1 Vincent Rd Unit 1G · Yonkers, NY 10708

$179,999

1 bd · 1.0 ba · 750 sqft · Condo · 141 Days on market

Built 1955 $240/sqft · 13% below area Est $207k · 13% under

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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
• ARV discount +13.5/15.0
• DSCR +10.0/10.0
• 1% rule +9.1/10.0
• 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

Welcome home to a beautifully updated 1 bed, 1 bath unit in the well maintained Vincent Arms complex. This unit features a dining area and spacious living room with breakfast bar. The modern kitchen offers granite countertops, stainless steel appliances, and recessed lighting. The bedroom includes two closets, one a walk-in, plus remote-controlled blinds for convenience and an adjacent updated bathroom is finished with elegant travertine marble. Building amenities include a common laundry room on the ground level and a live in superintendent. Enjoy the park right across the building entrance providing a perfect outdoor retreat with sitting area, playground, and basketball court. Ideally situated near Fleetwood & Bronxville Metro North stations, Bee-Line bus stops, Bronx River and Cross County Pkwys, Cross County Mall, and Bronxville Village. A comfortable and stylish home in a desirable location!

Key facts

• Dining area
• Modern kitchen
• Granite countertops

Tags

• UPDATED UNIT
• DINING AREA
• SPACIOUS LIVING ROOM
• BREAKFAST BAR
• MODERN KITCHEN
• GRANITE COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $180k.

Deal economics

• At list price, monthly cash flow is $693 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $180k).
• Recommended offer: $158k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.4% 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; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 $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 + 4.3% rent growth), your $50k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 141 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y ago; this cycle's ask has dropped $20k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe 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 $158,399 (12.0% below list)

Questions for the listing agent

1. It's been on market 141 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 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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.
8. 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.
9. 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: 1.41% ✓
• Cap rate: 11.35%
• Cash-on-cash: 18.08%
• DSCR: 1.80
• GRM: 5.9

CMA / ARV

• ARV (median comp): $207,441
• List price: $179,999
• Delta: -13.23%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 4.27% rent growth · sell at horizon

5-year hold

• IRR: 9.1%
• Equity multiple: 1.36×
• Total profit: $18,320
• Equity at exit: $26,838

10-year hold

• IRR: 19.4%
• Equity multiple: 2.72×
• Total profit: $86,911
• Equity at exit: $15,563

Cash invested: $50,400 (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: 5.9×

Monthly cashflow live

• Estimated rent: $2,536 high
• Mortgage (P&I): −$944
• Tax est. 1.5%: −$225 /mo · $2,700/yr
• Insurance: −$75
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$533
• Net cashflow: $693

Break-even live

Break-even rent $1,659

Max offer price $179,999

Occupancy floor 68%

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 35 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	24d	1	0.35mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$3,956	$3.90	24d	15	0.39mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$2,841	$2.97	1d	16	0.39mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	24d	1	0.43mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	24d	1	0.43mi
51 Parkway Rd Apt 3 Bronxville, NY	1.0	1.0	1100	$3,100	$2.82	24d	1	0.56mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$1,850	$2.55	22d	2	0.57mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	24d	1	0.65mi
28 Tunis Ave Unit 2 Yonkers, NY	2.0	1.0	900	$3,000	$3.33	43d	1	0.67mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	16d	1	0.70mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	24d	1	0.88mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	0.97mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	18d	1	1.01mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	43d	1	1.01mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	20d	1	1.02mi
64 Sagamore Rd Unit A6 Bronxville, NY	1.0	1.0	850	$2,900	$3.41	4d	1	1.07mi
64 Kensington Rd Apt 1A Bronxville, NY	1.0	1.0	800	$2,895	$3.62	11d	1	1.12mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	24d	1	1.13mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	43d	1	1.17mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	18d	1	1.22mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	11d	1	1.26mi
111 Kensington Rd Unit 8 Bronxville, NY	1.0	1.0	825	$2,650	$3.21	13d	1	1.29mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	1.30mi
28 Kenilworth Rd Unit The Cottage Yonkers, NY	1.0	1.0	600	$1,950	$3.25	14d	1	1.31mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	24d	1	1.34mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	43d	1	1.34mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	24d	1	1.36mi
118 N Columbus Ave Mount Vernon, NY	1.0	1.0	650	$1,700	$2.62	24d	1	1.41mi
112 N Columbus Ave Unit 2 Mt Vernon, NY	2.0	2.0	900	$2,997	$3.33	18d	1	1.42mi
42 Winchester Ave Unit 2A Yonkers, NY	1.0	1.0	700	$2,100	$3.00	13d	1	1.43mi
85 Bennett Ave Unit 2 Yonkers, NY	2.0	1.0	1000	$2,500	$2.50	43d	1	1.43mi
717 Tuckahoe Rd Unit 16A Yonkers, NY	1.0	1.0	650	$2,495	$3.84	4d	1	1.46mi
1549 Central Park Ave Yonkers, NY	2.0	1.0	850	$2,400	$2.82	43d	1	1.48mi
1 Elm St Unit 3B Tuckahoe, NY	2.0	1.0	1100	$3,200	$2.91	10d	1	1.49mi
1 Elm St Unit 3B Tuckahoe, NY	2.0	1.0	1100	$3,200	$2.91	7d	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 $179,999 Active 141 DOM
2. 2026-06-17
   days on market $179,999 Active 140 DOM
3. 2026-06-16
   days on market $179,999 Active 139 DOM
4. 2026-06-15
   days on market $179,999 Active 138 DOM
5. 2026-06-13
   days on market $179,999 Active 136 DOM
6. 2026-06-09
   days on market $179,999 Active 132 DOM
7. 2026-06-08
   days on market $179,999 Active 131 DOM
8. 2026-06-07
   days on market $179,999 Active 130 DOM
9. 2026-06-04
   days on market $179,999 Active 127 DOM
10. 2026-06-03
    days on market $179,999 Active 126 DOM
11. 2026-06-02
    days on market $179,999 Active 125 DOM
12. 2026-06-01
    days on market $179,999 Active 124 DOM
13. 2026-05-31
    days on market $179,999 Active 123 DOM
14. 2026-05-11
    price $179,999 913-char remark

    Show marketing remark (913 chars)

    Welcome home to a beautifully updated 1 bed, 1 bath unit in the well maintained Vincent Arms complex. This unit features a dining area and spacious living room with breakfast bar. The modern kitchen offers granite countertops, stainless steel appliances, and recessed lighting. The bedroom includes two closets, one a walk-in, plus remote-controlled blinds for convenience and an adjacent updated bathroom is finished with elegant travertine marble. Building amenities include a common laundry room on the ground level and a live in superintendent. Enjoy the park right across the building entrance providing a perfect outdoor retreat with sitting area, playground, and basketball court. Ideally situated near Fleetwood & Bronxville Metro North stations, Bee-Line bus stops, Bronx River and Cross County Pkwys, Cross County Mall, and Bronxville Village. A comfortable and stylish home in a desirable location!

15. 2026-04-13
    price $180,000 913-char remark

    Show marketing remark (913 chars)

    Welcome home to a beautifully updated 1 bed, 1 bath unit in the well maintained Vincent Arms complex. This unit features a dining area and spacious living room with breakfast bar. The modern kitchen offers granite countertops, stainless steel appliances, and recessed lighting. The bedroom includes two closets, one a walk-in, plus remote-controlled blinds for convenience and an adjacent updated bathroom is finished with elegant travertine marble. Building amenities include a common laundry room on the ground level and a live in superintendent. Enjoy the park right across the building entrance providing a perfect outdoor retreat with sitting area, playground, and basketball court. Ideally situated near Fleetwood & Bronxville Metro North stations, Bee-Line bus stops, Bronx River and Cross County Pkwys, Cross County Mall, and Bronxville Village. A comfortable and stylish home in a desirable location!

16. 2026-01-28
    listed $200,000 Active 913-char remark

    Show marketing remark (913 chars)

    Welcome home to a beautifully updated 1 bed, 1 bath unit in the well maintained Vincent Arms complex. This unit features a dining area and spacious living room with breakfast bar. The modern kitchen offers granite countertops, stainless steel appliances, and recessed lighting. The bedroom includes two closets, one a walk-in, plus remote-controlled blinds for convenience and an adjacent updated bathroom is finished with elegant travertine marble. Building amenities include a common laundry room on the ground level and a live in superintendent. Enjoy the park right across the building entrance providing a perfect outdoor retreat with sitting area, playground, and basketball court. Ideally situated near Fleetwood & Bronxville Metro North stations, Bee-Line bus stops, Bronx River and Cross County Pkwys, Cross County Mall, and Bronxville Village. A comfortable and stylish home in a desirable location!

17. 2025-12-12
    historical $2,200
18. 2025-08-07
    listed $2,200
19. 2022-02-24
    soldstatus $168,000 Closed 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to 1 Vincent Road in the sought after Vincent Arms Complex! This lovely mint condition one bedroom unit is conveniently located within walking distance to Metro North, shopping, restaurants, biking/running trails and villages of Bronxville & Fleetwood! Renovated kitchen offers granite countertops, stainless steel appliances with convenient pass-through breakfast bar with seating into spacious, sunny living room/dining area. Crown molding has been added enhancing the architectural detail. Hard-wood floors throughout (with exception of kitchen). Comfortably sized master bedroom with large walk in closet. Beautifully renovated bathroom with high-quality travertine marble. Wonderful park located across the street. Short waitlist for assigned parking but plenty of street parking all around. Access to major highways (Bronx River, Cross County & Hutch Pkwys & I87). Elevator building with laundry on main floor. MUST SEE mint condition unit that won't last long! Additional Information: HeatingFuel:Oil Above Ground,

20. 2021-11-08
    status Pending 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to 1 Vincent Road in the sought after Vincent Arms Complex! This lovely mint condition one bedroom unit is conveniently located within walking distance to Metro North, shopping, restaurants, biking/running trails and villages of Bronxville & Fleetwood! Renovated kitchen offers granite countertops, stainless steel appliances with convenient pass-through breakfast bar with seating into spacious, sunny living room/dining area. Crown molding has been added enhancing the architectural detail. Hard-wood floors throughout (with exception of kitchen). Comfortably sized master bedroom with large walk in closet. Beautifully renovated bathroom with high-quality travertine marble. Wonderful park located across the street. Short waitlist for assigned parking but plenty of street parking all around. Access to major highways (Bronx River, Cross County & Hutch Pkwys & I87). Elevator building with laundry on main floor. MUST SEE mint condition unit that won't last long! Additional Information: HeatingFuel:Oil Above Ground,

21. 2021-10-07
    listed $170,000 Active 1041-char remark

    Show marketing remark (1041 chars)

    Welcome to 1 Vincent Road in the sought after Vincent Arms Complex! This lovely mint condition one bedroom unit is conveniently located within walking distance to Metro North, shopping, restaurants, biking/running trails and villages of Bronxville & Fleetwood! Renovated kitchen offers granite countertops, stainless steel appliances with convenient pass-through breakfast bar with seating into spacious, sunny living room/dining area. Crown molding has been added enhancing the architectural detail. Hard-wood floors throughout (with exception of kitchen). Comfortably sized master bedroom with large walk in closet. Beautifully renovated bathroom with high-quality travertine marble. Wonderful park located across the street. Short waitlist for assigned parking but plenty of street parking all around. Access to major highways (Bronx River, Cross County & Hutch Pkwys & I87). Elevator building with laundry on main floor. MUST SEE mint condition unit that won't last long! Additional Information: HeatingFuel:Oil Above Ground,

22. 2014-03-15
    price $103,000
23. 2009-11-06
    soldstatus $103,000 Sold
24. 2009-08-30
    historical
25. 2009-05-29
    historical
26. 2009-05-29
    price $115,000
27. 2008-05-22
    listed $115,000

ⓘ 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 8/10 Severe FEMA zone X (unshaded) · 78% 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: $30,429
• − Mortgage interest: −$10,083
• − Property taxes: −$2,700
• − Insurance: −$1,697
• − Repairs & maintenance: −$2,434
• − Management: −$2,434
• − Depreciation: −$5,236
• Taxable income: $5,844
• Est. tax owed @ 24.0%: −$1,402
• After-tax cash flow: $6,912/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

+56.5% since first listed

14 events — show timeline

• 2026-05-11 Price Changed $179,999 OneKey® MLS as Distributed by MLS Grid
• 2026-04-13 Price Changed $180,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-28 Listed $200,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-12 Rental Removed $2,200 ONEKEY
• 2025-08-07 Listed for Rent $2,200 ONEKEY
• 2022-02-24 Sold (MLS) $168,000 OneKey® MLS as Distributed by MLS Grid
• 2021-11-08 Pending — OneKey® MLS as Distributed by MLS Grid
• 2021-10-07 Listed $170,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $103,000 HGMLS
• 2009-11-06 Sold (MLS) $103,000 HGMLS
• 2009-08-30 Delisted — HGMLS
• 2009-05-29 Contingent — HGMLS
• 2009-05-29 Price Changed $115,000 HGMLS
• 2008-05-22 Listed $115,000 HGMLS