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797 State Route 203, Spencertown, NY 12165 — $479,900 · 3bd · ~0.5% rule | OnePercent

797 State Route 203, Spencertown, NY 12165

$479,900

Home·Spencertown 12165·797 State Route 203, Spencertown, NY 12165

Last confirmed 3 days ago

797 State Route 203, Spencertown, NY 12165

3 bd · 2 ba · 1,430 sqft · built 1923 · Spencertown · SINGLE_FAMILY·source listing ↗

$479,900

rent, three ways

OnePercent model (vv1)$2,332/mo

p10–p90 confidence band

HUD Fair Market Rent · 12165 · 3BR$1,520/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Columbia

Flood risk indexRelatively Low FEMA NRI

Median household income$65,368

Median area rent—

Median home value$417,500

the verdict

0.49%vs 1.0% target

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

$479,900

0.49% · rent $2,332

Intrinsic value · income approach

$479,900

0% above 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.