200 Lowndes Ave Unit A · Huntington Station, NY 11746

$275,000

2 bd · 1.0 ba · 900 sqft · Townhouse · 17 Days on market

Built 1971 2.40 ac lot Est $495k · 44% under ↓ 5% since listing

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Why this score? — see what drove the B+ 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 +29.9/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +7.4/10.0
• Schools +4.6/10.0
• Livability +4.0/5.0
• Rent growth +3.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 200 Lowndes Avenue, Unit A, Huntington Station! This well-maintained first-floor co-op offers approximately 900 square feet of comfortable living space, featuring 2 bedrooms and 1 full bathroom. The bright and inviting living room creates a warm and welcoming atmosphere, while the generously sized bedrooms provide ample space and comfort. A unique feature of this unit is its separate private entrance and separate exit, offering added convenience, accessibility, and privacy. Ideally located near the Long Island Rail Road (LIRR), major highways, shopping, dining, and the vibrant Huntington Village, this home combines comfort with convenience. Enjoy the benefits of low-maintenance l

Key facts

• Near dining
• Near shopping
• Near major highways

Tags

• PRIVATE ENTRANCE
• DEDICATED PARKING
• NEAR LONG ISLAND RAIL ROAD
• NEAR MAJOR HIGHWAYS
• NEAR SHOPPING
• NEAR DINING

Property features AI

Exterior

• Parking: Assigned parking (1 space)
• Utilities: Public sewer; Water available
• Home design: Stock cooperative
• Exterior features: Aluminum siding; Not waterfront

Interior

• Kitchen: Convection oven
• Bedrooms: Entry level: 2
• Bathrooms: 1 full bathroom
• Heating & cooling: Baseboard heating; Wall/window unit cooling
• Interior features: Eat-in kitchen; No basement; Pets allowed

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath townhouse listed at $275k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $275k).
• Recommended offer: $271k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.8% vs local median 4.1% in Huntington Station — 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 79/100 on livability (#126 in NY, #2,028 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, housing A+; Watch: amenities D, cost of living F.
• Huntington Union Free School District (suburban): math 45% / reading 52% proficiency, ranked #328 of 590 in NY (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: J Taylor Finley Middle School (math 25% / reading 44%, grade F, #483 of 729 statewide, top 68%, 623 students, 58% FRL); Huntington High School (math 91% / reading 92%, grade A+, #197 of 1,100 statewide, top 18%, 1,410 students, 56% FRL) — zoned schools average 57% FRL vs 34% district-wide (24 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 63% at this address vs 48% district-wide (+14 pts) — the actual schools serving this property are materially stronger than the Huntington Union Free School District average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+4.5%/yr); 308 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 1,366 units permitted in Suffolk County in 2024 (216 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Suffolk County population projected to shrink 5% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 4.5% rent growth), your $77k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 17 days — a 2% lower offer ($271k) is reasonable based on typical stale-listing flexibility.
• 7 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.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 78% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $270,875 (1.5% below list)

Questions for the listing agent

1. Built in 1971 — 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. 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.
5. 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.
6. 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: 1.24% ✓
• Cap rate: 10.75%
• Cash-on-cash: 15.92%
• DSCR: 1.71
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $495,000
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
71 Biltmore Cir #71	0.19mi	2/2.0	998 (+11%)	4mo	$500,000	$501	66
19 Biltmore Cir #19	0.28mi	2/2.0	1,000 (+11%)	6mo	$550,000	$550	59

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 · 4.54% rent growth · sell at horizon

5-year hold

• IRR: 8.4%
• Equity multiple: 1.33×
• Total profit: $25,760
• Equity at exit: $41,003

10-year hold

• IRR: 18.8%
• Equity multiple: 2.67×
• Total profit: $128,522
• Equity at exit: $23,777

Cash invested: $77,000 (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 11746

• Rents YoY: 4.5%
• Active inventory: 308
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $3,406 high
• Mortgage (P&I): −$1,442
• Tax from tax record: −$113 /mo · $1,352/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$715
• Net cashflow: $1,021

Break-even live

Break-even rent $2,113

Max offer price $275,000

Occupancy floor 65%

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: $68,750
• Closing costs: $8,250
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1100 New York Ave Unit 204 Huntington Station, NY	1.0	1.0	777	$3,350	$4.31	12d	1	0.12mi
1100 New York Ave Unit 104 Huntington Station, NY	1.0	1.0	760	$3,300	$4.34	1d	1	0.12mi
1090 New York Ave Unit Penthouse Huntington Station, NY	2.0	1.0	1000	$3,975	$3.98	44d	1	0.13mi
1080 New York Ave #206 Huntington Station, NY	1.0	1.0	640	$3,000	$4.69	17d	1	0.13mi
16 Corlett Pl Huntington Station, NY	1.0	1.0	950	$2,300	$2.42	1d	1	0.40mi
780 New York Ave Unit A Huntington, NY	1.0	1.0	530	$3,500	$6.60	24d	1	0.44mi
780 New York Ave Unit B Huntington, NY	2.0	1.0	812	$4,300	$5.30	24d	1	0.44mi
156 E Pulaski Rd Huntington Station, NY	2.0–3.0	1.0	936	$2,445	$2.61	1d	11	0.70mi
7 Virginia Ave Huntington, NY	1.0	1.0	550	$2,500	$4.55	1d	1	0.71mi
1700 E 5th St Huntington Station, NY	1.0–3.0	1.0–2.0	1277	$4,219	$3.30	1d	1	0.78mi
58 Caldwell St Huntington Station, NY	2.0	1.0	850	$3,000	$3.53	44d	1	0.91mi
10 Vilno Ct Unit 2 Huntington Station, NY	3.0	1.0	1000	$3,500	$3.50	1d	1	0.93mi
1 E Carver St Huntington, NY	3.0	1.0	1060	$3,875	$3.66	15d	1	1.16mi
356 New York Ave Unit 1 Huntington, NY	2.0	1.0	931	$4,250	$4.56	1d	1	1.21mi
15 Ingersoll St Huntington Station, NY	1.0	1.0	850	$2,150	$2.53	11d	1	1.33mi
30 Stewart Ave Huntington, NY	2.0	2.0	1100	$6,152	$5.59	1d	1	1.34mi
28 Gerard St Huntington, NY	2.0	1.0–2.0	961	$5,968	$6.21	1d	1	1.36mi

Listing history 13 events

1. 2026-06-18
   days on market $275,000 Active 17 DOM
2. 2026-06-17
   days on market $275,000 Active 16 DOM
3. 2026-06-16
   days on market $275,000 Active 15 DOM
4. 2026-06-15
   days on market $275,000 Active 14 DOM
5. 2026-06-13
   days on market $275,000 Active 12 DOM
6. 2026-06-13
   days on market $275,000 Active 11 DOM
7. 2026-06-09
   days on market $275,000 Active 8 DOM
8. 2026-06-08
   days on market $275,000 Active 7 DOM
9. 2026-06-07
   days on market $275,000 Active 6 DOM
10. 2026-06-04
    days on market $275,000 Active 3 DOM
11. 2026-06-03
    days on market $275,000 Active 2 DOM
12. 2026-06-02
    remarks 699-char remark
13. 2026-06-02
    listed $275,000 Active 1 DOM

ⓘ 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: $1,352 · $113/mo
• Projected year-2 tax: $3,000 · $250/mo
• Expected delta: +$1,648/yr (+$137/mo · 121.9%)

ⓘ 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 5/10 Major 7 d/yr ≥97°F today · 15 d/yr by 30 yrs out
• 💨 Wind 7/10 Severe 78% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $40,873
• − Mortgage interest: −$15,404
• − Property taxes: −$1,352
• − Insurance: −$1,375
• − Repairs & maintenance: −$3,270
• − Management: −$3,270
• − Depreciation: −$8,000
• Taxable income: $8,202
• Est. tax owed @ 24.0%: −$1,968
• After-tax cash flow: $10,289/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: Huntington Union Free School District
• NCES district ID: 3615090
• Math proficiency: 45% ▼ -8.00%
• Reading proficiency: 52% ▼ -1.00%
• Median HH income: $93,547
• Composite: 45.68/100
• National rank: #2578
• State rank: #328 of 590 in NY

Livability — Huntington Station

• Score: 79/100
• State rank: #126
• US rank: #2028

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Huntington Station, NY
• County: Suffolk County · 679,920 people
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 65,747
• Household income: $164,589
• Rent vs Own: 14.2% rent · 85.8% own
• Severe rent burden: 627.0

Population outlook (Suffolk County) Hauer SSP2

• Today (2025): 1,505,262 people
• By 2030: 1,498,318 · -0.5%
• By 2040: 1,471,101 · -2.3%
• By 2050: 1,424,848 · -5.3%
• By 2075: 1,337,157 · -11.2%
• By 2100: 1,217,720 · -19.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 61% Hispanic / Latino 19% Two or more races 10% Asian 8% Black 7% Native American 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Romanian 5% Scotch-Irish 3% Italian 1%
• Foreign-born: 20% · Canada, China, Jamaica
• Languages at home: 70% English-only · Spanish 15% Other Indo-European 6% Chinese 2%

Political lean MEDSL · Suffolk

• 2024 margin: Lean R (+10.0) · D 45.0% · R 55.0%
• 2008→2024 swing: -16.0pp toward R · 2008: 6.0pp · 2024: -10.0pp
• All cycles: 2024: R+10.0 2020: R+0.0 2016: R+8.2 2012: D+2.9 2008: D+6.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -715.60%
• Current HPI: 317.5657
• Rent YoY: ▲ 4.54%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• 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

-5.2% since first listed

14 events — show timeline

• 2026-05-29 Listed $275,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-31 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-03-31 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-03-30 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-03-14 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-02-24 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-11-10 Pending — OneKey® MLS as Distributed by MLS Grid
• 2025-09-11 Listed $260,000 OneKey® MLS as Distributed by MLS Grid
• 2025-06-17 Price Changed $289,999 OneKey® MLS as Distributed by MLS Grid
• 2025-05-28 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-04-02 Pending — OneKey® MLS as Distributed by MLS Grid
• 2025-03-06 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-02-26 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-02-05 Coming Soon — OneKey® MLS as Distributed by MLS Grid

Property tax history

+1.4%/yr

Latest (2025): $1,352 · +0.0% YoY. Source: county tax records.