40 W 4th St, Patchogue, NY 11772

1 bd · 1 ba · 800 sqft · built 1975 · Patchogue · COOP·source listing ↗

$219,000

$349,000 first listed

seller intel

Price cut

−37.3%

from $349,000

Motivation score

60/100

OnePercent model (vv1)

$2,983/mo

p10–p90 confidence band

HUD Fair Market Rent · 11772 · 1BR$2,140/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Suffolk

Flood risk indexRelatively Moderate FEMA NRI

Median household income$105,245

Median area rent$2,126/mo

Median home value$474,800

the verdict

1.36%vs 0.7% target

financing: 20% down · — (FRED, live) · 30yr

$219,000

1.36% · rent $2,983

Intrinsic value · income approach

$446,629

51% below intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.