457 Quaker Ridge Rd · New Rochelle, NY 10804

$1,200,000

4 bd · 2.5 ba · 2,250 sqft · SingleFamily public records · 205 Days on market

Built 1963 0.47 ac lot $533/sqft · 7% below area Est $1285k · 7% under

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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 +17.4/30.0
• ARV discount +10.5/15.0
• Schools +5.7/10.0
• DSCR +5.4/10.0
• 1% rule +4.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This perfect split-level ranch is ideally situated between the sought-after neighborhoods of Wykagyl and Pine Brook, just a 5-minute drive from four of Westchester's premier country clubs: Wykagyl Country Club, Bonny Briar Country Club, Quaker Ridge Golf Club, and Winged Foot Golf Club. Features: Exquisitely maintained, this four-bedroom, 2.5-bathroom split-level ranch offers ample living space. You'll be impressed as you enter the warm and inviting foyer, which includes a double-door coat closet and provides access to the upper and lower levels. Ascending to the upper level, you'll discover an expansive 18' x 25' living room bathed in natural light, featuring hardwood floors and a 41-inch wide wood-burning fireplace. The open layout seamlessly connects to the dining room, which opens through a double sliding glass door onto a sun-drenched, south-facing upper deck. The kitchen is a marvel of sustainability, featuring all-electric appliances and a charming retro style, enhanced by pocket doors that seal the area while cooking aromatic foods. Activate the built-in vent to keep the living room smelling of pine or pumpkin spices as you relax by the fireplace. To the right, a hallway leads to the primary bathroom, two generously sized bedrooms with ample closet space, and the large master bedroom, which features a full bathroom and east and north-facing windows. Each bedroom is designed for privacy with strategically placed closets in between them. The lower level, with its full 8-foot ceiling, includes the fourth bedroom or office with a closet and two north-facing windows, along with a half bathroom. The large party room, with south-facing windows, features a wet bar and a door that opens to the lower-level deck, perfect for hosting a barbecue before summer ends. The utility room houses a newly installed in 2023 above-ground oil tank, hot water tank, as well as the boiler. Carrier Infinity central A/C. A secured door with locks leads to the laundry room (with door access to the driveway), additional closet space, and the spacious two-car garage. The expansive deck is accessible from both the party room and the driveway. Set on a 0.4-acre lot with a back pitch designed to drain even the heaviest rainstorms, the property includes one of New Rochelle's tallest and oldest Japanese maple trees, standing over 30 feet tall and approximately a quarter-century old. Don't miss the chance to own this gem and enjoy the rich, deep red leaves by your wood-burning fireplace this fall. The house offers plenty of room for expansion, as it occupies less than a quarter of the land. Act quickly-this gem won't last long. The property is clear of flood zones and is conveniently located minutes from parkways, shops, and restaurants.

Key facts

• Full 8 foot ceiling
• Split level ranch
• Built in vent

Tags

• SPLIT LEVEL RANCH
• DOUBLE DOOR COAT CLOSET
• SUN DRENCHED UPPER DECK
• ALL ELECTRIC APPLIANCES
• BUILT IN VENT
• FULL 8 FOOT CEILING

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $1.20M.

Deal economics

• At list price, monthly cash flow is $904 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $1.11M (7.6% below list).
• Recommended offer: $1.06M (12.0% below list) — sets the bar for market timing.
• Cap rate 7.2% vs local median 4.5% in New Rochelle — 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 69/100 on livability (#487 in NY) — a middle-class / working-renter tenant base. Strengths: employment A+, crime A, amenities B+; Watch: housing D+, commute F, cost of living F.
• New Rochelle City School District (suburban): math 63% / reading 66% proficiency, ranked #171 of 590 in NY (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 116 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 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 $8k of loan paydown is wiped out by about $36k 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

• It's been on market 205 days — a 12% lower offer ($1.06M) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 15y 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 $630k; list at $1.20M implies a 90% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $1,056,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 205 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1963 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.92% ✗
• Cap rate: 7.20%
• Cash-on-cash: 3.23%
• DSCR: 1.14
• GRM: 9.0

CMA / ARV

• ARV (median comp): $1,285,394
• List price: $1,200,000
• Delta: -6.64%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8 Richmond Ln	0.12mi	4/3.0	2,200 (-2%)	11mo	$1,065,000	$484	79
118 Winding Brook Rd	0.27mi	4/2.5	2,195 (-2%)	8mo	$1,100,000	$501	77
81 Winding Brook Rd	0.21mi	4/2.0	2,416 (+7%)	8mo	$950,000	$393	70
24 Pamela Ln	0.40mi	3/3.5 (-1)	2,322 (+3%)	3mo	$925,000	$398	64
25 Bonnie Way	0.69mi	4/3.0	2,237 (-1%)	3mo	$2,086,500	$933	63
240 Winding Brook Rd	0.51mi	4/3.0	2,211 (-2%)	12mo	$1,336,000	$604	62
55 Coutant Dr	0.57mi	4/3.0	2,213 (-2%)	9mo	$1,075,000	$486	61
243 Robert Dr	0.43mi	3/2.5 (-1)	2,384 (+6%)	11mo	$1,042,500	$437	56
73 Hilary Cir	0.64mi	4/3.0	2,450 (+9%)	6mo	$1,180,000	$482	48
96 Highridge Rd	0.66mi	4/3.0	2,445 (+9%)	9mo	$1,320,000	$540	46
171 Van Etten Blvd	0.50mi	3/2.5 (-1)	1,992 (-12%)	11mo	$1,385,000	$695	43
1 Meadowood Path	0.68mi	4/3.5	2,577 (+14%)	8mo	$1,237,500	$480	33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: -11.2%
• Equity multiple: 0.59×
• Total profit: $-136,975
• Equity at exit: $178,924

10-year hold

• IRR: -2.0%
• Equity multiple: 0.86×
• Total profit: $-45,543
• Equity at exit: $103,754

Cash invested: $336,000 (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 10804

• Active inventory: 116
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $11,090 high
• Mortgage (P&I): −$6,293
• Tax from tax record: −$1,064 /mo · $12,774/yr
• Insurance: −$500
• HOA: −$0
• Vacancy / Maint / Mgmt: −$2,329
• Net cashflow: $904

Break-even live

Break-even rent $9,946

Max offer price $1,200,000

Occupancy floor 87%

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: $300,000
• Closing costs: $36,000
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
75 Lord Kitchener Rd New Rochelle, NY	4.0	4.5	3032	$10,000	$3.30	5d	1	0.64mi
19 Bonnie Way Larchmont, NY	4.0	3.0	2700	$14,000	$5.19	12d	1	0.68mi
58 Marion Dr New Rochelle, NY	4.0	3.0	3246	$11,000	$3.39	1d	1	0.85mi
4 Greentree Dr Scarsdale, NY	4.0	2.5	2086	$6,850	$3.28	1d	1	1.43mi
372 Heathcote Rd Scarsdale, NY	4.0	3.0	2826	$12,000	$4.25	1d	1	1.48mi

Listing history 41 events

1. 2026-06-18
   days on market $1,200,000 Active 205 DOM
2. 2026-06-17
   days on market $1,200,000 Active 204 DOM
3. 2026-06-16
   days on market $1,200,000 Active 203 DOM
4. 2026-06-15
   days on market $1,200,000 Active 202 DOM
5. 2026-06-13
   days on market $1,200,000 Active 200 DOM
6. 2026-06-09
   days on market $1,200,000 Active 196 DOM
7. 2026-06-08
   days on market $1,200,000 Active 195 DOM
8. 2026-06-07
   days on market $1,200,000 Active 194 DOM
9. 2026-06-04
   days on market $1,200,000 Active 191 DOM
10. 2026-06-03
    days on market $1,200,000 Active 190 DOM
11. 2026-06-02
    days on market $1,200,000 Active 189 DOM
12. 2026-06-01
    days on market $1,200,000 Active 188 DOM
13. 2026-05-31
    days on market $1,200,000 Active 187 DOM
14. 2025-11-25
    listed $1,200,000 Active 2762-char remark

    Show marketing remark (2762 chars)

    This perfect split-level ranch is ideally situated between the sought-after neighborhoods of Wykagyl and Pine Brook, just a 5-minute drive from four of Westchester's premier country clubs: Wykagyl Country Club, Bonny Briar Country Club, Quaker Ridge Golf Club, and Winged Foot Golf Club. Features: Exquisitely maintained, this four-bedroom, 2.5-bathroom split-level ranch offers ample living space. You'll be impressed as you enter the warm and inviting foyer, which includes a double-door coat closet and provides access to the upper and lower levels. Ascending to the upper level, you'll discover an expansive 18' x 25' living room bathed in natural light, featuring hardwood floors and a 41-inch wide wood-burning fireplace. The open layout seamlessly connects to the dining room, which opens through a double sliding glass door onto a sun-drenched, south-facing upper deck. The kitchen is a marvel of sustainability, featuring all-electric appliances and a charming retro style, enhanced by pocket doors that seal the area while cooking aromatic foods. Activate the built-in vent to keep the living room smelling of pine or pumpkin spices as you relax by the fireplace. To the right, a hallway leads to the primary bathroom, two generously sized bedrooms with ample closet space, and the large master bedroom, which features a full bathroom and east and north-facing windows. Each bedroom is designed for privacy with strategically placed closets in between them. The lower level, with its full 8-foot ceiling, includes the fourth bedroom or office with a closet and two north-facing windows, along with a half bathroom. The large party room, with south-facing windows, features a wet bar and a door that opens to the lower-level deck, perfect for hosting a barbecue before summer ends. The utility room houses a newly installed in 2023 above-ground oil tank, hot water tank, as well as the boiler. Carrier Infinity central A/C. A secured door with locks leads to the laundry room (with door access to the driveway), additional closet space, and the spacious two-car garage. The expansive deck is accessible from both the party room and the driveway. Set on a 0.4-acre lot with a back pitch designed to drain even the heaviest rainstorms, the property includes one of New Rochelle's tallest and oldest Japanese maple trees, standing over 30 feet tall and approximately a quarter-century old. Don't miss the chance to own this gem and enjoy the rich, deep red leaves by your wood-burning fireplace this fall. The house offers plenty of room for expansion, as it occupies less than a quarter of the land. Act quickly-this gem won't last long. The property is clear of flood zones and is conveniently located minutes from parkways, shops, and restaurants.

15. 2024-11-26
    historical
16. 2024-08-26
    listed $1,200,000 Active
17. 2022-12-27
    soldstatus $630,000
18. 2022-12-07
    soldstatus $630,000 Closed
19. 2022-11-01
    status Pending
20. 2022-09-06
    status Active
21. 2022-08-30
    historical
22. 2022-08-05
    price $655,000
23. 2022-07-08
    listed $679,000 Active
24. 2016-08-31
    historical
25. 2016-04-16
    historical Temporarily off Market
26. 2016-03-17
    status Active
27. 2015-12-31
    historical Temporarily off Market
28. 2015-07-31
    listed Active
29. 2015-07-31
    listed $529,000
30. 2014-12-31
    historical
31. 2014-10-09
    historical Temporarily off Market
32. 2013-09-04
    status Active
33. 2013-08-16
    historical
34. 2013-06-21
    price
35. 2013-05-15
    listed Active
36. 2013-05-15
    listed $499,900
37. 2013-01-02
    historical
38. 2012-03-02
    price
39. 2011-11-18
    price
40. 2011-10-25
    price
41. 2011-07-28
    listed Active

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

Tax reassessment forecast NY · Partial reset (capped growth)

• Current annual tax: $12,774 · $1,064/mo
• Projected year-2 tax: $16,527 · $1,377/mo
• Expected delta: +$3,753/yr (+$313/mo · 29.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $133,085
• − Mortgage interest: −$67,219
• − Property taxes: −$12,774
• − Insurance: −$6,000
• − Repairs & maintenance: −$10,647
• − Management: −$10,647
• − Depreciation: −$34,909
• Taxable loss: −$9,110
• Est. tax savings @ 24.0%: +$2,186
• After-tax cash flow: $13,035/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: New Rochelle City School District
• NCES district ID: 3620490
• Math proficiency: 63% ▲ 3.00%
• Reading proficiency: 66% ▲ 9.00%
• Median HH income: $69,165
• Composite: 56.63/100
• National rank: #1139
• State rank: #171 of 590 in NY

Livability — New Rochelle

• Score: 69/100
• State rank: #487
• US rank: #8572

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Rochelle, NY
• City population: 63,657
• Population (ZIP): 15,228

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 (73%)
• Race & ethnicity: White 73% Black 11% Hispanic / Latino 10% Two or more races 5% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Dominican 2%
• Common ancestry: Scotch-Irish 4% Romanian 3% Italian 2%
• Foreign-born: 15% · Canada, Dominican Republic, Jamaica
• Languages at home: 80% English-only · Spanish 6% Russian/Polish/Slavic 3% Other Indo-European 3%

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: ▼ -819.58%
• Current HPI: 280.9571
• 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

+140.0% since first listed

28 events — show timeline

• 2025-11-25 Listed $1,200,000 OneKey® MLS as Distributed by MLS Grid
• 2024-11-26 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2024-08-26 Listed $1,200,000 OneKey® MLS as Distributed by MLS Grid
• 2022-12-27 Sold (Public Records) $630,000 Public Records
• 2022-12-07 Sold (MLS) $630,000 OneKey® MLS as Distributed by MLS Grid
• 2022-11-01 Pending — OneKey® MLS as Distributed by MLS Grid
• 2022-09-06 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2022-08-30 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2022-08-05 Price Changed $655,000 OneKey® MLS as Distributed by MLS Grid
• 2022-07-08 Listed $679,000 OneKey® MLS as Distributed by MLS Grid
• 2016-08-31 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2016-04-16 Delisted — HGMLS
• 2016-03-17 Relisted — HGMLS
• 2015-12-31 Delisted — HGMLS
• 2015-07-31 Listed — HGMLS
• 2015-07-31 Listed $529,000 OneKey® MLS as Distributed by MLS Grid
• 2014-12-31 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2014-10-09 Delisted — HGMLS
• 2013-09-04 Relisted — HGMLS
• 2013-08-16 Delisted — HGMLS
• 2013-06-21 Price Changed — HGMLS
• 2013-05-15 Listed — HGMLS
• 2013-05-15 Listed $499,900 OneKey® MLS as Distributed by MLS Grid
• 2013-01-02 Delisted — HGMLS
• 2012-03-02 Price Changed — HGMLS
• 2011-11-18 Price Changed — HGMLS
• 2011-10-25 Price Changed — HGMLS
• 2011-07-28 Listed — HGMLS

Property tax history

-2.6%/yr

Latest (2025): $12,774 · -30.0% YoY. Source: county tax records.