2155 82nd St Unit 3J · New York, NY 11214

$339,000

1 bd · 1.0 ba · 850 sqft · Condo · 175 Days on market

Built 1962 ↓ 8% since listing

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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 +25.8/30.0
• DSCR +8.6/10.0
• ARV discount +7.5/15.0
• 1% rule +6.8/10.0
• Schools +5.0/10.0
• Rent growth +4.0/5.0
• Livability +3.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

Key facts

• Built 1962
• Listed 175 days

Property features AI

Exterior

• Parking: Off-street parking; No carport
• Utilities: Sewer available; Sewer: Other
• Home design: Stock cooperative
• Construction: Construction materials: Other; Foundation details: Other
• Exterior features: No waterfront; Construction: Other; Foundation: Other

Interior

• Kitchen: Dishwasher; Refrigerator
• Bedrooms: 3 rooms total
• Bathrooms: 1 full bathroom
• Heating & cooling: Wall/window air conditioning units; Other heating
• Interior features: Elevator; Three or more levels; Pets allowed

🏢 Co-op / cooperative unit. The $339,000 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 1-bed/1.0-bath condo listed at $339k.

Deal economics

• At list price, monthly cash flow is $826 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $339k).
• Recommended offer: $298k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 2.6% in New York — 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 75/100 on livability (#268 in NY, #4,188 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, health & safety A; Watch: crime F, cost of living F.
• Market conditions: Rents rising fast (+5.9%/yr); 334 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 10,063 units permitted in Kings County in 2024 (9,789 in 5+ unit buildings).
• At $4,011/mo this rent would consume 73% of the median local household income ($66k/yr) (locally 6028% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Kings County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 5.9% rent growth), your $95k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 175 days — a 12% lower offer ($298k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $30k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 68% 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 $298,320 (12.0% below list)

Questions for the listing agent

1. It's been on market 175 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. 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?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-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?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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.
9. 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.
10. 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: 1.18% ✓
• Cap rate: 9.22%
• Cash-on-cash: 10.45%
• DSCR: 1.46
• GRM: 7.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 5.87% rent growth · sell at horizon

5-year hold

• IRR: 2.6%
• Equity multiple: 1.10×
• Total profit: $9,669
• Equity at exit: $50,546

10-year hold

• IRR: 14.8%
• Equity multiple: 2.35×
• Total profit: $128,295
• Equity at exit: $29,311

Cash invested: $94,920 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 0 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City New York: 0 Strongly Tenant-Friendly · D+34

Rent Stabilization Code; HSTPA; 6+ months in housing court.

Methodology + full state rankings →

ZIP-level market 11214

• Rents YoY: 5.9%
• Active inventory: 334
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $4,011 high
• Mortgage (P&I): −$1,778
• Tax est. 1.5%: −$424 /mo · $5,085/yr
• Insurance: −$141
• HOA: −$0
• Vacancy / Maint / Mgmt: −$842
• Net cashflow: $826

Break-even live

Break-even rent $2,966

Max offer price $339,000

Occupancy floor 74%

Sensitivity live

Price	-10% $1,061	-5% $943	+0% $826	+5% $709	+10% $592
Rent	-10% $509	-5% $668	+0% $826	+5% $985	+10% $1,143
Rate	-1.0pp $997	-0.5pp $912	base $826	+0.5pp $738	+1.0pp $649

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: $84,750
• Closing costs: $10,170
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
63 Bay 37th St Unit 1R Brooklyn, NY	2.0	1.0	900	$3,100	$3.44	25d	1	0.54mi
2286 Cropsey Ave Unit 6A Brooklyn, NY	2.0	2.0	889	$5,125	$5.76	25d	1	0.72mi
2286 Cropsey Ave Unit 19C Brooklyn, NY	1.0	1.0	544	$3,600	$6.62	20d	1	0.72mi
2286 Cropsey Ave Unit 7E Brooklyn, NY	2.0	2.0	948	$5,250	$5.54	20d	1	0.72mi
2286 Cropsey Ave Unit 9A Brooklyn, NY	2.0	2.0	889	$5,200	$5.85	20d	1	0.72mi
2286 Cropsey Ave Unit 8B Brooklyn, NY	2.0	2.0	889	$5,000	$5.62	20d	1	0.72mi
2286 Cropsey Ave Unit 18B Brooklyn, NY	2.0	2.0	889	$5,300	$5.96	20d	1	0.72mi
2286 Cropsey Ave Unit 13E Brooklyn, NY	2.0	2.0	948	$5,550	$5.85	20d	1	0.72mi
2483 W 16th St Brooklyn, NY	1.0	1.0	800	$1,800	$2.25	21d	1	1.30mi

HOA detail condo

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

Listing history 8 events

1. 2026-05-08
   status Pending

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

2. 2026-05-08
   status Pending 866-char remark

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

3. 2026-04-21
   price $339,000 866-char remark

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

4. 2026-04-21
   price $339,000

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

5. 2026-03-19
   price $359,000 866-char remark

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

6. 2026-03-19
   price $359,000

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

7. 2025-11-12
   listed $369,000 Active

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

8. 2025-11-12
   listed $369,000 Active 866-char remark

   Show marketing remark (866 chars)

   One of the best coops of Bensonhurst! This extra large one bedroom unit boasts more than 800 sq.ft. of living space with a great layout. Foyer with two closets that greet you upon the entrance. Generously sized living room with large windows facing the quiet side of the building. Kitchen offers an adjacent dining area with a window. Extra spacious bedroom that can fit a California king bedroom set. Clean and move-in ready unit, with potential to upgrade to your taste. Modern building with live-in superintendent, laundromat and garage (waiting list). Sublease is allowed with board approval. Ideally located near the D train and just steps to 86th Street with its wide array of shops, banks, restaurants, and supermarkets. A short drive brings you to Caesar’s Bay Plaza and the waterfront promenade with beautiful views and ocean breezes.

ⓘ 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 7/10 Severe 7 d/yr ≥97°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 68% 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: $48,137
• − Mortgage interest: −$18,989
• − Property taxes: −$5,085
• − Insurance: −$1,695
• − Repairs & maintenance: −$3,851
• − Management: −$3,851
• − Depreciation: −$9,862
• Taxable income: $4,804
• Est. tax owed @ 24.0%: −$1,153
• After-tax cash flow: $8,762/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)

No district data.

Livability — New York

• Score: 75/100
• State rank: #268
• US rank: #4188

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New York, NY
• County: Kings County · 2,614,986 people
• City population: 7,731,280
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 89,397
• Household income: $65,895
• Rent vs Own: 65.4% rent · 34.6% own
• Severe rent burden: 6028.0

Population outlook (Kings County) Hauer SSP2

• Today (2025): 2,847,441 people
• By 2030: 2,937,006 · +3.1%
• By 2040: 3,095,491 · +8.7%
• By 2050: 3,228,968 · +13.4%
• By 2075: 3,321,723 · +16.7%
• By 2100: 3,111,387 · +9.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 40% Asian 38% Hispanic / Latino 17% Two or more races 6% Black 2%
• Hispanic origin (detail): Mexican 5% Puerto Rican 3% Dominican 2%
• Common ancestry: Scotch-Irish 4% Subsaharan African 3% Romanian 2%
• Foreign-born: 56% · China, Canada, Vietnam
• Languages at home: 26% English-only · Chinese 28% Russian/Polish/Slavic 15% Spanish 13%

Political lean MEDSL · Kings

• 2024 margin: Solid D (+44.0) · D 72.0% · R 28.0%
• 2008→2024 swing: -15.5pp toward R · 2008: 59.4pp · 2024: 44.0pp
• All cycles: 2024: D+44.0 2020: D+54.8 2016: D+61.8 2012: D+63.9 2008: D+59.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -184.55%
• Current HPI: 276.0804
• Rent YoY: ▲ 5.87%
• 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

-8.1% since first listed

8 events — show timeline

• 2026-05-08 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-05-08 Pending — BNYMLS
• 2026-04-21 Price Changed $339,000 BNYMLS
• 2026-04-21 Price Changed $339,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-19 Price Changed $359,000 BNYMLS
• 2026-03-19 Price Changed $359,000 OneKey® MLS as Distributed by MLS Grid
• 2025-11-12 Listed $369,000 BNYMLS
• 2025-11-12 Listed $369,000 OneKey® MLS as Distributed by MLS Grid