315 King St Unit 2H · Port Chester, NY 10573

$99,900

2 bd · 2.0 ba · 1,100 sqft · Condo · 308 Days on market

Built 1959 ↓ 47% since listing

---

Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• Cash flow +9.6/30.0
• Schools +4.1/10.0
• Livability +3.7/5.0
• DSCR +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

Key facts

• Landscaped building
• Kitchen
• Remodeled lobby

Tags

• LIVING ROOM WITH A BALCONY
• DINING AREA
• KITCHEN
• LANDSCAPED BUILDING
• REMODELED LOBBY
• ON-SITE LAUNDRY FACILITIES

🏢 Co-op / cooperative unit. The $99,900 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/2.0-bath condo listed at $100k.

Deal economics

• At list price, monthly cash flow is $-67 ($-806/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.5% vs local median 4.3% in Port Chester — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 73/100 on livability (#315 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, health & safety A; Watch: schools D+, amenities D, cost of living F.
• Port Chester-Rye Union Free School District (suburban): math 44% / reading 49% proficiency, ranked #428 of 590 in NY (top 72%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents soft (-1.7%/yr); 144 active listings in the ZIP; 40 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).
• This rent runs 38% of the median local income ($106k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k 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 308 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y ago; this cycle's ask has dropped $30k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 60% of rent; built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 55% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 308 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
9. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
10. 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.
11. 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.
12. 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: 3.33% ✓
• Cap rate: 5.49%
• Cash-on-cash: -2.88%
• DSCR: 0.87
• GRM: 2.5

CMA / ARV

• ARV (median comp): $127,107
• List price: $99,900
• Delta: -21.41%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -35.8%
• Equity multiple: -0.03×
• Total profit: $-28,922
• Equity at exit: $14,895

10-year hold

• IRR: —
• Equity multiple: -1.26×
• Total profit: $-63,117
• Equity at exit: $8,638

Cash invested: $27,972 (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 10573

• Rents YoY: -1.7%
• Active inventory: 144
• Price-to-rent: 2.5×

Monthly cashflow live

• Estimated rent: $3,322 high
• Mortgage (P&I): −$524
• Tax est. 1.5%: −$125 /mo · $1,498/yr
• Insurance: −$42
• HOA est. from 1 same-building comp: −$2,001
• Vacancy / Maint / Mgmt: −$698
• Net cashflow: $-67

Break-even live

Break-even rent $3,407

Max offer price $90,178

Occupancy floor 97%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
325 King St Unit 4L Port Chester, NY	1.0	1.0	800	$2,450	$3.06	24d	1	0.05mi
201 Willett Ave Port Chester, NY	2.0	1.0–2.0	817	$4,691	$5.74	7d	1	0.20mi
169 N Main St Port Chester, NY	2.0	1.0–2.0	799	$4,652	$5.82	2d	43	0.30mi
145 N Main St Unit 2nd Floor Port Chester, NY	2.0	1.0	1000	$3,000	$3.00	4d	1	0.31mi
21 Willett Ave Port Chester, NY	2.0–3.0	1.0–2.0	1199	$3,450	$2.88	1d	1	0.36mi
Westchester Ave Unit A Port Chester, NY	2.0	2.0	1102	$3,015	$2.74	24d	1	0.37mi
19 Edison Pl Unit 2 Port Chester, NY	3.0	2.0	1500	$3,800	$2.53	13d	1	0.39mi
82 Putnam Ave Port Chester, NY	3.0	1.0	1200	$3,600	$3.00	43d	1	0.41mi
11 Madison Ave Unit 2nd Fl Port Chester, NY	3.0	1.0	1200	$3,700	$3.08	24d	1	0.43mi
168 N Water St Unit 3L Greenwich, CT	2.0	1.0	850	$2,850	$3.35	43d	1	0.47mi
168 N Water St Unit 1R Greenwich, CT	2.0	1.0	850	$2,850	$3.35	23d	1	0.47mi
88 S Water St #107 Greenwich, CT	2.0	2.0	1256	$6,300	$5.02	1d	1	0.49mi
14 University Pl Port Chester, NY	1.0	1.0	700	$2,295	$3.28	22d	1	0.50mi
411 Westchester Ave Port Chester, NY	2.0	2.0	1250	$3,015	$2.41	17d	1	0.51mi
66 Oak St Unit 2 R Port Chester, NY	2.0	1.0	800	$2,395	$2.99	43d	1	0.52mi
45 Gold St Greenwich, CT	1.0	1.0	936	$2,800	$2.99	43d	1	0.54mi
71 Byram Rd Unit 2 Greenwich, CT	3.0	2.0	1200	$3,400	$2.83	23d	1	0.54mi
2 Sherman Ave Greenwich, CT	2.0	1.0	984	$3,850	$3.91	3d	1	0.60mi
2 Sherman Ave Greenwich, CT	2.0	1.0	984	$3,950	$4.01	43d	1	0.60mi
113 S Water St Unit 4 Greenwich, CT	2.0	1.0	1000	$2,985	$2.98	3d	1	0.60mi
194 1/2 S Main St Port Chester, NY	1.0	1.0	706	$2,996	$4.24	43d	1	0.61mi
144 Pine St Unit D Greenwich, CT	2.0	1.5	1120	$2,950	$2.63	14d	1	0.61mi
5 Wellington Pl Unit B Greenwich, CT	3.0	2.0	1152	$4,500	$3.91	43d	1	0.62mi
493 Den Ln Unit 1 Greenwich, CT	2.0	1.5	900	$2,950	$3.28	19d	1	0.78mi
38 Putnam Grn Greenwich, CT	1.0	1.0	847	$2,995	$3.54	11d	1	0.88mi
494 W William St Unit 1st Floor Rye Brook, NY	2.0	2.0	1244	$3,685	$2.96	43d	1	0.89mi
494 W William St Port Chester, NY	2.0	2.0	1370	$3,685	$2.69	43d	1	0.89mi
4 Weaver St Greenwich, CT	1.0	1.0	850	$2,300	$2.71	43d	1	0.89mi
9 1/2 Putnam Grn Greenwich, CT	1.0–3.0	1.0–2.5	1234	$4,800	$3.89	1d	19	0.90mi
68 Pemberwick Rd Unit 1 Greenwich, CT	3.0	1.5	1300	$4,000	$3.08	43d	1	0.93mi
40 Division St Port Chester, NY	2.0	1.0	828	$2,600	$3.14	7d	1	0.94mi
108 Monica Rd Unit 4 Greenwich, CT	3.0	1.5	1364	$3,775	$2.77	21d	1	0.95mi
124 Ritch Ave W Greenwich, CT	1.0–3.0	1.0–2.0	1238	$6,150	$4.97	1d	3	0.98mi
250 S Ridge St Unit 2 Rye Brook, NY	3.0	1.0	1350	$3,800	$2.81	24d	1	1.01mi
83 Grant St Unit 2 Port Chester, NY	2.0	1.0	1200	$3,000	$2.50	24d	1	1.01mi
12 Arther St Unit 1 Greenwich, CT	1.0	1.0	700	$3,250	$4.64	43d	1	1.10mi
22 Wyman St Rye Brook, NY	3.0	1.0	1193	$3,500	$2.93	43d	1	1.11mi
36 Roanoke Ave #2 Rye Brook, NY	2.0	1.0	840	$3,100	$3.69	17d	1	1.11mi
45 Moshier St Unit A Greenwich, CT	3.0	2.0	1373	$5,000	$3.64	11d	1	1.15mi
60 Weaver St Greenwich, CT	2.0	1.0	1020	$3,100	$3.04	11d	1	1.16mi

HOA detail condo

• Monthly dues: $0 · $0/yr
• Likely covers: watersewertrashgaselectriclandscapingsnow removalexterior maint.poolparking
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 25 events

1. 2026-06-18
   days on market $99,900 Active 308 DOM
2. 2026-06-17
   days on market $99,900 Active 307 DOM
3. 2026-06-16
   days on market $99,900 Active 306 DOM
4. 2026-06-15
   days on market $99,900 Active 305 DOM
5. 2026-06-13
   days on market $99,900 Active 303 DOM
6. 2026-06-13
   days on market $99,900 Active 302 DOM
7. 2026-06-09
   days on market $99,900 Active 299 DOM
8. 2026-06-08
   days on market $99,900 Active 298 DOM
9. 2026-06-07
   days on market $99,900 Active 297 DOM
10. 2026-06-04
    days on market $99,900 Active 294 DOM
11. 2026-06-03
    days on market $99,900 Active 293 DOM
12. 2026-06-02
    days on market $99,900 Active 292 DOM
13. 2026-06-01
    days on market $99,900 Active 291 DOM
14. 2026-05-31
    days on market $99,900 Active 290 DOM
15. 2026-04-22
    status Active 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

16. 2026-02-10
    status Pending 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

17. 2025-12-30
    status Active 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

18. 2025-10-29
    price $99,900 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

19. 2025-09-30
    price $104,900 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

20. 2025-08-21
    price $114,900 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

21. 2025-07-21
    price $124,900 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

22. 2025-06-04
    listed $129,900 Active 1343-char remark

    Show marketing remark (1343 chars)

    Available as of 12/30/2025! This co-op apartment features a living room with a balcony, a dining area, a kitchen, a primary bedroom with a private bath, 2nd bedroom, and an additional full bath. This property also features a landscaped building with a remodeled lobby, creating an inviting atmosphere. Parking is convenient with a deeded space, and convenience is taken a step further with on-site laundry facilities, a bike room, and additional storage on the first floor. Commuting is a breeze, as you're 0.3 miles from the Port Chester Metro-North train station. Book a showing today & get in to see it ASAP! Offers w/financing must be accompanied by pre-qual letter and down payment proof of funds; cash offers w/proof of funds. Monthly maintenance is $1,700/m + $420 assessment for capital improvements (no end date). So the total is $2,120. It includes: 1 Assigned Parking Space, Real Estate Taxes, Common Area Maintenance, Exterior Maintenance, Grounds Care, Heat, Hot Water, Pool Maintenance, Sewer, Snow Removal, Trash, and Water. Electric and gas are the responsibility of the owner. Co-op board approval is required. This property is eligible under the Freddie Mac First Look initiative through 7/4/2025. Sold as-is. ***AGENTS – MUST see confidential remarks and all MLS listing attachments for additional instructions***

23. 2007-08-29
    historical 283-char remark

    Show marketing remark (283 chars)

    Full two bedroom, two bathroom in quiet building with newly renovated lobby, walking distance to RR. Leave the car at home in the assigned parking spot. Outdoor pool on premises. Terrace off of living room. With a little TLC this wonderful layout would be a great place to call home!

24. 2007-08-28
    soldstatus $189,000 283-char remark

    Show marketing remark (283 chars)

    Full two bedroom, two bathroom in quiet building with newly renovated lobby, walking distance to RR. Leave the car at home in the assigned parking spot. Outdoor pool on premises. Terrace off of living room. With a little TLC this wonderful layout would be a great place to call home!

25. 2007-02-22
    listed $189,000 283-char remark

    Show marketing remark (283 chars)

    Full two bedroom, two bathroom in quiet building with newly renovated lobby, walking distance to RR. Leave the car at home in the assigned parking spot. Outdoor pool on premises. Terrace off of living room. With a little TLC this wonderful layout would be a great place to call home!

ⓘ 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 6/10 Major 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 55% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $39,861
• − Mortgage interest: −$5,596
• − Property taxes: −$1,498
• − Insurance: −$500
• − Repairs & maintenance: −$3,189
• − Management: −$3,189
• − HOA: −$24,012
• − Depreciation: −$2,906
• Taxable loss: −$1,029
• Est. tax savings @ 24.0%: +$247
• After-tax cash flow: $-559/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: Port Chester-Rye Union Free School District
• NCES district ID: 3623460
• Math proficiency: 44% ▲ 2.00%
• Reading proficiency: 49% ▲ 6.00%
• Median HH income: $58,362
• Composite: 40.67/100
• National rank: #3676
• State rank: #428 of 590 in NY

Livability — Port Chester

• Score: 73/100
• State rank: #315
• US rank: #5245

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port Chester, NY
• County: Westchester County · 709,332 people
• City population: 40,786
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 40,786
• Household income: $105,686
• Rent vs Own: 44.7% rent · 55.3% own
• Severe rent burden: 1362.0

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 0.61)
• Race & ethnicity: Hispanic / Latino 48% White 40% Two or more races 16% Black 5% Asian 4%
• Hispanic origin (detail): Mexican 7% Puerto Rican 6% Dominican 3%
• Common ancestry: Romanian 3% Scotch-Irish 2% Italian 1%
• Foreign-born: 37% · Canada, Jamaica, China
• Languages at home: 50% English-only · Spanish 41% Other Indo-European 5% Chinese 1%

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: ▼ -389.46%
• Current HPI: 258.9227
• Rent YoY: ▼ -1.70%
• 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

-47.1% since first listed

11 events — show timeline

• 2026-04-22 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-02-10 Pending — OneKey® MLS as Distributed by MLS Grid
• 2025-12-30 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-10-29 Price Changed $99,900 OneKey® MLS as Distributed by MLS Grid
• 2025-09-30 Price Changed $104,900 OneKey® MLS as Distributed by MLS Grid
• 2025-08-21 Price Changed $114,900 OneKey® MLS as Distributed by MLS Grid
• 2025-07-21 Price Changed $124,900 OneKey® MLS as Distributed by MLS Grid
• 2025-06-04 Listed $129,900 OneKey® MLS as Distributed by MLS Grid
• 2007-08-29 Delisted — HGMLS
• 2007-08-28 Sold (MLS) $189,000 HGMLS
• 2007-02-22 Listed $189,000 HGMLS