1 Vincent Unit 3K · Yonkers, NY 10708

$250,000

2 bd · 1.0 ba · 1,000 sqft · Condo · 98 Days on market

Built 1952 $250/sqft · 8% above area Est $231k · 8% over

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +26.1/30.0
• DSCR +8.8/10.0
• 1% rule +6.9/10.0
• Schools +4.1/10.0
• ARV discount +3.8/15.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Imagine strolling into Bronxville Village for weekend brunch or quick 30 minute commute, then returning home to this comfortable 2 bedroom co-op in the sought-after Vincent Arms cooperative. The generous living room provides space for both entertaining and dining, and the adjacent kitchen features granite counters and stainless steel appliances. Both bedrooms are well-sized and provide ample closet space. Ideally situated right across the street from a lovely park with sitting area, playground, and basketball court, and just minutes to public transportation and major highways—perfect for commuters who will appreciate the proximity to the Bronx River Parkway as well as the Bronxville and Fleetwood Metro-North stations. This is a wonderful opportunity to embrace a comfortable lifestyle given the prime location with convenience to nearby shops, dining, and transportation. Building amenities include a ground-floor laundry room and a live-in superintendent.

Key facts

• Granite counters
• Built 1952
• Listed 97 days

Tags

• VINCENT ARMS COOPERATIVE
• GRANITE COUNTERS
• STAINLESS STEEL APPLIANCES
• GROUND-FLOOR LAUNDRY ROOM
• BRONXVILLE METRO-NORTH STATION
• FLEETWOOD METRO-NORTH STATION

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $250k.

Deal economics

• At list price, monthly cash flow is $565 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).
• Recommended offer: $228k (9.0% below list) — sets the bar for market timing.
• Cap rate 9.3% vs local median 5.3% in Yonkers — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 68/100 on livability (#528 in NY) — a middle-class / working-renter tenant base. Strengths: employment A, commute B; Watch: amenities F, cost of living F.
• Yonkers City School District (suburban): math 41% / reading 54% proficiency, ranked #413 of 590 in NY (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising fast (+4.3%/yr); 245 active listings in the ZIP; 39 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 4.3% rent growth), your $70k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 98 days — a 9% lower offer ($228k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $182k; 37% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe flood risk; major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $227,500 (9.0% below list)

Questions for the listing agent

1. It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.19% ✓
• Cap rate: 9.32%
• Cash-on-cash: 10.82%
• DSCR: 1.48
• GRM: 7.0

CMA / ARV

• ARV (median comp): $231,019
• List price: $250,000
• Delta: 8.22%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 4.27% rent growth · sell at horizon

5-year hold

• IRR: -0.2%
• Equity multiple: 0.99×
• Total profit: $-608
• Equity at exit: $37,276

10-year hold

• IRR: 10.8%
• Equity multiple: 1.89×
• Total profit: $62,384
• Equity at exit: $21,615

Cash invested: $70,000 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 5 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City Yonkers: 5 Strongly Tenant-Friendly · D+20

Westchester rent guidelines board.

Methodology + full state rankings →

ZIP-level market 10708

• Rents YoY: 4.3%
• Active inventory: 245
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $2,986 high
• Mortgage (P&I): −$1,311
• Tax est. 1.5%: −$312 /mo · $3,750/yr
• Insurance: −$104
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$627
• Net cashflow: $565

Break-even live

Break-even rent $2,271

Max offer price $250,000

Occupancy floor 76%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 39 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
26 W Devonia Ave Unit 1 Mt Vernon, NY	3.0	1.5	1388	$4,200	$3.03	11d	1	0.31mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	24d	1	0.35mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$5,080	$5.01	24d	15	0.39mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$3,199	$3.35	1d	16	0.39mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	24d	1	0.43mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	24d	1	0.43mi
51 Parkway Rd Apt 3 Bronxville, NY	1.0	1.0	1100	$3,100	$2.82	24d	1	0.56mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$2,675	$3.69	21d	2	0.57mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	24d	1	0.65mi
28 Tunis Ave Unit 2 Yonkers, NY	2.0	1.0	900	$3,000	$3.33	43d	1	0.67mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	16d	1	0.70mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	24d	1	0.88mi
6 Belden Ave Unit 1 Yonkers, NY	3.0	2.0	1450	$3,500	$2.41	24d	1	0.96mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	0.97mi
173 Crary Ave Mount Vernon, NY	3.0	2.0	1100	$3,100	$2.82	24d	1	1.01mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	18d	1	1.01mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	43d	1	1.01mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	20d	1	1.02mi
355 Bronxville Rd Bronxville, NY	3.0	2.0	968	$3,400	$3.51	24d	1	1.03mi
64 Sagamore Rd Unit A6 Bronxville, NY	1.0	1.0	850	$2,900	$3.41	4d	1	1.07mi
64 Kensington Rd Apt 1A Bronxville, NY	1.0	1.0	800	$2,895	$3.62	11d	1	1.12mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	24d	1	1.13mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	43d	1	1.17mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	18d	1	1.22mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	10d	1	1.26mi
111 Kensington Rd Unit 8 Bronxville, NY	1.0	1.0	825	$2,650	$3.21	13d	1	1.29mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	1.30mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	24d	1	1.34mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	43d	1	1.34mi
7 Oak Ave Tuckahoe, NY	2.0	1.0	1200	$2,500	$2.08	43d	1	1.35mi
11 Oak Ave Unit 1 Bronxville, NY	3.0	2.0	1400	$4,300	$3.07	43d	1	1.37mi
433 Palmer Rd Unit Second Fl Yonkers, NY	3.0	1.5	1400	$3,500	$2.50	43d	1	1.38mi
112 N Columbus Ave Unit 2 Mt Vernon, NY	2.0	2.0	900	$2,997	$3.33	18d	1	1.42mi
42 Winchester Ave Unit 2A Yonkers, NY	1.0	1.0	700	$2,100	$3.00	13d	1	1.43mi
85 Bennett Ave Unit 2 Yonkers, NY	2.0	1.0	1000	$2,500	$2.50	43d	1	1.43mi
70 Lake Ave Unit 1 Tuckahoe, NY	3.0	2.5	1200	$4,995	$4.16	11d	1	1.44mi
1549 Central Park Ave Yonkers, NY	2.0	1.0	850	$2,400	$2.82	43d	1	1.48mi
1 Elm St Unit 3B Tuckahoe, NY	2.0	1.0	1100	$3,200	$2.91	10d	1	1.49mi
1 Elm St Unit 3B Tuckahoe, NY	2.0	1.0	1100	$3,200	$2.91	7d	1	1.49mi

HOA detail condo

• Monthly dues: $0 · $0/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 23 events

1. 2026-06-18
   days on market $250,000 Active 98 DOM
2. 2026-06-17
   days on market $250,000 Active 97 DOM
3. 2026-06-16
   days on market $250,000 Active 96 DOM
4. 2026-06-15
   days on market $250,000 Active 95 DOM
5. 2026-06-13
   days on market $250,000 Active 93 DOM
6. 2026-06-09
   days on market $250,000 Active 89 DOM
7. 2026-06-08
   days on market $250,000 Active 88 DOM
8. 2026-06-07
   days on market $250,000 Active 87 DOM
9. 2026-06-04
   days on market $250,000 Active 84 DOM
10. 2026-06-03
    days on market $250,000 Active 83 DOM
11. 2026-06-02
    days on market $250,000 Active 82 DOM
12. 2026-06-01
    days on market $250,000 Active 81 DOM
13. 2026-05-31
    days on market $250,000 Active 80 DOM
14. 2026-03-11
    listed $250,000 Active 973-char remark

    Show marketing remark (973 chars)

    Imagine strolling into Bronxville Village for weekend brunch or quick 30 minute commute, then returning home to this comfortable 2 bedroom co-op in the sought-after Vincent Arms cooperative. The generous living room provides space for both entertaining and dining, and the adjacent kitchen features granite counters and stainless steel appliances. Both bedrooms are well-sized and provide ample closet space. Ideally situated right across the street from a lovely park with sitting area, playground, and basketball court, and just minutes to public transportation and major highways—perfect for commuters who will appreciate the proximity to the Bronx River Parkway as well as the Bronxville and Fleetwood Metro-North stations. This is a wonderful opportunity to embrace a comfortable lifestyle given the prime location with convenience to nearby shops, dining, and transportation. Building amenities include a ground-floor laundry room and a live-in superintendent.

15. 2014-03-15
    price $182,000 398-char remark

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

16. 2014-01-22
    soldstatus $182,000 Sold 398-char remark

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

17. 2014-01-22
    soldstatus $182,000

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

18. 2014-01-09
    historical 398-char remark

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

19. 2014-01-09
    price $189,000 398-char remark

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

20. 2013-11-14
    listed $189,000 Active 398-char remark

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

21. 2013-11-14
    listed $189,000

    Show marketing remark (398 chars)

    Sponsor Unit - No Board Approval! Beautifully Renovated, Spacious 2 Bedroom Apartment Boasts Western and Northern Exposures. The Sun-Filled Kitchen Features Tile Flooring and Backsplash. Enjoy 6 Closets. Charm Abounds in this Freshly Painted Unit with Hardwood Floors. Laundry on Lobby Level. Ideally Located. .. Short Walk to Fleetwood Train & Convenient to Parkways. Across From Playground.

22. 2008-12-04
    historical
23. 2008-09-26
    listed

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,828
• − Mortgage interest: −$14,004
• − Property taxes: −$3,750
• − Insurance: −$2,048
• − Repairs & maintenance: −$2,866
• − Management: −$2,866
• − Depreciation: −$7,273
• Taxable income: $3,021
• Est. tax owed @ 24.0%: −$725
• After-tax cash flow: $6,049/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Yonkers City School District
• NCES district ID: 3631920
• Math proficiency: 41% ▼ -1.00%
• Reading proficiency: 54% ▲ 14.00%
• Median HH income: $58,042
• Composite: 41.43/100
• National rank: #3471
• State rank: #413 of 590 in NY

Livability — Yonkers

• Score: 68/100
• State rank: #528
• US rank: #9394

Category grades

Amenities F Commute B Cost of living F Crime B- Employment A Housing B- Health & safety B- User ratings B-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yonkers, NY
• County: Westchester County · 709,332 people
• City population: 212,407
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 22,482
• Household income: $126,343
• Rent vs Own: 24.5% rent · 75.5% own
• Severe rent burden: 357.0

Population outlook (Westchester County) Hauer SSP2

• Today (2025): 1,028,035 people
• By 2030: 1,051,636 · +2.3%
• By 2040: 1,098,520 · +6.9%
• By 2050: 1,136,044 · +10.5%
• By 2075: 1,196,925 · +16.4%
• By 2100: 1,175,147 · +14.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Hispanic / Latino 17% Two or more races 10% Black 6% Asian 4%
• Hispanic origin (detail): Puerto Rican 7% Dominican 3%
• Common ancestry: Romanian 2% Lithuanian 2% Scotch-Irish 1%
• Foreign-born: 16% · Canada, China
• Languages at home: 76% English-only · Spanish 10% Other Indo-European 6% Other Asian/Pacific 2%

Political lean MEDSL · Westchester

• 2024 margin: Strong D (+26.3) · D 63.1% · R 36.9%
• 2008→2024 swing: -1.3pp toward R · 2008: 27.6pp · 2024: 26.3pp
• All cycles: 2024: D+26.3 2020: D+36.3 2016: D+32.8 2012: D+22.2 2008: D+27.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -668.11%
• Current HPI: 203.4295
• Rent YoY: ▲ 4.27%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+32.3% since first listed

10 events — show timeline

• 2026-03-11 Listed $250,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $182,000 HGMLS
• 2014-01-22 Sold (MLS) $182,000 OneKey® MLS as Distributed by MLS Grid
• 2014-01-22 Sold (MLS) $182,000 HGMLS
• 2014-01-09 Delisted — HGMLS
• 2014-01-09 Price Changed $189,000 HGMLS
• 2013-11-14 Listed $189,000 HGMLS
• 2013-11-14 Listed $189,000 OneKey® MLS as Distributed by MLS Grid
• 2008-12-04 Delisted — HGMLS
• 2008-09-26 Listed — HGMLS