121/115 Kelder Hwy · Accord, NY 12461

$558,000

3 bd · 2.0 ba · 1,101 sqft · SingleFamily public records · 114 Days on market

Built 1979 6.11 ac lot $507/sqft · 21% above area Est $733k · 24% 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 +15.6/30.0
• ARV discount +15.0/15.0
• Appreciation +5.9/10.0
• Schools +5.2/10.0
• DSCR +4.8/10.0
• 1% rule +3.6/10.0
• Livability +3.3/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

Key facts

• Charming sunroom
• Circular driveway
• Scenic hudson valley

Tags

• FINISHED WALKOUT BASEMENT
• OUTDOOR ENTERTAINING AREAS
• CHARMING SUNROOM
• SEVEN-CAR GARAGE CAPACITY
• CIRCULAR DRIVEWAY
• SCENIC HUDSON VALLEY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $558k.

Deal economics

• At list price, monthly cash flow is $234 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $480k (14.0% below list).
• Recommended offer: $480k (14.0% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 3.9% in Accord — 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 66/100 on livability (#638 in NY) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, cost of living B+; Watch: schools D+, crime F, amenities F.
• Onteora Central School District (rural): math 58% / reading 59% proficiency, ranked #288 of 755 in NY (top 38%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 37 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 464 units permitted in Ulster County in 2024 (170 in 5+ unit buildings).

Forward outlook

• In year one you build about $14k of equity ($4k loan paydown + $10k appreciation (1.7% local appreciation)).
• Ulster County population projected at -14% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (1.7% appreciation + 3.0% rent growth), your $156k cash investment doubles in ~8 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 114 days — a 9% lower offer ($508k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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 $340k; list at $558k implies a 64% gain — meaningful room to come down on a strong offer.

Recommended offer $480,000 (14.0% below list)

Questions for the listing agent

1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Built in 1979 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.86% ✗
• Cap rate: 6.80%
• Cash-on-cash: 1.79%
• DSCR: 1.08
• GRM: 9.7

CMA / ARV

• ARV (median comp): $732,602
• List price: $558,000
• Delta: -23.83%
• Verdict: UNDERPRICED
• Comps: 11 within 1.0 mi

Projected returns pro-forma

1.73% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 5.5%
• Equity multiple: 1.29×
• Total profit: $45,377
• Equity at exit: $211,956

10-year hold

• IRR: 9.2%
• Equity multiple: 2.21×
• Total profit: $188,623
• Equity at exit: $299,091

Cash invested: $156,240 (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 12461

• Home prices YoY: 0.5%
• Active inventory: 37
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $4,800 medium
• Mortgage (P&I): −$2,926
• Tax from tax record: −$400 /mo · $4,797/yr
• Insurance: −$232
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,008
• Net cashflow: $234

Break-even live

Break-even rent $4,504

Max offer price $558,000

Occupancy floor 90%

Sensitivity live

Price	-10% $549	-5% $392	+0% $234	+5% $76	+10% $-82
Rent	-10% $-146	-5% $44	+0% $234	+5% $423	+10% $613
Rate	-1.0pp $515	-0.5pp $375	base $234	+0.5pp $89	+1.0pp $-58

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: $139,500
• Closing costs: $16,740
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
421 Brown Rd Olivebridge, NY	3.0	2.0	1120	$4,800	$4.29	44d	1	0.60mi

Listing history 23 events

1. 2026-06-17
   status $558,000 Pending 114 DOM
2. 2026-06-16
   days on market $558,000 Active Under Contract 114 DOM
3. 2026-06-15
   days on market $558,000 Active Under Contract 113 DOM
4. 2026-06-14
   days on market $558,000 Active Under Contract 111 DOM
5. 2026-06-12
   days on market $558,000 Active Under Contract 110 DOM
6. 2026-06-09
   days on market $558,000 Active Under Contract 107 DOM
7. 2026-06-08
   days on market $558,000 Active Under Contract 106 DOM
8. 2026-06-07
   days on market $558,000 Active Under Contract 105 DOM
9. 2026-06-05
   days on market $558,000 Active Under Contract 102 DOM
10. 2026-06-02
    days on market $558,000 Active Under Contract 100 DOM
11. 2026-06-01
    days on market $558,000 Active Under Contract 99 DOM
12. 2026-05-31
    days on market $558,000 Active Under Contract 98 DOM
13. 2026-05-30
    days on market $558,000 Active Under Contract 97 DOM
14. 2026-05-18
    historical Active Under Contract 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

15. 2026-05-18
    historical 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

16. 2026-05-08
    historical Active Under Contract 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

17. 2026-05-07
    historical 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

18. 2026-05-06
    historical Active Under Contract 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

19. 2026-04-30
    status Active 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

20. 2026-04-30
    price $558,000 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

21. 2026-04-30
    listed $558,000 Active

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

22. 2025-09-18
    listed $540,000 Active 1961-char remark

    Show marketing remark (1961 chars)

    Discover your own private retreat where modern convenience meets natural beauty in this exceptional 3-bedroom, 2-bathroom home. This stunning property offers an impressive array of amenities that make it perfect for both comfortable living and entertaining guests. The heart of this home showcases a spacious living area complemented by a large finished walkout basement, complete with its own cozy fireplace for those chilly evenings. The basement provides excellent additional living space complete with kitchette seamlessly connecting to the outdoor entertaining areas. Relax in the charming sunroom while enjoying serene pond views that change with the seasons. Storage enthusiasts will appreciate the incredible seven-car garage capacity, along with abundant additional storage throughout the property. A separate 2 bedroom, 1 bath additional unit won it's own 2.11 acre lot presents exciting rental opportunities, making this property both a wonderful home and potential income generator. The outdoor features truly set this property apart, including a peaceful pond that serves as the centerpiece of the beautifully landscaped grounds. A newly installed circular driveway provides elegant curb appeal and convenient access to both the main residence and additional structures. Located in the scenic Hudson Valley region, you'll be just minutes from Vernooy Falls Upper Cherrytown Trailhead and the Ashokan Resivoir, offering excellent hiking opportunities and natural exploration right at your doorstep. This location perfectly balances tranquil country living with accessibility to outdoor recreation. Whether you're seeking a primary residence, investment opportunity, or weekend getaway, this remarkable property offers endless possibilities in a truly beautiful setting that feels like your own private sanctuary. This property has 2 seperate deeded lots 115 Kelder is on 2 acres 121 Kelder is on 6.11 acres The garage are located with 121 Kelder

23. 2004-06-14
    soldstatus $339,900

ⓘ 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: $4,797 · $400/mo
• Projected year-2 tax: $7,113 · $593/mo
• Expected delta: +$2,317/yr (+$193/mo · 48.3%)

ⓘ 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 ≥95°F today · 15 d/yr by 30 yrs out
• 💨 Wind 3/10 Moderate 6% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $57,600
• − Mortgage interest: −$31,257
• − Property taxes: −$4,797
• − Insurance: −$2,790
• − Repairs & maintenance: −$4,608
• − Management: −$4,608
• − Depreciation: −$16,233
• Taxable loss: −$6,692
• Est. tax savings @ 24.0%: +$1,606
• After-tax cash flow: $4,409/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: Onteora Central School District
• NCES district ID: 3621840
• Math proficiency: 58% ▬ 0.00%
• Reading proficiency: 59% ▼ -3.00%
• Median HH income: $56,997
• Composite: 52.17/100
• National rank: #3482
• State rank: #288 of 755 in NY

Livability — Accord

• Score: 66/100
• State rank: #638
• US rank: #11891

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,426

Population outlook (Ulster County) Hauer SSP2

• Today (2025): 175,887 people
• By 2030: 171,876 · -2.3%
• By 2040: 161,771 · -8.0%
• By 2050: 151,470 · -13.9%
• By 2075: 133,023 · -24.4%
• By 2100: 113,504 · -35.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Two or more races 16% Hispanic / Latino 9%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Romanian 9% Lithuanian 8% Italian 3%
• Foreign-born: 3% · Canada
• Languages at home: 98% English-only · French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Ulster

• 2024 margin: D (+18.7) · D 59.3% · R 40.7%
• 2008→2024 swing: -4.9pp toward R · 2008: 23.6pp · 2024: 18.7pp
• All cycles: 2024: D+18.7 2020: D+20.9 2016: D+9.1 2012: D+21.9 2008: D+23.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.73%
• Current HPI: 346.6673
• 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

+64.2% since first listed

10 events — show timeline

• 2026-05-18 Contingent — HVCRMLS
• 2026-05-18 Delisted — HVCRMLS
• 2026-05-08 Contingent — HVCRMLS
• 2026-05-07 Delisted — HVCRMLS
• 2026-05-06 Contingent — HVCRMLS
• 2026-04-30 Relisted — HVCRMLS
• 2026-04-30 Price Changed $558,000 HVCRMLS
• 2026-04-30 Listed $558,000 HVCRMLS
• 2025-09-18 Listed $540,000 HVCRMLS
• 2004-06-14 Sold (Public Records) $339,900 Public Records

Property tax history

+0.8%/yr

Latest (2025): $4,797 · +7.3% YoY. Source: county tax records.