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45 Coale Ave
Property Overview
Active Listing
1 / 11
11 listing photos · Tap Enlarge for full-size view
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Specs
3
Beds
3
Baths
Interior Living Space (Sq Ft)
2112 sq ft
Lot Size (Sq Ft)
3,920 sq ft
Year Built
1955
Price/Sq Ft (Living Area)
426$
Price/Sq Ft (Lot Size)
229$
Lifestyle
Walk Score
0
Transit Score
20
Neighborhood Vibe
A calculation based on nearby amenity density.
Taxes
%
FY 2025
Tax Year
Annual Tax
$7,583
Assessed Value
$39,174
Last Sale
1999
$160,000
Price History
Zestimate Range
$554k – $887k
+54.8%
since 2016
2016: $573kNow: $887k
Zillow Zestimate history · 121 data points
Safety & Hazards
A
Safety Rating
Based on Crime & Hazards
Crime Rate Index
Very Low
0/100
Flood Risk
Zone X
Staten Island has experienced numerous flooding incidents, including coastal floods in April 2023 and a pluvial flood in September 2022. Heavy flooding also occurred across Staten Island in July 2025, leading to submerged vehicles and inundated streets. In September 2015, significant flooding affected homes and vehicles. No specific flood history was found for 45 Coale Ave.
Zumintel Report
EVALUATED FOR: LIVING + STR (AIRBNB)
45 Coale Ave, Staten Island, NY 10314
SINGLE_FAMILY•July 5, 2026•MLS #2603605
64/100
Living + STR Score
STR Regulation Warning: owner_occupied_only
Zone: R3X (Residential District) Zone ConfirmedOperating a non-owner-occupied short-term rental for stays under 30 days is illegal in New York City and can result in significant fines and platform delisting.
Summary: Zumintel Engine determined this property is zoned R3X (Residential District). This property sits in an R3X (Residential District), classified as a Class A residential building. Under NYC's Local Law 18, non-owner-occupied short-term rentals (stays under 30 days) are strictly prohibited. The host must be physically present in the unit during the guest's stay, and a maximum of two guests are permitted.
Zoning determined by AI research. Verify your parcel before investing.Verify on official map
Executive Summary
Verdict Locked
Based on current list price and market conditions.
Est. Price
$899,000
Square Feet
2,112
Year Built
1955
Configuration
3bd / 3ba
Market Context
- Pricing PositionThe 10314 housing market is leveling off, with a slight year-over-year decrease in median sale price.
- Liquidity RiskThe market is considered somewhat competitive with a balanced inventory status.
- NeighborhoodDesirable Castleton Corners with friendly neighborhoods, tree-lined streets, and excellent schools.
- Local MarketMedian Neighborhood Price: $725,000 (-1.4% YoY)Market Velocity: Decreasing • Inventory: Balanced • Avg DOM: 41 days
- Investment PotentialEstimated Rent: $3,622/moCap Rate: 3.14% • 5-Year Growth: -6.8%
- STR MarketStaten Island attracts visitors for family visits and local historical sites rather than major tourism, with strict regulations heavily limiting non-owner-occupied STRs.
Location & Destination
Tourist Destinations
- ★Staten Island Ferry (views of Manhattan skyline and Statue of Liberty)
- ★Snug Harbor Cultural Center & Botanical Garden
- ★Staten Island Greenbelt
- Located on a quiet street in the desirable Castleton Corners neighborhood.
- Excellent proximity to groceries, restaurants, and elementary schools within a few minutes' walk.
- Conveniently situated near shopping, public transportation, and the Staten Island Expressway for broader access.
Payment Calculator
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Assumptions & Methodology
- •STR Data: Nightly yields mapped from regional AVM adjusted comps using a conservative median occupancy baseline. Verified via AI context.
- •Cap Rate: Derived mathematically (Market Adjusted Gross Yield minus standard expense, maintenance, and vacancy ratios).
- •Standard Math: Standard principle and interest amortized over 30-year fixed rates. Taxes and insurance are estimations.
Estimated Monthly Payment
$6,376
Principal & Interest
$4,546Operating Expenses/mo
$1,831House Hack Impact
Estimated Payment$6,376
-Projected STR Revenue-$2,426
Net Payment Out-of-Pocket$3,950/mo
The conventional US estimated payment calculation is for informational purposes only. Users are free to make their financial decisions based on their personal economic, ethical and religious belief systems.
Financial Performance
Based on 6.5% rate · 20% down · 30-yr fixedInvestment Analysis Locked
Detailed Cash Flow, Cap Rate, and ROI projections are available for Builder+ plans or by using Top-Up Credits.
Upgrade to Unlock Investment DataComparative Market Analysis
Validate the asking price against recent comparable sales in the area. Includes similarity scoring, price adjustments, and exclusion reasoning.
Strategic Assessment
Key Advantages
- •Well-maintained Colonial home in excellent condition with recent remodel in 2003.
- •Features a finished basement and walk-up attic, offering potential for flexible living arrangements or house hacking.
- •Located in a quiet, desirable neighborhood with good local amenities and access to public transportation.
- •Proximity to the Staten Island Expressway provides convenient travel connections.
Considerations
- •Strict New York City short-term rental regulations severely limit non-owner-occupied STR use, allowing only owner-occupied stays with the host present.
- •The 10314 housing market has shown a slight year-over-year decrease in median sale price.
- •Cash flow potential is moderate for traditional rental investment, with a Cap Rate of 3.14%.
- •The property lacks an explicit ADU or separate apartment, requiring creative solutions for a multi-unit house hack.
Due Diligence
- •Thoroughly review NYC's Local Law 18 and registration requirements with the Office of Special Enforcement if considering any short-term rental operation, even if owner-occupied.
- •Investigate the legality and permitting for converting the finished basement into a more independent unit for house hacking purposes under R3X zoning.
10-Year Wealth Outlook
10-Year Wealth Outlook · Pro+
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Verdict Locked
Analyst Verdict
Based on current list price and market conditions.
STRONG BUY
Use-Case Alignment
living
High Match
Short-Term
Low Match
Living+STR
High Match
rental
Medium Match
House Hack
High Match
flip
Low Match
Disclaimer: This report is for informational purposes only and does not constitute financial or real estate advice. Zumintel is not liable for any inaccuracies or the condition of the property. Users should conduct their own due diligence.
Definitions & Methodology
Cap Rate (Capitalization Rate)Net Operating Income (NOI) divided by the property asset value. It indicates the potential rate of return on the real estate investment.
Investment ScoreA proprietary composite score (0-100):
- 80-100: Excellent (Strong Cashflow & Potential)
- 60-79: Good (Stable, Moderate Returns)
- 40-59: Fair (Value Add Required)
- <40: Risky (Negative Cashflow/High Risk)
Walk ScoreA measure of walkability based on the distance to nearby amenities. 90-100 is a "Walker's Paradise".
Transit ScoreEstimates how well a location is served by public transport. Calculated based on distance to nearest stops and frequency.
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