50 Brola Rd · Bloomingburg, NY 10940

$325,000

3 bd · 1.0 ba · 1,196 sqft · SingleFamily public records · 56 Days on market

Built 1965 1.40 ac lot $272/sqft · 26% below area Est $439k · 26% under

---

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 +8.8/30.0
• Schools +5.0/10.0
• Rent growth +4.6/5.0
• 1% rule +3.2/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Bring your vision to life at 50 Brola Road. Perfectly situated in the picturesque countryside within the Minisink school district you will find a tremendous opportunity. The home itself offers a spacious and open floor plan along with ample parking, fenced rear yard, plenty of storage space and room for expansion. There is a building lot to the right of the property that can be purchased for a potential new construction or addition to this property's lovely yard space. Stepping inside the home you will find that the open floor plan creates a seamless flow between the living, dining, and kitchen areas, ideal for both everyday living and entertaining. With an additional family room and a front facing three season room as well as an enclosed rear porch there is plenty of space for gathering. Head down the the hall and you will find a full bath, spacious bedrooms and access to the full basement. The basement provides ample storage space along with opportunity for additional recreation space, gym or home office as well as bilco doors leading to the rear yard. Set on a spacious lot and backing to the Little Shawangunk Kill , the property provides plenty of room to enjoy outdoor activities, gardening, or simply relax in a private setting. With ample space to expand, this home offers flexibility to grow with your needs, whether you envision additional living space, a home office, or outdoor enhancements. Central AC, whole home generator and shed included.

Key facts

• Open floor plan
• Three season room
• Ample parking

Tags

• OPEN FLOOR PLAN
• AMPLE PARKING
• FENCED REAR YARD
• PLENTY OF STORAGE SPACE
• THREE SEASON ROOM
• ENCLOSED REAR PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-269 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $277k (14.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $265k (18.4% below list).
• Recommended offer: $265k (18.4% below list) — sets the bar for 1% rule.
• Cap rate 5.3% vs local median 3.6% in Bloomingburg — 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 49/100 on livability (#1,175 in NY) — a working-class tenant base; expect higher turnover. Watch: cost of living D+, housing D+, crime F.
• Minisink Valley Central School District (rural): math 51% / reading 59% proficiency, ranked #254 of 590 in NY (top 43%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 17% free/reduced lunch — higher-income household profile.
• Zoned schools: Otisville Elementary School (math 27% / reading 57%, grade F, #1,361 of 2,108 statewide, top 67%, 589 students, 30% FRL); Minisink Valley Middle School (math 27% / reading 58%, grade D-, #373 of 729 statewide, top 52%, 775 students, 28% FRL); Minisink Valley High School (math 94% / reading 75%, grade A, #379 of 1,100 statewide, top 36%, 1,172 students, 28% FRL).
• Market conditions: Rents rising fast (+8.2%/yr); 279 active listings in the ZIP; solid renter incomes; 1,746 units permitted in Orange County in 2024 (1,265 in 5+ unit buildings).
• This rent runs 37% of the median local income ($87k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 56 days — a 3% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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 $280k; 16% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Recommended offer $265,189 (18.4% 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 56 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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. 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?
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: 0.82% ✗
• Cap rate: 5.30%
• Cash-on-cash: -3.55%
• DSCR: 0.84
• GRM: 10.2

CMA / ARV

• ARV (median comp): $439,055
• List price: $325,000
• Delta: -25.98%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
25 Meyer Rd	0.13mi	3/2.0	1,335 (+12%)	13mo	$380,000	$285	60
14 Cornfield Rd	0.69mi	3/1.5	1,152 (-4%)	13mo	$360,000	$313	49

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -16.5%
• Equity multiple: 0.39×
• Total profit: $-55,684
• Equity at exit: $48,459

10-year hold

• IRR: -0.8%
• Equity multiple: 0.93×
• Total profit: $-6,325
• Equity at exit: $28,100

Cash invested: $91,000 (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 10940

• Home prices YoY: -18.7%
• Rents YoY: 8.2%
• Active inventory: 279
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,652 medium
• Mortgage (P&I): −$1,704
• Tax from tax record: −$524 /mo · $6,294/yr
• Insurance: −$135
• HOA: −$0
• Vacancy / Maint / Mgmt: −$557
• Net cashflow: $-269

Break-even live

Break-even rent $2,993

Max offer price $277,438

Occupancy floor —

Sensitivity live

Price	-10% $-85	-5% $-177	+0% $-269	+5% $-361	+10% $-453
Rent	-10% $-479	-5% $-374	+0% $-269	+5% $-164	+10% $-60
Rate	-1.0pp $-106	-0.5pp $-187	base $-269	+0.5pp $-353	+1.0pp $-439

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Listing history 5 events

1. 2026-05-15
   status Pending 1471-char remark

   Show marketing remark (1471 chars)

   Bring your vision to life at 50 Brola Road. Perfectly situated in the picturesque countryside within the Minisink school district you will find a tremendous opportunity. The home itself offers a spacious and open floor plan along with ample parking, fenced rear yard, plenty of storage space and room for expansion. There is a building lot to the right of the property that can be purchased for a potential new construction or addition to this property's lovely yard space. Stepping inside the home you will find that the open floor plan creates a seamless flow between the living, dining, and kitchen areas, ideal for both everyday living and entertaining. With an additional family room and a front facing three season room as well as an enclosed rear porch there is plenty of space for gathering. Head down the the hall and you will find a full bath, spacious bedrooms and access to the full basement. The basement provides ample storage space along with opportunity for additional recreation space, gym or home office as well as bilco doors leading to the rear yard. Set on a spacious lot and backing to the Little Shawangunk Kill , the property provides plenty of room to enjoy outdoor activities, gardening, or simply relax in a private setting. With ample space to expand, this home offers flexibility to grow with your needs, whether you envision additional living space, a home office, or outdoor enhancements. Central AC, whole home generator and shed included.

2. 2026-03-20
   listed $325,000 Active 1471-char remark

   Show marketing remark (1471 chars)

   Bring your vision to life at 50 Brola Road. Perfectly situated in the picturesque countryside within the Minisink school district you will find a tremendous opportunity. The home itself offers a spacious and open floor plan along with ample parking, fenced rear yard, plenty of storage space and room for expansion. There is a building lot to the right of the property that can be purchased for a potential new construction or addition to this property's lovely yard space. Stepping inside the home you will find that the open floor plan creates a seamless flow between the living, dining, and kitchen areas, ideal for both everyday living and entertaining. With an additional family room and a front facing three season room as well as an enclosed rear porch there is plenty of space for gathering. Head down the the hall and you will find a full bath, spacious bedrooms and access to the full basement. The basement provides ample storage space along with opportunity for additional recreation space, gym or home office as well as bilco doors leading to the rear yard. Set on a spacious lot and backing to the Little Shawangunk Kill , the property provides plenty of room to enjoy outdoor activities, gardening, or simply relax in a private setting. With ample space to expand, this home offers flexibility to grow with your needs, whether you envision additional living space, a home office, or outdoor enhancements. Central AC, whole home generator and shed included.

3. 2026-02-05
   status Pending
4. 2026-01-15
   listed $299,000 Active
5. 2025-07-11
   soldstatus $280,000

ⓘ 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: $6,294 · $524/mo
• Projected year-2 tax: $6,294 · $524/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 ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 8% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $31,823
• − Mortgage interest: −$18,205
• − Property taxes: −$6,294
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,546
• − Management: −$2,546
• − Depreciation: −$9,455
• Taxable loss: −$8,847
• Est. tax savings @ 24.0%: +$2,123
• After-tax cash flow: $-1,107/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: Minisink Valley Central School District
• NCES district ID: 3619560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 59% ▲ 5.00%
• Median HH income: $84,292
• Composite: 50.18/100
• National rank: #1897
• State rank: #254 of 590 in NY

Livability — Bloomingburg

• Score: 49/100
• State rank: #1175
• US rank: #25817

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Orange County · 267,004 people
• Metro: Poughkeepsie-Newburgh-Middletown, NY
• Population (ZIP): 53,611
• Household income: $87,080
• Rent vs Own: 38.4% rent · 61.6% own
• Severe rent burden: 1846.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 379,830 people
• By 2030: 378,955 · -0.2%
• By 2040: 375,444 · -1.2%
• By 2050: 369,311 · -2.8%
• By 2075: 354,233 · -6.7%
• By 2100: 318,150 · -16.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 39% Hispanic / Latino 32% Black 20% Two or more races 13% Asian 4% Native American 3%
• Hispanic origin (detail): Mexican 9% Puerto Rican 13% Dominican 3%
• Common ancestry: Romanian 3% Italian 1% Iranian 1%
• Foreign-born: 18% · Canada, China, Jamaica
• Languages at home: 72% English-only · Spanish 21% Other Indo-European 2% Chinese 1%

Political lean MEDSL · Orange

• 2024 margin: Lean R (+8.4) · D 45.8% · R 54.2%
• 2008→2024 swing: -12.5pp toward R · 2008: 4.1pp · 2024: -8.4pp
• All cycles: 2024: R+8.4 2020: R+0.2 2016: R+6.5 2012: D+5.2 2008: D+4.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -71.68%
• Current HPI: 311.5969
• Rent YoY: ▲ 8.23%
• Metro: Poughkeepsie-Newburgh-Middletown, 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

+16.1% since first listed

5 events — show timeline

• 2026-05-15 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-03-20 Listed $325,000 OneKey® MLS as Distributed by MLS Grid
• 2026-02-05 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-01-15 Listed $299,000 OneKey® MLS as Distributed by MLS Grid
• 2025-07-11 Sold (Public Records) $280,000 Public Records

Property tax history

+4.4%/yr

Latest (2025): $6,294 · +1.0% YoY. Source: county tax records.