808 Bronx River Rd Unit 4E · Yonkers, NY 10708

$195,000

1 bd · 1.0 ba · 850 sqft · Condo · 63 Days on market

Built 1925 $229/sqft · at area comps Est $200k · at est.

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Why this score? — see what drove the B- 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 +28.7/30.0
• DSCR +10.0/10.0
• ARV discount +8.5/15.0
• 1% rule +8.0/10.0
• Schools +4.1/10.0
• 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

Spacious and versatile, this pet-friendly one-bedroom residence with bonus space offers the comfort and functionality of a two-bedroom layout—all in a highly convenient Fleetwood location. Just 0.5 miles from the Fleetwood Metro-North Station, enjoy a seamless 27-minute commute to Grand Central Terminal. With a nearby B Line bus stop and easy access to major parkways, travel in any direction is effortless. Inside, the home features hardwood floors, abundant closet space, and a flexible floor plan designed to suit today’s lifestyle. The oversized living room has been smartly partitioned to create a bonus area—ideal as a home office, den, or guest room. An updated galley kitchen is equipped with granite countertops and stainless steel appliances, while a separate dining area provides the perfect setting for both everyday meals and entertaining. Residents enjoy access to well-maintained amenities, including a landscaped courtyard with a BBQ area and a playground—perfect for relaxing or gathering close to home. Conveniently located near everyday essentials such as CVS Pharmacy and Starbucks, as well as popular shopping destinations like Cross County Shopping Center and Ridge Hill. Blending classic prewar charm with modern updates, this inviting home offers the perfect balance of comfort, convenience, and community. Move right in and enjoy everything this exceptional location has to offer.

Key facts

• Galley kitchen
• Flexible layout
• Granite countertops

Tags

• HARDWOOD FLOORS
• GENEROUS CLOSET SPACE
• EXTRA-LARGE LIVING ROOM
• FLEXIBLE LAYOUT
• GALLEY KITCHEN
• GRANITE COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $195k.

Deal economics

• At list price, monthly cash flow is $651 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $195k).
• Recommended offer: $183k (6.0% below list) — sets the bar for market timing.
• Cap rate 10.3% 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; 40 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 $1k of loan paydown is wiped out by about $6k 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 $55k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 63 days — a 6% lower offer ($183k) is reasonable based on typical stale-listing flexibility.
• 5 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.
• Current owner paid $153k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate 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 $183,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. 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?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 1.30% ✓
• Cap rate: 10.30%
• Cash-on-cash: 14.31%
• DSCR: 1.64
• GRM: 6.4

CMA / ARV

• ARV (median comp): $199,516
• List price: $195,000
• Delta: -2.26%
• 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: 6.1%
• Equity multiple: 1.24×
• Total profit: $13,179
• Equity at exit: $29,075

10-year hold

• IRR: 16.6%
• Equity multiple: 2.44×
• Total profit: $78,811
• Equity at exit: $16,860

Cash invested: $54,600 (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: 6.4×

Monthly cashflow live

• Estimated rent: $2,530 high
• Mortgage (P&I): −$1,023
• Tax est. 1.5%: −$244 /mo · $2,925/yr
• Insurance: −$81
• HOA: −$0
• Vacancy / Maint / Mgmt: −$531
• Net cashflow: $651

Break-even live

Break-even rent $1,706

Max offer price $195,000

Occupancy floor 69%

Sensitivity live

Price	-10% $786	-5% $718	+0% $651	+5% $584	+10% $516
Rent	-10% $451	-5% $551	+0% $651	+5% $751	+10% $851
Rate	-1.0pp $749	-0.5pp $701	base $651	+0.5pp $601	+1.0pp $549

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: $48,750
• Closing costs: $5,850
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	25d	1	0.19mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	25d	1	0.19mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	25d	1	0.27mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$3,956	$3.90	24d	15	0.29mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$2,841	$2.97	2d	16	0.29mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$1,850	$2.55	22d	2	0.36mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	25d	1	0.36mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	17d	1	0.41mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	25d	1	0.61mi
28 Tunis Ave Unit 2 Yonkers, NY	2.0	1.0	900	$3,000	$3.33	44d	1	0.69mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	0.70mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	44d	1	0.73mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	19d	1	0.73mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	21d	1	0.75mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	25d	1	0.84mi
51 Parkway Rd Apt 3 Bronxville, NY	1.0	1.0	1100	$3,100	$2.82	25d	1	0.85mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	44d	1	0.90mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	11d	1	1.01mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	1.02mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	44d	1	1.05mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	25d	1	1.05mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	25d	1	1.07mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	19d	1	1.08mi
118 N Columbus Ave Mount Vernon, NY	1.0	1.0	650	$1,700	$2.62	25d	1	1.28mi
112 N Columbus Ave Unit 2 Mt Vernon, NY	2.0	2.0	900	$2,997	$3.33	19d	1	1.29mi
277 Bronx River Rd Apt 3M Yonkers, NY	—	1.0	550	$1,700	$3.09	44d	1	1.33mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	25d	1	1.33mi
64 Sagamore Rd Unit A6 Bronxville, NY	1.0	1.0	850	$2,900	$3.41	5d	1	1.36mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	1.37mi
23 Alida St Unit 2s Yonkers, NY	2.0	1.0	1000	$2,900	$2.90	25d	1	1.38mi
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,250	$2.81	24d	1	1.38mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	13d	1	1.41mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	7d	1	1.41mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	18d	1	1.41mi
64 Kensington Rd Apt 1A Bronxville, NY	1.0	1.0	800	$2,895	$3.62	12d	1	1.42mi
85 Bennett Ave Unit 2 Yonkers, NY	2.0	1.0	1000	$2,500	$2.50	44d	1	1.43mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	25d	1	1.43mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	44d	1	1.43mi
28 Kenilworth Rd Unit The Cottage Yonkers, NY	1.0	1.0	600	$1,950	$3.25	15d	1	1.49mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	44d	1	1.49mi

HOA detail condo

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

Listing history 27 events

1. 2026-06-18
   days on market $195,000 Active 63 DOM
2. 2026-06-17
   days on market $195,000 Active 62 DOM
3. 2026-06-16
   days on market $195,000 Active 61 DOM
4. 2026-06-15
   remarks 687-char remark
5. 2026-06-15
   days on market $195,000 Active 60 DOM
6. 2026-06-13
   days on market $195,000 Active 58 DOM
7. 2026-06-09
   days on market $195,000 Active 54 DOM
8. 2026-06-08
   days on market $195,000 Active 53 DOM
9. 2026-06-07
   days on market $195,000 Active 52 DOM
10. 2026-06-04
    days on market $195,000 Active 49 DOM
11. 2026-06-03
    days on market $195,000 Active 48 DOM
12. 2026-06-02
    days on market $195,000 Active 47 DOM
13. 2026-06-01
    days on market $195,000 Active 46 DOM
14. 2026-05-31
    days on market $195,000 Active 45 DOM
15. 2026-04-16
    listed $195,000 Active 1432-char remark

    Show marketing remark (1432 chars)

    Spacious and versatile, this pet-friendly one-bedroom residence with bonus space offers the comfort and functionality of a two-bedroom layout—all in a highly convenient Fleetwood location. Just 0.5 miles from the Fleetwood Metro-North Station, enjoy a seamless 27-minute commute to Grand Central Terminal. With a nearby B Line bus stop and easy access to major parkways, travel in any direction is effortless. Inside, the home features hardwood floors, abundant closet space, and a flexible floor plan designed to suit today’s lifestyle. The oversized living room has been smartly partitioned to create a bonus area—ideal as a home office, den, or guest room. An updated galley kitchen is equipped with granite countertops and stainless steel appliances, while a separate dining area provides the perfect setting for both everyday meals and entertaining. Residents enjoy access to well-maintained amenities, including a landscaped courtyard with a BBQ area and a playground—perfect for relaxing or gathering close to home. Conveniently located near everyday essentials such as CVS Pharmacy and Starbucks, as well as popular shopping destinations like Cross County Shopping Center and Ridge Hill. Blending classic prewar charm with modern updates, this inviting home offers the perfect balance of comfort, convenience, and community. Move right in and enjoy everything this exceptional location has to offer.

16. 2019-03-29
    soldstatus $153,000 Sold 915-char remark

    Show marketing remark (915 chars)

    Beautifully renovated 1BR Co-op on the 4th Floor of pre-war building in the desirable Bronxville Ridge Complex. Very large Apt and great sun exposure, Separate Dinning area, Hardwood floors thought, Granite countertops, SS appliances, Amble closets space, On-site super, for you animal lovers Dogs & Cats are permitted with board approval, Very well maintained building & grounds, Playground & BBQ area, Wait list of assigned parking $45 for 1 car out door parking, Commuters with love its locations just minutes to Fleetwood Metro North & 25 minutes to NYC, easy access to 87, Hutchinson, Cross county, Bronx river & Sprain Parkway, Public Buses, and your choice to Cross county, Ridge Hill & Central Avenue shopping & Restaurants, Monthly Maintenance of $849.25 does not include star deduction. 20% is a must at contract signing. Additional Information: HeatingFuel:Oil Above Ground,

17. 2019-02-07
    status Pending 915-char remark

    Show marketing remark (915 chars)

    Beautifully renovated 1BR Co-op on the 4th Floor of pre-war building in the desirable Bronxville Ridge Complex. Very large Apt and great sun exposure, Separate Dinning area, Hardwood floors thought, Granite countertops, SS appliances, Amble closets space, On-site super, for you animal lovers Dogs & Cats are permitted with board approval, Very well maintained building & grounds, Playground & BBQ area, Wait list of assigned parking $45 for 1 car out door parking, Commuters with love its locations just minutes to Fleetwood Metro North & 25 minutes to NYC, easy access to 87, Hutchinson, Cross county, Bronx river & Sprain Parkway, Public Buses, and your choice to Cross county, Ridge Hill & Central Avenue shopping & Restaurants, Monthly Maintenance of $849.25 does not include star deduction. 20% is a must at contract signing. Additional Information: HeatingFuel:Oil Above Ground,

18. 2018-12-28
    listed $159,900 Active 915-char remark

    Show marketing remark (915 chars)

    Beautifully renovated 1BR Co-op on the 4th Floor of pre-war building in the desirable Bronxville Ridge Complex. Very large Apt and great sun exposure, Separate Dinning area, Hardwood floors thought, Granite countertops, SS appliances, Amble closets space, On-site super, for you animal lovers Dogs & Cats are permitted with board approval, Very well maintained building & grounds, Playground & BBQ area, Wait list of assigned parking $45 for 1 car out door parking, Commuters with love its locations just minutes to Fleetwood Metro North & 25 minutes to NYC, easy access to 87, Hutchinson, Cross county, Bronx river & Sprain Parkway, Public Buses, and your choice to Cross county, Ridge Hill & Central Avenue shopping & Restaurants, Monthly Maintenance of $849.25 does not include star deduction. 20% is a must at contract signing. Additional Information: HeatingFuel:Oil Above Ground,

19. 2008-01-05
    historical
20. 2007-07-05
    listed
21. 2005-11-28
    soldstatus $159,000
22. 2005-10-27
    historical
23. 2005-05-27
    listed $159,000
24. 2002-06-14
    soldstatus $60,000
25. 2002-05-06
    historical
26. 2002-05-06
    price $65,900
27. 2002-02-06
    listed $60,000

ⓘ 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 5/10 Major FEMA zone X (unshaded) · 66% 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: $30,359
• − Mortgage interest: −$10,923
• − Property taxes: −$2,925
• − Insurance: −$975
• − Repairs & maintenance: −$2,429
• − Management: −$2,429
• − Depreciation: −$5,673
• Taxable income: $5,006
• Est. tax owed @ 24.0%: −$1,201
• After-tax cash flow: $6,611/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

+225.0% since first listed

13 events — show timeline

• 2026-04-16 Listed $195,000 OneKey® MLS as Distributed by MLS Grid
• 2019-03-29 Sold (MLS) $153,000 OneKey® MLS as Distributed by MLS Grid
• 2019-02-07 Pending — OneKey® MLS as Distributed by MLS Grid
• 2018-12-28 Listed $159,900 OneKey® MLS as Distributed by MLS Grid
• 2008-01-05 Delisted — HGMLS
• 2007-07-05 Listed — HGMLS
• 2005-11-28 Sold (MLS) $159,000 HGMLS
• 2005-10-27 Delisted — HGMLS
• 2005-05-27 Listed $159,000 HGMLS
• 2002-06-14 Sold (MLS) $60,000 HGMLS
• 2002-05-06 Price Changed $65,900 HGMLS
• 2002-05-06 Delisted — HGMLS
• 2002-02-06 Listed $60,000 HGMLS