1 Kewanee Rd · New Rochelle, NY 10804

$1,399,900

5 bd · 4.5 ba · 3,084 sqft · SingleFamily public records · 19 Days on market

Built 2022 0.28 ac lot $454/sqft · 11% below area Est $1575k · 11% under

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Why this score? — see what drove the D- 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).

• ARV discount +12.5/15.0
• Cash flow +8.1/30.0
• Schools +5.7/10.0
• Livability +3.5/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks

Come see this ready to move in custom built new construction that sits at the end of a cul-de-sac! Choose to have your master bedroom either on the first floor perfect for Nanny Quarters or the second overlooking the nearby stream. The first floor bedroom is perfect for a no step entry. There is an Semi finished walkup attic with high ceilings perfect for storage, office or additional rooms. This bright open layout offers quartz counter Tops , high efficiently appliances, gas fireplace, second floor laundry, Anderson Windows, Foam insulation, bluestone patio, and Master walk-in closets. Of the five bedrooms three ensuite baths and high ceilings. Enjoy looking at nature and clean water strea

Key facts

• Bluestone patio
• Ensuite baths
• Gas fireplace

Tags

• SEMI FINISHED WALKUP ATTIC
• GAS FIREPLACE
• BLUESTONE PATIO
• MASTER WALK-IN CLOSETS
• ENSUITE BATHS
• TWO BEDROOM BALCONIES

Property features AI

Finance

• HOA & community: Community park

Exterior

• Parking: Attached driveway; 2 parking spaces; 2-car garage
• Security: Alarm system; Smoke detectors; Video cameras; Fire alarm
• Utilities: Con Edison electric; Public sewer; Public trash collection
• Home design: Single family residence; Three or more levels; Actual property condition
• Construction: Frame construction; HardiPlank siding
• Exterior features: Balcony; Patio; Porch; Cul-de-sac location; Level lot; Near public transit; Near shops; Near schools; Views

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Refrigerator; Wine refrigerator; Granite counters; Pantry; Open kitchen; Eat-in kitchen
• Bedrooms: Primary bedroom downstairs
• Flooring: Hardwood floors
• Bathrooms: 4 full bathrooms; 1 half bathroom
• Heating & cooling: Hydro air heating; Propane heating; Central air; ENERGY STAR qualified equipment
• Interior features: Cathedral ceilings; Eat-in kitchen; Entrance foyer; Formal dining room; Granite counters; High ceilings; Primary bedroom on main floor; Primary bathroom; Open kitchen; Pantry; Walk-in closets; Finished full walk-up attic
• Laundry & utility: Washer; Dryer; Laundry inside; Gas water heater

What this means for you Summary

Snapshot

• This is a 5-bed/4.5-bath single-family listed at $1.40M.

Deal economics

• At list price, monthly cash flow is $-1k ($-16k/yr) — negative.
• To cash-flow at today's rent, offer at most $1.16M (17.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $1.13M (19.5% below list).
• Recommended offer: $1.13M (19.5% below list) — sets the bar for 1% rule.

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.
• Zoned schools: New Rochelle High School (math 87% / reading 72%, grade A-, #518 of 1,100 statewide, top 51%, 3,076 students, 57% FRL) — zoned schools average 57% FRL vs 41% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 80% at this address vs 64% district-wide (+15 pts) — the actual schools serving this property are materially stronger than the New Rochelle City School District average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: 116 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 0d 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 $10k of loan paydown is wiped out by about $42k 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 19 days — a 2% lower offer ($1.38M) is reasonable based on typical stale-listing flexibility.
• 21 sale attempts since 19y ago; this cycle's ask is 11566% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; 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 $1,126,468 (19.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
4. 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.
5. 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.
6. 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: 0.80% ✗
• Cap rate: 5.12%
• Cash-on-cash: -4.18%
• DSCR: 0.81
• GRM: 10.4

CMA / ARV

• ARV (median comp): $1,574,764
• List price: $1,399,900
• Delta: -4.75%
• 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
13 Hillview Dr	0.56mi	4/3.5 (-1)	3,201 (+4%)	4mo	$2,051,000	$641	55
12 Swarthmore Rd	0.46mi	4/3.0 (-1)	2,834 (-8%)	1mo	$2,130,000	$752	53
50 Carthage Rd	0.41mi	4/2.5 (-1)	3,299 (+7%)	10mo	$2,000,000	$606	48
126 Penn Rd	0.56mi	4/3.0 (-1)	3,290 (+7%)	5mo	$1,450,000	$441	48
7 Westview Ln	0.40mi	4/4.5 (-1)	3,493 (+13%)	9mo	$2,508,000	$718	47
15 Franklin Rd	0.49mi	5/3.5	3,496 (+13%)	10mo	$2,495,000	$714	43
124 Hillandale Dr	0.70mi	4/2.5 (-1)	2,917 (-5%)	3mo	$1,381,000	$473	43
71 Baraud Rd S	0.44mi	4/3.5 (-1)	2,683 (-13%)	9mo	$1,575,000	$587	41
15 Old Farm Rd	0.72mi	4/2.5 (-1)	3,205 (+4%)	10mo	$1,505,000	$470	38
225 Country Ridge Rd	0.59mi	4/2.5 (-1)	2,783 (-10%)	6mo	$1,671,500	$601	38
61 Lincoln Rd	0.71mi	5/4.0	3,534 (+15%)	7mo	$2,400,000	$679	35
93 Hillandale Dr	0.64mi	4/3.0 (-1)	2,652 (-14%)	8mo	$1,300,000	$490	29

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: -23.3%
• Equity multiple: 0.20×
• Total profit: $-313,357
• Equity at exit: $208,730

10-year hold

• IRR: -17.9%
• Equity multiple: 0.02×
• Total profit: $-382,785
• Equity at exit: $121,038

Cash invested: $391,972 (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: 10.4×

Monthly cashflow live

• Estimated rent: $11,265 medium
• Mortgage (P&I): −$7,341
• Tax from tax record: −$2,341 /mo · $28,095/yr
• Insurance: −$583
• HOA: −$0
• Vacancy / Maint / Mgmt: −$2,366
• Net cashflow: $-1,367

Break-even live

Break-even rent $12,995

Max offer price $1,158,464

Occupancy floor —

Sensitivity live

Price	-10% $-574	-5% $-970	+0% $-1,367	+5% $-1,763	+10% $-2,159
Rent	-10% $-2,257	-5% $-1,812	+0% $-1,367	+5% $-922	+10% $-477
Rate	-1.0pp $-662	-0.5pp $-1,011	base $-1,367	+0.5pp $-1,729	+1.0pp $-2,098

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: $349,975
• Closing costs: $41,997
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
372 Heathcote Rd Scarsdale, NY	4.0	3.0	2826	$12,000	$4.25	0d	1	0.36mi
177 Puritan Dr Scarsdale, NY	5.0	4.0	4278	$11,000	$2.57	0d	1	0.45mi
58 Marion Dr New Rochelle, NY	4.0	3.0	3246	$11,000	$3.39	0d	1	0.54mi
75 Lord Kitchener Rd New Rochelle, NY	4.0	4.5	3032	$10,000	$3.30	6d	1	1.25mi

Listing history 50 events

1. 2026-06-15
   days on market $1,399,900 Active 19 DOM
2. 2026-06-13
   days on market $1,399,900 Active 17 DOM
3. 2026-06-09
   days on market $1,399,900 Active 13 DOM
4. 2026-06-08
   days on market $1,399,900 Active 12 DOM
5. 2026-06-07
   days on market $1,399,900 Active 11 DOM
6. 2026-06-04
   days on market $1,399,900 Active 8 DOM
7. 2026-06-03
   days on market $1,399,900 Active 7 DOM
8. 2026-06-02
   days on market $1,399,900 Active 6 DOM
9. 2026-06-01
   days on market $1,399,900 Active 5 DOM
10. 2026-05-31
    days on market $1,399,900 Active 4 DOM
11. 2026-04-17
    price $12,500
12. 2026-04-09
    listed $13,500
13. 2026-04-08
    listed $1,499,900 Active 961-char remark
14. 2025-11-03
    listed $1,599,000 Active
15. 2024-11-02
    historical $10,000
16. 2024-11-01
    historical
17. 2024-10-17
    price $10,000
18. 2024-10-15
    price $1,399,990
19. 2024-10-15
    price $1,400,000
20. 2024-08-06
    listed $12,500
21. 2024-08-01
    listed $1,499,990 Active
22. 2024-06-05
    historical
23. 2024-06-03
    listed $1,550,000 Active
24. 2023-05-15
    historical
25. 2023-04-17
    status Active
26. 2023-01-03
    listed $1,399,999 Active
27. 2022-10-12
    historical
28. 2022-08-01
    price $1,399,999
29. 2022-06-06
    price $1,450,000
30. 2022-05-03
    price $1,449,999
31. 2022-02-24
    listed $1,499,999 Active
32. 2022-01-28
    historical
33. 2021-12-17
    listed $1,499,999 Active
34. 2021-12-17
    historical
35. 2021-12-16
    price $1,499,999
36. 2021-11-16
    listed $1,599,990 Active
37. 2021-10-06
    historical
38. 2021-07-22
    price $1,599,990
39. 2021-07-22
    listed $1,599,900 Active
40. 2021-05-17
    historical
41. 2021-04-20
    price $1,749,000
42. 2021-04-20
    price $1,700,000
43. 2021-02-12
    status Active
44. 2021-02-11
    historical
45. 2021-02-11
    listed $1,699,000 Active
46. 2020-09-08
    historical
47. 2020-06-16
    listed $1,499,000 Active
48. 2020-01-10
    historical
49. 2019-10-17
    price $1,499,000
50. 2019-10-01
    historical

ⓘ 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: $28,095 · $2,341/mo
• Projected year-2 tax: $28,095 · $2,341/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 47% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 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: $135,176
• − Mortgage interest: −$78,416
• − Property taxes: −$28,095
• − Insurance: −$7,000
• − Repairs & maintenance: −$10,814
• − Management: −$10,814
• − Depreciation: −$40,724
• Taxable loss: −$40,688
• Est. tax savings @ 24.0%: +$9,765
• After-tax cash flow: $-6,636/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

-99.2% since first listed

56 events — show timeline

• 2026-06-17 Rental Removed $12,000 ONEKEY
• 2026-05-28 Listed for Rent $12,000 ONEKEY
• 2026-05-27 Listed $1,399,900 OneKey® MLS as Distributed by MLS Grid
• 2026-05-21 Rental Removed $11,500 ONEKEY
• 2026-05-21 Price Changed $11,500 ONEKEY
• 2026-05-21 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-05-20 Price Changed $1,399,900 OneKey® MLS as Distributed by MLS Grid
• 2026-04-17 Price Changed $12,500 ONEKEY
• 2026-04-09 Listed for Rent $13,500 ONEKEY
• 2026-04-08 Listed $1,499,900 OneKey® MLS as Distributed by MLS Grid
• 2025-11-03 Listed $1,599,000 OneKey® MLS as Distributed by MLS Grid
• 2024-11-02 Rental Removed $10,000 ONEKEY
• 2024-11-01 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2024-10-17 Price Changed $10,000 ONEKEY
• 2024-10-15 Price Changed $1,399,990 OneKey® MLS as Distributed by MLS Grid
• 2024-10-15 Price Changed $1,400,000 OneKey® MLS as Distributed by MLS Grid
• 2024-08-06 Listed for Rent $12,500 ONEKEY
• 2024-08-01 Listed $1,499,990 OneKey® MLS as Distributed by MLS Grid
• 2024-06-05 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2024-06-03 Listed $1,550,000 OneKey® MLS as Distributed by MLS Grid
• 2023-05-15 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2023-04-17 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2023-01-03 Listed $1,399,999 OneKey® MLS as Distributed by MLS Grid
• 2022-10-12 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2022-08-01 Price Changed $1,399,999 OneKey® MLS as Distributed by MLS Grid
• 2022-06-06 Price Changed $1,450,000 OneKey® MLS as Distributed by MLS Grid
• 2022-05-03 Price Changed $1,449,999 OneKey® MLS as Distributed by MLS Grid
• 2022-02-24 Listed $1,499,999 OneKey® MLS as Distributed by MLS Grid
• 2022-01-28 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2021-12-17 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2021-12-17 Listed $1,499,999 OneKey® MLS as Distributed by MLS Grid
• 2021-12-16 Price Changed $1,499,999 OneKey® MLS as Distributed by MLS Grid
• 2021-11-16 Listed $1,599,990 OneKey® MLS as Distributed by MLS Grid
• 2021-10-06 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2021-07-22 Price Changed $1,599,990 OneKey® MLS as Distributed by MLS Grid
• 2021-07-22 Listed $1,599,900 OneKey® MLS as Distributed by MLS Grid
• 2021-05-17 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2021-04-20 Price Changed $1,749,000 OneKey® MLS as Distributed by MLS Grid
• 2021-04-20 Price Changed $1,700,000 OneKey® MLS as Distributed by MLS Grid
• 2021-02-12 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2021-02-11 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2021-02-11 Listed $1,699,000 OneKey® MLS as Distributed by MLS Grid
• 2020-09-08 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2020-06-16 Listed $1,499,000 OneKey® MLS as Distributed by MLS Grid
• 2020-01-10 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2019-10-17 Price Changed $1,499,000 OneKey® MLS as Distributed by MLS Grid
• 2019-10-01 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2019-06-07 Price Changed $599,999 OneKey® MLS as Distributed by MLS Grid
• 2019-05-29 Price Changed $499,999 OneKey® MLS as Distributed by MLS Grid
• 2019-05-28 Price Changed $1,399,000 OneKey® MLS as Distributed by MLS Grid
• 2019-04-04 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2019-04-04 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2019-04-04 Listed $599,000 OneKey® MLS as Distributed by MLS Grid
• 2019-04-04 Listed $1,499,000 OneKey® MLS as Distributed by MLS Grid
• 2008-03-03 Delisted — HGMLS
• 2007-06-26 Listed — HGMLS

Property tax history

+24.4%/yr

Latest (2025): $28,095 · -16.7% YoY. Source: county tax records.