21 California Ave, Elmira, NY 14903

3 bd · 1 ba · 1,243 sqft · built 1930 · Elmira · SINGLE_FAMILY·source listing ↗

$92,000

$95,000 first listed

seller intel

Price cut

−3.2%

from $95,000

Motivation score

19/100

OnePercent model (vv1)$1,879/mo

p10–p90 confidence band

HUD Fair Market Rent · 14903 · 3BR$1,470/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

County

Chemung

Flood risk indexRelatively High FEMA NRI

Median household income$67,012

Median area rent$991/mo

Median home value$129,400

the verdict

2.04%vs 1.0% target

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

$92,000

2.04% · rent $1,879

Intrinsic value · income approach

$175,158

47% 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.