97 Maple Ave · Catskill, NY 12414

$290,000

5 bd · 2.0 ba · 1,925 sqft · MultiFamily public records · 181 Days on market

Built 1900 0.26 ac lot $151/sqft · 37% below area Est $461k · 37% under

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Why this score? — see what drove the A 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 +29.3/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• Appreciation +10.0/10.0
• 1% rule +8.8/10.0
• Schools +4.1/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Multi-family units

County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed

Listing remarks MLS

Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

Key facts

• R3 zoning
• Large yard
• Victorian two-family

Tags

• VICTORIAN TWO-FAMILY
• R3 ZONING
• LARGE YARD
• OFF-STREET PARKING
• DEDICATED ELECTRIC SERVICE
• LOCATION CLOSE TO SHOPS

🏷️ Possibly a rental listed for sale. The $290,000 price doesn't fit this home's estimated sale value (~$460,634) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 1×3bd/1ba + 1×2bd/1ba units multifamily listed at $290k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive. Per door: $511/mo.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $290k).
• Recommended offer: $255k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.5% vs local median 2.9% in Catskill — 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 69/100 on livability (#483 in NY) — a middle-class / working-renter tenant base. Strengths: health & safety A+, crime B+; Watch: schools C-, amenities F, commute F.
• Catskill Central School District (town): math 45% / reading 51% proficiency, ranked #429 of 590 in NY (top 73%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 105 active listings in the ZIP; 97 units permitted in Greene County in 2024 (0 in 5+ unit buildings).
• At $4,014/mo this rent would consume 66% of the median local household income ($73k/yr) (locally 318% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $31k of equity ($2k loan paydown + $29k appreciation (10.0% local appreciation)).
• Greene County population projected at -22% 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 $81k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$50k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 181 days — a 12% lower offer ($255k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 7y 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 $204k; 42% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $255,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 181 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
3. What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
4. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.38% ✓
• Cap rate: 10.52%
• Cash-on-cash: 15.10%
• DSCR: 1.67
• GRM: 6.0

CMA / ARV

• ARV (median comp): $460,634
• List price: $290,000
• Delta: -37.04%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
54 W Bridge St	0.21mi	4/2.0 (-1)	2,184 (+14%)	2mo	$480,000	$220	61
67 W Bridge St	0.22mi	4/2.0 (-1)	1,680 (-13%)	5mo	$50,000	$30	60
54 Division St	0.07mi	4/— (-1)	2,200 (+14%)	11mo	$280,000	$127	59
40 Thompson St	0.52mi	5/—	2,154 (+12%)	6mo	$105,000	$49	51
516 Main St	0.39mi	4/2.5 (-1)	1,848 (-4%)	22mo	$325,000	$176	50

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

Projected returns pro-forma

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

5-year hold

• IRR: 35.5%
• Equity multiple: 3.75×
• Total profit: $223,188
• Equity at exit: $261,255

10-year hold

• IRR: 30.5%
• Equity multiple: 8.47×
• Total profit: $606,358
• Equity at exit: $563,406

Cash invested: $81,200 (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 12414

• Home prices YoY: 11.9%
• Active inventory: 105
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $4,014 medium
• Mortgage (P&I): −$1,521
• Tax from tax record: −$507 /mo · $6,088/yr
• Insurance: −$121
• HOA: −$0
• Vacancy / Maint / Mgmt: −$843
• Net cashflow: $1,022

Break-even live

Break-even rent $2,720

Max offer price $290,000

Occupancy floor 70%

Sensitivity live

Price	-10% $1,186	-5% $1,104	+0% $1,022	+5% $940	+10% $858
Rent	-10% $705	-5% $864	+0% $1,022	+5% $1,181	+10% $1,339
Rate	-1.0pp $1,168	-0.5pp $1,096	base $1,022	+0.5pp $947	+1.0pp $870

2-unit breakdown (identical units grouped — click to expand)

Units	Beds	Baths	Est. rent
1× unit	3	1	$2,197
1× unit	2	1	$1,818
Total (2 units)			$4,014

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: $72,500
• Closing costs: $8,700
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-21
   days on market $290,000 Active 181 DOM
2. 2026-06-19
   days on market $290,000 Active 179 DOM
3. 2026-06-18
   days on market $290,000 Active 178 DOM
4. 2026-06-17
   days on market $290,000 Active 177 DOM
5. 2026-06-16
   days on market $290,000 Active 176 DOM
6. 2026-06-15
   days on market $290,000 Active 175 DOM
7. 2026-06-14
   days on market $290,000 Active 173 DOM
8. 2026-06-12
   days on market $290,000 Active 172 DOM
9. 2026-06-09
   days on market $290,000 Active 169 DOM
10. 2026-06-08
    days on market $290,000 Active 168 DOM
11. 2026-06-07
    days on market $290,000 Active 167 DOM
12. 2026-06-02
    days on market $290,000 Active 162 DOM
13. 2026-06-01
    days on market $290,000 Active 161 DOM
14. 2026-05-31
    days on market $290,000 Active 160 DOM
15. 2026-05-30
    days on market $290,000 Active 159 DOM
16. 2026-03-26
    historical Active Under Contract 1767-char remark

    Show marketing remark (1783 chars)

    Located just minutes from Main Street in the Village of Catskill, this solid Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses—Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize—ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

17. 2026-03-26
    historical Active Under Contract 1783-char remark

    Show marketing remark (1783 chars)

    Located just minutes from Main Street in the Village of Catskill, this solid Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses—Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize—ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

18. 2026-03-12
    price $249,900 1767-char remark

    Show marketing remark (1783 chars)

    Located just minutes from Main Street in the Village of Catskill, this solid Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses—Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize—ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

19. 2026-03-12
    price $249,900 1783-char remark

    Show marketing remark (1783 chars)

    Located just minutes from Main Street in the Village of Catskill, this solid Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses—Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize—ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

20. 2026-03-11
    status Active 1783-char remark

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

21. 2026-03-11
    status Active 1767-char remark

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

22. 2026-02-03
    historical Active Under Contract 1783-char remark

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

23. 2026-02-03
    historical Active Under Contract 1767-char remark

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

24. 2025-12-22
    listed $290,000 Active 1783-char remark

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

25. 2025-12-22
    listed $290,000 Active 1767-char remark

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

26. 2025-12-22
    listed $290,000 Active

    Show marketing remark (1767 chars)

    Located just minutes from Main Street in the Village of Catskill, this Victorian two-family offers space, flexibility, and strong investment potential. The first-floor apartment features 3 bedrooms and 1 bath, currently rented month-to-month at 1,550 per month. This lease includes water, sewer, and garbage, and the tenant pays for their own electric. Heat for this unit is a combination of oil and electric. The second-floor apartment is a vacant 2-bedroom, 1-bath unit, giving a new owner immediate options for owner-occupancy, long-term rental, or short-term rental use. This unit is fully electric and also has its own dedicated electric service. With R3 zoning, the property supports a wide range of uses--Airbnb, bed-and-breakfast, studio or creative workspace, or small-scale retail. A large yard and off-street parking add to the appeal. The home does need some work, but it offers solid fundamentals, existing income, separate utilities, and a location close to shops, restaurants, and the Catskill waterfront. A versatile property with income in place, expansion possibilities, and room to customize--ready for its next owner to shape its next chapter. Situated in one of the most scenic and convenient parts of the Hudson Valley, this property puts you close to everything the region is known for world-class skiing at Hunter and Windham, endless hiking trails, and some of the best antiquing around. You're just minutes from the vibrant towns of Hudson, and Woodstock, each filled with galleries, boutiques, music, and great food. And with an easy two-hour drive to New York City, this location offers the perfect blend of small-town charm and big-city accessibility. The Hudson Valley and Catskill Mountains are right at your doorstep, ready to explore.

27. 2020-10-15
    soldstatus $203,900
28. 2019-03-25
    listed $185,000
29. 2014-12-30
    soldstatus $60,000

ⓘ 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: $6,088 · $507/mo
• Projected year-2 tax: $6,088 · $507/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 2/10 Low
• 🌡 Heat 4/10 Moderate 7 d/yr ≥99°F today · 16 d/yr by 30 yrs out
• 💨 Wind 4/10 Moderate 9% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $48,168
• − Mortgage interest: −$16,245
• − Property taxes: −$6,088
• − Insurance: −$1,450
• − Repairs & maintenance: −$3,853
• − Management: −$3,853
• − Depreciation: −$8,436
• Taxable income: $8,242
• Est. tax owed @ 24.0%: −$1,978
• After-tax cash flow: $10,287/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: Catskill Central School District
• NCES district ID: 3606720
• Math proficiency: 45% ▼ -9.00%
• Reading proficiency: 51% ▲ 8.00%
• Median HH income: $44,960
• Composite: 40.63/100
• National rank: #3685
• State rank: #429 of 590 in NY

Livability — Catskill

• Score: 69/100
• State rank: #483
• US rank: #8498

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Catskill, NY
• County: Greene County · 10,169 people
• City population: 10,169
• Metro: nan
• Population (ZIP): 10,169
• Household income: $73,036
• Rent vs Own: 31.7% rent · 68.3% own
• Severe rent burden: 318.0

Population outlook (Greene County) Hauer SSP2

• Today (2025): 44,963 people
• By 2030: 43,126 · -4.1%
• By 2040: 38,756 · -13.8%
• By 2050: 34,913 · -22.4%
• By 2075: 28,156 · -37.4%
• By 2100: 22,296 · -50.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Hispanic / Latino 10% Two or more races 8% Black 6%
• Hispanic origin (detail): Puerto Rican 7%
• Common ancestry: Scotch-Irish 3% Iranian 3% Lithuanian 3%
• Foreign-born: 4% · Canada, Mexico
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Greene

• 2024 margin: R (+17.0) · D 41.5% · R 58.5%
• 2008→2024 swing: -7.1pp toward R · 2008: -9.9pp · 2024: -17.0pp
• All cycles: 2024: R+17.0 2020: R+15.6 2016: R+27.4 2012: R+11.1 2008: R+9.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 52.47%
• Current HPI: 494.3394
• Rent YoY: —
• Metro: nan
• 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

+316.5% since first listed

14 events — show timeline

• 2026-03-26 Contingent — HVCRMLS
• 2026-03-26 Contingent — HVCRMLS
• 2026-03-12 Price Changed $249,900 HVCRMLS
• 2026-03-12 Price Changed $249,900 HVCRMLS
• 2026-03-11 Relisted — HVCRMLS
• 2026-03-11 Relisted — HVCRMLS
• 2026-02-03 Contingent — HVCRMLS
• 2026-02-03 Contingent — HVCRMLS
• 2025-12-22 Listed $290,000 HVCRMLS
• 2025-12-22 Listed $290,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-22 Listed $290,000 HVCRMLS
• 2020-10-15 Sold (Public Records) $203,900 Public Records
• 2019-03-25 Listed $185,000 HVCRMLS
• 2014-12-30 Sold (Public Records) $60,000 Public Records

Property tax history

+3.8%/yr

Latest (2025): $6,088 · +3.0% YoY. Source: county tax records.