6714 Rome Westmoreland Rd · Rome, NY 13440

$189,900

3 bd · 1.0 ba · 924 sqft · SingleFamily public records · 16 Days on market

Built 1941 1.20 ac lot $206/sqft · 9% above area Est $233k · 19% 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 +15.0/15.0
• Cash flow +10.0/30.0
• Schools +5.6/10.0
• Livability +3.2/5.0
• DSCR +2.9/10.0
• 1% rule +2.8/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home to this inviting 4-bedroom property located in the Westmoreland Central School District — offering the space, comfort, and peaceful setting that so many buyers are searching for. With approximately 1,236 square feet of living space, this home provides a flexible layout perfect for first-time buyers, growing families, or anyone looking for extra room to spread out. Inside, you’ll find a warm and welcoming atmosphere with spacious bedrooms, a functional layout, and plenty of opportunity to make the home your own. The kitchen offers ample cabinet space and flows into the main living area, creating a comfortable everyday living space for relaxing or gathering with fami

Key facts

• One car garage
• Large yard
• Storage shed

Tags

• PEACEFUL STREAM
• LARGE YARD
• SCENIC BACKYARD SETTING
• CONVENIENT LAUNDRY AREA
• ONE CAR GARAGE
• STORAGE SHED

Property features AI

Exterior

• Parking: Detached garage (1 car)
• Utilities: High-speed internet available; Circuit breaker electric; Septic tank; Well water
• Home design: Single-story home; Resale property
• Construction: Vinyl siding; Asphalt shingle roof; Block foundation; Existing structure
• Exterior features: Blacktop driveway; Deck; Shed(s)/storage

Interior

• Kitchen: Gas oven; Gas range; Dishwasher; Microwave; Refrigerator; Solid surface counters; Eat-in kitchen
• Bedrooms: 2 main-level bedrooms
• Flooring: Carpet; Hardwood; Laminate; Tile; Varied flooring
• Bathrooms: 1 full bathroom (main level)
• Heating & cooling: Gas heating; Baseboard heating; Forced air; Hot water heating
• Interior features: Ceiling fans; Eat-in kitchen; Separate/formal living room; Solid surface counters; Bedroom on main level; Full basement
• Laundry & utility: Washer; Dryer; Main-level laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $190k.

Deal economics

• At list price, monthly cash flow is $-113 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $170k (10.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $147k (22.5% below list).
• Recommended offer: $147k (22.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#722 in NY) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, amenities F, commute F.
• Westmoreland Central School District (rural): math 61% / reading 68% proficiency, ranked #173 of 590 in NY (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Deforest A Hill Primary School (169 students, 0% FRL); Westmoreland Upper Elementary School (math 60% / reading 68%, grade B, #658 of 2,108 statewide, top 31%, 237 students, 0% FRL); Donald H Crane Junior/Senior High School (math 62% / reading 67%, grade B-, #776 of 1,100 statewide, top 73%, 414 students, 0% FRL) — zoned schools average 0% FRL vs 24% district-wide (24 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: 278 active listings in the ZIP; 204 units permitted in Oneida County in 2024 (68 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 $6k of value loss. Plan a longer hold.
• Oneida County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($187k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 4y 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 $140k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1941 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $147,216 (22.5% 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. Built in 1941 — 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
6. 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.
7. 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.
8. 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: 0.78% ✗
• Cap rate: 5.58%
• Cash-on-cash: -2.56%
• DSCR: 0.89
• GRM: 10.7

CMA / ARV

• ARV (median comp): $233,166
• List price: $189,900
• Delta: -18.56%
• Verdict: UNDERPRICED
• Comps: 10 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6954 Rome Oriskany Rd	0.44mi	3/1.0	1,050 (+14%)	9mo	$284,500	$271	49

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: -20.6%
• Equity multiple: 0.29×
• Total profit: $-37,999
• Equity at exit: $28,315

10-year hold

• IRR: -13.8%
• Equity multiple: 0.20×
• Total profit: $-42,395
• Equity at exit: $16,419

Cash invested: $53,172 (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 13440

• Home prices YoY: -8.0%
• Active inventory: 278
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,472 medium
• Mortgage (P&I): −$996
• Tax from tax record: −$202 /mo · $2,418/yr
• Insurance: −$79
• HOA: −$0
• Vacancy / Maint / Mgmt: −$309
• Net cashflow: $-113

Break-even live

Break-even rent $1,616

Max offer price $169,854

Occupancy floor —

Sensitivity live

Price	-10% $-6	-5% $-60	+0% $-113	+5% $-167	+10% $-221
Rent	-10% $-230	-5% $-172	+0% $-113	+5% $-55	+10% $3
Rate	-1.0pp $-18	-0.5pp $-65	base $-113	+0.5pp $-163	+1.0pp $-213

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-21
   days on market $189,900 Active 16 DOM
2. 2026-06-19
   days on market $189,900 Active 14 DOM
3. 2026-06-18
   days on market $189,900 Active 13 DOM
4. 2026-06-17
   days on market $189,900 Active 12 DOM
5. 2026-06-16
   days on market $189,900 Active 11 DOM
6. 2026-06-15
   days on market $189,900 Active 10 DOM
7. 2026-06-14
   days on market $189,900 Active 8 DOM
8. 2026-06-13
   days on market $189,900 Active 7 DOM
9. 2026-06-10
   days on market $189,900 Active 5 DOM
10. 2026-06-09
    days on market $189,900 Active 4 DOM
11. 2026-06-08
    days on market $189,900 Active 3 DOM
12. 2026-06-07
    pricedays on marketlisting id $189,900 Active 2 DOM
13. 2026-06-03
    days on market $169,900 Active 8 DOM
14. 2026-06-02
    days on market $169,900 Active 7 DOM
15. 2026-06-01
    days on market $169,900 Active 6 DOM
16. 2026-05-31
    days on market $169,900 Active 5 DOM
17. 2026-05-30
    days on market $169,900 Active 4 DOM
18. 2026-05-06
    listed $189,900 Active 675-char remark
19. 2026-05-05
    historical
20. 2026-04-24
    listed $189,900 Active
21. 2022-06-30
    soldstatus $140,000
22. 2022-06-17
    soldstatus $140,000 Closed Sale or Rented
23. 2022-04-18
    status Under Contract- Do Not Show
24. 2022-04-03
    listed $130,000 Active

ⓘ 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: $2,418 · $202/mo
• Projected year-2 tax: $2,814 · $234/mo
• Expected delta: +$396/yr (+$33/mo · 16.4%)

ⓘ 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 3/10 Moderate 7 d/yr ≥94°F today · 16 d/yr by 30 yrs out
• 💨 Wind 1/10 Low 0% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,666
• − Mortgage interest: −$10,637
• − Property taxes: −$2,418
• − Insurance: −$950
• − Repairs & maintenance: −$1,413
• − Management: −$1,413
• − Depreciation: −$5,524
• Taxable loss: −$4,690
• Est. tax savings @ 24.0%: +$1,126
• After-tax cash flow: $-236/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: Westmoreland Central School District
• NCES district ID: 3631050
• Math proficiency: 61% ▼ -1.00%
• Reading proficiency: 68% ▲ 7.00%
• Median HH income: $64,671
• Composite: 56.19/100
• National rank: #1176
• State rank: #173 of 590 in NY

Livability — Rome

• Score: 64/100
• State rank: #722
• US rank: #13676

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rome, NY
• City population: 41,418
• Population (ZIP): 41,273

Population outlook (Oneida County) Hauer SSP2

• Today (2025): 225,223 people
• By 2030: 220,384 · -2.1%
• By 2040: 209,071 · -7.2%
• By 2050: 197,920 · -12.1%
• By 2075: 175,541 · -22.1%
• By 2100: 148,491 · -34.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 7% Two or more races 6% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4%
• Common ancestry: Romanian 9% Lithuanian 4% Slovak 1%
• Foreign-born: 3% · Canada, China
• Languages at home: 94% English-only · Spanish 3% Other Indo-European 1%

Political lean MEDSL · Oneida

• 2024 margin: Strong R (+21.3) · D 39.4% · R 60.6%
• 2008→2024 swing: -15.2pp toward R · 2008: -6.1pp · 2024: -21.3pp
• All cycles: 2024: R+21.3 2020: R+15.5 2016: R+21.1 2012: R+5.3 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -29.58%
• Current HPI: 339.3589
• 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

+46.1% since first listed

11 events — show timeline

• 2026-06-05 Listing Removed — CNYIS
• 2026-06-05 Listed $189,900 CNYIS
• 2026-05-26 Listed $169,900 CNYIS
• 2026-05-19 Listing Removed — CNYIS
• 2026-05-06 Listed $189,900 CNYIS
• 2026-05-05 Listing Removed — CNYIS
• 2026-04-24 Listed $189,900 CNYIS
• 2022-06-30 Sold (Public Records) $140,000 Public Records
• 2022-06-17 Sold (MLS) $140,000 CNYIS
• 2022-04-18 Pending — CNYIS
• 2022-04-03 Listed $130,000 CNYIS

Property tax history

+22.9%/yr

Latest (2025): $2,418 · +32.8% YoY. Source: county tax records.