66 Main St · Scottsville, NY 14546

$174,900

3 bd · 1.0 ba · 1,604 sqft · SingleFamily public records · 8 Days on market

Built 1900 0.85 ac lot Est $241k · 27% under

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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 +23.0/30.0
• ARV discount +15.0/15.0
• 1% rule +7.4/10.0
• DSCR +7.4/10.0
• Schools +4.5/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

Key facts

• Walk to local shops
• Expansive back yard
• Open family room

Tags

• NEARLY ONE ACRE LOT
• BEAUTIFUL MATURE TREES
• WALK TO LOCAL SHOPS
• OPEN FAMILY ROOM
• EXPANSIVE BACK YARD

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water connected; Sewer connected; Cable available; Circuit breaker electrical
• Home design: Two-story house; Existing/previously built property
• Construction: Vinyl siding; Copper plumbing; Block foundation; Asphalt/membrane/rubber/shingle roof
• Exterior features: Covered porch; Deck; Blacktop driveway; Shed(s)/storage; Rectangular lot (66 x 554)

Interior

• Kitchen: Electric oven; Electric range; Dishwasher; Refrigerator; Eat-in kitchen
• Bedrooms: One main-level bedroom
• Flooring: Hardwood; Carpet; Vinyl; Varies
• Bathrooms: One full bathroom (main level)
• Heating & cooling: Gas forced-air heating; Central air conditioning
• Interior features: Ceiling fan(s); Den; Separate/formal dining room; Eat-in kitchen; Combined living and dining area; Window treatments; Drapes; Thermal windows; Bedroom on main level
• Laundry & utility: Washer; Dryer; Laundry located in basement

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 $312 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Cap rate 8.4% vs local median 3.8% in Scottsville — 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 71/100 on livability (#409 in NY) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A-, cost of living B+; Watch: schools C-, amenities F, commute F.
• Wheatland-Chili Central School District (suburban): math 46% / reading 57% proficiency, ranked #341 of 590 in NY (top 58%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 20 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 1,169 units permitted in Monroe County in 2024 (591 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Monroe County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 12y 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 $110k; list at $175k implies a 59% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price; built in 1900 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $174,900

Questions for the listing agent

1. Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.24% ✓
• Cap rate: 8.43%
• Cash-on-cash: 7.64%
• DSCR: 1.34
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $240,600
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10 Church St	0.12mi	3/1.5	1,592 (-1%)	2mo	$200,000	$126	90
24 Wyvil Ave	0.24mi	3/1.5	1,560 (-3%)	8mo	$190,000	$122	76
45 Main St	0.05mi	4/2.0 (+1)	1,726 (+8%)	12mo	$170,000	$98	66
10 Browns Ave	0.22mi	4/2.0 (+1)	1,584 (-1%)	20mo	$275,000	$174	62
124 Heather Ln	0.51mi	3/2.0	1,600 (-0%)	13mo	$240,000	$150	61
37 Rochester St	0.42mi	4/1.5 (+1)	1,639 (+2%)	12mo	$260,000	$159	60
21 Rochester St	0.31mi	4/2.0 (+1)	1,698 (+6%)	9mo	$280,000	$165	59
12 Maple Ave	0.30mi	4/1.0 (+1)	1,496 (-7%)	16mo	$165,000	$110	56
62 Diana Dr	0.32mi	3/2.5	1,395 (-13%)	5mo	$275,000	$197	53
11 Caledonia Ave	0.36mi	3/1.5	1,800 (+12%)	11mo	$270,000	$150	51
615 North Rd	0.55mi	4/2.0 (+1)	1,818 (+13%)	3mo	$235,000	$129	41
43 Chili Ave	0.67mi	3/2.0	1,392 (-13%)	15mo	$250,000	$180	30

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.6%
• Equity multiple: 0.83×
• Total profit: $-8,339
• Equity at exit: $26,078

10-year hold

• IRR: 5.2%
• Equity multiple: 1.39×
• Total profit: $18,918
• Equity at exit: $15,122

Cash invested: $48,972 (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 14546

• Home prices YoY: -10.0%
• Active inventory: 20
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $2,172 medium
• Mortgage (P&I): −$917
• Tax from tax record: −$414 /mo · $4,966/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$456
• Net cashflow: $312

Break-even live

Break-even rent $1,777

Max offer price $174,900

Occupancy floor 81%

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: $43,725
• Closing costs: $5,247
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
300 Robert Quigley Dr Scottsville, NY	1.0–3.0	1.0–1.5	1075	$2,275	$2.12	3d	10	0.72mi

Listing history 28 events

1. 2026-06-07
   statusdays on market $174,900 Pending 8 DOM
2. 2026-06-03
   days on market $174,900 Active 7 DOM
3. 2026-06-03
   days on market $174,900 Active 6 DOM
4. 2026-06-01
   days on market $174,900 Active 5 DOM
5. 2026-05-31
   days on market $174,900 Active 4 DOM
6. 2026-05-27
   listed $174,900 Active
7. 2019-09-16
   soldstatus $109,900 Closed Sale or Rented 733-char remark

   Show marketing remark (733 chars)

   Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

8. 2019-09-16
   soldstatus $110,000

   Show marketing remark (733 chars)

   Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

9. 2019-07-17
   status Pending Sale 733-char remark

   Show marketing remark (733 chars)

   Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

10. 2019-06-25
    status Under Contract- Do Not Show 733-char remark

    Show marketing remark (733 chars)

    Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

11. 2019-06-21
    historical Continue to Show- Under Contract 733-char remark

    Show marketing remark (733 chars)

    Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

12. 2019-06-06
    listed $109,900 Active 733-char remark

    Show marketing remark (733 chars)

    Looking for a Historical Home with Tons of Character and Charm? Then, Welcome to 66 Main Street! This Beautiful Colonial Features 3 Bedrooms, 1 Full Bath, 1604 SQ FT, and is Situated on 0.85 Acres! Updated Chef’s Kitchen with Custom Maple Cabinets, Stainless Steel Appliances, and an Ample Amount of Storage! First Floor Bedroom and Full Bath Makes This Home Ideal for Single Level Living! Hardwood Flooring Throughout the First Floor! Spacious and Park Like Yard is Perfect for Any Outdoor Enthusiast! Soak Up the Sun or Entertain Guests All Summer on Your Private Back Deck! This One Won’t Last, Schedule Your Private Tour Today! Delayed showings until Saturday the 8th. Delayed Negotiating until Tuesday 11th at 7pm

13. 2018-03-13
    soldstatus $84,000
14. 2018-03-12
    soldstatus $84,000 Closed Sale or Rented 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

15. 2018-02-06
    status Pending Sale 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

16. 2018-01-29
    status Under Contract- Do Not Show 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

17. 2018-01-25
    status Active 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

18. 2018-01-15
    status Under Contract- Do Not Show 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

19. 2017-12-29
    price $89,900 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

20. 2017-12-26
    status Active 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

21. 2017-12-22
    status Under Contract- Do Not Show 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

22. 2017-11-20
    listed $99,900 Active 354-char remark

    Show marketing remark (354 chars)

    Beautiful Village home set back on a treed lot. Updated kitchen with maple cabinets and appliances. Large eat-in kitchen and formal dining room leading to a living room area. Family room with deck to the rear of the first floor. The front room could be used as a first floor bedroom. Two bedroom upstairs, one of which is very spacious. First floor bath.

23. 2015-12-09
    soldstatus $80,000 Closed Sale or Rented
24. 2015-12-07
    soldstatus $80,000
25. 2015-09-15
    status Pending Sale
26. 2015-06-24
    price $84,900
27. 2015-05-13
    listed $89,500 Active
28. 2014-10-17
    listed $99,900

ⓘ 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: $4,966 · $414/mo
• Projected year-2 tax: $4,966 · $414/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 (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥95°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,059
• − Mortgage interest: −$9,797
• − Property taxes: −$4,966
• − Insurance: −$874
• − Repairs & maintenance: −$2,085
• − Management: −$2,085
• − Depreciation: −$5,088
• Taxable income: $1,164
• Est. tax owed @ 24.0%: −$279
• After-tax cash flow: $3,460/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: Wheatland-Chili Central School District
• NCES district ID: 3631170
• Math proficiency: 46% ▲ 8.00%
• Reading proficiency: 57% ▲ 15.00%
• Median HH income: $57,303
• Composite: 44.69/100
• National rank: #2758
• State rank: #341 of 590 in NY

Livability — Scottsville

• Score: 71/100
• State rank: #409
• US rank: #7059

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scottsville, NY
• County: Monroe County · 674,131 people
• City population: 4,450
• Metro: Rochester, NY
• Population (ZIP): 4,450
• Household income: $95,046
• Rent vs Own: 34.4% rent · 65.6% own
• Severe rent burden: 55.0

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 759,460 people
• By 2030: 757,154 · -0.3%
• By 2040: 740,644 · -2.5%
• By 2050: 714,443 · -5.9%
• By 2075: 645,883 · -15.0%
• By 2100: 547,084 · -28.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (92%)
• Race & ethnicity: White 92% Two or more races 4% Black 3% Hispanic / Latino 2%
• Common ancestry: Romanian 5% Lithuanian 5% Iranian 4%
• Foreign-born: 2% · Canada
• Languages at home: 98% English-only · French/Haitian/Cajun 1% Spanish 1%

Political lean MEDSL · Monroe

• 2024 margin: D (+19.1) · D 59.5% · R 40.5%
• 2008→2024 swing: +1.4pp toward D · 2008: 17.7pp · 2024: 19.1pp
• All cycles: 2024: D+19.1 2020: D+21.0 2016: D+14.1 2012: D+17.4 2008: D+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -28.95%
• Current HPI: 260.4192
• Rent YoY: —
• Metro: Rochester, 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

+75.1% since first listed

23 events — show timeline

• 2026-05-27 Listed $174,900 UNYREIS
• 2019-09-16 Sold (Public Records) $110,000 Public Records
• 2019-09-16 Sold (MLS) $109,900 UNYREIS
• 2019-07-17 Pending — UNYREIS
• 2019-06-25 Pending — UNYREIS
• 2019-06-21 Contingent — UNYREIS
• 2019-06-06 Listed $109,900 UNYREIS
• 2018-03-13 Sold (Public Records) $84,000 Public Records
• 2018-03-12 Sold (MLS) $84,000 UNYREIS
• 2018-02-06 Pending — UNYREIS
• 2018-01-29 Pending — UNYREIS
• 2018-01-25 Relisted — UNYREIS
• 2018-01-15 Pending — UNYREIS
• 2017-12-29 Price Changed $89,900 UNYREIS
• 2017-12-26 Relisted — UNYREIS
• 2017-12-22 Pending — UNYREIS
• 2017-11-20 Listed $99,900 UNYREIS
• 2015-12-09 Sold (MLS) $80,000 UNYREIS
• 2015-12-07 Sold (Public Records) $80,000 Public Records
• 2015-09-15 Pending — UNYREIS
• 2015-06-24 Price Changed $84,900 UNYREIS
• 2015-05-13 Listed $89,500 UNYREIS
• 2014-10-17 Listed $99,900 UNYREIS

Property tax history

+1.4%/yr

Latest (2025): $4,966 · +1.5% YoY. Source: county tax records.