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1207 Sumner Ave, Schenectady, NY 12309 — $220,000 · 3bd · ~0.9% rule | OnePercent

1207 Sumner Ave, Schenectady, NY 12309

$220,000

Home·Schenectady 12309·1207 Sumner Ave, Schenectady, NY 12309

Last confirmed 3 days ago

1207 Sumner Ave, Schenectady, NY 12309

3 bd · 1 ba · 1,100 sqft · built 1950 · Schenectady · SINGLE_FAMILY·source listing ↗

$220,000

rent, three ways

OnePercent model (vv1)$2,022/mo

p10–p90 confidence band

HUD Fair Market Rent · 12309 · 3BR$2,290/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Schenectady

Flood risk indexRelatively Low FEMA NRI

Median household income$125,274

Median area rent$1,499/mo

Median home value$330,700

the verdict

0.92%vs 1.0% target

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

$220,000

0.92% · rent $2,022

Intrinsic value · income approach

$267,553

18% 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.