110 Newland Ave · Jamestown, NY 14701

$69,900

3 bd · 1.0 ba · 1,260 sqft · SingleFamily public records · 8 Days on market

Built 1885 2,271 sqft lot Est $73k · at est.

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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 +9.5/15.0
• Livability +3.5/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Large single family within close proximity to all Foote Ave offers with shopping restaurants and Allen park. Updates include fresh paint, vinyl flooring. Currently being used as a rental property with income of $950 per month. Owner says its time to retire. .. bring offers!

Key facts

• 2,271 sq ft lot
• Built 1885
• Listed 7 days

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water connected; Sewer connected
• Home design: 2 stories; Existing/resale property
• Construction: Composite siding; Stone foundation
• Exterior features: Concrete driveway; Irregular lot (approx. 29 x 78)

Interior

• Kitchen: Appliances negotiable; Gas water heater
• Bedrooms: 7 total rooms (includes bedrooms and living spaces)
• Flooring: Carpet; Vinyl; Varies
• Bathrooms: 1 full bathroom
• Heating & cooling: Gas forced-air heating
• Interior features: Separate/formal dining room; Full basement
• Laundry & utility: Laundry in basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $70k.

Deal economics

• At list price, monthly cash flow is $477 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $70k).

Location & tenants

• Location reads 69/100 on livability (#470 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, amenities D, crime F.
• Jamestown City School District (town): math 33% / reading 42% proficiency, ranked #553 of 590 in NY (top 94%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 315 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 127 units permitted in Chautauqua County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $483 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Chautauqua County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $8k; list at $70k implies a 783% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1885 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $69,900

Questions for the listing agent

1. Built in 1885 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.75% ✓
• Cap rate: 14.48%
• Cash-on-cash: 29.23%
• DSCR: 2.30
• GRM: 4.8

CMA / ARV

• ARV (on-the-fly): $73,080
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
307 Newland Ave	0.15mi	3/1.0	1,334 (+6%)	3mo	$50,000	$37	81
22 Linwood Ave	0.18mi	3/2.0	1,337 (+6%)	3mo	$90,000	$67	75
9 Myers Ave	0.48mi	3/1.0	1,290 (+2%)	3mo	$35,000	$27	71
214 Hazzard St	0.06mi	4/1.5 (+1)	1,434 (+14%)	5mo	$83,000	$58	63
117 Camp St	0.37mi	3/1.5	1,392 (+10%)	2mo	$115,000	$83	62
306 Charles St	0.61mi	3/1.0	1,320 (+5%)	5mo	$75,000	$57	59
513 Prospect St	0.45mi	2/2.0 (-1)	1,176 (-7%)	4mo	$100,000	$85	55
91 Linwood Ave	0.32mi	2/1.5 (-1)	1,086 (-14%)	1mo	$14,500	$13	55
128 Howard St	0.46mi	2/1.0 (-1)	1,404 (+11%)	1mo	$38,000	$27	54
101 E Virginia Blvd	0.47mi	3/1.5	1,412 (+12%)	6mo	$191,250	$135	50
9 Stearns Ave	0.57mi	3/1.5	1,443 (+14%)	3mo	$13,500	$9	45
137 Midgley St	0.72mi	3/1.5	1,380 (+10%)	7mo	$154,900	$112	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.7%
• Equity multiple: 1.97×
• Total profit: $19,062
• Equity at exit: $10,422

10-year hold

• IRR: 31.6%
• Equity multiple: 3.85×
• Total profit: $55,786
• Equity at exit: $6,044

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 14701

• Home prices YoY: -18.5%
• Active inventory: 315
• Price-to-rent: 4.8×

Monthly cashflow live

• Estimated rent: $1,220 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$91 /mo · $1,096/yr
• Insurance: −$29
• HOA: −$0
• Vacancy / Maint / Mgmt: −$256
• Net cashflow: $477

Break-even live

Break-even rent $617

Max offer price $69,900

Occupancy floor 56%

Sensitivity live

Price	-10% $516	-5% $497	+0% $477	+5% $457	+10% $437
Rent	-10% $380	-5% $429	+0% $477	+5% $525	+10% $573
Rate	-1.0pp $512	-0.5pp $495	base $477	+0.5pp $459	+1.0pp $440

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: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
148 Maple St Jamestown, NY	3.0	1.0	1424	$1,350	$0.95	45d	1	0.23mi
21 Spring St Jamestown, NY	2.0	1.0	1000	$1,000	$1.00	45d	1	1.46mi

Listing history 8 events

1. 2026-06-21
   days on market $69,900 Active 8 DOM
2. 2026-06-19
   days on market $69,900 Active 6 DOM
3. 2026-06-18
   days on market $69,900 Active 5 DOM
4. 2026-06-17
   days on market $69,900 Active 4 DOM
5. 2026-06-16
   days on market $69,900 Active 3 DOM
6. 2026-06-15
   days on market $69,900 Active 2 DOM
7. 2026-06-14
   remarks 274-char remark
8. 2026-06-14
   listed $69,900 Active 1 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: $1,096 · $91/mo
• Projected year-2 tax: $1,139 · $95/mo
• Expected delta: +$42/yr (+$4/mo · 3.9%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 17 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,641
• − Mortgage interest: −$3,915
• − Property taxes: −$1,096
• − Insurance: −$350
• − Repairs & maintenance: −$1,171
• − Management: −$1,171
• − Depreciation: −$2,033
• Taxable income: $4,903
• Est. tax owed @ 24.0%: −$1,177
• After-tax cash flow: $4,545/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: Jamestown City School District
• NCES district ID: 3615630
• Math proficiency: 33% ▼ -3.00%
• Reading proficiency: 42% ▲ 5.00%
• Median HH income: $32,240
• Composite: 30.69/100
• National rank: #6176
• State rank: #553 of 590 in NY

Livability — Jamestown

• Score: 69/100
• State rank: #470
• US rank: #8213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jamestown, NY
• County: Chautauqua County · 38,461 people
• City population: 38,461
• Metro: Jamestown-Dunkirk-Fredonia, NY
• Population (ZIP): 38,461
• Household income: $49,685
• Rent vs Own: 42.8% rent · 57.2% own
• Severe rent burden: 1838.0

Population outlook (Chautauqua County) Hauer SSP2

• Today (2025): 123,454 people
• By 2030: 118,509 · -4.0%
• By 2040: 107,311 · -13.1%
• By 2050: 96,703 · -21.7%
• By 2075: 76,757 · -37.8%
• By 2100: 60,984 · -50.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 11% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 8%
• Common ancestry: Romanian 6% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 92% English-only · Spanish 6% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Chautauqua

• 2024 margin: Strong R (+22.0) · D 39.0% · R 61.0%
• 2008→2024 swing: -22.9pp toward R · 2008: 0.9pp · 2024: -22.0pp
• All cycles: 2024: R+22.0 2020: R+19.8 2016: R+24.6 2012: R+8.2 2008: D+0.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.93%
• Current HPI: 259.402
• Rent YoY: —
• Metro: Jamestown-Dunkirk-Fredonia, 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

+284.2% since first listed

3 events — show timeline

• 2026-06-13 Listed $69,900 UNYREIS
• 2008-12-26 Sold (Public Records) $7,918 Public Records
• 2003-06-26 Sold (Public Records) $18,194 Public Records

Property tax history

-4.2%/yr

Latest (2025): $1,096 · +4.8% YoY. Source: county tax records.