1 Fieldstone Dr #76 · Hartsdale, NY 10530

$439,000

3 bd · 2.0 ba · 1,300 sqft · Condo · 14 Days on market

Built 1959

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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 +25.4/30.0
• DSCR +8.4/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Schools +4.9/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

Key facts

• Quartz countertops
• Modern shower stall
• Private entrance

Tags

• PRIVATE ENTRANCE
• STAINLESS STEEL APPLIANCES
• QUARTZ COUNTERTOPS
• MODERN SHOWER STALL
• FULL-SIZE WASHER AND DRYER
• SOUTH AND NORTH EXPOSURES

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $439k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $439k).
• Cap rate 9.0% vs local median 5.8% in Hartsdale — 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 81/100 on livability (#94 in NY, #1,430 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, cost of living F.
• Greenburgh Central School District (suburban): math 51% / reading 55% proficiency, ranked #267 of 590 in NY (top 45%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Early Childhood Program (128 students, 0% FRL); Woodlands Middle/High School (math 62% / reading 52%, grade C, #887 of 1,100 statewide, top 82%, 681 students, 66% FRL).
• Market conditions: 156 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $3k of loan paydown is wiped out by about $13k 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.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 10 sale attempts since 14y 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 $242k; list at $439k implies a 81% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $439,000

Questions for the listing agent

1. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. 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?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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.
6. 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.
7. 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: 1.16% ✓
• Cap rate: 9.04%
• Cash-on-cash: 9.82%
• DSCR: 1.44
• GRM: 7.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -1.5%
• Equity multiple: 0.94×
• Total profit: $-6,977
• Equity at exit: $65,456

10-year hold

• IRR: 8.2%
• Equity multiple: 1.62×
• Total profit: $76,754
• Equity at exit: $37,957

Cash invested: $122,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

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

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 10530

• Active inventory: 156
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $5,114 high
• Mortgage (P&I): −$2,302
• Tax est. 1.5%: −$549 /mo · $6,585/yr
• Insurance: −$183
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,074
• Net cashflow: $1,006

Break-even live

Break-even rent $3,840

Max offer price $439,000

Occupancy floor 75%

Sensitivity live

Price	-10% $1,310	-5% $1,158	+0% $1,006	+5% $854	+10% $703
Rent	-10% $602	-5% $804	+0% $1,006	+5% $1,208	+10% $1,410
Rate	-1.0pp $1,227	-0.5pp $1,118	base $1,006	+0.5pp $892	+1.0pp $777

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: $109,750
• Closing costs: $13,170
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
15 Homewood Rd Hartsdale, NY	3.0	2.0	1868	$7,000	$3.75	25d	1	0.41mi
9 Ridgeview Ave White Plains, NY	3.0	1.0	1500	$3,500	$2.33	25d	1	1.05mi
140 E Hartsdale Ave Hartsdale, NY	2.0	1.0	875	$2,895	$3.31	22d	1	1.08mi
55 Bank St White Plains, NY	2.0	1.0–2.0	813	$5,418	$6.66	0d	23	1.10mi
57 Bank St Unit 1040035P White Plains, NY	2.0	1.0–2.0	726	$9,348	$12.88	3d	3	1.11mi
15 Bank St White Plains, NY	1.0–2.0	1.0–2.0	934	$5,064	$5.42	2d	20	1.13mi
846 Hartsdale Rd White Plains, NY	3.0	2.5	1500	$5,200	$3.47	18d	1	1.16mi
1 Martine Ave White Plains, NY	1.0–2.0	1.0–2.0	827	$4,295	$5.19	2d	12	1.18mi
25 N Lexington Ave White Plains, NY	3.0	1.0–2.0	988	$7,972	$8.07	0d	25	1.20mi
34 S Lexington Ave White Plains, NY	1.0–2.0	1.0–2.0	871	$4,195	$4.82	6d	6	1.22mi
26 Fairview Ave White Plains, NY	3.0	1.5	1100	$3,600	$3.27	44d	1	1.29mi
250 S Central Ave Apt 3I Hartsdale, NY	2.0	1.0	1000	$4,350	$4.35	44d	1	1.29mi
250 S Central Ave Apt 4A Hartsdale, NY	2.0	1.0	1289	$4,350	$3.37	17d	1	1.29mi
250 Central Park Ave Unit 5I Hartsdale, NY	2.0	1.0	1000	$4,550	$4.55	18d	1	1.32mi
250 S Central Ave Hartsdale, NY	1.0–2.0	1.0–2.0	1084	$5,500	$5.07	0d	1	1.32mi
290 E Main St Elmsford, NY	1.0–2.0	1.0–2.0	1077	$4,107	$3.81	0d	6	1.35mi
27 Barker Ave White Plains, NY	2.0	1.0–2.0	1131	$5,391	$4.76	0d	18	1.46mi
5 Renaissance Sq Apt 21F White Plains, NY	2.0	2.5	1534	$6,850	$4.47	18d	1	1.49mi

HOA detail condo

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

Listing history 31 events

1. 2026-03-31
   status Pending
2. 2026-02-27
   listed $439,000 Active
3. 2015-12-18
   soldstatus $242,500 Sold 970-char remark

   Show marketing remark (970 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

4. 2015-12-18
   price $242,500 970-char remark

   Show marketing remark (970 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

5. 2015-12-17
   soldstatus $242,500 976-char remark

   Show marketing remark (976 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

6. 2015-09-17
   historical Pending 970-char remark

   Show marketing remark (970 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

7. 2015-09-17
   price $250,000 970-char remark

   Show marketing remark (970 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

8. 2015-06-24
   listed $250,000 Active 970-char remark

   Show marketing remark (976 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

9. 2015-06-24
   listed $250,000 976-char remark

   Show marketing remark (976 chars)

   Beautifully renovated in 2013 top floor apartment with new kitchen and baths, and refinished wood floors. Private entrance into the unit is ideal. Stainless steel appliances, granite countertops, and pass-thru opening in the kitchen. Flexible layout allows dining room table to be placed in area outside the kitchen doorway, or opposite the pass-thru. All three bedrooms are sizeable, with ample closet space. The spacious masterbath includes a shower stall. A washer and dryer can be installed in this unit at several locations. Windows have south and north exposures for great ventilation. Space for table/chairs/BBQ in yard area, or on porch. Complex has a pool with re-useable guest passes and also a large playground area with benches for seating. Sidewalks throughout Rex Ridge encourage residents to enjoy an after-dinner stroll. Pet Policy changed in 2014 to allow one indoor cat per unit. Enjoy Greenburgh Recreation. Close to shops, schools and transportation.

10. 2014-03-15
    price $232,500
11. 2013-11-21
    soldstatus $232,500 Sold
12. 2013-11-21
    soldstatus $232,500
13. 2013-11-19
    historical
14. 2013-10-01
    historical Pending
15. 2013-10-01
    historical
16. 2013-08-10
    historical Pending
17. 2013-07-19
    status Active
18. 2013-05-28
    historical Pending
19. 2013-05-03
    status Active
20. 2013-04-19
    historical Pending
21. 2013-04-18
    price $239,000
22. 2013-02-20
    price $239,000
23. 2013-02-05
    listed $259,975 Active
24. 2013-02-05
    listed $239,000
25. 2013-02-01
    historical
26. 2013-01-31
    historical
27. 2012-09-18
    price
28. 2012-07-11
    status Active
29. 2012-05-24
    historical Pending
30. 2012-03-27
    listed Active
31. 2012-03-26
    listed $259,975

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

Taxation est. · year 1

• Rental income: $61,367
• − Mortgage interest: −$24,591
• − Property taxes: −$6,585
• − Insurance: −$2,195
• − Repairs & maintenance: −$4,909
• − Management: −$4,909
• − Depreciation: −$12,771
• Taxable income: $5,406
• Est. tax owed @ 24.0%: −$1,298
• After-tax cash flow: $10,776/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: Greenburgh Central School District
• NCES district ID: 3612720
• Math proficiency: 51% ▲ 4.00%
• Reading proficiency: 55% ▲ 5.00%
• Median HH income: $93,626
• Composite: 49.43/100
• National rank: #2005
• State rank: #267 of 590 in NY

Livability — Hartsdale

• Score: 81/100
• State rank: #94
• US rank: #1430

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 13,955

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 (68%)
• Race & ethnicity: White 68% Hispanic / Latino 12% Asian 10% Two or more races 9% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4% Dominican 2%
• Common ancestry: Romanian 9% Scotch-Irish 5% Italian 2%
• Foreign-born: 23% · Canada, China, South Korea
• Languages at home: 71% English-only · Spanish 9% Other Indo-European 6% Russian/Polish/Slavic 5%

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: ▼ -616.16%
• Current HPI: 320.7324
• Rent YoY: —
• Metro: —
• 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

+68.9% since first listed

31 events — show timeline

• 2026-03-31 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-02-27 Listed $439,000 OneKey® MLS as Distributed by MLS Grid
• 2015-12-18 Price Changed $242,500 HGMLS
• 2015-12-18 Sold (MLS) $242,500 HGMLS
• 2015-12-17 Sold (MLS) $242,500 OneKey® MLS as Distributed by MLS Grid
• 2015-09-17 Contingent — HGMLS
• 2015-09-17 Price Changed $250,000 HGMLS
• 2015-06-24 Listed $250,000 HGMLS
• 2015-06-24 Listed $250,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $232,500 HGMLS
• 2013-11-21 Sold (MLS) $232,500 OneKey® MLS as Distributed by MLS Grid
• 2013-11-21 Sold (MLS) $232,500 HGMLS
• 2013-11-19 Delisted — HGMLS
• 2013-10-01 Contingent — HGMLS
• 2013-10-01 Delisted — HGMLS
• 2013-08-10 Contingent — HGMLS
• 2013-07-19 Relisted — HGMLS
• 2013-05-28 Contingent — HGMLS
• 2013-05-03 Relisted — HGMLS
• 2013-04-19 Contingent — HGMLS
• 2013-04-18 Price Changed $239,000 HGMLS
• 2013-02-20 Price Changed $239,000 HGMLS
• 2013-02-05 Listed $259,975 HGMLS
• 2013-02-05 Listed $239,000 OneKey® MLS as Distributed by MLS Grid
• 2013-02-01 Delisted — HGMLS
• 2013-01-31 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2012-09-18 Price Changed — HGMLS
• 2012-07-11 Relisted — HGMLS
• 2012-05-24 Contingent — HGMLS
• 2012-03-27 Listed — HGMLS
• 2012-03-26 Listed $259,975 OneKey® MLS as Distributed by MLS Grid