13 Gardenia Dr, Monticello, NY 12701

3 bd · 2 ba · 1,848 sqft · built 2008 · Monticello · MOBILE·source listing ↗

$170,000

rent, three ways

OnePercent model (vv1)$2,454/mo

p10–p90 confidence band

HUD Fair Market Rent · 12701 · 3BR$1,790/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Sullivan

Flood risk indexRelatively Low FEMA NRI

Median household income$57,222

Median area rent$1,104/mo

Median home value$203,100

the verdict

1.44%vs 1.2% target

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

$170,000

1.44% · rent $2,454

Intrinsic value · income approach

$405,847

58% 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.