85 Bronx River Road Rd Unit 3S · Yonkers, NY 10704

$180,999

1 bd · 1.0 ba · 815 sqft · Condo · 92 Days on market

Built 1926 $222/sqft · at area comps Est $189k · 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 +30.0/30.0
• DSCR +10.0/10.0
• ARV discount +9.4/15.0
• 1% rule +8.8/10.0
• Rent growth +5.0/5.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

Key facts

• Built 1926
• Listed 92 days

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $181k.

Deal economics

• At list price, monthly cash flow is $715 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $181k).
• Recommended offer: $165k (9.0% below list) — sets the bar for market timing.
• Cap rate 11.0% 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 (+21.0%/yr); 165 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 $51k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 92 days — a 9% lower offer ($165k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 26y 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; 18% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.
• 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 $164,709 (9.0% below list)

Questions for the listing agent

1. It's been on market 92 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1926 — 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: 1.38% ✓
• Cap rate: 11.04%
• Cash-on-cash: 16.94%
• DSCR: 1.75
• GRM: 6.1

CMA / ARV

• ARV (median comp): $188,960
• List price: $180,999
• Delta: -4.21%
• 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: 13.7%
• Equity multiple: 1.58×
• Total profit: $29,425
• Equity at exit: $26,988

10-year hold

• IRR: 26.1%
• Equity multiple: 3.85×
• Total profit: $144,312
• Equity at exit: $15,649

Cash invested: $50,680 (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: 165
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $2,489 high
• Mortgage (P&I): −$949
• Tax est. 1.5%: −$226 /mo · $2,715/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$523
• Net cashflow: $715

Break-even live

Break-even rent $1,583

Max offer price $180,999

Occupancy floor 66%

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: $45,250
• Closing costs: $5,430
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
135 Wakefield Ave Yonkers, NY	2.0	1.0	850	$3,000	$3.53	43d	2	0.16mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	43d	1	0.33mi
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,250	$2.81	24d	1	0.41mi
277 Bronx River Rd Apt 3M Yonkers, NY	—	1.0	550	$1,700	$3.09	43d	1	0.46mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	24d	1	0.64mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	43d	1	0.75mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	13d	1	0.80mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	0.90mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	24d	1	0.91mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	24d	1	0.91mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	0.94mi
675 McLean Ave Unit 006H Yonkers, NY	1.0	1.0	577	$2,071	$3.59	4d	1	0.97mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	43d	1	0.99mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	11d	1	1.06mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	24d	1	1.08mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	43d	1	1.10mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	18d	1	1.10mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	7d	1	1.14mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	17d	1	1.14mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	20d	1	1.25mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	1.32mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	24d	1	1.36mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	16d	1	1.39mi
257 S 2nd Ave Mount Vernon, NY	1.0	1.0	800	$2,250	$2.81	24d	1	1.40mi
429 S 3rd Ave Mount Vernon, NY	1.0	1.0	600	$2,300	$3.83	3d	1	1.43mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	24d	1	1.44mi
130 Harrison Ave Yonkers, NY	1.0	1.0	650	$1,900	$2.92	43d	1	1.46mi
7 Monroe St Unit 3A Mt Vernon, NY	2.0	1.0	600	$2,200	$3.67	18d	1	1.49mi
57 Putnam Ave Yonkers, NY	2.0	1.0	900	$3,000	$3.33	11d	1	1.49mi
57 Putnam Ave Yonkers, NY	2.0	1.0	900	$3,000	$3.33	22d	1	1.49mi

HOA detail condo

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

Listing history 24 events

1. 2026-05-08
   status Pending 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

2. 2026-03-25
   price $180,999 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

3. 2026-03-06
   status Active 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

4. 2026-02-24
   status Pending 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

5. 2026-02-20
   status Active 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

6. 2026-01-18
   status Pending 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

7. 2025-12-23
   listed $180,000 Active 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

8. 2025-12-22
   historical $180,000 637-char remark

   Show marketing remark (637 chars)

   This unit has gleaming hardwood floors throughout the unit. The property is uniquely positioned in the building and provides the maximum privacy, peace and quiet this building has to offer. The open concept layout is only present in 4 of the 18 lines in the building. It is perfect for someone working at the hospital or other profession that needs somewhere close to live, and requires peace and quiet. CLOSETS GALORE, I have never seen an apartment with so many closets. With all the conveniences nearby, shopping, restaurants, movies, County Center and so much more, this unit is the perfect place to live. Clean and ready to move in.

9. 2023-11-05
   status Active
10. 2023-10-12
    status Pending
11. 2023-08-16
    price $180,000
12. 2023-08-14
    status Active
13. 2023-07-28
    status Pending
14. 2023-06-08
    listed $175,000 Active
15. 2005-12-16
    soldstatus $153,000
16. 2005-09-30
    price $160,000
17. 2005-09-30
    historical
18. 2005-05-25
    listed $153,000
19. 2003-03-03
    historical
20. 2003-01-14
    listed
21. 2001-08-18
    historical
22. 2000-10-18
    listed
23. 2000-06-28
    historical
24. 2000-03-27
    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: $29,867
• − Mortgage interest: −$10,139
• − Property taxes: −$2,715
• − Insurance: −$905
• − Repairs & maintenance: −$2,389
• − Management: −$2,389
• − Depreciation: −$5,265
• Taxable income: $6,064
• Est. tax owed @ 24.0%: −$1,455
• After-tax cash flow: $7,129/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

+18.3% since first listed

24 events — show timeline

• 2026-05-08 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-03-25 Price Changed $180,999 OneKey® MLS as Distributed by MLS Grid
• 2026-03-06 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-02-24 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-02-20 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-01-18 Pending — OneKey® MLS as Distributed by MLS Grid
• 2025-12-23 Listed $180,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-22 Coming Soon $180,000 OneKey® MLS as Distributed by MLS Grid
• 2023-11-05 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2023-10-12 Pending — OneKey® MLS as Distributed by MLS Grid
• 2023-08-16 Price Changed $180,000 OneKey® MLS as Distributed by MLS Grid
• 2023-08-14 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2023-07-28 Pending — OneKey® MLS as Distributed by MLS Grid
• 2023-06-08 Listed $175,000 OneKey® MLS as Distributed by MLS Grid
• 2005-12-16 Sold (MLS) $153,000 HGMLS
• 2005-09-30 Delisted — HGMLS
• 2005-09-30 Price Changed $160,000 HGMLS
• 2005-05-25 Listed $153,000 HGMLS
• 2003-03-03 Delisted — HGMLS
• 2003-01-14 Listed — HGMLS
• 2001-08-18 Delisted — HGMLS
• 2000-10-18 Listed — HGMLS
• 2000-06-28 Delisted — HGMLS
• 2000-03-27 Listed — HGMLS