About this home

RARE FHA ASSUMABLE OPPORTUNITY AT 5.25%! With a full-price offer, qualified buyers may have the opportunity to assume the seller's existing FHA loan at an attractive 5.25% interest rate, subject to lender approval and assumption requirements. Well-maintained income-producing duplex located in the City of Poughkeepsie, offering an excellent opportunity for both investors and owner-occupants alike. A major highlight of this property is the potential FHA assumable loan opportunity, which may allow a qualified buyer to assume the seller's existing lower interest rate and financing terms, creating substantial long-term savings in today's higher-rate environment. Even if the current FHA loan is not assumable for a buyer, the property was previously approved through FHA financing when purchased, offering added confidence and appeal for future FHA buyers. Perfect for an owner-occupant looking to offset monthly expenses by living in one unit while collecting rental income from the second, or for an investor seeking immediate income production and long-term appreciation potential. Conveniently located near Metro-North train stations, Route 9, Interstate 84, shopping centers, restaurants, hospitals, colleges, waterfront attractions, parks, and the vibrant Hudson Valley dining and entertainment scene. Ideal commuter location with easy access to New York City, Westchester, Connecticut, and surrounding Hudson Valley communities. Whether you are looking to expand your investment portfolio, secure a strong income-producing asset, or begin building generational wealth through owner-occupied real estate, this property offers flexibility, value, location, and exceptional long-term upside.

Facts and features

Schools

• Smith Early Learning Center

  elementary · K-1 · 0.1 mi

• Poughkeepsie High School

  high · 9-12 · 0.1 mi

  2

• Poughkeepsie Middle School

  elementary · 5-8 · 0.2 mi

  1

• Community Hebrew School of Dutchess County

  elementary · 3-8 · 0.5 mi

• Holy Trinity School

  elementary · K-8 · 0.5 mi

• Charles B Warring Elementary School

  elementary · 1-5 · 0.7 mi

  6

Price history

• Jun 4, 2026 · Price Changed$449,999
• May 19, 2026 · Listed$469,900
• Sep 13, 2024 · Sold$422,000
• Mar 13, 2024 · Listing Removed$330,000
• Feb 28, 2024 · Listing Removed$330,000
• Feb 6, 2024 · Listing Removed$280,000
• Feb 3, 2024 · Listing Removed$330,000
• Jan 1, 2024 · Listing Removed$360,000

Tax history

• 2026$14,145 tax · $396,000 assessed
• 2025$7,700 tax · $396,000 assessed
• 2024$6,234 tax · $258,600 assessed
• 2023$5,615 tax · $203,300 assessed
• 2022$5,134 tax · $168,000 assessed
• 2021$5,598 tax · $140,000 assessed
• 2020$5,023 tax · $157,200 assessed
• 2017$7,045 tax · $149,700 assessed

Home value

$445,700

• Cotality$445,700
• Quantarium$459,273
• Collateral Analytics$445,000

Where it is