active 53 DOM
  30. 2026-07-04
    days on market $115,000 Active 52 DOM
  31. 2026-07-03
    days on market $115,000 Active 51 DOM
  32. 2026-07-02
    days on market $115,000 Active 50 DOM
  33. 2026-07-01
    days on market $115,000 Active 49 DOM
  34. 2026-06-30
    days on market $115,000 Active 48 DOM
  35. 2026-06-29
    days on market $115,000 Active 47 DOM
  36. 2026-06-28
    days on market $115,000 Active 46 DOM
  37. 2026-06-28
    days on market $115,000 Active 45 DOM
  38. 2026-06-27
    days on market $115,000 Active 44 DOM
  39. 2026-06-25
    days on market $115,000 Active 42 DOM
  40. 2026-06-23
    days on market $115,000 Active 40 DOM
  41. 2026-06-22
    days on market $115,000 Active 39 DOM
  42. 2026-06-19
    days on market $115,000 Active 37 DOM
  43. 2026-06-18
    days on market $115,000 Active 36 DOM
  44. 2026-06-17
    days on market $115,000 Active 35 DOM
  45. 2026-06-16
    days on market $115,000 Active 34 DOM
  46. 2026-06-15
    days on market $115,000 Active 33 DOM
  47. 2026-06-14
    days on market $115,000 Active 31 DOM
  48. 2026-06-13
    days on market $115,000 Active 30 DOM
  49. 2026-06-10
    days on market $115,000 Active 28 DOM
  50. 2026-06-09
    pricedays on market $115,000 Active 27 DOM

ⓘ 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
$1,673 · $139/mo
Projected year-2 tax
$1,783 · $149/mo
Expected delta
+$110/yr (+$9/mo · 6.6%)

ⓘ 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 3/10 Moderate
  • 🌡 Heat 3/10 Moderate 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 2% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$17,111
− Mortgage interest
−$6,274
− Property taxes
−$1,673
− Insurance
−$560
− Repairs & maintenance
−$1,369
− Management
−$1,369
− Depreciation
−$3,258
Taxable income
$2,608
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$626
After-tax cash flow
$3,611/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.

Condition & rehab AI · 9 photos

Fair 45/100 Moderate rehab Est. rehab $26,400–$47,520 screening

This home requires moderate renovations to improve its condition and appearance, with a focus on the kitchen, exterior, and interior walls. These updates will significantly enhance its resale and rental value.

Components & finishes AI

Roof asphalt shingle · good

Deferred maintenance Est. $50,500–$152,000 screening

  • Minor Roof (roof) — No visible signs of damage or wear
  • Major Windows (windows) — Windows appear to be old and possibly not sealed properly
  • Major Electrical (electrical) — Electrical panel appears old and possibly not up to code
  • Major Plumbing (plumbing) — Plumbing fixtures appear old and possibly not up to code
  • Major Exterior (exterior) — Exterior walls appear to be in poor condition with visible damage and peeling paint
  • Major Other — Other components such as doors and trim appear old and possibly not up to code

Repairs flagged

  • Minor Kitchen countertops — Cluttered countertops indicate a need for organization and cleaning.
  • Major Shower curtain — Dirty and tattered shower curtain indicates a need for replacement.
  • Moderate Exterior walls — Stained and worn exterior walls indicate a need for cleaning and possibly repainting.
  • Moderate Flooring — Worn carpet indicates a need for replacement or cleaning.
  • Moderate Interior walls — Worn interior walls indicate a need for repainting or touch-up.

Value-add opportunities

  • Resale Organize kitchen countertops — A clutter-free kitchen is more appealing to potential buyers.
  • Resale Replace shower curtain — A clean and updated shower curtain enhances the home's appearance.
  • Both Clean and possibly repaint exterior walls — A clean and updated exterior enhances curb appeal and can increase both resale and rental value.
  • Both Replace or clean carpet — A clean or new carpet can significantly improve the home's appearance and increase both resale and rental value.
  • Both Repaint interior walls — Fresh paint can make the interior look more inviting and can increase both resale and rental value.

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 51/100

Zoned Schools

Elementary Charles F Johnson Jr Elementary School F NY #1,923/2,108 Nat'l #32,000/41,679 Middle Jennie F Snapp Middle School F NY #402/729 Nat'l #5,727/14,009 High Union-Endicott High School A+ NY #231/1,100 Nat'l #375/17,239

Schools (NCES district)

District
Union-Endicott Central School District
NCES district ID
3610710
Math proficiency
43% ▼ -9.00%
Reading proficiency
57% ▲ 11.00%
Median HH income
$49,265
Composite
42.66/100
National rank
#3176
State rank
#387 of 590 in NY
B Composite livability gradescore 70/100

Livability — Endicott

Score
70/100
State rank
#438
US rank
#7657

Category grades

Amenities D Commute F 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
Endicott, NY
County
Broome County · 187,989 people
City population
42,896
Metro
Binghamton, NY
Population (ZIP)
42,896
Household income
$66,095
Rent vs Own
35.0% rent · 65.0% own
Severe rent burden
8% of renters

Population outlook (Broome County) Hauer SSP2

Today (2025)
187,989 people
By 2030
183,066 · -2.6%
By 2040
172,228 · -8.4%
By 2050
163,161 · -13.2%
By 2075
153,641 · -18.3%
By 2100
140,851 · -25.1%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (84%)
Race & ethnicity
White 84% Two or more races 7% Hispanic / Latino 6% Black 4% Asian 2%
Hispanic origin (detail)
Puerto Rican 2%
Common ancestry
Romanian 6% Lithuanian 2% Slovak 2%
Foreign-born
5% · Canada, China
Languages at home
94% English-only · Spanish 2% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Broome

2024 margin
Toss-up / Even · D 50.2% · R 49.8%
2008→2024 swing
-7.6pp toward R · 2008: 8.0pp · 2024: 0.4pp
All cycles
2024: D+0.4 2020: D+3.5 2016: R+3.7 2012: D+4.6 2008: D+8.0

Not yet ingested

Civics

Price history

+303.5% since first listed
9 events — show timeline
  • 2026-06-09 Price Changed $115,000 GBAOR
  • 2026-05-25 Price Changed $118,000 GBAOR
  • 2026-05-13 Listed $125,000 GBAOR
  • 2023-02-15 Sold (Public Records) $77,300 Public Records
  • 2023-01-12 Sold (MLS) $77,300 GBAOR
  • 2022-11-29 Pending GBAOR
  • 2022-10-24 Listed $82,000 GBAOR
  • 2011-01-10 Sold (Public Records) $35,000 Public Records
  • 1998-06-08 Sold (Public Records) $28,500 Public Records

Property tax history

+8.6%/yr

Latest (2025): $1,673 · +3.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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