130 Springdale Ave · Jamestown, NY 14701

$115,000

3 bd · 1.0 ba · 1,170 sqft · SingleFamily public records · 44 Days on market

Built 1950 7,500 sqft lot $98/sqft · 19% below area Est $142k · 19% under

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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 +15.0/15.0
• DSCR +6.6/10.0
• 1% rule +6.3/10.0
• Livability +3.5/5.0
• Schools +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Location, location! Situated in the lovely Allen park area. Southside Jamestown Cape cod charm. This 3 bedroom home is highly efficient for low overhead and utility costs. Walking distance to the park and close proximity to Southside plaza. Back yard and patio enter right into the kitchen. First floor offers original wood parquet floor in excellent condition complimenting the formal living room. First floor bedroom. First floor laundry and utility room. Full bathroom on first floor features a modern tiled shower and vanity. Upstairs offers two more bedrooms with great closet space each. And a functional linen closet in the landing. Extremely maintained and maintenance free exterior provides a low input opportunity for a savvy buyer looking for a great neighborhood in the Southside of Jamestown.

Key facts

• Back yard
• First floor laundry
• Formal living room

Tags

• BACK YARD
• PATIO
• ORIGINAL WOOD PARQUET FLOOR
• FORMAL LIVING ROOM
• FIRST FLOOR LAUNDRY
• MODERN TILED SHOWER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $155 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $112k (3.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 16.6% in Jamestown — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.

Location & tenants

• Location reads 69/100 on livability (#470 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, amenities D, crime F.
• Jamestown City School District (town): math 33% / reading 42% proficiency, ranked #553 of 590 in NY (top 94%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 313 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 127 units permitted in Chautauqua County in 2024 (0 in 5+ unit buildings).
• This rent runs 31% of the median local income ($50k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Chautauqua County population projected at -22% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 44 days — a 3% lower offer ($112k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 10y ago; this cycle's ask has dropped $20k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $111,550 (3.0% below list)

Questions for the listing agent

1. It's been on market 44 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.13% ✓
• Cap rate: 7.91%
• Cash-on-cash: 5.77%
• DSCR: 1.26
• GRM: 7.4

CMA / ARV

• ARV (median comp): $142,311
• List price: $115,000
• Delta: -19.19%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
42 Allendale Ave	0.14mi	2/1.0 (-1)	1,160 (-1%)	8mo	$155,000	$134	80
104 Brad St	0.30mi	3/1.5	1,120 (-4%)	10mo	$89,900	$80	69
111 Springdale	0.05mi	3/1.0	1,008 (-14%)	7mo	$75,000	$74	68
34 Sanford Dr	0.73mi	3/1.5	1,201 (+3%)	1mo	$170,000	$142	59
91 Linwood Ave	0.50mi	2/1.5 (-1)	1,086 (-7%)	1mo	$14,500	$13	57
33 Gwendolin Ave	0.24mi	3/1.5	1,335 (+14%)	11mo	$165,360	$124	54
503 Hazzard St	0.60mi	3/1.5	1,246 (+6%)	10mo	$116,000	$93	51
161 Ivy St	0.50mi	3/2.0	1,040 (-11%)	6mo	$188,500	$181	49
59 Laurie Ln	0.57mi	3/2.0	1,050 (-10%)	8mo	$145,000	$138	46
405 Hebner St	0.75mi	3/1.5	1,260 (+8%)	8mo	$178,000	$141	44
21 Juliet St	0.63mi	2/1.0 (-1)	1,071 (-8%)	10mo	$101,800	$95	44
22 Linwood Ave	0.64mi	3/2.0	1,337 (+14%)	3mo	$90,000	$67	40

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: -7.3%
• Equity multiple: 0.73×
• Total profit: $-8,715
• Equity at exit: $17,147

10-year hold

• IRR: 2.3%
• Equity multiple: 1.17×
• Total profit: $5,368
• Equity at exit: $9,943

Cash invested: $32,200 (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 14701

• Home prices YoY: -18.5%
• Active inventory: 313
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,297 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$219 /mo · $2,631/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$272
• Net cashflow: $155

Break-even live

Break-even rent $1,102

Max offer price $115,000

Occupancy floor 83%

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
148 Maple St Jamestown, NY	3.0	1.0	1424	$1,350	$0.95	43d	1	0.77mi

Listing history 11 events

1. 2026-05-18
   status Pending 805-char remark

   Show marketing remark (805 chars)

   Location, location! Situated in the lovely Allen park area. Southside Jamestown Cape cod charm. This 3 bedroom home is highly efficient for low overhead and utility costs. Walking distance to the park and close proximity to Southside plaza. Back yard and patio enter right into the kitchen. First floor offers original wood parquet floor in excellent condition complimenting the formal living room. First floor bedroom. First floor laundry and utility room. Full bathroom on first floor features a modern tiled shower and vanity. Upstairs offers two more bedrooms with great closet space each. And a functional linen closet in the landing. Extremely maintained and maintenance free exterior provides a low input opportunity for a savvy buyer looking for a great neighborhood in the Southside of Jamestown.

2. 2026-05-03
   price $115,000 805-char remark

   Show marketing remark (805 chars)

   Location, location! Situated in the lovely Allen park area. Southside Jamestown Cape cod charm. This 3 bedroom home is highly efficient for low overhead and utility costs. Walking distance to the park and close proximity to Southside plaza. Back yard and patio enter right into the kitchen. First floor offers original wood parquet floor in excellent condition complimenting the formal living room. First floor bedroom. First floor laundry and utility room. Full bathroom on first floor features a modern tiled shower and vanity. Upstairs offers two more bedrooms with great closet space each. And a functional linen closet in the landing. Extremely maintained and maintenance free exterior provides a low input opportunity for a savvy buyer looking for a great neighborhood in the Southside of Jamestown.

3. 2026-04-21
   price $119,900 805-char remark

   Show marketing remark (805 chars)

   Location, location! Situated in the lovely Allen park area. Southside Jamestown Cape cod charm. This 3 bedroom home is highly efficient for low overhead and utility costs. Walking distance to the park and close proximity to Southside plaza. Back yard and patio enter right into the kitchen. First floor offers original wood parquet floor in excellent condition complimenting the formal living room. First floor bedroom. First floor laundry and utility room. Full bathroom on first floor features a modern tiled shower and vanity. Upstairs offers two more bedrooms with great closet space each. And a functional linen closet in the landing. Extremely maintained and maintenance free exterior provides a low input opportunity for a savvy buyer looking for a great neighborhood in the Southside of Jamestown.

4. 2026-04-09
   price $129,900 805-char remark

   Show marketing remark (805 chars)

   Location, location! Situated in the lovely Allen park area. Southside Jamestown Cape cod charm. This 3 bedroom home is highly efficient for low overhead and utility costs. Walking distance to the park and close proximity to Southside plaza. Back yard and patio enter right into the kitchen. First floor offers original wood parquet floor in excellent condition complimenting the formal living room. First floor bedroom. First floor laundry and utility room. Full bathroom on first floor features a modern tiled shower and vanity. Upstairs offers two more bedrooms with great closet space each. And a functional linen closet in the landing. Extremely maintained and maintenance free exterior provides a low input opportunity for a savvy buyer looking for a great neighborhood in the Southside of Jamestown.

5. 2026-04-04
   listed $134,900 Active 805-char remark

   Show marketing remark (805 chars)

   Location, location! Situated in the lovely Allen park area. Southside Jamestown Cape cod charm. This 3 bedroom home is highly efficient for low overhead and utility costs. Walking distance to the park and close proximity to Southside plaza. Back yard and patio enter right into the kitchen. First floor offers original wood parquet floor in excellent condition complimenting the formal living room. First floor bedroom. First floor laundry and utility room. Full bathroom on first floor features a modern tiled shower and vanity. Upstairs offers two more bedrooms with great closet space each. And a functional linen closet in the landing. Extremely maintained and maintenance free exterior provides a low input opportunity for a savvy buyer looking for a great neighborhood in the Southside of Jamestown.

6. 2025-04-17
   soldstatus $125,000 Closed 1059-char remark

   Show marketing remark (1059 chars)

   Cozy and quaint 3-bed/1-bath Cape Cod-style home, located in the beautiful Allen Park area with Jefferson Middle School conveniently located right in the backyard! The charming exterior has vinyl siding and a double wide driveway to accommodate multiple vehicles. Inside the homes you will find an updated eat-in kitchen and a large 1st-floor laundry room which contributes to the home's convenient 1st-floor living option with one of three bedrooms and the spacious full-bath with tiled shower all being located on this floor. The large living room has an option for an open concept living/dining set up or keep it as a designated living room with plenty of space for family and guests! Upstairs has two more spacious bedrooms, one with a large walk in closet to keep your wardrobe organized and easily accessible! The property has updated vinyl replacement windows and electric baseboard heat with utilities supplied by the Jamestown BPU. This home is ideal for those looking to enjoy a convenient and easy living in a well-maintained neighborhood location.

7. 2025-03-29
   status Pending 1059-char remark

   Show marketing remark (1059 chars)

   Cozy and quaint 3-bed/1-bath Cape Cod-style home, located in the beautiful Allen Park area with Jefferson Middle School conveniently located right in the backyard! The charming exterior has vinyl siding and a double wide driveway to accommodate multiple vehicles. Inside the homes you will find an updated eat-in kitchen and a large 1st-floor laundry room which contributes to the home's convenient 1st-floor living option with one of three bedrooms and the spacious full-bath with tiled shower all being located on this floor. The large living room has an option for an open concept living/dining set up or keep it as a designated living room with plenty of space for family and guests! Upstairs has two more spacious bedrooms, one with a large walk in closet to keep your wardrobe organized and easily accessible! The property has updated vinyl replacement windows and electric baseboard heat with utilities supplied by the Jamestown BPU. This home is ideal for those looking to enjoy a convenient and easy living in a well-maintained neighborhood location.

8. 2024-11-21
   listed $125,000 Active 1059-char remark

   Show marketing remark (1059 chars)

   Cozy and quaint 3-bed/1-bath Cape Cod-style home, located in the beautiful Allen Park area with Jefferson Middle School conveniently located right in the backyard! The charming exterior has vinyl siding and a double wide driveway to accommodate multiple vehicles. Inside the homes you will find an updated eat-in kitchen and a large 1st-floor laundry room which contributes to the home's convenient 1st-floor living option with one of three bedrooms and the spacious full-bath with tiled shower all being located on this floor. The large living room has an option for an open concept living/dining set up or keep it as a designated living room with plenty of space for family and guests! Upstairs has two more spacious bedrooms, one with a large walk in closet to keep your wardrobe organized and easily accessible! The property has updated vinyl replacement windows and electric baseboard heat with utilities supplied by the Jamestown BPU. This home is ideal for those looking to enjoy a convenient and easy living in a well-maintained neighborhood location.

9. 2016-08-22
   soldstatus $37,500
10. 2016-08-15
    soldstatus $37,500
11. 2016-07-06
    listed $41,500

ⓘ 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: $2,631 · $219/mo
• Projected year-2 tax: $2,631 · $219/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 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥91°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,570
• − Mortgage interest: −$6,442
• − Property taxes: −$2,631
• − Insurance: −$575
• − Repairs & maintenance: −$1,246
• − Management: −$1,246
• − Depreciation: −$3,345
• Taxable income: $85
• Est. tax owed @ 24.0%: −$20
• After-tax cash flow: $1,836/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: Jamestown City School District
• NCES district ID: 3615630
• Math proficiency: 33% ▼ -3.00%
• Reading proficiency: 42% ▲ 5.00%
• Median HH income: $32,240
• Composite: 30.69/100
• National rank: #6176
• State rank: #553 of 590 in NY

Livability — Jamestown

• Score: 69/100
• State rank: #470
• US rank: #8213

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jamestown, NY
• County: Chautauqua County · 38,461 people
• City population: 38,461
• Metro: Jamestown-Dunkirk-Fredonia, NY
• Population (ZIP): 38,461
• Household income: $49,685
• Rent vs Own: 42.8% rent · 57.2% own
• Severe rent burden: 1838.0

Population outlook (Chautauqua County) Hauer SSP2

• Today (2025): 123,454 people
• By 2030: 118,509 · -4.0%
• By 2040: 107,311 · -13.1%
• By 2050: 96,703 · -21.7%
• By 2075: 76,757 · -37.8%
• By 2100: 60,984 · -50.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 11% Two or more races 6% Black 3%
• Hispanic origin (detail): Puerto Rican 8%
• Common ancestry: Romanian 6% Lithuanian 2% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 92% English-only · Spanish 6% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Chautauqua

• 2024 margin: Strong R (+22.0) · D 39.0% · R 61.0%
• 2008→2024 swing: -22.9pp toward R · 2008: 0.9pp · 2024: -22.0pp
• All cycles: 2024: R+22.0 2020: R+19.8 2016: R+24.6 2012: R+8.2 2008: D+0.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -58.93%
• Current HPI: 259.402
• Rent YoY: —
• Metro: Jamestown-Dunkirk-Fredonia, 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

+177.1% since first listed

11 events — show timeline

• 2026-05-18 Pending — UNYREIS
• 2026-05-03 Price Changed $115,000 UNYREIS
• 2026-04-21 Price Changed $119,900 UNYREIS
• 2026-04-09 Price Changed $129,900 UNYREIS
• 2026-04-04 Listed $134,900 UNYREIS
• 2025-04-17 Sold (MLS) $125,000 UNYREIS
• 2025-03-29 Pending — UNYREIS
• 2024-11-21 Listed $125,000 UNYREIS
• 2016-08-22 Sold (MLS) $37,500 UNYREIS
• 2016-08-15 Sold (Public Records) $37,500 Public Records
• 2016-07-06 Listed $41,500 UNYREIS

Property tax history

-2.8%/yr

Latest (2025): $2,631 · +4.8% YoY. Source: county tax records.