431 Post Ave · Rochester, NY 14619

$149,000

3 bd · 1.5 ba · 1,227 sqft · SingleFamily public records · 12 Days on market

Built 1910 4,613 sqft lot Est $147k · at est.

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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 +24.8/30.0
• DSCR +8.0/10.0
• ARV discount +7.0/15.0
• 1% rule +5.5/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

Key facts

• Half bath
• Refinished hardwoods
• Open front porch

Tags

• OPEN FRONT PORCH
• REFINISHED HARDWOODS
• STACKED SANDSTONE BACK SPLASH
• CHERRY CABINETRY
• VINYL PLANK FLOORING
• HALF BATH

Property features AI

Exterior

• Parking: No garage
• Utilities: Public water connected; Sewer connected; Electric service with circuit breakers
• Home design: 2-story existing home; Resale property; Rectangular lot; Lot dimensions approximately 37 x 123; Near public transit
• Construction: Wood siding; Copper plumbing; Asphalt roof; Block foundation; Built as existing (year built details listed as existing)
• Exterior features: Blacktop driveway; Partial fence; Porch; Open patio/porch

Interior

• Kitchen: Electric oven; Electric range; Microwave; Refrigerator; Range hood; Exhaust fan
• Bedrooms: Total rooms include living spaces such as living room, family room, office and laundry (7 total rooms); Basement level present
• Flooring: Hardwood; Vinyl; Varied flooring
• Bathrooms: 1 full bathroom; 1 half bathroom; 1 main-level bathroom
• Heating & cooling: Gas forced-air heating
• Interior features: Separate/formal dining room; Eat-in kitchen; Separate/formal living room; Home office; Open living/dining room; Solid surface counters; Programmable thermostat
• Laundry & utility: Washer and dryer; Laundry located in basement; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $313 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).

Location & tenants

• Location reads 76/100 on livability (#222 in NY, #3,482 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, crime F, employment F.
• Rochester City School District (urban): math 21% / reading 26% proficiency, ranked #589 of 590 in NY (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 48 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 45% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $4k 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 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 3y 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.

Risks & watch-outs

• Watch-outs: built in 1910 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $149,000

Questions for the listing agent

1. Built in 1910 — 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 D-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: 1.05% ✓
• Cap rate: 8.82%
• Cash-on-cash: 9.01%
• DSCR: 1.40
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $147,240
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
431 Post Ave	0.00mi	3/1.5	1,227 (0%)	1mo	$195,000	$159	99
715 Genesee Park Blvd	0.52mi	3/1.0	1,232 (+0%)	1mo	$146,000	$119	73
169 Westfield St	0.63mi	3/1.0	1,248 (+2%)	2mo	$192,500	$154	64
316 Ravenwood Ave	0.35mi	3/1.0	1,360 (+11%)	1mo	$175,000	$129	63
253 Garfield St	0.60mi	3/1.0	1,277 (+4%)	2mo	$149,900	$117	62
18 Melrose St	0.59mi	4/1.5 (+1)	1,286 (+5%)	2mo	$180,000	$140	58
149 Salina St	0.48mi	3/1.5	1,391 (+13%)	2mo	$100,000	$72	53
88 Monica St	0.54mi	4/1.0 (+1)	1,342 (+9%)	2mo	$97,500	$73	51
1025 Genesee Park Blvd	0.52mi	3/1.0	1,410 (+15%)	1mo	$210,000	$149	48
67 Wilbur St	0.75mi	4/2.0 (+1)	1,305 (+6%)	0mo	$141,800	$109	47
92 Sawyer St	0.68mi	3/1.5	1,388 (+13%)	2mo	$166,000	$120	44
790 Genesee St	0.66mi	4/2.0 (+1)	1,389 (+13%)	2mo	$145,000	$104	39

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: -2.7%
• Equity multiple: 0.90×
• Total profit: $-4,232
• Equity at exit: $22,216

10-year hold

• IRR: 7.0%
• Equity multiple: 1.52×
• Total profit: $21,839
• Equity at exit: $12,883

Cash invested: $41,720 (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 14619

• Home prices YoY: -10.0%
• Active inventory: 48
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,565 high
• Mortgage (P&I): −$781
• Tax from tax record: −$80 /mo · $954/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$329
• Net cashflow: $313

Break-even live

Break-even rent $1,168

Max offer price $149,000

Occupancy floor 75%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
132 Anthony St Rochester, NY	3.0	1.0	1260	$1,500	$1.19	3d	1	0.06mi
144 Flanders St Rochester, NY	2.0	1.0	900	$1,100	$1.22	21d	1	0.09mi
30 Flanders St Rochester, NY	3.0	1.5	1170	$1,650	$1.41	14d	1	0.10mi
485 Sawyer St Unit 1 Rochester, NY	3.0	1.0	1400	$1,900	$1.36	43d	1	0.17mi
485 Sawyer St Rochester, NY	3.0	1.0	1400	$1,900	$1.36	2d	1	0.17mi
444-450 Brooks Ave Unit 446 Rochester, NY	4.0	2.0	1150	$3,100	$2.70	10d	1	0.40mi
102 Virginia Ave Rochester, NY	4.0	1.5	1453	$2,150	$1.48	2d	1	0.57mi
190 Warwick Ave Rochester, NY	3.0	1.5	1240	$1,400	$1.13	43d	1	0.60mi
127 Congress Ave Rochester, NY	3.0	1.0	1200	$1,595	$1.33	43d	1	0.67mi
32 Stanton St Rochester, NY	3.0	1.0	1390	$1,500	$1.08	10d	1	0.75mi
255 Genesee Park Blvd Unit UP Rochester, NY	2.0	1.0	1032	$1,300	$1.26	14d	1	0.76mi
136 Garfield St Rochester, NY	3.0	1.0	1152	$1,200	$1.04	18d	1	0.77mi
73 Somerset St Rochester, NY	4.0	1.0	1000	$1,750	$1.75	43d	1	0.79mi
686 Seward St Rochester, NY	3.0	1.5	1166	$1,600	$1.37	43d	1	0.87mi
367 Hawley St Rochester, NY	4.0	1.5	1210	$1,395	$1.15	43d	1	0.87mi
90 Scottsville Rd Unit 1 Rochester, NY	2.0	1.0	1000	$1,750	$1.75	2d	1	0.88mi
192 Bartlett St Unit 192 Rochester, NY	3.0	1.0	1099	$1,295	$1.18	14d	1	0.94mi
193 Reynolds St Rochester, NY	3.0	1.5	1342	$1,800	$1.34	21d	1	1.23mi
802 Maple St Rochester, NY	2.0	1.5	1080	$1,800	$1.67	43d	1	1.24mi
478 Tremont St Rochester, NY	3.0	2.0	1424	$1,500	$1.05	43d	1	1.25mi
257 Hague St Unit 257 Rochester, NY	2.0	1.5	1080	$1,500	$1.39	43d	1	1.29mi
91 Reynolds St Unit 6 Rochester, NY	2.0	1.0	900	$1,100	$1.22	43d	1	1.36mi

Listing history 15 events

1. 2026-04-21
   status Pending
2. 2026-04-17
   historical Active Under Contract
3. 2026-04-09
   listed $149,000 Active
4. 2024-03-14
   soldstatus $165,000 Closed 1154-char remark

   Show marketing remark (1154 chars)

   Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

5. 2024-03-14
   soldstatus $165,000

   Show marketing remark (1154 chars)

   Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

6. 2024-02-16
   status Pending 1154-char remark

   Show marketing remark (1154 chars)

   Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

7. 2024-02-15
   historical 1154-char remark

   Show marketing remark (1154 chars)

   Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

8. 2024-02-02
   historical Active Under Contract 1154-char remark

   Show marketing remark (1154 chars)

   Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

9. 2024-01-26
   status Active 1154-char remark

   Show marketing remark (1154 chars)

   Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

10. 2024-01-24
    status Pending 1154-char remark

    Show marketing remark (1154 chars)

    Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

11. 2024-01-20
    status Active 1154-char remark

    Show marketing remark (1154 chars)

    Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

12. 2023-12-27
    status Pending 1154-char remark

    Show marketing remark (1154 chars)

    Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

13. 2023-12-06
    status Pending Sale 1154-char remark

    Show marketing remark (1154 chars)

    Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

14. 2023-11-26
    historical Continue to Show- Under Contract 1154-char remark

    Show marketing remark (1154 chars)

    Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

15. 2023-11-15
    listed $139,000 Active 1154-char remark

    Show marketing remark (1154 chars)

    Unmatched value. This 1910 charmer is not to be missed! Enter through the large open front porch. The warm and welcoming foyer offers views of the first floor. Completely updated from top to bottom. Original refinished hardwoods throughout. Living room leads to formal dining room. Eat in kitchen has stacked sandstone back splash, cherry cabinetry with modern hardware, and vinyl plank flooring. Charming and convenient half bath off kitchen with updated vanity and light fixtures. Follow the craftsman style wooden banister to the second floor and discover three bedrooms, plus BONUS office overlooking the front yard. NEW full bath completes the second floor features sparkling tile backsplash and shower surround, NEW vanity and hardware. Bright and neutral paint colors throughout. Full unfinished attic with stair access. Clean and dry basement includes washer/dryer and glass block windows. Partially fenced back yard with loads of potential. All furniture is negotiable and/or included. The home was used as an airbnb for a while. Delayed negotiation form on file. Please submit all offers by Wed 1/31/24 at 12pm. Please allow 24hrs for response.

ⓘ 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: $954 · $80/mo
• Projected year-2 tax: $1,736 · $145/mo
• Expected delta: +$782/yr (+$65/mo · 81.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥96°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: $18,779
• − Mortgage interest: −$8,346
• − Property taxes: −$954
• − Insurance: −$745
• − Repairs & maintenance: −$1,502
• − Management: −$1,502
• − Depreciation: −$4,335
• Taxable income: $1,394
• Est. tax owed @ 24.0%: −$335
• After-tax cash flow: $3,425/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: Rochester City School District
• NCES district ID: 3624750
• Math proficiency: 21% ▬ 0.00%
• Reading proficiency: 26% ▲ 4.00%
• Median HH income: $30,923
• Composite: 18.98/100
• National rank: #8850
• State rank: #589 of 590 in NY

Livability — Rochester

• Score: 76/100
• State rank: #222
• US rank: #3482

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rochester, NY
• City population: 432,803
• Population (ZIP): 14,223

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 Black (66%)
• Race & ethnicity: Black 66% White 20% Two or more races 8% Hispanic / Latino 6% Asian 1%
• Hispanic origin (detail): Puerto Rican 5%
• Common ancestry: Romanian 2% Swedish 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 92% English-only · Spanish 3% Arabic 1% French/Haitian/Cajun 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: ▼ -30.67%
• Current HPI: 276.3851
• 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

+7.2% since first listed

15 events — show timeline

• 2026-04-21 Pending — UNYREIS
• 2026-04-17 Contingent — UNYREIS
• 2026-04-09 Listed $149,000 UNYREIS
• 2024-03-14 Sold (Public Records) $165,000 Public Records
• 2024-03-14 Sold (MLS) $165,000 UNYREIS
• 2024-02-16 Pending — UNYREIS
• 2024-02-15 Listing Removed — UNYREIS
• 2024-02-02 Contingent — UNYREIS
• 2024-01-26 Relisted — UNYREIS
• 2024-01-24 Pending — UNYREIS
• 2024-01-20 Relisted — UNYREIS
• 2023-12-27 Pending — UNYREIS
• 2023-12-06 Pending — UNYREIS
• 2023-11-26 Contingent — UNYREIS
• 2023-11-15 Listed $139,000 UNYREIS

Property tax history

+3.9%/yr

Latest (2025): $954 · +0.0% YoY. Source: county tax records.