131 Grove St, Middleburgh, NY 12122

3 bd · 1.5 ba · 1,656 sqft · built 1890 · Middleburgh · SINGLE_FAMILY·source listing ↗

$60,000

rent, three ways

OnePercent model (vv1)$2,417/mo

p10–p90 confidence band

HUD Fair Market Rent · 12122 · 3BR$1,620/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Schoharie

Flood risk indexRelatively Moderate FEMA NRI

Median household income$55,875

Median area rent$1,106/mo

Median home value$174,300

the verdict

4.03%vs 1.0% target

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

$60,000

4.03% · rent $2,417

Intrinsic value · income approach

$230,563

74% 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.