25 Lake St Unit 2E · White Plains, NY 10603

$299,900

2 bd · 2.0 ba · 1,100 sqft · Condo · 16 Days on market

Built 1968

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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 +25.3/30.0
• DSCR +8.4/10.0
• ARV discount +7.5/15.0
• 1% rule +6.6/10.0
• Schools +4.7/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

Key facts

• Garage
• Built 1968
• Listed 15 days

Property features AI

Finance

• Other: Living area source listed as Other
• HOA & community: Community features include curbs and sidewalks

Exterior

• Parking: Assigned attached garage parking (1 space); Total of 1 parking space
• Security: Video cameras
• Utilities: Electric service by Con-Edison; Public sewer; Public trash collection
• Home design: Stock cooperative; Updated/remodeled condition; One-level unit; Entry on level 1; Located on the second floor
• Construction: Brick and stone construction; Other foundation type
• Exterior features: Brick and stone exterior; Video camera security; Irrigation equipment; Lawn maintenance equipment; No waterfront; Curbs and sidewalks

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator; Granite counters
• Bedrooms: Second floor location
• Flooring: Hardwood floors
• Bathrooms: 2 full bathrooms
• Heating & cooling: Baseboard heating (natural gas); Wall/window air conditioning units
• Interior features: Eat-in kitchen; Elevator; Granite counters; ENERGY STAR qualified windows; Insulated windows; Bicycle room
• Laundry & utility: Common area laundry room with multiple locations; Gas water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $300k.

Deal economics

• At list price, monthly cash flow is $686 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $300k).
• Recommended offer: $295k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 4.3% in White Plains — 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 71/100 on livability (#410 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, crime A-; Watch: amenities F, cost of living F.
• White Plains City School District (urban): math 49% / reading 54% proficiency, ranked #313 of 590 in NY (top 53%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 111 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 44d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 50% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $2k of loan paydown is wiped out by about $9k 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 16 days — a 2% lower offer ($295k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 22y 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 $240k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: 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 $295,401 (1.5% below list)

Questions for the listing agent

1. Built in 1968 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. 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?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 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: 1.16% ✓
• Cap rate: 9.04%
• Cash-on-cash: 9.80%
• DSCR: 1.44
• GRM: 7.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -1.5%
• Equity multiple: 0.94×
• Total profit: $-4,873
• Equity at exit: $44,716

10-year hold

• IRR: 8.2%
• Equity multiple: 1.62×
• Total profit: $52,204
• Equity at exit: $25,930

Cash invested: $83,972 (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 10603

• Home prices YoY: -24.2%
• Active inventory: 111
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $3,491 high
• Mortgage (P&I): −$1,573
• Tax est. 1.5%: −$375 /mo · $4,498/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$733
• Net cashflow: $686

Break-even live

Break-even rent $2,623

Max offer price $299,900

Occupancy floor 75%

Sensitivity live

Price	-10% $893	-5% $789	+0% $686	+5% $582	+10% $478
Rent	-10% $410	-5% $548	+0% $686	+5% $824	+10% $961
Rate	-1.0pp $837	-0.5pp $762	base $686	+0.5pp $608	+1.0pp $529

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: $74,975
• Closing costs: $8,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
37 Lake St Unit 2B White Plains, NY	2.0	1.0	721	$3,140	$4.36	21d	1	0.04mi
17 Terrace Ave White Plains, NY	2.0	1.0	980	$3,500	$3.57	25d	1	0.05mi
21 Lake St Unit 6G White Plains, NY	1.0	1.0	806	$2,650	$3.29	44d	1	0.06mi
30 Lake St Apt 2I White Plains, NY	2.0	1.0	950	$3,100	$3.26	5d	1	0.07mi
7 Lake St Unit 8k White Plains, NY	2.0	1.0	975	$3,150	$3.23	45d	1	0.16mi
312 Main St Apt 2 E White Plains, NY	1.0	1.0	800	$2,450	$3.06	13d	1	0.22mi
300 Main St White Plains, NY	1.0	1.0	956	$2,825	$2.95	22d	2	0.24mi
440 Hamilton Ave White Plains, NY	2.0	1.0–2.0	880	$5,554	$6.31	0d	31	0.27mi
108 N Kensico AVE Unit 5A	2.0	1.5	950	$3,400	$3.58	25d	1	0.27mi
37 Lake St White Plains, NY	1.0–2.0	1.0	685	$3,240	$4.73	44d	1	0.30mi
55 N Broadway Unit 3-15H White Plains, NY	2.0	2.5	1310	$3,850	$2.94	44d	1	0.32mi
42 Barker Ave Unit 4C White Plains, NY	1.0	1.0	800	$2,300	$2.88	44d	1	0.34mi
1 S Broadway Apt 1L White Plains, NY	2.0	1.0	1000	$2,950	$2.95	44d	1	0.35mi
7-11 S Broadway White Plains, NY	1.0	1.0	746	$3,295	$4.42	13d	1	0.36mi
125 Lake St Unit 6BN White Plains, NY	2.0	2.0	975	$3,050	$3.13	45d	1	0.38mi
125 Lake St Unit 12NN White Plains, NY	2.0	1.0	850	$2,700	$3.18	44d	1	0.38mi
10 City Pl Unit 2D White Plains, NY	1.0	1.5	1069	$3,895	$3.64	15d	1	0.44mi
27 Barker Ave White Plains, NY	2.0	1.0–2.0	1131	$5,391	$4.76	0d	18	0.45mi
240 Martine Ave Apt 4G White Plains, NY	3.0	2.0	1460	$4,195	$2.87	44d	1	0.47mi
234 Martine Ave White Plains, NY	3.0	2.0	1460	$4,195	$2.87	24d	1	0.47mi
28 Beechwood Ave West Harrison, NY	3.0	1.0	1239	$4,800	$3.87	18d	1	0.49mi
1 Renaissance Sq Unit 7B White Plains, NY	1.0	1.5	1048	$5,500	$5.25	44d	1	0.50mi
51 S Broadway White Plains, NY	1.0	1.0	752	$3,342	$4.44	3d	2	0.51mi
115 N Broadway White Plains, NY	2.0	2.5	1450	$3,750	$2.59	44d	1	0.52mi
16 Edward St Unit 2nd floor West Harrison, NY	2.0	1.0	900	$2,600	$2.89	44d	1	0.53mi
131 Mamaroneck Ave White Plains, NY	3.0	1.0–2.0	974	$5,072	$5.21	0d	17	0.57mi
1 Lyon Pl Unit 907 White Plains, NY	2.0	2.0	1120	$4,555	$4.07	3d	1	0.60mi
100 Hale Ave White Plains, NY	2.0	1.0–2.0	908	$4,961	$5.46	1d	11	0.61mi
10 Lyon Pl White Plains, NY	2.0	1.0–2.0	870	$4,375	$5.03	44d	17	0.63mi
26 Hillside Ter Unit F White Plains, NY	1.0	1.0	782	$2,700	$3.45	44d	1	0.64mi
5 Madison St Unit 2R West Harrison, NY	3.0	1.0	950	$3,450	$3.63	44d	1	0.66mi
1 DeKalb Ave White Plains, NY	1.0	1.0	749	$3,390	$4.53	44d	1	0.66mi
42 Waller Ave White Plains, NY	2.0	1.0	1150	$3,300	$2.87	44d	1	0.68mi
26 Fairview Ave White Plains, NY	3.0	1.5	1100	$3,600	$3.27	44d	1	0.68mi
25 N Lexington Ave White Plains, NY	3.0	1.0–2.0	988	$6,149	$6.22	0d	25	0.73mi
Gainsborg Ave West Harrison, NY	2.0	1.0	980	$2,800	$2.86	15d	1	0.74mi
34 S Lexington Ave White Plains, NY	1.0–2.0	1.0–2.0	871	$4,195	$4.82	5d	6	0.78mi
295 Columbus Ave Unit 2 West Harrison, NY	2.0	1.0	946	$2,700	$2.85	44d	1	0.80mi
295 Columbus Ave Unit 1 West Harrison, NY	1.0	1.0	726	$3,600	$4.96	44d	1	0.80mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$3,025	$3.91	19d	2	0.81mi

HOA detail condo

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

Listing history 32 events

1. 2026-05-11
   listed $299,900 Active 743-char remark
2. 2026-05-01
   price $299,900 743-char remark
3. 2026-04-30
   historical $249,900 743-char remark
4. 2019-05-15
   soldstatus $240,000 Sold 798-char remark

   Show marketing remark (798 chars)

   Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

5. 2019-02-11
   status Pending 798-char remark

   Show marketing remark (798 chars)

   Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

6. 2018-12-31
   status Active 798-char remark

   Show marketing remark (798 chars)

   Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

7. 2018-12-29
   historical 798-char remark

   Show marketing remark (798 chars)

   Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

8. 2018-10-25
   price $244,999 798-char remark

   Show marketing remark (798 chars)

   Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

9. 2018-09-06
   status Active 798-char remark

   Show marketing remark (798 chars)

   Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

10. 2018-08-29
    historical Pending 798-char remark

    Show marketing remark (798 chars)

    Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

11. 2018-07-03
    listed $249,900 Active 798-char remark

    Show marketing remark (798 chars)

    Just reduced!!!!! LOVELY 2 BEDROOM/2 BATH CO-OP WITH SOUTHEAST EXPOSURE LETTING IN THE SUN. ENTRY FOYER WITH LARGE L SHAPED LIVING ROOM/DINING ROOM FINISHED WITH BEAUTIFUL MAHOGANY FLOORS AND CHAIR RAILINGS. EAT IN KITCHEN WITH WOOD CABINETS, TUMBLE MARBLE BACKSPLASH AND GRANITE COUNTERTOPS/CERAMIC FLOOR. MASTER BEDROOM/MASTER BATH. ADDITIONAL SECOND BEDROOM. FULL HALLWAY BATHROOM WITH 2 CUSTOMIZED CLOSETS. AIR CONDITIONING UNITS REMAIN. LAUNDRY ON 3RD AND 6TH FLOOR. BUILDING IS SITUATED DIRECTLY ACROSS THE STREET FROM HARVEY PARK. SUN BATHE, GRILL, STATE OF THE ART PLAYGROUND OR JUST TAKE IN THE SHADE. 18 MINUTE WALK TO METRO NORTH, 4 BLOCKS TO DOWNTOWN WHITE PLAINS. (SELLER LOOKING TO LEAVE SOME FURNITURE but can easily remove). (DTI COMFORTABLE AT 30). Additional parking 1 block away!

12. 2014-06-30
    price $235,000 Sold

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

13. 2014-06-30
    soldstatus $235,000 Sold

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

14. 2014-06-30
    soldstatus $235,000

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

15. 2014-06-01
    historical Pending

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

16. 2014-05-31
    price $249,000

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

17. 2014-03-28
    listed $249,000 Active

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

18. 2014-03-28
    listed $249,000

    Show marketing remark (466 chars)

    Spacious and bright two bedroom, two bath apartment in the heart of White Plains. The renovated kitchen with granite counters, engineered floating wood floors and great closet space makes for comfortable living. Conveniently located to Metro-North, all transportation and highways, shopping, restaurants, assigned parking and all White Plains has to offer, completes the dream. Owner rents parking space off premise at $85 per month that can be transferred to buyer.

19. 2014-03-15
    price $242,500
20. 2010-09-17
    soldstatus $242,500 Sold
21. 2010-09-14
    historical
22. 2010-06-23
    historical Pending
23. 2010-06-22
    price $259,900
24. 2010-04-01
    price $259,900
25. 2010-03-17
    price $279,000
26. 2010-01-12
    listed $289,000 Active
27. 2009-09-25
    historical Cancelled
28. 2009-04-15
    listed
29. 2004-08-25
    soldstatus $252,000
30. 2004-06-02
    historical
31. 2004-06-02
    price $262,500
32. 2004-05-05
    listed $252,000

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $41,897
• − Mortgage interest: −$16,799
• − Property taxes: −$4,498
• − Insurance: −$1,500
• − Repairs & maintenance: −$3,352
• − Management: −$3,352
• − Depreciation: −$8,724
• Taxable income: $3,672
• Est. tax owed @ 24.0%: −$881
• After-tax cash flow: $7,347/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: White Plains City School District
• NCES district ID: 3631260
• Math proficiency: 49% ▼ -6.00%
• Reading proficiency: 54% ▲ 2.00%
• Median HH income: $78,366
• Composite: 46.72/100
• National rank: #2397
• State rank: #313 of 590 in NY

Livability — White Plains

• Score: 71/100
• State rank: #410
• US rank: #6801

Category grades

Amenities F Commute A+ Cost of living F Crime A- Employment A+ Housing B- Health & safety A- User ratings D

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: White Plains, NY
• City population: 61,281
• Population (ZIP): 19,201

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: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: Hispanic / Latino 35% White 34% Black 21% Two or more races 13% Asian 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 7% Dominican 3%
• Common ancestry: Hispanic 3% Romanian 2% Lithuanian 1%
• Foreign-born: 33% · Canada, Jamaica, China
• Languages at home: 55% English-only · Spanish 31% Other Indo-European 8% French/Haitian/Cajun 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: ▼ -101.72%
• Current HPI: 317.8177
• 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

+19.0% since first listed

32 events — show timeline

• 2026-05-11 Listed $299,900 OneKey® MLS as Distributed by MLS Grid
• 2026-05-01 Price Changed $299,900 OneKey® MLS as Distributed by MLS Grid
• 2026-04-30 Coming Soon — OneKey® MLS as Distributed by MLS Grid
• 2019-05-15 Sold (MLS) $240,000 OneKey® MLS as Distributed by MLS Grid
• 2019-02-11 Pending — OneKey® MLS as Distributed by MLS Grid
• 2018-12-31 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2018-12-29 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2018-10-25 Price Changed $244,999 OneKey® MLS as Distributed by MLS Grid
• 2018-09-06 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2018-08-29 Contingent — OneKey® MLS as Distributed by MLS Grid
• 2018-07-03 Listed $249,900 OneKey® MLS as Distributed by MLS Grid
• 2014-06-30 Sold (MLS) $235,000 OneKey® MLS as Distributed by MLS Grid
• 2014-06-30 Sold (MLS) $235,000 HGMLS
• 2014-06-30 Price Changed $235,000 HGMLS
• 2014-06-01 Contingent — HGMLS
• 2014-05-31 Price Changed $249,000 HGMLS
• 2014-03-28 Listed $249,000 HGMLS
• 2014-03-28 Listed $249,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $242,500 HGMLS
• 2010-09-17 Sold (MLS) $242,500 HGMLS
• 2010-09-14 Delisted — HGMLS
• 2010-06-23 Contingent — HGMLS
• 2010-06-22 Price Changed $259,900 HGMLS
• 2010-04-01 Price Changed $259,900 HGMLS
• 2010-03-17 Price Changed $279,000 HGMLS
• 2010-01-12 Listed $289,000 HGMLS
• 2009-09-25 Delisted — HGMLS
• 2009-04-15 Listed — HGMLS
• 2004-08-25 Sold (MLS) $252,000 HGMLS
• 2004-06-02 Price Changed $262,500 HGMLS
• 2004-06-02 Delisted — HGMLS
• 2004-05-05 Listed $252,000 HGMLS