14 SE Mountain Rd · Wingdale, NY 12594

$175,000

3 bd · 1.0 ba · 1,092 sqft · SingleFamily public records · 407 Days on market

Built 1920 0.50 ac lot $160/sqft · 49% below area Est $343k · 49% under

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Why this score? — see what drove the D 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).

• ARV discount +15.0/15.0
• Cash flow +7.3/30.0
• Appreciation +4.9/10.0
• Schools +4.0/10.0
• 1% rule +2.7/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.5/10.0

Listing remarks MLS

RARE FIND !! FULLY DETACTED 3 BR / 1 BTH / SPLIT LEVEL SINGLE FAMILY HOUSE W UNFIN. BSMT & FULL REAR DECK W LARGE WRAP AROUND BACK YARD LOCATED IN THE HEART OF PEACE AND TRANQILITY OF WINGDALE.. Featurning 3 BR's + WALK IN LARGE PANTRY ( 1st Floor Walk In Bedroom) Living Room, Kitchen, Basement, Large Back & Side Yard. Septic Tank for plumbing and Underground Oil Tank For Heating (SELLER NOT BRINGING ABOVE GROUND). Neighboring Horse Ranch and Houstotanic River complete this Serene Home. Close To Shops, Eateries, Schools, Train and Highway. Home Is Being Sold IN "AS IS' Condition. Home Needs Rubish Removal, Cosmetic Reno and Lawn Care... LOW TAXES.. THIS IS THE ONE YOU HAV E BEEN WAITING FOR... Don't Let This One Get Away. Call Now!!

Key facts

• Underground oil tank
• Fully detached
• Septic tank

Tags

• FULLY DETACHED
• SPLIT LEVEL
• LARGE BACK YARD
• LARGE SIDE YARD
• SEPTIC TANK
• UNDERGROUND OIL TANK

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $-233 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $134k (23.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $135k (22.6% below list).
• Recommended offer: $134k (23.6% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Dover Union Free School District (rural): math 44% / reading 48% proficiency, ranked #433 of 590 in NY (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 15 active listings in the ZIP; 620 units permitted in Dutchess County in 2024 (242 in 5+ unit buildings).

Forward outlook

• In year one you build about $957 of equity ($1k loan paydown + $-253 appreciation (-0.1% local appreciation)).
• Dutchess County population projected at -11% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 407 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $24k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $132k; 32% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1920 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $133,767 (23.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 407 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
3. Built in 1920 — 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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.77% ✗
• Cap rate: 4.69%
• Cash-on-cash: -5.72%
• DSCR: 0.75
• GRM: 10.8

CMA / ARV

• ARV (median comp): $343,175
• List price: $175,000
• Delta: -49.01%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
30 Lake Ellis Rd	0.14mi	3/1.5	1,135 (+4%)	10mo	$315,000	$278	76
152 Weil Rd	0.47mi	2/1.0 (-1)	1,237 (+13%)	17mo	$365,000	$295	36

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

Projected returns pro-forma

-0.14% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -9.3%
• Equity multiple: 0.57×
• Total profit: $-21,095
• Equity at exit: $49,551

10-year hold

• IRR: -3.0%
• Equity multiple: 0.68×
• Total profit: $-15,568
• Equity at exit: $58,564

Cash invested: $49,000 (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 12594

• Home prices YoY: -0.1%
• Active inventory: 15
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,354 medium
• Mortgage (P&I): −$918
• Tax from tax record: −$312 /mo · $3,750/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $-233

Break-even live

Break-even rent $1,650

Max offer price $133,767

Occupancy floor —

Sensitivity live

Price	-10% $-134	-5% $-184	+0% $-233	+5% $-283	+10% $-332
Rent	-10% $-340	-5% $-287	+0% $-233	+5% $-180	+10% $-126
Rate	-1.0pp $-145	-0.5pp $-189	base $-233	+0.5pp $-279	+1.0pp $-325

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Listing history 28 events

1. 2026-06-21
   days on market $175,000 Active 407 DOM
2. 2026-06-18
   days on market $175,000 Active 405 DOM
3. 2026-06-17
   days on market $175,000 Active 404 DOM
4. 2026-06-16
   days on market $175,000 Active 403 DOM
5. 2026-06-15
   days on market $175,000 Active 402 DOM
6. 2026-06-13
   days on market $175,000 Active 400 DOM
7. 2026-06-12
   days on market $175,000 Active 399 DOM
8. 2026-06-09
   days on market $175,000 Active 396 DOM
9. 2026-06-08
   days on market $175,000 Active 395 DOM
10. 2026-06-07
    days on market $175,000 Active 394 DOM
11. 2026-06-07
    days on market $175,000 Active 393 DOM
12. 2026-06-04
    days on market $175,000 Active 390 DOM
13. 2026-06-02
    days on market $175,000 Active 389 DOM
14. 2026-06-01
    days on market $175,000 Active 388 DOM
15. 2026-05-31
    days on market $175,000 Active 387 DOM
16. 2026-02-25
    price $175,000 757-char remark

    Show marketing remark (757 chars)

    RARE FIND !! FULLY DETACTED 3 BR / 1 BTH / SPLIT LEVEL SINGLE FAMILY HOUSE W UNFIN. BSMT & FULL REAR DECK W LARGE WRAP AROUND BACK YARD LOCATED IN THE HEART OF PEACE AND TRANQILITY OF WINGDALE.. Featurning 3 BR's + WALK IN LARGE PANTRY ( 1st Floor Walk In Bedroom) Living Room, Kitchen, Basement, Large Back & Side Yard. Septic Tank for plumbing and Underground Oil Tank For Heating (SELLER NOT BRINGING ABOVE GROUND). Neighboring Horse Ranch and Houstotanic River complete this Serene Home. Close To Shops, Eateries, Schools, Train and Highway. Home Is Being Sold IN "AS IS' Condition. Home Needs Rubish Removal, Cosmetic Reno and Lawn Care... LOW TAXES.. THIS IS THE ONE YOU HAV E BEEN WAITING FOR... Don't Let This One Get Away. Call Now!!

17. 2025-06-26
    price $169,000 757-char remark

    Show marketing remark (757 chars)

    RARE FIND !! FULLY DETACTED 3 BR / 1 BTH / SPLIT LEVEL SINGLE FAMILY HOUSE W UNFIN. BSMT & FULL REAR DECK W LARGE WRAP AROUND BACK YARD LOCATED IN THE HEART OF PEACE AND TRANQILITY OF WINGDALE.. Featurning 3 BR's + WALK IN LARGE PANTRY ( 1st Floor Walk In Bedroom) Living Room, Kitchen, Basement, Large Back & Side Yard. Septic Tank for plumbing and Underground Oil Tank For Heating (SELLER NOT BRINGING ABOVE GROUND). Neighboring Horse Ranch and Houstotanic River complete this Serene Home. Close To Shops, Eateries, Schools, Train and Highway. Home Is Being Sold IN "AS IS' Condition. Home Needs Rubish Removal, Cosmetic Reno and Lawn Care... LOW TAXES.. THIS IS THE ONE YOU HAV E BEEN WAITING FOR... Don't Let This One Get Away. Call Now!!

18. 2025-06-05
    price $179,000 757-char remark

    Show marketing remark (757 chars)

    RARE FIND !! FULLY DETACTED 3 BR / 1 BTH / SPLIT LEVEL SINGLE FAMILY HOUSE W UNFIN. BSMT & FULL REAR DECK W LARGE WRAP AROUND BACK YARD LOCATED IN THE HEART OF PEACE AND TRANQILITY OF WINGDALE.. Featurning 3 BR's + WALK IN LARGE PANTRY ( 1st Floor Walk In Bedroom) Living Room, Kitchen, Basement, Large Back & Side Yard. Septic Tank for plumbing and Underground Oil Tank For Heating (SELLER NOT BRINGING ABOVE GROUND). Neighboring Horse Ranch and Houstotanic River complete this Serene Home. Close To Shops, Eateries, Schools, Train and Highway. Home Is Being Sold IN "AS IS' Condition. Home Needs Rubish Removal, Cosmetic Reno and Lawn Care... LOW TAXES.. THIS IS THE ONE YOU HAV E BEEN WAITING FOR... Don't Let This One Get Away. Call Now!!

19. 2025-05-08
    listed $199,000 Active 757-char remark

    Show marketing remark (757 chars)

    RARE FIND !! FULLY DETACTED 3 BR / 1 BTH / SPLIT LEVEL SINGLE FAMILY HOUSE W UNFIN. BSMT & FULL REAR DECK W LARGE WRAP AROUND BACK YARD LOCATED IN THE HEART OF PEACE AND TRANQILITY OF WINGDALE.. Featurning 3 BR's + WALK IN LARGE PANTRY ( 1st Floor Walk In Bedroom) Living Room, Kitchen, Basement, Large Back & Side Yard. Septic Tank for plumbing and Underground Oil Tank For Heating (SELLER NOT BRINGING ABOVE GROUND). Neighboring Horse Ranch and Houstotanic River complete this Serene Home. Close To Shops, Eateries, Schools, Train and Highway. Home Is Being Sold IN "AS IS' Condition. Home Needs Rubish Removal, Cosmetic Reno and Lawn Care... LOW TAXES.. THIS IS THE ONE YOU HAV E BEEN WAITING FOR... Don't Let This One Get Away. Call Now!!

20. 2024-05-11
    status Pending
21. 2024-05-10
    historical
22. 2024-03-12
    listed $175,900 Active
23. 2015-04-27
    soldstatus $132,500
24. 2015-04-20
    price $132,500
25. 2015-04-20
    soldstatus $132,500 Sold
26. 2015-03-18
    historical Pending
27. 2015-03-18
    price $149,000
28. 2014-10-08
    listed $149,000 Active

ⓘ 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: $3,750 · $312/mo
• Projected year-2 tax: $3,750 · $312/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 (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥96°F today · 15 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 15% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,249
• − Mortgage interest: −$9,803
• − Property taxes: −$3,750
• − Insurance: −$875
• − Repairs & maintenance: −$1,300
• − Management: −$1,300
• − Depreciation: −$5,091
• Taxable loss: −$5,869
• Est. tax savings @ 24.0%: +$1,409
• After-tax cash flow: $-1,392/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: Dover Union Free School District
• NCES district ID: 3609210
• Math proficiency: 44% ▼ -8.00%
• Reading proficiency: 48% ▲ 3.00%
• Median HH income: $58,267
• Composite: 40.25/100
• National rank: #3768
• State rank: #433 of 590 in NY

Livability — Wingdale

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 3,645

Population outlook (Dutchess County) Hauer SSP2

• Today (2025): 291,768 people
• By 2030: 287,131 · -1.6%
• By 2040: 274,881 · -5.8%
• By 2050: 259,971 · -10.9%
• By 2075: 235,366 · -19.3%
• By 2100: 208,786 · -28.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Hispanic / Latino 21% Black 9% Two or more races 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Romanian 6% Lithuanian 3% Iranian 1%
• Foreign-born: 7% · Canada, South Korea, Guatemala
• Languages at home: 89% English-only · Spanish 11% German/W. Germanic 0%

Political lean MEDSL · Dutchess

• 2024 margin: Lean D (+5.4) · D 52.7% · R 47.3%
• 2008→2024 swing: -3.2pp toward R · 2008: 8.6pp · 2024: 5.4pp
• All cycles: 2024: D+5.4 2020: D+9.6 2016: R+1.1 2012: D+6.6 2008: D+8.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.14%
• Current HPI: 249.3328
• 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

+17.4% since first listed

13 events — show timeline

• 2026-02-25 Price Changed $175,000 OneKey® MLS as Distributed by MLS Grid
• 2025-06-26 Price Changed $169,000 OneKey® MLS as Distributed by MLS Grid
• 2025-06-05 Price Changed $179,000 OneKey® MLS as Distributed by MLS Grid
• 2025-05-08 Listed $199,000 OneKey® MLS as Distributed by MLS Grid
• 2024-05-11 Pending — OneKey® MLS as Distributed by MLS Grid
• 2024-05-10 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2024-03-12 Listed $175,900 OneKey® MLS as Distributed by MLS Grid
• 2015-04-27 Sold (Public Records) $132,500 Public Records
• 2015-04-20 Sold (MLS) $132,500 HGMLS
• 2015-04-20 Price Changed $132,500 HGMLS
• 2015-03-18 Contingent — HGMLS
• 2015-03-18 Price Changed $149,000 HGMLS
• 2014-10-08 Listed $149,000 HGMLS

Property tax history

+2.0%/yr

Latest (2025): $3,750 · -0.3% YoY. Source: county tax records.