333 Bronx River Rd #712 · Yonkers, NY 10704

$167,000

1 bd · 1.0 ba · 750 sqft · Condo · 3 Days on market

Built 1966 $223/sqft · 9% below area Est $184k · 9% under $748/mo HOA · 31% of rent ↓ 16% since listing

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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 +12.8/30.0
• ARV discount +11.7/15.0
• 1% rule +9.3/10.0
• Rent growth +5.0/5.0
• Schools +4.1/10.0
• DSCR +3.8/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 333 Bronx River Road, Unit 712 — a bright and well-maintained 1-bedroom, 1-bath co-op in the heart of Yonkers. Stop paying rent and start building equity for just $167,000. This move-in ready unit features a comfortable living area, a full kitchen, a spacious bedroom, and a beautifully renovated bathroom. Enjoy low monthly maintenance that covers heat and hot water — no surprise utility bills. The building features two elevators, two laundry rooms, and a parking lot (waitlist). Located just steps from the Metro-North Mount Vernon West station, your commute to Manhattan has never been easier. Major highways and shopping are minutes away, making everyday living effortless. As a shareholder, you own your home — no landlord, no rent hikes, just yours. Priced to sell at $167,000 with 20% down. Don't miss this opportunity to own in Westchester County

Key facts

• Renovated bathroom
• Two elevators
• Parking lot

Tags

• WELL-MAINTAINED CO-OP
• RENOVATED BATHROOM
• TWO ELEVATORS
• TWO LAUNDRY ROOMS
• PARKING LOT
• STEPS FROM METRO-NORTH STATION

Property features AI

Finance

• HOA & community: Located in a senior community; Playground in the community

Exterior

• Parking: Covered parking
• Utilities: Electric service by Con-Edison; Public sewer; Electricity available and connected
• Home design: Stock cooperative; Entry level: 7
• Construction: Brick construction
• Exterior features: Brick construction; Not waterfront

Interior

• Kitchen: Electric cooktop; Electric oven; Microwave; Refrigerator
• Bedrooms: 3 total rooms (includes bedrooms and living areas); entry level is on level 7
• Bathrooms: 1 full bathroom
• Heating & cooling: Natural gas heating; Wall/window air conditioning units
• Interior features: Ceiling fan(s); Open kitchen; Primary bathroom; Bidet

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $167k.

Deal economics

• At list price, monthly cash flow is $-15 ($-179/yr) — negative.
• To cash-flow at today's rent, offer at most $165k (1.3% below list).
• Meets the 1% rule at list price ($2k rent vs $167k).
• Recommended offer: $165k (1.3% below list) — sets the bar for cash-flow.

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 (+21.0%/yr); 166 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $1k of loan paydown is wiped out by about $5k 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 + 8.0% rent growth), your $47k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 24y 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.

Risks & watch-outs

• Watch-outs: HOA is 31% of rent.
• Climate carrying-cost: major 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 $164,846 (1.3% 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. Built in 1966 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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.
7. 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.
8. 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: 1.43% ✓
• Cap rate: 6.19%
• Cash-on-cash: -0.38%
• DSCR: 0.98
• GRM: 5.8

CMA / ARV

• ARV (median comp): $184,167
• List price: $167,000
• Delta: -2.81%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -8.0%
• Equity multiple: 0.68×
• Total profit: $-14,889
• Equity at exit: $24,900

10-year hold

• IRR: 9.4%
• Equity multiple: 1.97×
• Total profit: $45,288
• Equity at exit: $14,439

Cash invested: $46,760 (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 10704

• Rents YoY: 21.0%
• Active inventory: 166
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $2,389 high
• Mortgage (P&I): −$876
• Tax est. 1.5%: −$209 /mo · $2,505/yr
• Insurance: −$70
• HOA: −$748
• Vacancy / Maint / Mgmt: −$502
• Net cashflow: $-15

Break-even live

Break-even rent $2,408

Max offer price $164,846

Occupancy floor 96%

Sensitivity live

Price	-10% $101	-5% $43	+0% $-15	+5% $-73	+10% $-130
Rent	-10% $-204	-5% $-109	+0% $-15	+5% $79	+10% $174
Rate	-1.0pp $69	-0.5pp $28	base $-15	+0.5pp $-58	+1.0pp $-102

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: $41,750
• Closing costs: $5,010
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
277 Bronx River Rd Apt 3M Yonkers, NY	—	1.0	550	$1,700	$3.09	45d	1	0.09mi
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,250	$2.81	26d	1	0.14mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	45d	1	0.20mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	45d	1	0.28mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	26d	1	0.37mi
135 Wakefield Ave Yonkers, NY	2.0	1.0	850	$3,000	$3.53	45d	2	0.41mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	26d	1	0.47mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	26d	1	0.48mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	9d	1	0.49mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	45d	1	0.50mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	20d	1	0.57mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	45d	1	0.57mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	26d	1	0.58mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	15d	1	0.60mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	13d	1	0.65mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	13d	1	0.67mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	22d	1	0.75mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	12d	1	0.82mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	18d	1	0.85mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	26d	1	0.85mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	26d	1	0.89mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	9d	1	0.91mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	19d	1	0.91mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$1,850	$2.55	24d	2	1.15mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	26d	1	1.18mi
257 S 2nd Ave Mount Vernon, NY	1.0	1.0	800	$2,250	$2.81	26d	1	1.20mi
675 McLean Ave Unit 006H Yonkers, NY	1.0	1.0	577	$2,071	$3.59	6d	1	1.20mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	26d	1	1.26mi
7 Monroe St Unit 3A Mt Vernon, NY	2.0	1.0	600	$2,200	$3.67	20d	1	1.27mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	26d	1	1.27mi
23 Alida St Unit 2s Yonkers, NY	2.0	1.0	1000	$2,900	$2.90	26d	1	1.29mi
429 S 3rd Ave Mount Vernon, NY	1.0	1.0	600	$2,300	$3.83	5d	1	1.34mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$2,841	$2.97	0d	17	1.35mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$3,956	$3.90	26d	15	1.35mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	26d	1	1.42mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	45d	1	1.42mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	20d	1	1.44mi

HOA detail condo

• Monthly dues: $748 · $8,976/yr
• Likely covers: water
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 8 events

1. 2026-06-21
   days on market $167,000 Active 3 DOM
2. 2026-06-18
   remarks 687-char remark

   Show marketing remark (885 chars)

   Welcome to 333 Bronx River Road, Unit 712 — a bright and well-maintained 1-bedroom, 1-bath co-op in the heart of Yonkers. Stop paying rent and start building equity for just $167,000. This move-in ready unit features a comfortable living area, a full kitchen, a spacious bedroom, and a beautifully renovated bathroom. Enjoy low monthly maintenance that covers heat and hot water — no surprise utility bills. The building features two elevators, two laundry rooms, and a parking lot (waitlist). Located just steps from the Metro-North Mount Vernon West station, your commute to Manhattan has never been easier. Major highways and shopping are minutes away, making everyday living effortless. As a shareholder, you own your home — no landlord, no rent hikes, just yours. Priced to sell at $167,000 with 20% down. Don't miss this opportunity to own in Westchester County

3. 2026-06-18
   pricedays on marketlisting id $167,000 Active 1 DOM

   Show marketing remark (885 chars)

   Welcome to 333 Bronx River Road, Unit 712 — a bright and well-maintained 1-bedroom, 1-bath co-op in the heart of Yonkers. Stop paying rent and start building equity for just $167,000. This move-in ready unit features a comfortable living area, a full kitchen, a spacious bedroom, and a beautifully renovated bathroom. Enjoy low monthly maintenance that covers heat and hot water — no surprise utility bills. The building features two elevators, two laundry rooms, and a parking lot (waitlist). Located just steps from the Metro-North Mount Vernon West station, your commute to Manhattan has never been easier. Major highways and shopping are minutes away, making everyday living effortless. As a shareholder, you own your home — no landlord, no rent hikes, just yours. Priced to sell at $167,000 with 20% down. Don't miss this opportunity to own in Westchester County

4. 2026-05-13
   price $179,000 467-char remark
5. 2026-05-04
   price $185,000 467-char remark
6. 2026-05-04
   listed $199,000 Active 467-char remark
7. 2003-02-10
   historical
8. 2002-08-10
   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 6/10 Major FEMA zone X (unshaded) · 27% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 6/10 Major 7 d/yr ≥99°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,667
• − Mortgage interest: −$9,355
• − Property taxes: −$2,505
• − Insurance: −$835
• − Repairs & maintenance: −$2,293
• − Management: −$2,293
• − HOA: −$8,976
• − Depreciation: −$4,858
• Taxable loss: −$2,449
• Est. tax savings @ 24.0%: +$588
• After-tax cash flow: $409/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): 31,921
• Household income: $106,786
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 1078.0

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: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 50% Hispanic / Latino 32% Two or more races 15% Black 7% Asian 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 11% Cuban 2% Dominican 9%
• Common ancestry: Romanian 2% Subsaharan African 2% Scotch-Irish 2%
• Foreign-born: 32% · Canada, Jamaica, China
• Languages at home: 54% English-only · Spanish 25% Other Indo-European 13% Russian/Polish/Slavic 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: ▼ -466.66%
• Current HPI: 293.4414
• Rent YoY: ▲ 21.03%
• 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

-16.1% since first listed

6 events — show timeline

• 2026-06-18 Listed $167,000 OneKey® MLS as Distributed by MLS Grid
• 2026-05-13 Price Changed $179,000 OneKey® MLS as Distributed by MLS Grid
• 2026-05-04 Price Changed $185,000 OneKey® MLS as Distributed by MLS Grid
• 2026-05-04 Listed $199,000 OneKey® MLS as Distributed by MLS Grid
• 2003-02-10 Delisted — HGMLS
• 2002-08-10 Listed — HGMLS