2100 W Seneca St · Lodi, NY 14860

$124,900

4 bd · 2.0 ba · 2,122 sqft · SingleFamily · 22 Days on market

Built 1878 Average condition 0.31 ac lot $59/sqft · 23% below area Est $162k · 23% under

---

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 +27.0/30.0
• ARV discount +15.0/15.0
• Appreciation +10.0/10.0
• DSCR +9.3/10.0
• 1% rule +7.3/10.0
• Schools +3.1/10.0
• Livability +2.9/5.0
• Condition / age +2.8/5.0
• Rent growth +2.5/5.0

Listing remarks MLS

Some TLC needed. Nice village lot, 1 car detached garage with electric. Lots of storage space, spacious kitchen with adjoining dining area plus formal dining room. Large deck and storage shed.

Key facts

• Spacious backyard
• Deck on two sides
• 1 car garage

Tags

• SPACIOUS BACKYARD
• DECK ON TWO SIDES
• 1 CAR GARAGE
• TWO ADDITIONAL SHEDS
• ENCLOSED FRONT PORCH
• FUNCTIONAL LAYOUT

Property features AI

Exterior

• Parking: Detached garage with electricity; 1-car garage
• Utilities: Electricity connected (circuit breakers); Well water; Sewer connected; Cable available; High-speed internet available
• Home design: 2-story house; Existing (previously built) property; Rectangular residential lot; City street frontage; Lot dimensions approximately 83 x 156
• Construction: Composite siding; Copper plumbing; Asphalt roof; Stone foundation; Partial basement with sump pump
• Exterior features: Blacktop driveway; Enclosed porch; Open porch; Propane tank (leased); Shed(s)/storage

Interior

• Kitchen: Eat-in kitchen; Breakfast bar
• Bedrooms: One main-level bedroom
• Flooring: Hardwood; Vinyl; Varied flooring
• Bathrooms: Two full bathrooms; One main-level bathroom
• Heating & cooling: Oil heating; Baseboard heat; Hot water heat
• Interior features: Breakfast bar; Separate/formal dining room; Eat-in kitchen; Separate/formal living room; Natural woodwork; Storm windows; Thermal windows; Wood window frames
• Laundry & utility: Main-level laundry; Electric water heater; Water softener (owned)

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $125k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $350 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $123k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 57/100 on livability (#1,082 in NY) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: health & safety D, schools F, crime F.
• South Seneca Central School District (rural): math 30% / reading 42% proficiency, ranked #552 of 590 in NY (top 94%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 12 active listings in the ZIP; 48 units permitted in Seneca County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $13k of equity ($864 loan paydown + $12k appreciation (10.0% local appreciation)).
• Seneca County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $35k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 22 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 29y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $48k; list at $125k implies a 158% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1878 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $123,026 (1.5% below list)

Questions for the listing agent

1. Built in 1878 — 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. 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?
4. 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?
5. 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.
6. 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.
7. 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: 1.23% ✓
• Cap rate: 9.65%
• Cash-on-cash: 12.00%
• DSCR: 1.53
• GRM: 6.8

CMA / ARV

• ARV (median comp): $162,149
• List price: $124,900
• Delta: -22.97%
• Verdict: UNDERPRICED
• Comps: 6 within 1.0 mi

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 33.1%
• Equity multiple: 3.58×
• Total profit: $90,315
• Equity at exit: $112,520

10-year hold

• IRR: 28.6%
• Equity multiple: 8.11×
• Total profit: $248,498
• Equity at exit: $242,653

Cash invested: $34,972 (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 14860

• Home prices YoY: 4.5%
• Active inventory: 12
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,535 medium
• Mortgage (P&I): −$655
• Tax est. 1.5%: −$156 /mo · $1,874/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$322
• Net cashflow: $350

Break-even live

Break-even rent $1,093

Max offer price $124,900

Occupancy floor 72%

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Listing history 13 events

1. 2026-05-17
   status Pending 1466-char remark
2. 2026-04-24
   listed $124,900 Active 1466-char remark
3. 2025-04-24
   price $150,000
4. 2025-04-08
   price $160,000
5. 2025-03-27
   status Active
6. 2025-03-19
   status Pending
7. 2024-10-08
   listed $175,000 Active
8. 2010-11-23
   soldstatus $48,500

   Show marketing remark (192 chars)

   Some TLC needed. Nice village lot, 1 car detached garage with electric. Lots of storage space, spacious kitchen with adjoining dining area plus formal dining room. Large deck and storage shed.

9. 2010-11-23
   soldstatus $48,500

   Show marketing remark (192 chars)

   Some TLC needed. Nice village lot, 1 car detached garage with electric. Lots of storage space, spacious kitchen with adjoining dining area plus formal dining room. Large deck and storage shed.

10. 2009-02-13
    listed $53,900

    Show marketing remark (192 chars)

    Some TLC needed. Nice village lot, 1 car detached garage with electric. Lots of storage space, spacious kitchen with adjoining dining area plus formal dining room. Large deck and storage shed.

11. 2009-02-13
    listed $53,900

    Show marketing remark (192 chars)

    Some TLC needed. Nice village lot, 1 car detached garage with electric. Lots of storage space, spacious kitchen with adjoining dining area plus formal dining room. Large deck and storage shed.

12. 1999-07-13
    soldstatus $54,000
13. 1997-09-09
    listed $53,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $18,422
• − Mortgage interest: −$6,996
• − Property taxes: −$1,874
• − Insurance: −$624
• − Repairs & maintenance: −$1,474
• − Management: −$1,474
• − Depreciation: −$3,633
• Taxable income: $2,347
• Est. tax owed @ 24.0%: −$563
• After-tax cash flow: $3,632/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 · 1 photo

Average 55/100 Moderate rehab

This charming older home offers a spacious layout with potential for moderate renovations to enhance its curb appeal and interior aesthetics.

Repairs flagged

• Minor Paint — Light wear
• Minor Flooring — Some wear visible
• Minor Landscaping — Overgrown grass

Value-add opportunities

• Both Paint — Enhances curb appeal and interior aesthetics
• Both Flooring — Improves living space and adds value
• Both Landscaping — Enhances curb appeal and creates a more inviting exterior

Renovation cost estimate screening

Repair item	Severity	Est. cost
Paint · Light wear	Minor	$500–3,000
Flooring · Some wear visible	Minor	$500–3,000
Landscaping · Overgrown grass	Minor	$500–3,000
Total estimated repair cost · 3 items		$1,500–9,000

Value-add ROI direction

• Both Paint — Enhances curb appeal and interior aesthetics ↑
• Both Flooring — Improves living space and adds value ↑
• Both Landscaping — Enhances curb appeal and creates a more inviting exterior ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: South Seneca Central School District
• NCES district ID: 3622140
• Math proficiency: 30% ▼ -21.00%
• Reading proficiency: 42% ▲ 5.00%
• Median HH income: $45,533
• Composite: 30.71/100
• National rank: #6170
• State rank: #552 of 590 in NY

Livability — Lodi

• Score: 57/100
• State rank: #1082
• US rank: #21852

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lodi, NY
• Population (ZIP): 1,079

Population outlook (Seneca County) Hauer SSP2

• Today (2025): 33,457 people
• By 2030: 32,540 · -2.7%
• By 2040: 30,680 · -8.3%
• By 2050: 28,875 · -13.7%
• By 2075: 24,757 · -26.0%
• By 2100: 19,591 · -41.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 4% Hispanic / Latino 2%
• Common ancestry: Iranian 7% Polish 7% Romanian 3%
• Foreign-born: 1% · Canada
• Languages at home: 86% English-only · German/W. Germanic 12% Spanish 1%

Political lean MEDSL · Seneca

• 2024 margin: R (+11.8) · D 44.1% · R 55.9%
• 2008→2024 swing: -14.4pp toward R · 2008: 2.6pp · 2024: -11.8pp
• All cycles: 2024: R+11.8 2020: R+9.1 2016: R+12.1 2012: D+9.2 2008: D+2.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 15.07%
• Current HPI: 347.8693
• 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

+135.7% since first listed

13 events — show timeline

• 2026-05-17 Pending — UNYREIS
• 2026-04-24 Listed $124,900 UNYREIS
• 2025-04-24 Price Changed $150,000 UNYREIS
• 2025-04-08 Price Changed $160,000 UNYREIS
• 2025-03-27 Relisted — UNYREIS
• 2025-03-19 Pending — UNYREIS
• 2024-10-08 Listed $175,000 UNYREIS
• 2010-11-23 Sold (MLS) $48,500 UNYREIS
• 2010-11-23 Sold (MLS) $48,500 UNYREIS
• 2009-02-13 Listed $53,900 UNYREIS
• 2009-02-13 Listed $53,900 UNYREIS
• 1999-07-13 Sold (MLS) $54,000 IBRMLS
• 1997-09-09 Listed $53,000 IBRMLS