8-Bedroom Duplex with New
For Sale
$399,000
95 14th Street, Troy, NY 12180
Two-level duplex with eight bedrooms, two baths, a patio, and updated roof coverage.
Property Size2,640 SF
Price / SF$151.14
Days on Market324
Property Features for 95 14th Street
General Information
Standard status
Active
Size
2,640 SF
Property subtype
Multi Family / Duplex
Additional Details
Gross Income
$62,400
Taxes and HOA fees
Annual Taxes
$5,558
Amenities
Asphalt
None, No
Hot Water, Natural Gas, Yes
Full
100 Amp Service, Circuit Breakers
Hardwood
Other, High Speed Internet
Other
Brick, Vinyl Siding
Main Level, Upper Level
Patio
Building Details
Year Built
1890
Listing Agency:
Scott Film Realty, LLC
(518) 369-7654
Listed By:
Scott M Film · License #49FI0903791
(518) 369-7654
Source:
Compass
Added: Oct 12, 2025
Changed: Aug 30
Last Checked: Aug 30 at 10:20PM
Displayed information is deemed reliable but is not guaranteed and should be independently verified. All listing content including descriptions, pricing, images are the copyrighted material of Scott Film Realty, LLC
Investment Insights
Based on property information with market context.
This duplex at 95 14th Street in Troy, New York, contains 2,640 square feet with eight bedrooms and two baths arranged across main and upper levels. The property was built in 1890 and features hardwood flooring, brick and vinyl siding, a patio, and high-speed internet availability. A new roof is also in place.
Building systems include natural-gas hot water, 100 Amp electrical service with circuit breakers, and full basement space. The residence is identified as an RPI rental property and offers a two-level configuration for residential occupancy.
Building systems include natural-gas hot water, 100 Amp electrical service with circuit breakers, and full basement space. The residence is identified as an RPI rental property and offers a two-level configuration for residential occupancy.
Key Highlights
- 2,640‑square‑foot duplex with 8 bedrooms and 2 baths
- New roof
- Main- and upper‑level layout
Financial Insights
Estimated NOI and Cap Rate
NOI = area × lease_rate × (100 − vacancy) / 100 × (1 − expense_ratio). Net Operating Income — what the owner takes home each year before mortgage payments and income tax. Effective rent (asking rent minus vacancy losses) minus operating costs (taxes, insurance, maintenance, management).
NOI / Yr
$30,483
Cap rate = NOI / list price × 100. Capitalization rate — annual return on a fully cash purchase, before financing. NOI divided by price. Higher means more income per dollar invested, but usually also more risk or older condition. 5–8% is typical for stabilized commercial property; double digits often signal distressed deals.
Cap Rate
7.64%
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$609,660
$609.7K
Cap Rate 7%
$435,471
$435.5K
Cap Rate 9%
$338,700
$338.7K
Market Conditions
NOI Build-Up for 2,640 SF
Vacancy — income lost from leasable area expected to sit empty during the year, subtracted from gross rent.
EGI (Effective Gross Income) — gross rent minus vacancy losses, the realistic income before paying operating costs.
OpEx (Operating Expenses) — recurring costs to operate the property (property tax, insurance, utilities, maintenance, management); excludes financing and capital improvements.
NOI (Net Operating Income) — income a property generates after operating costs but before financing and taxes.
Gross rent
$45.9K $17.40/SF
− Vacancy
−$2.4K −$0.90/SF
EGI
$43.5K $16.50/SF
− OpEx
−$13.1K −$4.95/SF
NOI
$30.5K $11.55/SF
Area
Albany County, NY
Vacancy
5.20%
Lease Rate
$17.40 /SF/Yr
Expense Ratio
30.00%
Simulate Cap Rate and NOI
Suggested Prices Based on Cap Rates
Cap rates vary significantly by property type, market, and asset quality.
Typical U.S. stable-market ranges:
Multifamily — 4.5% to 6.5% (Class A in primary markets often sub-5%; Class C in secondary markets 6%+)
Industrial / Logistics — 5.0% to 7.0% (compressed heavily in recent years due to e-commerce demand)
Office — 6.5% to 9%+ (wide spread post-2020; CBD Class A vs. suburban Class B varies dramatically)
Retail — 5.5% to 8.5% (grocery-anchored on the low end, unanchored strip centers higher)
Hospitality / Hotels — 7.5% to 10%+ (higher due to operational risk)
Self-Storage — 5.5% to 7.5%
Medical Office — 6.0% to 7.5%
Net Lease (single tenant, credit) — 5.0% to 7.0% depending on tenant credit and lease term
Rules of thumb:
Primary markets (NYC, SF, LA, Boston, DC) trade at lower cap rates than secondary/tertiary markets, often by 100–200 bps (bps, aka basis points; 1 bp = 0.01%).
Class A assets trade ~50–150 bps tighter than Class B, and Class B tighter than Class C.
Cap rates move inversely with price — a lower cap rate means a higher price for the same NOI.
Spread to the 10-year Treasury is a common benchmark; historically 200–400 bps over the 10-year.
Cap Rate 5%
$609,660
Cap Rate 7%
$435,471
Cap Rate 9%
$338,700
Alternative Uses
Best Use
Multifamily LT 5
$435.5K
$381.0K – $508.1K
NOI $30,483 @ 7.0% cap · market cap 7.64%
Second Best
Apartment 5plus
$402.8K
$352.5K – $470.0K
NOI $28,199 @ 7.0% cap · market cap 7.07%
Theoretical Best
Office A
$823.8K
$720.8K – $961.1K
NOI $57,666 @ 7.0% cap · market cap 14.45%
Zoning and permitted uses should be independently verified with authorities.
Property Analytics
Property Profile
Current Use
Location Intelligence
Trade Area within ½ mile
2,028
Businesses Nearby
Explore this area
Business Placement
Demographics for 12180, NY
55,907
Population
25,527
Households
2.2
Avg Household Size
33
Median Age
40%
College-Educated
90%
High-School Grad
56.2 sq mi
ZIP Area
995
Density / Sq Mi
$73,767
Median Household Income
$41,787
Median Earnings
$1,188
Median Rent
$233,000
Median Home Value
Market
Vacancy Rate% for Multifamily in Northeast region
Questions? Ask Rey
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Frequently Asked Questions
What type of property is this?
Duplex - Two-level duplex with eight bedrooms, two baths, a patio, and updated roof coverage.
Where is this duplex located?
The property is located at 95 14th Street Troy, NY.
What is the asking price?
The asking price for this property is $399,000.
What are key features of this property?
This property features: 2,640‑square‑foot duplex with 8 bedrooms and 2 baths; New roof; Main- and upper‑level layout
