5 Hudson St · Castleton-on-Hudson, NY 12033

$222,000

3 bd · 1.5 ba · 1,082 sqft · Townhouse public records · 15 Days on market

Built 1875 5,662 sqft lot

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Why this score? — see what drove the C- 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 +20.7/30.0
• ARV discount +7.5/15.0
• DSCR +6.6/10.0
• 1% rule +5.3/10.0
• Schools +5.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Right side Townhouse for Sale ONLY. Nice size rooms. Bank says sell! Perfect for 1st time buyer. Enclosed porch, hardwood floors, new appliances. Good Condition

Key facts

• Partially fenced
• Laundry room
• Eat in kitchen

Tags

• EAT IN KITCHEN
• HARDWOOD FLOORS
• LAUNDRY ROOM
• ENCLOSED PORCH
• PARTIALLY FENCED
• LARGE STORAGE SHED

Property features AI

Exterior

• Parking: Two paved driveway parking spaces
• Security: Smoke detectors; Carbon monoxide detectors
• Utilities: Public water; Public sewer; Circuit breaker electric; Cable available
• Home design: Townhouse; Entry includes porch; Shingle and other roofing
• Construction: Aluminum siding; Brick and stone foundation
• Exterior features: Side porch and front porch; Patio/porch area; Paved driveway and drive-paved exterior; Outdoor lighting; Shed/storage

Interior

• Kitchen: Gas oven; Range; Refrigerator
• Bedrooms: Three bedrooms on the second level
• Flooring: Wood; Hardwood; Linoleum
• Bathrooms: One full bathroom on the second level; One half bathroom on the first level
• Heating & cooling: Forced air heating; Natural gas heating
• Interior features: High speed internet; Storm doors; Double-pane windows
• Laundry & utility: Washer/dryer (washer hookup and electric dryer hookup); Washer hookup in bathroom; Main level laundry access

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath townhouse listed at $222k.

Deal economics

• At list price, monthly cash flow is $302 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $222k).
• Recommended offer: $219k (1.5% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 3.5% in Castleton-on-Hudson — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Schodack Central School District (rural): math 59% / reading 60% proficiency, ranked #216 of 590 in NY (top 37%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 13% free/reduced lunch — higher-income household profile.
• Market conditions: 60 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 405 units permitted in Rensselaer County in 2024 (224 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Rensselaer County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($219k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 20y 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 $40k; list at $222k implies a 455% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1875 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $218,670 (1.5% below list)

Questions for the listing agent

1. Built in 1875 — 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. 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.
4. 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.
5. 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: 1.03% ✓
• Cap rate: 7.93%
• Cash-on-cash: 5.83%
• DSCR: 1.26
• GRM: 8.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -7.3%
• Equity multiple: 0.73×
• Total profit: $-16,720
• Equity at exit: $33,101

10-year hold

• IRR: 2.3%
• Equity multiple: 1.17×
• Total profit: $10,289
• Equity at exit: $19,195

Cash invested: $62,160 (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 12033

• Home prices YoY: -17.4%
• Active inventory: 60
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,295 medium
• Mortgage (P&I): −$1,164
• Tax from tax record: −$254 /mo · $3,053/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$482
• Net cashflow: $302

Break-even live

Break-even rent $1,913

Max offer price $222,000

Occupancy floor 82%

Sensitivity live

Price	-10% $428	-5% $365	+0% $302	+5% $239	+10% $176
Rent	-10% $121	-5% $211	+0% $302	+5% $393	+10% $483
Rate	-1.0pp $414	-0.5pp $358	base $302	+0.5pp $244	+1.0pp $186

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: $55,500
• Closing costs: $6,660
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
34 Campbell Ave Castleton-On-Hudson, NY	3.0	1.0	1200	$2,295	$1.91	15d	1	0.25mi

Listing history 13 events

1. 2026-06-21
   days on market $222,000 Active 15 DOM
2. 2026-06-18
   days on market $222,000 Active 13 DOM
3. 2026-06-17
   days on market $222,000 Active 12 DOM
4. 2026-06-16
   days on market $222,000 Active 11 DOM
5. 2026-06-15
   days on market $222,000 Active 10 DOM
6. 2026-06-13
   days on market $222,000 Active 8 DOM
7. 2026-06-12
   days on market $222,000 Active 7 DOM
8. 2026-06-09
   days on market $222,000 Active 4 DOM
9. 2026-06-09
   remarks 699-char remark
10. 2026-06-08
    days on market $222,000 Active 3 DOM
11. 2026-06-07
    days on market $222,000 Active 2 DOM
12. 2026-06-07
    remarks 679-char remark
13. 2026-06-07
    listed $222,000 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: $3,053 · $254/mo
• Projected year-2 tax: $3,402 · $284/mo
• Expected delta: +$350/yr (+$29/mo · 11.5%)

ⓘ 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 · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 4/10 Moderate 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 7% 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: $27,540
• − Mortgage interest: −$12,435
• − Property taxes: −$3,053
• − Insurance: −$1,110
• − Repairs & maintenance: −$2,203
• − Management: −$2,203
• − Depreciation: −$6,458
• Taxable income: $77
• Est. tax owed @ 24.0%: −$19
• After-tax cash flow: $3,605/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: Schodack Central School District
• NCES district ID: 3626070
• Math proficiency: 59% ▼ -7.00%
• Reading proficiency: 60% ▲ 7.00%
• Median HH income: $73,695
• Composite: 52.93/100
• National rank: #1530
• State rank: #216 of 590 in NY

Livability — Castleton-on-Hudson

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

Census & demographics

• Census place: Castleton-on-Hudson, NY
• Population (ZIP): 7,772

Population outlook (Rensselaer County) Hauer SSP2

• Today (2025): 162,400 people
• By 2030: 161,746 · -0.4%
• By 2040: 158,095 · -2.7%
• By 2050: 152,966 · -5.8%
• By 2075: 140,767 · -13.3%
• By 2100: 124,727 · -23.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Hispanic / Latino 8% Two or more races 5% Black 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2% Dominican 2%
• Common ancestry: Iranian 8% Romanian 7% Lithuanian 5%
• Foreign-born: 3% · Canada
• Languages at home: 92% English-only · Spanish 7% German/W. Germanic 1%

Political lean MEDSL · Rensselaer

• 2024 margin: Toss-up / Even · D 50.7% · R 49.3%
• 2008→2024 swing: -8.0pp toward R · 2008: 9.3pp · 2024: 1.4pp
• All cycles: 2024: D+1.4 2020: D+5.6 2016: R+2.9 2012: D+11.8 2008: D+9.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.57%
• Current HPI: 306.386
• 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

+129.1% since first listed

14 events — show timeline

• 2026-06-05 Listed $222,000 Global MLS
• 2014-04-04 Sold (MLS) $40,000 Global MLS
• 2014-02-18 Listing Removed — Global MLS
• 2013-09-13 Listed $49,900 Global MLS
• 2013-02-05 Listing Removed — Global MLS
• 2012-05-21 Listed $79,000 Global MLS
• 2011-01-01 Listing Removed — Global MLS
• 2010-10-18 Listing Removed — Global MLS
• 2010-10-18 Listed $124,900 Global MLS
• 2010-07-22 Listed $121,000 Global MLS
• 2006-11-17 Sold (Public Records) $90,000 Public Records
• 2006-11-15 Sold (MLS) $85,000 Global MLS
• 2006-10-03 Listing Removed — Global MLS
• 2006-01-23 Listed $96,900 Global MLS

Property tax history

-0.8%/yr

Latest (2025): $3,053 · -16.5% YoY. Source: county tax records.