671 Bronx River Rd Unit 6C · Yonkers, NY 10704

$199,000

2 bd · 1.5 ba · 993 sqft · Condo · 31 Days on market

Built 1980

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Why this score? — see what drove the B 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Seller is offering 4 months of pre-paid maintenance at closing Rare opportunity to purchase a 2 bedroom 1.5 bath coop with assigned parking right away. Large and bright apartment. Freshly painted. New appliances. Hardwood floors have been refinished. Close to buses,, shops, school, and metro north. Great opportunity to own this unit. building offers an in-ground pool which is great for the summertime, and a common laundry room. Maintenance does not included the star program. Walk to Fleetwood metro north train station. 28 Minute commute to Grand Central Additional Information: HeatingFuel:Oil Above Ground,

Key facts

• Completely rebuilt
• Updated baths
• Modern finishes

Tags

• COMPLETELY REBUILT
• BEAUTIFULLY RENOVATED
• SPACIOUS LAYOUT
• MODERN FINISHES
• ABUNDANT NATURAL LIGHT
• UPDATED BATHS

Property features AI

Finance

• HOA & community: Association managed by HSC Management; Additional monthly fee of $844.60 for garage/boiler assessments

Exterior

• Parking: On-street parking; 1 garage space
• Utilities: Electricity connected (Con-Edison); Natural gas connected; Public sewer; Public trash collection
• Home design: Stock cooperative; Entry on the 6th floor; 6 total stories
• Construction: Brick and frame construction; Basement with storage space and walk-out access
• Exterior features: In-ground pool; Not waterfront

Interior

• Kitchen: Dishwasher; Gas range; Microwave; Refrigerator; Stainless steel appliances
• Bedrooms: Located on the 6th floor
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Hot water heating; Radiant heating; Wall/window air conditioning units
• Interior features: Elevator; Galley kitchen layout; Primary bathroom; Recessed lighting; Storage space; ENERGY STAR qualified windows
• Laundry & utility: Common area laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $199k.

Deal economics

• At list price, monthly cash flow is $805 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $199k).
• Recommended offer: $193k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.1% vs local median 5.3% in Yonkers — 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 68/100 on livability (#528 in NY) — a middle-class / working-renter tenant base. Strengths: employment A, commute B; Watch: amenities F, cost of living F.
• Yonkers City School District (suburban): math 41% / reading 54% proficiency, ranked #413 of 590 in NY (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 64% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Yonkers Early Childhood Academy (327 students, 72% FRL); Yonkers Middle School (math 17% / reading 37%, grade F, #587 of 729 statewide, top 81%, 601 students, 88% FRL); Yonkers High School (math 92% / reading 88%, grade A+, #238 of 1,100 statewide, top 23%, 1,060 students, 76% FRL) — zoned schools average 79% FRL vs 64% district-wide (15 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising fast (+21.0%/yr); 165 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 31% of the median local income ($107k/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 $1k of loan paydown is wiped out by about $6k 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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $56k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 31 days — a 3% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 23y 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 $164k; 21% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $193,030 (3.0% below list)

Questions for the listing agent

1. It's been on market 31 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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: 1.39% ✓
• Cap rate: 11.15%
• Cash-on-cash: 17.33%
• DSCR: 1.77
• GRM: 6.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 14.2%
• Equity multiple: 1.60×
• Total profit: $33,641
• Equity at exit: $29,672

10-year hold

• IRR: 26.5%
• Equity multiple: 3.90×
• Total profit: $161,849
• Equity at exit: $17,206

Cash invested: $55,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (CITY): 5 Strongly Tenant-Friendly
• State New York: 15 Strongly Tenant-Friendly · D+10
• County: — inherits STATE
• City Yonkers: 5 Strongly Tenant-Friendly · D+20

Westchester rent guidelines board.

Methodology + full state rankings →

ZIP-level market 10704

• Rents YoY: 21.0%
• Active inventory: 165
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $2,760 high
• Mortgage (P&I): −$1,044
• Tax est. 1.5%: −$249 /mo · $2,985/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$580
• Net cashflow: $805

Break-even live

Break-even rent $1,741

Max offer price $199,000

Occupancy floor 66%

Sensitivity live

Price	-10% $942	-5% $874	+0% $805	+5% $736	+10% $667
Rent	-10% $587	-5% $696	+0% $805	+5% $914	+10% $1,023
Rate	-1.0pp $905	-0.5pp $855	base $805	+0.5pp $753	+1.0pp $701

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	25d	1	0.02mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	17d	1	0.06mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	25d	1	0.35mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	19d	1	0.38mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	44d	1	0.38mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	25d	1	0.43mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$2,675	$3.69	22d	2	0.44mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	25d	1	0.45mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	25d	1	0.46mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	11d	1	0.54mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$3,199	$3.35	2d	16	0.54mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$5,080	$5.01	24d	15	0.54mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	21d	1	0.56mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	44d	1	0.56mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	25d	1	0.58mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	11d	1	0.70mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	44d	1	0.70mi
173 Crary Ave Mount Vernon, NY	3.0	2.0	1100	$3,100	$2.82	25d	1	0.74mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	8d	1	0.75mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	25d	1	0.77mi
28 Tunis Ave Unit 2 Yonkers, NY	2.0	1.0	900	$3,000	$3.33	44d	1	0.78mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	25d	1	0.80mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	25d	1	1.03mi
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,250	$2.81	24d	1	1.04mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	19d	1	1.11mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	1.12mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	13d	1	1.14mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	44d	1	1.15mi
23 Alida St Unit 2s Yonkers, NY	2.0	1.0	1000	$2,900	$2.90	25d	1	1.18mi
51 Parkway Rd Apt 3 Bronxville, NY	1.0	1.0	1100	$3,100	$2.82	25d	1	1.20mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	18d	1	1.21mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	8d	1	1.21mi
173 Washington St Unit 1 Mt Vernon, NY	3.0	2.0	1100	$3,000	$2.73	25d	1	1.25mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	44d	1	1.26mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	25d	1	1.26mi
118 N Columbus Ave Mount Vernon, NY	1.0	1.0	650	$1,700	$2.62	25d	1	1.31mi
135 Wakefield Ave Yonkers, NY	2.0	1.0	850	$3,000	$3.53	44d	2	1.31mi
112 N Columbus Ave Unit 2 Mt Vernon, NY	2.0	2.0	900	$2,997	$3.33	19d	1	1.31mi
85 Bennett Ave Unit 2 Yonkers, NY	2.0	1.0	1000	$2,500	$2.50	44d	1	1.40mi
257 S 2nd Ave Mount Vernon, NY	1.0	1.0	800	$2,250	$2.81	25d	1	1.44mi

HOA detail condo

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

Listing history 36 events

1. 2026-06-18
   days on market $199,000 Active 31 DOM
2. 2026-06-17
   days on market $199,000 Active 30 DOM
3. 2026-06-16
   days on market $199,000 Active 29 DOM
4. 2026-06-15
   days on market $199,000 Active 28 DOM
5. 2026-06-13
   days on market $199,000 Active 26 DOM
6. 2026-06-09
   days on market $199,000 Active 22 DOM
7. 2026-06-08
   days on market $199,000 Active 21 DOM
8. 2026-06-07
   days on market $199,000 Active 20 DOM
9. 2026-06-04
   days on market $199,000 Active 17 DOM
10. 2026-06-03
    days on market $199,000 Active 16 DOM
11. 2026-06-02
    days on market $199,000 Active 15 DOM
12. 2026-06-01
    days on market $199,000 Active 14 DOM
13. 2026-05-31
    days on market $199,000 Active 13 DOM
14. 2026-05-18
    listed $199,000 Active
15. 2018-01-03
    soldstatus $164,000 Sold 622-char remark

    Show marketing remark (622 chars)

    Seller is offering 4 months of pre-paid maintenance at closing Rare opportunity to purchase a 2 bedroom 1.5 bath coop with assigned parking right away. Large and bright apartment. Freshly painted. New appliances. Hardwood floors have been refinished. Close to buses,, shops, school, and metro north. Great opportunity to own this unit. building offers an in-ground pool which is great for the summertime, and a common laundry room. Maintenance does not included the star program. Walk to Fleetwood metro north train station. 28 Minute commute to Grand Central Additional Information: HeatingFuel:Oil Above Ground,

16. 2017-06-09
    historical Pending 622-char remark

    Show marketing remark (622 chars)

    Seller is offering 4 months of pre-paid maintenance at closing Rare opportunity to purchase a 2 bedroom 1.5 bath coop with assigned parking right away. Large and bright apartment. Freshly painted. New appliances. Hardwood floors have been refinished. Close to buses,, shops, school, and metro north. Great opportunity to own this unit. building offers an in-ground pool which is great for the summertime, and a common laundry room. Maintenance does not included the star program. Walk to Fleetwood metro north train station. 28 Minute commute to Grand Central Additional Information: HeatingFuel:Oil Above Ground,

17. 2017-04-28
    price $164,000 622-char remark

    Show marketing remark (622 chars)

    Seller is offering 4 months of pre-paid maintenance at closing Rare opportunity to purchase a 2 bedroom 1.5 bath coop with assigned parking right away. Large and bright apartment. Freshly painted. New appliances. Hardwood floors have been refinished. Close to buses,, shops, school, and metro north. Great opportunity to own this unit. building offers an in-ground pool which is great for the summertime, and a common laundry room. Maintenance does not included the star program. Walk to Fleetwood metro north train station. 28 Minute commute to Grand Central Additional Information: HeatingFuel:Oil Above Ground,

18. 2017-03-31
    price $165,000 622-char remark

    Show marketing remark (622 chars)

    Seller is offering 4 months of pre-paid maintenance at closing Rare opportunity to purchase a 2 bedroom 1.5 bath coop with assigned parking right away. Large and bright apartment. Freshly painted. New appliances. Hardwood floors have been refinished. Close to buses,, shops, school, and metro north. Great opportunity to own this unit. building offers an in-ground pool which is great for the summertime, and a common laundry room. Maintenance does not included the star program. Walk to Fleetwood metro north train station. 28 Minute commute to Grand Central Additional Information: HeatingFuel:Oil Above Ground,

19. 2016-12-01
    listed $169,000 Active 622-char remark

    Show marketing remark (622 chars)

    Seller is offering 4 months of pre-paid maintenance at closing Rare opportunity to purchase a 2 bedroom 1.5 bath coop with assigned parking right away. Large and bright apartment. Freshly painted. New appliances. Hardwood floors have been refinished. Close to buses,, shops, school, and metro north. Great opportunity to own this unit. building offers an in-ground pool which is great for the summertime, and a common laundry room. Maintenance does not included the star program. Walk to Fleetwood metro north train station. 28 Minute commute to Grand Central Additional Information: HeatingFuel:Oil Above Ground,

20. 2016-11-06
    historical
21. 2016-10-26
    historical Withdrawn
22. 2016-10-26
    listed $149,000 Active
23. 2016-10-09
    historical
24. 2016-07-13
    historical Pending
25. 2016-05-09
    listed Active
26. 2016-05-09
    listed $149,000
27. 2012-08-01
    historical
28. 2012-08-01
    historical
29. 2012-04-27
    price
30. 2012-04-01
    price
31. 2012-03-03
    listed Active
32. 2012-03-03
    listed $154,900
33. 2003-12-03
    soldstatus $115,000
34. 2003-10-21
    historical
35. 2003-10-21
    price $119,000
36. 2003-05-04
    listed $115,000

ⓘ 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 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: $33,116
• − Mortgage interest: −$11,147
• − Property taxes: −$2,985
• − Insurance: −$995
• − Repairs & maintenance: −$2,649
• − Management: −$2,649
• − Depreciation: −$5,789
• Taxable income: $6,901
• Est. tax owed @ 24.0%: −$1,656
• After-tax cash flow: $8,002/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: Yonkers City School District
• NCES district ID: 3631920
• Math proficiency: 41% ▼ -1.00%
• Reading proficiency: 54% ▲ 14.00%
• Median HH income: $58,042
• Composite: 41.43/100
• National rank: #3471
• State rank: #413 of 590 in NY

Livability — Yonkers

• Score: 68/100
• State rank: #528
• US rank: #9394

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Yonkers, NY
• County: Westchester County · 709,332 people
• City population: 212,407
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 31,921
• Household income: $106,786
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 1078.0

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 0.64)
• Race & ethnicity: White 50% Hispanic / Latino 32% Two or more races 15% Black 7% Asian 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 11% Cuban 2% Dominican 9%
• Common ancestry: Romanian 2% Subsaharan African 2% Scotch-Irish 2%
• Foreign-born: 32% · Canada, Jamaica, China
• Languages at home: 54% English-only · Spanish 25% Other Indo-European 13% 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: ▼ -466.66%
• Current HPI: 293.4414
• Rent YoY: ▲ 21.03%
• 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

+73.0% since first listed

23 events — show timeline

• 2026-05-18 Listed $199,000 OneKey® MLS as Distributed by MLS Grid
• 2018-01-03 Sold (MLS) $164,000 OneKey® MLS as Distributed by MLS Grid
• 2017-06-09 Contingent — OneKey® MLS as Distributed by MLS Grid
• 2017-04-28 Price Changed $164,000 OneKey® MLS as Distributed by MLS Grid
• 2017-03-31 Price Changed $165,000 OneKey® MLS as Distributed by MLS Grid
• 2016-12-01 Listed $169,000 OneKey® MLS as Distributed by MLS Grid
• 2016-11-06 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2016-10-26 Delisted — HGMLS
• 2016-10-26 Listed $149,000 OneKey® MLS as Distributed by MLS Grid
• 2016-10-09 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2016-07-13 Contingent — HGMLS
• 2016-05-09 Listed — HGMLS
• 2016-05-09 Listed $149,000 OneKey® MLS as Distributed by MLS Grid
• 2012-08-01 Delisted — HGMLS
• 2012-08-01 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2012-04-27 Price Changed — HGMLS
• 2012-04-01 Price Changed — HGMLS
• 2012-03-03 Listed — HGMLS
• 2012-03-03 Listed $154,900 OneKey® MLS as Distributed by MLS Grid
• 2003-12-03 Sold (MLS) $115,000 HGMLS
• 2003-10-21 Price Changed $119,000 HGMLS
• 2003-10-21 Delisted — HGMLS
• 2003-05-04 Listed $115,000 HGMLS