37 Fieldstone Dr Unit E4 · White Plains, NY 10530

$315,000

2 bd · 1.5 ba · 1,150 sqft · Condo · 10 Days on market

Built 1955

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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 +24.5/30.0
• DSCR +7.9/10.0
• ARV discount +7.1/15.0
• 1% rule +6.3/10.0
• Schools +4.9/10.0
• 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

Fresh, Bright, and Full of Sunlight. STEP INTO WHAT’S NEXT at the picturesque REX RIDGE - Hartsdale’s most desirable garden-style co-op community! Simple, relaxed living in this TOP-FLOOR, 2-bedroom, 1.5 bath apartment. PRIVATE PARKING, IN-UNIT WASHER AND DRYER, PRIVATE IN-GROUND POOL, PRIVATE PLAYGROUND, PATIO BBQ AREA, WELL LANDSCAPED GROUNDS, AND SNOW REMOVAL - IT HAS IT ALL. Upon entering, you are greeted by the dining area which easily seats 6ppl. Tour the expansive living room and home office area and enjoy city and woodland views. The primary bedroom invites you to a space of rest and relaxation - featuring a half bath with natural window lighting. With East & West facing exposures, there is no scarcity of warm sunrises and gorgeous sunsets. The kitchen is both functional and bright, showcasing white cabinetry and breakfast nook - perfect for all cooking needs. Enjoy the convenience of your own in-unit washer and dryer. DO NOT MISS touring the beautiful patio space (directly across from building entrance) perfect for al-fresco dining, BBQing, morning coffee, gardening, or to simply unwind. At Rex Ridge, enjoy a low-maintenance lifestyle of co-op living with exceptional amenities! Leave mowing the lawn, raking leaves, shoveling snow, and skimming the pool to the experts as it’s all included in the maintenance fee. Additional features include on-site storage units (waitlist), bike storage, and a live-in superintendent. 1 Indoor cat is welcomed (no dogs). Subletting permitted (up to 5 year) after occupying for 3 years - providing flexibility for the future. Maintenance Fee also includes: property taxes, heat, and hot water. Located between the charm of Hartsdale Village and the energy of White Plains, you’re minutes from vibrant restaurants, cafes, shopping, parks, golf courses, and the scenic Bronx River trails. The Hartsdale & White Plains Metro North Stations are just a short drive away, putting you in NYC in just 35 minutes. A MUST SEE—schedule your private tour today!

Key facts

• Community pool
• Built 1955
• Listed 10 days

🏢 Co-op / cooperative unit. The $315,000 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $315k.

Deal economics

• At list price, monthly cash flow is $643 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $315k).
• Cap rate 8.7% 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.
• Greenburgh Central School District (suburban): math 51% / reading 55% proficiency, ranked #267 of 590 in NY (top 45%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 156 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 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

• Only 10 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 25y 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 $225k; 40% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• 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 $315,000

Questions for the listing agent

1. Built in 1955 — 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: 1.13% ✓
• Cap rate: 8.74%
• Cash-on-cash: 8.75%
• DSCR: 1.39
• GRM: 7.4

CMA / ARV

• ARV (median comp): $312,344
• List price: $315,000
• Delta: 0.85%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -3.0%
• Equity multiple: 0.89×
• Total profit: $-10,033
• Equity at exit: $46,968

10-year hold

• IRR: 6.7%
• Equity multiple: 1.50×
• Total profit: $44,220
• Equity at exit: $27,235

Cash invested: $88,200 (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 10530

• Active inventory: 156
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $3,570 high
• Mortgage (P&I): −$1,652
• Tax est. 1.5%: −$394 /mo · $4,725/yr
• Insurance: −$131
• HOA: −$0
• Vacancy / Maint / Mgmt: −$750
• Net cashflow: $643

Break-even live

Break-even rent $2,756

Max offer price $315,000

Occupancy floor 77%

Sensitivity live

Price	-10% $861	-5% $752	+0% $643	+5% $534	+10% $425
Rent	-10% $361	-5% $502	+0% $643	+5% $784	+10% $925
Rate	-1.0pp $802	-0.5pp $723	base $643	+0.5pp $561	+1.0pp $478

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: $78,750
• Closing costs: $9,450
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
55 Fieldstone Dr Unit 69 Hartsdale, NY	1.0	1.0	800	$2,100	$2.62	12d	1	0.07mi
400 High Point Dr Unit 206 Hartsdale, NY	1.0	1.0	987	$3,300	$3.34	44d	1	0.23mi
55 McKinley Ave Unit D2-3 White Plains, NY	1.0	1.0	809	$2,400	$2.97	44d	1	0.50mi
55 Bank St White Plains, NY	2.0	1.0–2.0	813	$5,418	$6.66	0d	23	0.90mi
9 Ridgeview Ave White Plains, NY	3.0	1.0	1500	$3,500	$2.33	25d	1	0.90mi
57 Bank St Unit 1040035P White Plains, NY	2.0	1.0–2.0	726	$9,348	$12.88	4d	3	0.91mi
15 Bank St White Plains, NY	1.0–2.0	1.0–2.0	934	$4,093	$4.38	0d	19	0.91mi
1 Martine Ave White Plains, NY	1.0–2.0	1.0–2.0	780	$4,295	$5.51	0d	10	0.97mi
25 N Lexington Ave White Plains, NY	3.0	1.0–2.0	988	$6,149	$6.22	0d	26	0.98mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$3,025	$3.91	20d	2	1.02mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$2,850	$3.69	14d	2	1.02mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$2,900	$3.75	44d	2	1.02mi
4 Martine Ave White Plains, NY	1.0	1.0	707	$2,750	$3.89	3d	1	1.02mi
26 Hillside Ter Unit F White Plains, NY	1.0	1.0	782	$2,700	$3.45	44d	1	1.05mi
26 Fairview Ave White Plains, NY	3.0	1.5	1100	$3,600	$3.27	44d	1	1.07mi
140 E Hartsdale Ave Hartsdale, NY	2.0	1.0	875	$2,895	$3.31	23d	1	1.18mi
27 Barker Ave White Plains, NY	2.0	1.0–2.0	1131	$5,391	$4.76	0d	18	1.24mi
846 Hartsdale Rd White Plains, NY	3.0	2.5	1500	$5,200	$3.47	18d	1	1.25mi
1 Renaissance Sq Unit 7B White Plains, NY	1.0	1.5	1048	$5,500	$5.25	44d	1	1.29mi
42 Barker Ave Unit 4C White Plains, NY	1.0	1.0	800	$2,300	$2.88	44d	1	1.36mi
55 N Broadway Unit 3-15H White Plains, NY	2.0	2.5	1310	$3,850	$2.94	44d	1	1.38mi
37 Lake St White Plains, NY	1.0–2.0	1.0	685	$3,240	$4.73	44d	1	1.39mi
290 E Main St Elmsford, NY	1.0–2.0	1.0–2.0	1077	$4,107	$3.81	0d	7	1.41mi
131 Mamaroneck Ave White Plains, NY	3.0	1.0–2.0	974	$5,072	$5.21	0d	17	1.43mi
115 N Broadway White Plains, NY	2.0	2.5	1450	$3,750	$2.59	44d	1	1.43mi
250 S Central Ave Apt 3I Hartsdale, NY	2.0	1.0	1000	$4,350	$4.35	44d	1	1.44mi
250 S Central Ave Apt 4A Hartsdale, NY	2.0	1.0	1289	$4,350	$3.37	18d	1	1.44mi
10 City Pl Unit 2D White Plains, NY	1.0	1.5	1069	$3,895	$3.64	16d	1	1.44mi
234 Martine Ave White Plains, NY	3.0	2.0	1460	$4,195	$2.87	25d	1	1.45mi
440 Hamilton Ave White Plains, NY	2.0	1.0–2.0	880	$5,554	$6.31	0d	30	1.45mi
240 Martine Ave Apt 4G White Plains, NY	3.0	2.0	1460	$4,195	$2.87	44d	1	1.45mi
250 Central Park Ave Unit 5I Hartsdale, NY	2.0	1.0	1000	$4,550	$4.55	18d	1	1.47mi
250 Mamaroneck Ave White Plains, NY	1.0–3.0	1.0–2.5	1298	$7,098	$5.47	0d	122	1.47mi
250 S Central Ave Hartsdale, NY	1.0–2.0	1.0–2.0	1084	$5,500	$5.07	0d	1	1.47mi
13 Granada Cres #1 White Plains, NY	2.0	2.0	1100	$3,500	$3.18	25d	1	1.48mi
1 S Broadway Apt 1L White Plains, NY	2.0	1.0	1000	$2,950	$2.95	44d	1	1.49mi

HOA detail condo

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

Listing history 21 events

1. 2026-05-12
   status Pending 2059-char remark

   Show marketing remark (2059 chars)

   Fresh, Bright, and Full of Sunlight. STEP INTO WHAT’S NEXT at the picturesque REX RIDGE - Hartsdale’s most desirable garden-style co-op community! Simple, relaxed living in this TOP-FLOOR, 2-bedroom, 1.5 bath apartment. PRIVATE PARKING, IN-UNIT WASHER AND DRYER, PRIVATE IN-GROUND POOL, PRIVATE PLAYGROUND, PATIO BBQ AREA, WELL LANDSCAPED GROUNDS, AND SNOW REMOVAL - IT HAS IT ALL. Upon entering, you are greeted by the dining area which easily seats 6ppl. Tour the expansive living room and home office area and enjoy city and woodland views. The primary bedroom invites you to a space of rest and relaxation - featuring a half bath with natural window lighting. With East & West facing exposures, there is no scarcity of warm sunrises and gorgeous sunsets. The kitchen is both functional and bright, showcasing white cabinetry and breakfast nook - perfect for all cooking needs. Enjoy the convenience of your own in-unit washer and dryer. DO NOT MISS touring the beautiful patio space (directly across from building entrance) perfect for al-fresco dining, BBQing, morning coffee, gardening, or to simply unwind. At Rex Ridge, enjoy a low-maintenance lifestyle of co-op living with exceptional amenities! Leave mowing the lawn, raking leaves, shoveling snow, and skimming the pool to the experts as it’s all included in the maintenance fee. Additional features include on-site storage units (waitlist), bike storage, and a live-in superintendent. 1 Indoor cat is welcomed (no dogs). Subletting permitted (up to 5 year) after occupying for 3 years - providing flexibility for the future. Maintenance Fee also includes: property taxes, heat, and hot water. Located between the charm of Hartsdale Village and the energy of White Plains, you’re minutes from vibrant restaurants, cafes, shopping, parks, golf courses, and the scenic Bronx River trails. The Hartsdale & White Plains Metro North Stations are just a short drive away, putting you in NYC in just 35 minutes. A MUST SEE—schedule your private tour today!

2. 2026-04-23
   listed $315,000 Active 2059-char remark

   Show marketing remark (2059 chars)

   Fresh, Bright, and Full of Sunlight. STEP INTO WHAT’S NEXT at the picturesque REX RIDGE - Hartsdale’s most desirable garden-style co-op community! Simple, relaxed living in this TOP-FLOOR, 2-bedroom, 1.5 bath apartment. PRIVATE PARKING, IN-UNIT WASHER AND DRYER, PRIVATE IN-GROUND POOL, PRIVATE PLAYGROUND, PATIO BBQ AREA, WELL LANDSCAPED GROUNDS, AND SNOW REMOVAL - IT HAS IT ALL. Upon entering, you are greeted by the dining area which easily seats 6ppl. Tour the expansive living room and home office area and enjoy city and woodland views. The primary bedroom invites you to a space of rest and relaxation - featuring a half bath with natural window lighting. With East & West facing exposures, there is no scarcity of warm sunrises and gorgeous sunsets. The kitchen is both functional and bright, showcasing white cabinetry and breakfast nook - perfect for all cooking needs. Enjoy the convenience of your own in-unit washer and dryer. DO NOT MISS touring the beautiful patio space (directly across from building entrance) perfect for al-fresco dining, BBQing, morning coffee, gardening, or to simply unwind. At Rex Ridge, enjoy a low-maintenance lifestyle of co-op living with exceptional amenities! Leave mowing the lawn, raking leaves, shoveling snow, and skimming the pool to the experts as it’s all included in the maintenance fee. Additional features include on-site storage units (waitlist), bike storage, and a live-in superintendent. 1 Indoor cat is welcomed (no dogs). Subletting permitted (up to 5 year) after occupying for 3 years - providing flexibility for the future. Maintenance Fee also includes: property taxes, heat, and hot water. Located between the charm of Hartsdale Village and the energy of White Plains, you’re minutes from vibrant restaurants, cafes, shopping, parks, golf courses, and the scenic Bronx River trails. The Hartsdale & White Plains Metro North Stations are just a short drive away, putting you in NYC in just 35 minutes. A MUST SEE—schedule your private tour today!

3. 2026-04-21
   historical $315,000 2059-char remark

   Show marketing remark (2059 chars)

   Fresh, Bright, and Full of Sunlight. STEP INTO WHAT’S NEXT at the picturesque REX RIDGE - Hartsdale’s most desirable garden-style co-op community! Simple, relaxed living in this TOP-FLOOR, 2-bedroom, 1.5 bath apartment. PRIVATE PARKING, IN-UNIT WASHER AND DRYER, PRIVATE IN-GROUND POOL, PRIVATE PLAYGROUND, PATIO BBQ AREA, WELL LANDSCAPED GROUNDS, AND SNOW REMOVAL - IT HAS IT ALL. Upon entering, you are greeted by the dining area which easily seats 6ppl. Tour the expansive living room and home office area and enjoy city and woodland views. The primary bedroom invites you to a space of rest and relaxation - featuring a half bath with natural window lighting. With East & West facing exposures, there is no scarcity of warm sunrises and gorgeous sunsets. The kitchen is both functional and bright, showcasing white cabinetry and breakfast nook - perfect for all cooking needs. Enjoy the convenience of your own in-unit washer and dryer. DO NOT MISS touring the beautiful patio space (directly across from building entrance) perfect for al-fresco dining, BBQing, morning coffee, gardening, or to simply unwind. At Rex Ridge, enjoy a low-maintenance lifestyle of co-op living with exceptional amenities! Leave mowing the lawn, raking leaves, shoveling snow, and skimming the pool to the experts as it’s all included in the maintenance fee. Additional features include on-site storage units (waitlist), bike storage, and a live-in superintendent. 1 Indoor cat is welcomed (no dogs). Subletting permitted (up to 5 year) after occupying for 3 years - providing flexibility for the future. Maintenance Fee also includes: property taxes, heat, and hot water. Located between the charm of Hartsdale Village and the energy of White Plains, you’re minutes from vibrant restaurants, cafes, shopping, parks, golf courses, and the scenic Bronx River trails. The Hartsdale & White Plains Metro North Stations are just a short drive away, putting you in NYC in just 35 minutes. A MUST SEE—schedule your private tour today!

4. 2014-03-15
   price $225,000 505-char remark

   Show marketing remark (505 chars)

   Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

5. 2009-11-16
   soldstatus $225,000 Sold 505-char remark

   Show marketing remark (505 chars)

   Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

6. 2009-10-22
   historical 505-char remark

   Show marketing remark (505 chars)

   Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

7. 2009-09-05
   historical Pending 505-char remark

   Show marketing remark (505 chars)

   Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

8. 2009-09-04
   price $234,000 505-char remark

   Show marketing remark (505 chars)

   Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

9. 2009-08-08
   price $234,000 505-char remark

   Show marketing remark (505 chars)

   Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

10. 2009-04-24
    price $239,000 505-char remark

    Show marketing remark (505 chars)

    Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

11. 2008-12-01
    listed $244,000 505-char remark

    Show marketing remark (505 chars)

    Freshly painted & beautifuly updated top floor 2 br/1.5 bath unit with washer/dryer! Gorgeous moldings and wainscoting; updated bright white kitchen; updated baths; nearly new neutral carpet; hardwood floors. STAR credit is $97/mo to reduce mo maintenance to $722 mo. Great location in complex affords owners outdoor space for b-cuing. Desirable complex offers pool and playground and only 5 minutes to downtown White Plains, TJ maxx, Trader Joes. Train to NYC takes 33 minutes! Owner wants offers!

12. 2008-11-25
    historical
13. 2008-04-02
    listed
14. 2005-06-16
    soldstatus $248,000
15. 2005-03-31
    price $259,000
16. 2005-03-31
    historical
17. 2005-03-11
    listed $248,000
18. 2002-01-14
    soldstatus $143,000
19. 2001-11-02
    price $145,000
20. 2001-11-02
    historical
21. 2001-09-10
    listed $143,000

ⓘ 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 1/10 Low
• 🌡 Heat 5/10 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: $42,835
• − Mortgage interest: −$17,645
• − Property taxes: −$4,725
• − Insurance: −$1,575
• − Repairs & maintenance: −$3,427
• − Management: −$3,427
• − Depreciation: −$9,164
• Taxable income: $2,873
• Est. tax owed @ 24.0%: −$689
• After-tax cash flow: $7,027/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: Greenburgh Central School District
• NCES district ID: 3612720
• Math proficiency: 51% ▲ 4.00%
• Reading proficiency: 55% ▲ 5.00%
• Median HH income: $93,626
• Composite: 49.43/100
• National rank: #2005
• State rank: #267 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

• City population: 61,281
• Population (ZIP): 13,955

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 (68%)
• Race & ethnicity: White 68% Hispanic / Latino 12% Asian 10% Two or more races 9% Black 7%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4% Dominican 2%
• Common ancestry: Romanian 9% Scotch-Irish 5% Italian 2%
• Foreign-born: 23% · Canada, China, South Korea
• Languages at home: 71% English-only · Spanish 9% Other Indo-European 6% Russian/Polish/Slavic 5%

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: ▼ -616.16%
• Current HPI: 320.7324
• 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

+120.3% since first listed

21 events — show timeline

• 2026-05-12 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-04-23 Listed $315,000 OneKey® MLS as Distributed by MLS Grid
• 2026-04-21 Coming Soon $315,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $225,000 HGMLS
• 2009-11-16 Sold (MLS) $225,000 HGMLS
• 2009-10-22 Delisted — HGMLS
• 2009-09-05 Contingent — HGMLS
• 2009-09-04 Price Changed $234,000 HGMLS
• 2009-08-08 Price Changed $234,000 HGMLS
• 2009-04-24 Price Changed $239,000 HGMLS
• 2008-12-01 Listed $244,000 HGMLS
• 2008-11-25 Delisted — HGMLS
• 2008-04-02 Listed — HGMLS
• 2005-06-16 Sold (MLS) $248,000 HGMLS
• 2005-03-31 Delisted — HGMLS
• 2005-03-31 Price Changed $259,000 HGMLS
• 2005-03-11 Listed $248,000 HGMLS
• 2002-01-14 Sold (MLS) $143,000 HGMLS
• 2001-11-02 Delisted — HGMLS
• 2001-11-02 Price Changed $145,000 HGMLS
• 2001-09-10 Listed $143,000 HGMLS