111 Rosewood Ter · Rochester, NY 14609

$129,900

3 bd · 1.5 ba · 1,322 sqft · SingleFamily public records · 8 Days on market

Built 1890 5,434 sqft lot Est $180k · 28% under ↓ 58% 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.0/10.0
• Rent growth +4.5/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Schools +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Completely renovated Roc Top Property! 3BR 1.1BA Beechwood STUNNER! Step inside this bright & beautifully remodeled Colonial boasting REFINISHED HARDWOODS & fresh paint throughout! Modernized white kitchen w custom subway tile backslash, Laminate counters w breakfast bar, brand new vinyl flooring! Thoughtfully Restored gum-wood trim, stained & leaded glass windows add charm to a contemporary, open concept first floor. Second floor w 3 generous sized, airy bedrooms! Classy full bath SPARKLES w new tiled shower, bead board accent walls, new white vanity & fixtures! Walk-up attic adds BONUS STORAGE space or finish for additional sq ft! SOLID MECHANICS- brand new vinyl thermopane windows through out, NEW ROOF & HW TANK, high efficiency furnace, updated electric! GRANT ELIGIBLE! Just bring your furniture & move right into maintenance free living today!

Key facts

• Formal dining room
• Walk-up attic
• Spacious living room

Tags

• QUIET NEIGHBORHOOD STREET
• SPACIOUS LIVING ROOM
• FORMAL DINING ROOM
• WALK-UP ATTIC
• ABUNDANT STORAGE SPACE

Property features AI

Exterior

• Parking: Detached garage (1 car)
• Utilities: Public water connected; Sewer connected; Cable available; High-speed internet available; Circuit breaker electric
• Home design: 2-story existing home
• Construction: Vinyl siding; Copper plumbing; Block foundation; Asphalt roof
• Exterior features: Blacktop driveway; Partial fence; Near public transit; Rectangular lot (40 x 135)

Interior

• Kitchen: Gas oven; Gas range; Range hood; Dishwasher; Refrigerator; Exhaust fan
• Bedrooms: Total of 8 rooms including family room and laundry (bedroom count not specified)
• Flooring: Hardwood; Laminate; Tile; Varies
• Bathrooms: 1 full bathroom; 1 half bathroom; 1 main-level bathroom
• Heating & cooling: Gas forced-air heating
• Interior features: Leaded glass and thermal windows; Breakfast bar; Separate/formal dining room
• Laundry & utility: Washer and dryer located in the basement; Gas water heater

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $130k.

Deal economics

• At list price, monthly cash flow is $505 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).

Location & tenants

• Location reads 76/100 on livability (#222 in NY, #3,482 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: schools D+, crime F, employment F.
• Rochester City School District (urban): math 21% / reading 26% proficiency, ranked #589 of 590 in NY (top 100%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 82% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+7.9%/yr); 199 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 1,169 units permitted in Monroe County in 2024 (591 in 5+ unit buildings).
• This rent runs 31% of the median local income ($65k/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 $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Monroe County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (-3.0% appreciation + 7.9% rent growth), your $36k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 6y 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.

Risks & watch-outs

• Watch-outs: built in 1890 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $129,900

Questions for the listing agent

1. Built in 1890 — 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. 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: 1.30% ✓
• Cap rate: 10.96%
• Cash-on-cash: 16.68%
• DSCR: 1.74
• GRM: 6.4

CMA / ARV

• ARV (on-the-fly): $179,792
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
157 Cummings St	0.45mi	3/2.0	1,272 (-4%)	2mo	$250,000	$197	69
865 N Goodman St	0.41mi	4/1.5 (+1)	1,245 (-6%)	2mo	$76,000	$61	65
281 Ellison St	0.44mi	4/3.0 (+1)	1,350 (+2%)	0mo	$184,000	$136	64
23 Martinot Ave	0.74mi	3/1.0	1,292 (-2%)	1mo	$255,000	$197	59
144 Peck St	0.74mi	3/1.5	1,264 (-4%)	0mo	$173,000	$137	58
363 Melville St	0.25mi	4/1.0 (+1)	1,500 (+14%)	1mo	$175,000	$117	58
265 Springfield Ave	0.65mi	4/1.5 (+1)	1,268 (-4%)	0mo	$200,000	$158	58
34 Woodrow Ave	0.73mi	3/1.5	1,406 (+6%)	1mo	$275,000	$196	54
1824 Clifford Ave	0.57mi	3/1.0	1,188 (-10%)	2mo	$62,500	$53	53
204 Salisbury St	0.59mi	4/1.5 (+1)	1,449 (+10%)	1mo	$187,460	$129	50
155 3rd St	0.72mi	4/1.0 (+1)	1,392 (+5%)	2mo	$67,500	$48	48
30 Newcomb St	0.68mi	3/2.0	1,502 (+14%)	1mo	$70,000	$47	43

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 · 7.89% rent growth · sell at horizon

5-year hold

• IRR: 13.0%
• Equity multiple: 1.55×
• Total profit: $19,830
• Equity at exit: $19,369

10-year hold

• IRR: 25.2%
• Equity multiple: 3.70×
• Total profit: $98,167
• Equity at exit: $11,231

Cash invested: $36,372 (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 14609

• Home prices YoY: -30.4%
• Rents YoY: 7.9%
• Active inventory: 199
• Price-to-rent: 6.4×

Monthly cashflow live

• Estimated rent: $1,686 high
• Mortgage (P&I): −$681
• Tax from tax record: −$91 /mo · $1,091/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $505

Break-even live

Break-even rent $1,046

Max offer price $129,900

Occupancy floor 65%

Sensitivity live

Price	-10% $579	-5% $542	+0% $505	+5% $469	+10% $432
Rent	-10% $372	-5% $439	+0% $505	+5% $572	+10% $639
Rate	-1.0pp $571	-0.5pp $539	base $505	+0.5pp $472	+1.0pp $438

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
195 Parsells Ave Rochester, NY	4.0	1.0	1413	$1,265	$0.90	4d	1	0.19mi
126 Parsells Ave Rochester, NY	3.0	1.0	1574	$1,800	$1.14	45d	1	0.24mi
126 Parsells Ave Rochester, NY	3.0	1.0	1574	$1,800	$1.14	22d	1	0.24mi
459-461 Parsells Ave Rochester, NY	2.0	1.0	1053	$1,450	$1.38	24d	1	0.33mi
222 Ellison St Rochester, NY	2.0	1.0	971	$1,000	$1.03	15d	1	0.34mi
86-88 Baycliff Dr Unit 86 Rochester, NY	2.0	1.0	900	$1,030	$1.14	22d	1	0.37mi
420 Rosewood Ter Rochester, NY	3.0	1.0	1246	$1,300	$1.04	4d	1	0.44mi
1159 Culver Rd Unit A2 UP Rochester, NY	3.0	1.0	1313	$1,500	$1.14	45d	1	0.47mi
52 Frances St Rochester, NY	4.0	1.0	1256	$1,595	$1.27	45d	1	0.49mi
1890 Clifford Ave Rochester, NY	3.0	1.0	936	$1,800	$1.92	24d	1	0.56mi
147 5th St Rochester, NY	4.0	1.0	1289	$1,950	$1.51	22d	1	0.61mi
47 Priscilla St Rochester, NY	4.0	1.5	1250	$1,900	$1.52	22d	1	0.68mi
182 Laurelton Rd Unit 182 Rochester, NY	2.0	1.5	1000	$1,600	$1.60	11d	1	0.72mi
108 Bowman St Unit 1 Rochester, NY	3.0	1.0	1200	$1,600	$1.33	45d	1	0.73mi
1079 Garson Ave Rochester, NY	3.0	1.5	1273	$2,100	$1.65	11d	1	0.81mi
322 Wisconsin St Rochester, NY	2.0	1.0	1100	$1,200	$1.09	22d	1	0.86mi
326 Northland Ave Rochester, NY	3.0	1.0	1168	$1,500	$1.28	3d	1	0.97mi
933 University Ave Rochester, NY	1.0–2.0	1.0–2.0	1295	$3,815	$2.94	3d	12	1.04mi
733 University Ave #3 Rochester, NY	3.0	1.5	1400	$1,850	$1.32	45d	1	1.05mi
25 Trust St Rochester, NY	3.0	1.5	1003	$1,600	$1.60	4d	1	1.06mi
21 Rundel Park Unit 2 Rochester, NY	2.0	1.0	1250	$2,099	$1.68	20d	1	1.12mi
207 Lux St Rochester, NY	4.0	1.5	1728	$2,150	$1.24	11d	1	1.12mi
36 Charwood Cir Irondequoit, NY	2.0	1.0–1.5	1000	$1,675	$1.68	45d	3	1.16mi
36 Charwood Cir Irondequoit, NY	1.0–2.0	1.0–1.5	930	$2,005	$2.16	3d	9	1.16mi
811 Portland Ave Rochester, NY	2.0	1.0	1616	$1,300	$0.80	15d	1	1.20mi
127 Carter St #125 Rochester, NY	2.0	1.0	1320	$1,400	$1.06	45d	1	1.22mi
395 Alexander St Unit UN12 Rochester, NY	2.0	1.5	1226	$2,200	$1.79	15d	1	1.23mi
15 Vick Park B Unit A Rochester, NY	2.0	1.5	1616	$2,350	$1.45	24d	1	1.28mi
176 Merwin Ave Rochester, NY	4.0	1.5	1750	$2,200	$1.26	45d	1	1.29mi
474 East Ave Rochester, NY	1.0–2.0	1.0–2.0	1125	$2,800	$2.49	24d	1	1.34mi
— Rochester, NY	2.0	1.0	896	$1,100	$1.23	15d	1	1.39mi
— Rochester, NY	3.0	1.0	1025	$1,450	$1.41	45d	1	1.40mi
171 Mohawk St Rochester, NY	3.0	2.0	1054	$1,775	$1.68	45d	1	1.41mi
260 Oxford St Unit UP Rochester, NY	2.0	1.0	1850	$2,600	$1.41	45d	1	1.42mi
59 Clark Ave Rochester, NY	4.0	1.0	1728	$1,800	$1.04	3d	1	1.46mi
176 Roycroft Dr Rochester, NY	3.0	1.0	1169	$950	$0.81	11d	1	1.47mi
21 Arnold Park Rochester, NY	2.0	1.0	750	$1,425	$1.90	3d	15	1.49mi

Listing history 7 events

1. 2026-06-13
   statusdays on market $129,900 Pending 8 DOM
2. 2026-06-10
   days on market $129,900 Active 6 DOM
3. 2026-06-09
   days on market $129,900 Active 5 DOM
4. 2026-06-09
   days on market $129,900 Active 4 DOM
5. 2026-06-07
   days on market $129,900 Active 3 DOM
6. 2026-06-05
   remarks 676-char remark
7. 2026-06-05
   listed $129,900 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: $1,091 · $91/mo
• Projected year-2 tax: $1,643 · $137/mo
• Expected delta: +$552/yr (+$46/mo · 50.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 2/10 Low 7 d/yr ≥95°F today · 15 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,229
• − Mortgage interest: −$7,276
• − Property taxes: −$1,091
• − Insurance: −$650
• − Repairs & maintenance: −$1,618
• − Management: −$1,618
• − Depreciation: −$3,779
• Taxable income: $4,196
• Est. tax owed @ 24.0%: −$1,007
• After-tax cash flow: $5,059/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: Rochester City School District
• NCES district ID: 3624750
• Math proficiency: 21% ▬ 0.00%
• Reading proficiency: 26% ▲ 4.00%
• Median HH income: $30,923
• Composite: 18.98/100
• National rank: #8850
• State rank: #589 of 590 in NY

Livability — Rochester

• Score: 76/100
• State rank: #222
• US rank: #3482

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rochester, NY
• County: Monroe County · 674,131 people
• City population: 432,803
• Metro: Rochester, NY
• Population (ZIP): 40,274
• Household income: $64,603
• Rent vs Own: 36.1% rent · 63.9% own
• Severe rent burden: 2183.0

Population outlook (Monroe County) Hauer SSP2

• Today (2025): 759,460 people
• By 2030: 757,154 · -0.3%
• By 2040: 740,644 · -2.5%
• By 2050: 714,443 · -5.9%
• By 2075: 645,883 · -15.0%
• By 2100: 547,084 · -28.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 44% Black 28% Hispanic / Latino 20% Two or more races 10% Asian 2%
• Hispanic origin (detail): Puerto Rican 15% Cuban 1% Dominican 1%
• Common ancestry: Romanian 4% Lithuanian 2% Iranian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 14% Russian/Polish/Slavic 2% Other Indo-European 1%

Political lean MEDSL · Monroe

• 2024 margin: D (+19.1) · D 59.5% · R 40.5%
• 2008→2024 swing: +1.4pp toward D · 2008: 17.7pp · 2024: 19.1pp
• All cycles: 2024: D+19.1 2020: D+21.0 2016: D+14.1 2012: D+17.4 2008: D+17.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -143.57%
• Current HPI: 328.7053
• Rent YoY: ▲ 7.89%
• Metro: Rochester, 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

-58.1% since first listed

9 events — show timeline

• 2026-06-04 Listed $129,900 UNYREIS
• 2020-08-19 Sold (Public Records) $127,000 Public Records
• 2020-08-17 Sold (MLS) $127,000 UNYREIS
• 2020-06-02 Pending — UNYREIS
• 2020-05-26 Contingent — UNYREIS
• 2020-05-20 Listed $114,900 UNYREIS
• 2020-03-24 Sold (Public Records) $55,000 Public Records
• 2020-03-24 Sold (Public Records) $55,000 Public Records
• 2016-07-05 Sold (Public Records) $310,000 Public Records

Property tax history

+6.2%/yr

Latest (2025): $1,091 · -4.8% YoY. Source: county tax records.