13 Green St · Potsdam, NY 13676

$170,000

3 bd · 1.0 ba · 1,666 sqft · SingleFamily public records · 270 Days on market

Built 1955 0.47 ac lot $102/sqft · 13% below area Est $195k · 13% under

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Why this score? — see what drove the D+ 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).

• ARV discount +13.2/15.0
• Appreciation +10.0/10.0
• Cash flow +7.1/30.0
• Schools +5.0/10.0
• Livability +3.8/5.0
• 1% rule +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.3/10.0

Listing remarks MLS

WELCOME TO 13 GREEN STREET, POTSDAM! This 4 bedroom, 1 bathroom home features hardwood floors {some are refinished}, an open concept living area with new tongue and groove ceilings, a gas fireplace, a back deck, a shed, a 2 car attached garage, a paved driveway and a lovely yard is located on a dead end street in West Stockholm. Just minutes from Potsdam and in Potsdam School District. Step inside the front door and you will see the spacious living room with gas fireplace and large windows for lots of natural light. The living room flows into the kitchen with room for a table or an island. The stove, dishwasher and refrigerator convey with the home. Upstairs you will find 4 bedrooms and the bathroom. In the basement you will see the utility room with the washer and dryer {they convey with the home}, the propane hot water heater and the boiler. Off that room is the attached 2 car garage for your convenience. Outside you will enjoy having your morning coffee on the front porch or on the back deck. The lovely back yard has ample room for BBQ's and bonfires. There is a shed in the back yard as well for storage. There have been some updates in the home and it is ready for new owner, so schedule your showing soon!

Key facts

• Shed
• Gas fireplace
• Paved driveway

Tags

• HARDWOOD FLOORS
• OPEN CONCEPT LIVING AREA
• GAS FIREPLACE
• BACK DECK
• SHED
• PAVED DRIVEWAY

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $170k.

Deal economics

• At list price, monthly cash flow is $-242 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $127k (25.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $139k (18.3% below list).
• Recommended offer: $127k (25.1% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 75/100 on livability (#249 in NY, #3,908 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, health & safety A+; Watch: crime F, commute F, employment F.
• Potsdam Central School District (town): math 53% / reading 66% proficiency, ranked #258 of 590 in NY (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 118 active listings in the ZIP; 215 units permitted in St. Lawrence County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $17k appreciation (10.0% local appreciation)).
• St. Lawrence County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• By year 3, paydown + projected appreciation supports a ~$46k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 270 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $85k; list at $170k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: property tax is 2.7% of price; built in 1955 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $127,301 (25.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 270 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. Built in 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
8. 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?
9. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
10. 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.
11. 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.
12. 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: 0.82% ✗
• Cap rate: 4.59%
• Cash-on-cash: -6.09%
• DSCR: 0.73
• GRM: 10.2

CMA / ARV

• ARV (median comp): $194,826
• List price: $170,000
• Delta: -12.74%
• Verdict: UNDERPRICED
• Comps: 8 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
12 Green St	0.03mi	3/2.0	1,680 (+1%)	20mo	$125,000	$74	77

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: 20.0%
• Equity multiple: 2.62×
• Total profit: $77,314
• Equity at exit: $153,149

10-year hold

• IRR: 18.3%
• Equity multiple: 6.04×
• Total profit: $240,026
• Equity at exit: $330,273

Cash invested: $47,600 (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 13676

• Home prices YoY: 17.7%
• Active inventory: 118
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,390 medium
• Mortgage (P&I): −$891
• Tax from tax record: −$377 /mo · $4,526/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $-242

Break-even live

Break-even rent $1,696

Max offer price $127,301

Occupancy floor —

Sensitivity live

Price	-10% $-145	-5% $-194	+0% $-242	+5% $-290	+10% $-338
Rent	-10% $-351	-5% $-297	+0% $-242	+5% $-187	+10% $-132
Rate	-1.0pp $-156	-0.5pp $-198	base $-242	+0.5pp $-286	+1.0pp $-331

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $170,000 Active 270 DOM
2. 2026-06-18
   days on market $170,000 Active 268 DOM
3. 2026-06-17
   days on market $170,000 Active 267 DOM
4. 2026-06-16
   days on market $170,000 Active 266 DOM
5. 2026-06-15
   days on market $170,000 Active 265 DOM
6. 2026-06-13
   days on market $170,000 Active 263 DOM
7. 2026-06-12
   days on market $170,000 Active 262 DOM
8. 2026-06-09
   days on market $170,000 Active 259 DOM
9. 2026-06-08
   days on market $170,000 Active 258 DOM
10. 2026-06-07
    days on market $170,000 Active 257 DOM
11. 2026-06-07
    days on market $170,000 Active 256 DOM
12. 2026-06-04
    days on market $170,000 Active 253 DOM
13. 2026-06-02
    days on market $170,000 Active 252 DOM
14. 2026-06-01
    days on market $170,000 Active 251 DOM
15. 2026-05-31
    days on market $170,000 Active 250 DOM
16. 2026-05-15
    price $170,000 1227-char remark

    Show marketing remark (1227 chars)

    WELCOME TO 13 GREEN STREET, POTSDAM! This 4 bedroom, 1 bathroom home features hardwood floors {some are refinished}, an open concept living area with new tongue and groove ceilings, a gas fireplace, a back deck, a shed, a 2 car attached garage, a paved driveway and a lovely yard is located on a dead end street in West Stockholm. Just minutes from Potsdam and in Potsdam School District. Step inside the front door and you will see the spacious living room with gas fireplace and large windows for lots of natural light. The living room flows into the kitchen with room for a table or an island. The stove, dishwasher and refrigerator convey with the home. Upstairs you will find 4 bedrooms and the bathroom. In the basement you will see the utility room with the washer and dryer {they convey with the home}, the propane hot water heater and the boiler. Off that room is the attached 2 car garage for your convenience. Outside you will enjoy having your morning coffee on the front porch or on the back deck. The lovely back yard has ample room for BBQ's and bonfires. There is a shed in the back yard as well for storage. There have been some updates in the home and it is ready for new owner, so schedule your showing soon!

17. 2026-04-25
    status Active 1227-char remark

    Show marketing remark (1227 chars)

    WELCOME TO 13 GREEN STREET, POTSDAM! This 4 bedroom, 1 bathroom home features hardwood floors {some are refinished}, an open concept living area with new tongue and groove ceilings, a gas fireplace, a back deck, a shed, a 2 car attached garage, a paved driveway and a lovely yard is located on a dead end street in West Stockholm. Just minutes from Potsdam and in Potsdam School District. Step inside the front door and you will see the spacious living room with gas fireplace and large windows for lots of natural light. The living room flows into the kitchen with room for a table or an island. The stove, dishwasher and refrigerator convey with the home. Upstairs you will find 4 bedrooms and the bathroom. In the basement you will see the utility room with the washer and dryer {they convey with the home}, the propane hot water heater and the boiler. Off that room is the attached 2 car garage for your convenience. Outside you will enjoy having your morning coffee on the front porch or on the back deck. The lovely back yard has ample room for BBQ's and bonfires. There is a shed in the back yard as well for storage. There have been some updates in the home and it is ready for new owner, so schedule your showing soon!

18. 2025-10-13
    price $175,000 1227-char remark

    Show marketing remark (1227 chars)

    WELCOME TO 13 GREEN STREET, POTSDAM! This 4 bedroom, 1 bathroom home features hardwood floors {some are refinished}, an open concept living area with new tongue and groove ceilings, a gas fireplace, a back deck, a shed, a 2 car attached garage, a paved driveway and a lovely yard is located on a dead end street in West Stockholm. Just minutes from Potsdam and in Potsdam School District. Step inside the front door and you will see the spacious living room with gas fireplace and large windows for lots of natural light. The living room flows into the kitchen with room for a table or an island. The stove, dishwasher and refrigerator convey with the home. Upstairs you will find 4 bedrooms and the bathroom. In the basement you will see the utility room with the washer and dryer {they convey with the home}, the propane hot water heater and the boiler. Off that room is the attached 2 car garage for your convenience. Outside you will enjoy having your morning coffee on the front porch or on the back deck. The lovely back yard has ample room for BBQ's and bonfires. There is a shed in the back yard as well for storage. There have been some updates in the home and it is ready for new owner, so schedule your showing soon!

19. 2025-09-16
    listed $190,000 Active 1227-char remark

    Show marketing remark (1227 chars)

    WELCOME TO 13 GREEN STREET, POTSDAM! This 4 bedroom, 1 bathroom home features hardwood floors {some are refinished}, an open concept living area with new tongue and groove ceilings, a gas fireplace, a back deck, a shed, a 2 car attached garage, a paved driveway and a lovely yard is located on a dead end street in West Stockholm. Just minutes from Potsdam and in Potsdam School District. Step inside the front door and you will see the spacious living room with gas fireplace and large windows for lots of natural light. The living room flows into the kitchen with room for a table or an island. The stove, dishwasher and refrigerator convey with the home. Upstairs you will find 4 bedrooms and the bathroom. In the basement you will see the utility room with the washer and dryer {they convey with the home}, the propane hot water heater and the boiler. Off that room is the attached 2 car garage for your convenience. Outside you will enjoy having your morning coffee on the front porch or on the back deck. The lovely back yard has ample room for BBQ's and bonfires. There is a shed in the back yard as well for storage. There have been some updates in the home and it is ready for new owner, so schedule your showing soon!

20. 2008-03-04
    soldstatus $85,000

ⓘ 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: $4,526 · $377/mo
• Projected year-2 tax: $4,526 · $377/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 · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 2/10 Low 7 d/yr ≥93°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,675
• − Mortgage interest: −$9,523
• − Property taxes: −$4,526
• − Insurance: −$850
• − Repairs & maintenance: −$1,334
• − Management: −$1,334
• − Depreciation: −$4,945
• Taxable loss: −$5,837
• Est. tax savings @ 24.0%: +$1,401
• After-tax cash flow: $-1,500/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: Potsdam Central School District
• NCES district ID: 3623670
• Math proficiency: 53% ▼ -2.00%
• Reading proficiency: 66% ▲ 12.00%
• Median HH income: $44,144
• Composite: 50.05/100
• National rank: #1915
• State rank: #258 of 590 in NY

Livability — Potsdam

• Score: 75/100
• State rank: #249
• US rank: #3908

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 2,123
• Population (ZIP): 13,408

Population outlook (St. Lawrence County) Hauer SSP2

• Today (2025): 110,027 people
• By 2030: 107,455 · -2.3%
• By 2040: 100,492 · -8.7%
• By 2050: 94,254 · -14.3%
• By 2075: 80,175 · -27.1%
• By 2100: 63,140 · -42.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Two or more races 4% Asian 3% Hispanic / Latino 2% Black 2%
• Common ancestry: Lithuanian 6% Romanian 4% Iranian 2%
• Foreign-born: 7% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · St. Lawrence

• 2024 margin: R (+18.0) · D 41.0% · R 59.0%
• 2008→2024 swing: -34.3pp toward R · 2008: 16.3pp · 2024: -18.0pp
• All cycles: 2024: R+18.0 2020: R+11.7 2016: R+10.8 2012: D+16.6 2008: D+16.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 48.01%
• Current HPI: 318.7704
• 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

+100.0% since first listed

5 events — show timeline

• 2026-05-15 Price Changed $170,000 SLCMLS
• 2026-04-25 Relisted — SLCMLS
• 2025-10-13 Price Changed $175,000 SLCMLS
• 2025-09-16 Listed $190,000 SLCMLS
• 2008-03-04 Sold (Public Records) $85,000 Public Records

Property tax history

+2.0%/yr

Latest (2025): $4,526 · +4.5% YoY. Source: county tax records.