4810 Boston Post Rd Unit 4E · Pelham Manor, NY 10803

$250,000

1 bd · 1.0 ba · 750 sqft · Condo · 37 Days on market

Built 1920 $333/sqft · 9% above area Est $229k · 9% over

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Why this score? — see what drove the F 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).

• Schools +7.6/10.0
• 1% rule +5.6/10.0
• Livability +3.9/5.0
• Cash flow +3.8/30.0
• ARV discount +3.3/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to Pelham Gardens, a charming and beautifully maintained pre-war building located in the heart of Pelham Manor. Sunlight fills the open-concept living and dining areas, where gleaming hardwood floors and recessed lighting create a warm and sophisticated atmosphere. The living room features an electric fireplace and wall-mounted TV, perfect for cozy evenings at home. The thoughtfully designed layout offers ample space to create a small home office or work area, ideal for today’s flexible lifestyle. The updated kitchen includes a peninsula, abundant cabinetry, granite countertops, and stainless steel appliances, perfect for both everyday living and entertaining. The generously sized bedroom features a spacious walk-in closet, while the updated bathroom includes a shower and soaking tub. An outdoor terrace overlooking the beautiful Pelham Country Club greens provides a serene setting for morning coffee or evening relaxation. Additional amenities include a free laundry room and bike storage, adding everyday convenience. Thoughtfully updated and designed for comfortable, effortless living, this residence offers style, warmth, and an exceptional location. Ideally situated near Pelham Metro-North, I-95, and the Hutchinson River Parkway, with easy access to Pelham’s village shops, restaurants, parks, and cultural venues, this is a rare opportunity to own one of Pelham Manor’s most sought-after communities.

Key facts

• Updated kitchen
• Electric fireplace
• Granite countertops

Tags

• OPEN-CONCEPT LIVING
• ELECTRIC FIREPLACE
• HOME OFFICE
• UPDATED KITCHEN
• GRANITE COUNTERTOPS
• STAINLESS STEEL APPLIANCES

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $250k.

Deal economics

• At list price, monthly cash flow is $-725 ($-9k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $250k).
• Recommended offer: $242k (3.0% below list) — sets the bar for market timing.
• Cap rate 2.8% vs local median 0.6% in Pelham Manor — 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 77/100 on livability (#181 in NY, #2,823 nationally) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, commute A+; Watch: amenities F, cost of living F, health & safety D-.
• Pelham Union Free School District (suburban): math 80% / reading 81% proficiency, ranked #29 of 590 in NY (top 5%) — strong family-tenant draw, lease renewals of 3-5y typical; only 5% free/reduced lunch — higher-income household profile.
• Market conditions: 80 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals leasing fast (median 7d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
• This rent is only 15% of the median local income ($215k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k 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 37 days — a 3% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 11 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 $125k; list at $250k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 41% of rent; built in 1920 — 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 $242,500 (3.0% 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 37 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
3. Built in 1920 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
8. 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?
9. 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.
10. 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.
11. 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: 1.06% ✓
• Cap rate: 2.81%
• Cash-on-cash: -12.43%
• DSCR: 0.45
• GRM: 7.9

CMA / ARV

• ARV (median comp): $228,638
• List price: $250,000
• Delta: 9.34%
• 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: -38.8%
• Equity multiple: -0.23×
• Total profit: $-85,972
• Equity at exit: $37,276

10-year hold

• IRR: -55.6%
• Equity multiple: -0.88×
• Total profit: $-131,439
• Equity at exit: $21,615

Cash invested: $70,000 (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 10803

• Active inventory: 80
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $2,644 high
• Mortgage (P&I): −$1,311
• Tax est. 1.5%: −$312 /mo · $3,750/yr
• Insurance: −$104
• HOA est. from 1 same-building comp: −$1,086
• Vacancy / Maint / Mgmt: −$555
• Net cashflow: $-725

Break-even live

Break-even rent $3,562

Max offer price $145,108

Occupancy floor —

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
965 Main St Unit 2 New Rochelle, NY	2.0	1.0	825	$2,995	$3.63	7d	1	0.09mi
12 Russell Ave Apt 2 New Rochelle, NY	2.0	1.0	800	$2,350	$2.94	7d	1	0.50mi
36 4th St Unit One New Rochelle, NY	2.0	1.0	900	$2,900	$3.22	4d	1	0.73mi
9 9th St Unit 3rd Floor New Rochelle, NY	1.0	1.0	750	$2,100	$2.80	43d	1	0.75mi
7 Lanecrest Ave New Rochelle, NY	2.0	1.0	1100	$2,690	$2.45	17d	1	0.78mi
49 5th St Apt 8 New Rochelle, NY	2.0	1.0	800	$2,429	$3.04	43d	1	0.81mi
49 5th St Apt 8 New Rochelle, NY	2.0	1.0	800	$2,429	$3.04	13d	1	0.81mi
666 Pelham Rd Apt 3A New Rochelle, NY	1.0	1.0	750	$2,350	$3.13	43d	1	0.83mi
504 Pelham Rd New Rochelle, NY	1.0	1.0	700	$2,300	$3.29	13d	1	0.90mi
25 Maple Ave New Rochelle, NY	2.0	1.0–2.0	748	$3,054	$4.08	4d	12	0.90mi
387 Huguenot St New Rochelle, NY	2.0	1.0–2.0	753	$2,808	$3.73	4d	6	0.91mi
111 Centre Ave New Rochelle, NY	1.0–2.0	1.0–2.0	787	$2,847	$3.62	1d	17	0.96mi
3 Harbor Ln Unit 3A New Rochelle, NY	1.0	1.0	700	$2,500	$3.57	24d	1	0.96mi
360 Huguenot St New Rochelle, NY	2.0	1.0–2.0	764	$2,945	$3.85	1d	15	0.96mi
274 Lockwood Ave Unit First floor New Rochelle, NY	2.0	1.0	908	$2,700	$2.97	43d	1	0.97mi
333 Huguenot St New Rochelle, NY	2.0	1.0–2.0	853	$3,562	$4.17	2d	12	1.00mi
325 Huguenot St New Rochelle, NY	1.0–2.0	1.0–2.0	989	$2,855	$2.89	5d	8	1.04mi
543 Main St #402 New Rochelle, NY	1.0	1.0	924	$3,000	$3.25	15d	1	1.07mi
79 S Division St Unit 3 New Rochelle, NY	2.0	1.0	800	$2,600	$3.25	3d	1	1.10mi
299 Webster Ave Unit 3F New Rochelle, NY	1.0	1.0	861	$2,385	$2.77	43d	1	1.11mi
225 Sickles Ave Unit 1 New Rochelle, NY	1.0	1.0	750	$2,600	$3.47	43d	1	1.13mi
55 Clinton Pl New Rochelle, NY	2.0	1.0–2.0	910	$3,721	$4.09	1d	28	1.13mi
50 Clinton Pl New Rochelle, NY	2.0	1.0–2.0	844	$5,007	$5.93	1d	31	1.13mi
40 Memorial Hwy New Rochelle, NY	3.0	1.0–2.0	917	$3,158	$3.44	1d	51	1.13mi
12 Church St New Rochelle, NY	2.0	1.0–2.0	770	$3,536	$4.59	2d	50	1.17mi
1 Shearwood Pl New Rochelle, NY	3.0	1.0–2.0	896	$2,922	$3.26	2d	31	1.21mi
230 Pelham Rd Unit 6F New Rochelle, NY	1.0	1.0	800	$1,995	$2.49	43d	1	1.22mi
139 Sickles Ave Unit 2 New Rochelle, NY	2.0	1.5	1000	$3,100	$3.10	20d	1	1.23mi
220 Pelham Rd New Rochelle, NY	1.0–2.0	1.0	862	$2,195	$2.54	1d	2	1.26mi
220 Pelham Rd New Rochelle, NY	1.0–2.0	1.0	900	$2,150	$2.39	11d	2	1.26mi
220 Pelham Rd Unit 5E New Rochelle, NY	2.0	1.0	1000	$2,595	$2.60	7d	1	1.26mi
20 Burling Ln New Rochelle, NY	1.0	1.0	725	$3,110	$4.29	10d	10	1.27mi
10 Lecount Pl New Rochelle, NY	2.0	1.0–2.0	740	$3,764	$5.08	1d	14	1.29mi
46 Locust Ave Unit 2 New Rochelle, NY	2.0	1.0	750	$2,950	$3.93	18d	1	1.32mi
17 Dewitt Pl New Rochelle, NY	2.0	1.0	550	$2,500	$4.55	43d	1	1.41mi
11 Park Pl New Rochelle, NY	1.0	1.0	1015	$2,700	$2.66	43d	1	1.42mi
10 Commerce Dr New Rochelle, NY	2.0	1.0–2.0	792	$3,094	$3.91	1d	11	1.48mi

HOA detail condo

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

Listing history 34 events

1. 2026-05-18
   status Pending 1448-char remark

   Show marketing remark (1448 chars)

   Welcome to Pelham Gardens, a charming and beautifully maintained pre-war building located in the heart of Pelham Manor. Sunlight fills the open-concept living and dining areas, where gleaming hardwood floors and recessed lighting create a warm and sophisticated atmosphere. The living room features an electric fireplace and wall-mounted TV, perfect for cozy evenings at home. The thoughtfully designed layout offers ample space to create a small home office or work area, ideal for today’s flexible lifestyle. The updated kitchen includes a peninsula, abundant cabinetry, granite countertops, and stainless steel appliances, perfect for both everyday living and entertaining. The generously sized bedroom features a spacious walk-in closet, while the updated bathroom includes a shower and soaking tub. An outdoor terrace overlooking the beautiful Pelham Country Club greens provides a serene setting for morning coffee or evening relaxation. Additional amenities include a free laundry room and bike storage, adding everyday convenience. Thoughtfully updated and designed for comfortable, effortless living, this residence offers style, warmth, and an exceptional location. Ideally situated near Pelham Metro-North, I-95, and the Hutchinson River Parkway, with easy access to Pelham’s village shops, restaurants, parks, and cultural venues, this is a rare opportunity to own one of Pelham Manor’s most sought-after communities.

2. 2026-04-10
   listed $250,000 Active 1448-char remark

   Show marketing remark (1448 chars)

   Welcome to Pelham Gardens, a charming and beautifully maintained pre-war building located in the heart of Pelham Manor. Sunlight fills the open-concept living and dining areas, where gleaming hardwood floors and recessed lighting create a warm and sophisticated atmosphere. The living room features an electric fireplace and wall-mounted TV, perfect for cozy evenings at home. The thoughtfully designed layout offers ample space to create a small home office or work area, ideal for today’s flexible lifestyle. The updated kitchen includes a peninsula, abundant cabinetry, granite countertops, and stainless steel appliances, perfect for both everyday living and entertaining. The generously sized bedroom features a spacious walk-in closet, while the updated bathroom includes a shower and soaking tub. An outdoor terrace overlooking the beautiful Pelham Country Club greens provides a serene setting for morning coffee or evening relaxation. Additional amenities include a free laundry room and bike storage, adding everyday convenience. Thoughtfully updated and designed for comfortable, effortless living, this residence offers style, warmth, and an exceptional location. Ideally situated near Pelham Metro-North, I-95, and the Hutchinson River Parkway, with easy access to Pelham’s village shops, restaurants, parks, and cultural venues, this is a rare opportunity to own one of Pelham Manor’s most sought-after communities.

3. 2020-11-11
   soldstatus $125,000 Closed 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

4. 2020-06-18
   status Active 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

5. 2020-06-18
   price $135,000 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

6. 2020-03-27
   status Pending 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

7. 2020-02-14
   status Pending 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

8. 2019-11-08
   price $147,500 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

9. 2019-10-04
   listed $160,000 Active 999-char remark

   Show marketing remark (999 chars)

   *** BACK ON MARKET - NEW LOWER PRICE - VACANT & READY FOR SALE - ACCEPTING ALL OFFERS FOR IMMEDIATE SALE *** 1 bedroom Co-op located in ONE OF PELHAM MANOR'S MOST DESIRABLE BUILDING! THE PELHAM MANOR GARDENS building offers Golf Course views and is centrally located within walking distance to EVERYTHING! Large, Bright, and Airy with BIG Pre-War sized rooms, new kitchen, hardwood floors, and walkin closets. Building amenities: Huge covered Common Area/Party Terrace with green views all year around, free Laundry, Bike Room, Storage, and Garage Parking (waitlist). Neighboring Units - only 3 apartments per floor. Very quiet, tranquil, and private. This unit faces West and gets LOTS of Sunlight. All high end stainless appliances, light fixtures and dishwasher is included. MAINTENANCE IS ONLY $698 month, NOT including Star discount of $138/month. In door & Out door parking is available. MINT UNIT.....TAKING ALL OFFERS! Additional Information: HeatingFuel:Oil Below Ground,

10. 2015-10-02
    soldstatus $59,900 Sold
11. 2015-10-01
    soldstatus $59,900
12. 2015-09-08
    historical Pending
13. 2015-08-14
    price $59,900
14. 2015-08-14
    status Active
15. 2015-07-01
    historical Pending
16. 2015-06-15
    price $64,900
17. 2015-04-20
    price $69,900
18. 2015-02-27
    price $74,900
19. 2015-01-26
    price $79,900
20. 2014-12-24
    price $89,900
21. 2014-11-21
    listed $94,900 Active
22. 2014-11-21
    listed $59,900
23. 2013-06-17
    historical
24. 2013-06-17
    historical
25. 2013-03-29
    price
26. 2013-02-26
    listed Active
27. 2013-02-25
    listed $119,000
28. 2012-05-01
    historical
29. 2011-08-26
    price
30. 2011-08-03
    listed Active
31. 2008-10-20
    historical
32. 2008-06-10
    listed
33. 2004-06-09
    historical
34. 2004-03-26
    listed

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 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 · 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: $31,729
• − Mortgage interest: −$14,004
• − Property taxes: −$3,750
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,538
• − Management: −$2,538
• − HOA: −$13,032
• − Depreciation: −$7,273
• Taxable loss: −$12,656
• Est. tax savings @ 24.0%: +$3,038
• After-tax cash flow: $-5,661/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: Pelham Union Free School District
• NCES district ID: 3622680
• Math proficiency: 80% ▲ 3.00%
• Reading proficiency: 81% ▲ 6.00%
• Median HH income: $136,478
• Composite: 76.35/100
• National rank: #109
• State rank: #29 of 590 in NY

Livability — Pelham Manor

• Score: 77/100
• State rank: #181
• US rank: #2823

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pelham Manor, NY
• County: Westchester County · 709,332 people
• City population: 13,096
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 13,072
• Household income: $215,208
• Rent vs Own: 21.0% rent · 79.0% own
• Severe rent burden: 119.0

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 (67%)
• Race & ethnicity: White 67% Hispanic / Latino 13% Two or more races 12% Asian 7% Black 6%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4% Dominican 3% Salvadoran 1%
• Common ancestry: Romanian 3% Scotch-Irish 3% Slovak 2%
• Foreign-born: 17% · Canada, China, South Korea
• Languages at home: 80% English-only · Spanish 7% Other Indo-European 6% Russian/Polish/Slavic 2%

Political lean MEDSL · Westchester

• 2024 margin: Strong D (+26.3) · D 63.1% · R 36.9%
• 2008→2024 swing: -1.3pp toward R · 2008: 27.6pp · 2024: 26.3pp
• All cycles: 2024: D+26.3 2020: D+36.3 2016: D+32.8 2012: D+22.2 2008: D+27.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -844.94%
• Current HPI: 357.3886
• Rent YoY: —
• 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

+110.1% since first listed

34 events — show timeline

• 2026-05-18 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-04-10 Listed $250,000 OneKey® MLS as Distributed by MLS Grid
• 2020-11-11 Sold (MLS) $125,000 OneKey® MLS as Distributed by MLS Grid
• 2020-06-18 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2020-06-18 Price Changed $135,000 OneKey® MLS as Distributed by MLS Grid
• 2020-03-27 Pending — OneKey® MLS as Distributed by MLS Grid
• 2020-02-14 Pending — OneKey® MLS as Distributed by MLS Grid
• 2019-11-08 Price Changed $147,500 OneKey® MLS as Distributed by MLS Grid
• 2019-10-04 Listed $160,000 OneKey® MLS as Distributed by MLS Grid
• 2015-10-02 Sold (MLS) $59,900 HGMLS
• 2015-10-01 Sold (MLS) $59,900 OneKey® MLS as Distributed by MLS Grid
• 2015-09-08 Contingent — HGMLS
• 2015-08-14 Price Changed $59,900 HGMLS
• 2015-08-14 Relisted — HGMLS
• 2015-07-01 Contingent — HGMLS
• 2015-06-15 Price Changed $64,900 HGMLS
• 2015-04-20 Price Changed $69,900 HGMLS
• 2015-02-27 Price Changed $74,900 HGMLS
• 2015-01-26 Price Changed $79,900 HGMLS
• 2014-12-24 Price Changed $89,900 HGMLS
• 2014-11-21 Listed $94,900 HGMLS
• 2014-11-21 Listed $59,900 OneKey® MLS as Distributed by MLS Grid
• 2013-06-17 Delisted — HGMLS
• 2013-06-17 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2013-03-29 Price Changed — HGMLS
• 2013-02-26 Listed — HGMLS
• 2013-02-25 Listed $119,000 OneKey® MLS as Distributed by MLS Grid
• 2012-05-01 Delisted — HGMLS
• 2011-08-26 Price Changed — HGMLS
• 2011-08-03 Listed — HGMLS
• 2008-10-20 Delisted — HGMLS
• 2008-06-10 Listed — HGMLS
• 2004-06-09 Delisted — HGMLS
• 2004-03-26 Listed — HGMLS