11 Fieldstone Dr #130 · White Plains, NY 10530

$329,000

2 bd · 1.5 ba · 1,100 sqft · Condo · 32 Days on market

Built 1955 $299/sqft · 10% above area Est $300k · 10% over

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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 +21.3/30.0
• DSCR +6.8/10.0
• 1% rule +5.6/10.0
• Schools +4.9/10.0
• Livability +3.6/5.0
• ARV discount +3.1/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Enter into this sun-filled, top-floor end unit at 11 Fieldstone Drive, Unit 130 in Hartsdale, NY, where style, space, and convenience come together effortlessly. Spanning 1,100 square feet, this inviting residence offers a thoughtfully designed layout perfect for both everyday living and entertaining. At the heart of the home, a cozy wood-burning fireplace creates the perfect setting for relaxing evenings, while the modern kitchen shines with quartz countertops and stainless steel appliances that make cooking both easy and enjoyable. The added convenience of an in-unit Bosch washer and dryer elevates your daily routine. The open living and dining area flows seamlessly, offering plenty of room to gather. Nearby, enjoy access to a playground and pool, bringing recreation and relaxation right to your doorstep. With ample parking and close proximity to major highways, shopping, dining, and public transportation, everything you need is within easy reach. Plus, Metro-North is nearby, making commuting to NYC simple and efficient. This bright and welcoming home is the perfect blend of comfort, convenience, and lifestyle.

Key facts

• Quartz countertops
• Top floor end unit
• Modern kitchen

Tags

• TOP FLOOR END UNIT
• COZY WOOD BURNING FIREPLACE
• MODERN KITCHEN
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• IN UNIT BOSCH WASHER AND DRYER

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath condo listed at $329k.

Deal economics

• At list price, monthly cash flow is $481 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $329k).
• Recommended offer: $319k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.3% in White Plains — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 71/100 on livability (#410 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, crime A-; Watch: amenities F, cost of living F.
• Greenburgh Central School District (suburban): math 51% / reading 55% proficiency, ranked #267 of 590 in NY (top 45%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 156 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 32 days — a 3% lower offer ($319k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 24y 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 $242k; 36% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $319,130 (3.0% below list)

Questions for the listing agent

1. It's been on market 32 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1955 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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.
6. 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.
7. 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: 8.05%
• Cash-on-cash: 6.26%
• DSCR: 1.28
• GRM: 7.9

CMA / ARV

• ARV (median comp): $300,000
• List price: $329,000
• Delta: 9.67%
• 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: -6.6%
• Equity multiple: 0.75×
• Total profit: $-22,642
• Equity at exit: $49,055

10-year hold

• IRR: 3.0%
• Equity multiple: 1.22×
• Total profit: $19,923
• Equity at exit: $28,446

Cash invested: $92,120 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

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

NYC rent stabilization (~1M units); 2019 HSTPA strengthened tenant rights; courts deeply backlogged.

Methodology + full state rankings →

ZIP-level market 10530

• Active inventory: 156
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $3,487 high
• Mortgage (P&I): −$1,725
• Tax est. 1.5%: −$411 /mo · $4,935/yr
• Insurance: −$137
• HOA: −$0
• Vacancy / Maint / Mgmt: −$732
• Net cashflow: $481

Break-even live

Break-even rent $2,878

Max offer price $329,000

Occupancy floor 81%

Sensitivity live

Price	-10% $708	-5% $594	+0% $481	+5% $367	+10% $253
Rent	-10% $205	-5% $343	+0% $481	+5% $618	+10% $756
Rate	-1.0pp $646	-0.5pp $564	base $481	+0.5pp $395	+1.0pp $309

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: $82,250
• Closing costs: $9,870
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
55 Fieldstone Dr Unit 69 Hartsdale, NY	1.0	1.0	800	$2,100	$2.62	13d	1	0.13mi
400 High Point Dr Unit 206 Hartsdale, NY	1.0	1.0	987	$3,300	$3.34	45d	1	0.31mi
55 McKinley Ave Unit D2-3 White Plains, NY	1.0	1.0	809	$2,400	$2.97	45d	1	0.61mi
9 Ridgeview Ave White Plains, NY	3.0	1.0	1500	$3,500	$2.33	26d	1	0.99mi
55 Bank St White Plains, NY	2.0	1.0–2.0	813	$5,418	$6.66	0d	23	1.00mi
57 Bank St Unit 1040035P White Plains, NY	2.0	1.0–2.0	726	$9,348	$12.88	4d	3	1.01mi
15 Bank St White Plains, NY	1.0–2.0	1.0–2.0	934	$4,093	$4.38	0d	19	1.02mi
1 Martine Ave White Plains, NY	1.0–2.0	1.0–2.0	780	$4,295	$5.51	0d	10	1.08mi
25 N Lexington Ave White Plains, NY	3.0	1.0–2.0	988	$6,149	$6.22	0d	26	1.08mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$2,850	$3.69	14d	2	1.12mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$2,900	$3.75	45d	2	1.12mi
4 Martine Ave White Plains, NY	1.0	1.0–1.5	773	$3,025	$3.91	20d	2	1.12mi
4 Martine Ave White Plains, NY	1.0	1.0	707	$2,750	$3.89	3d	1	1.12mi
26 Hillside Ter Unit F White Plains, NY	1.0	1.0	782	$2,700	$3.45	45d	1	1.15mi
26 Fairview Ave White Plains, NY	3.0	1.5	1100	$3,600	$3.27	45d	1	1.16mi
140 E Hartsdale Ave Hartsdale, NY	2.0	1.0	875	$2,895	$3.31	23d	1	1.16mi
846 Hartsdale Rd White Plains, NY	3.0	2.5	1500	$5,200	$3.47	18d	1	1.18mi
27 Barker Ave White Plains, NY	2.0	1.0–2.0	1131	$5,391	$4.76	0d	18	1.34mi
290 E Main St Elmsford, NY	1.0–2.0	1.0–2.0	1077	$4,107	$3.81	0d	7	1.35mi
1 Renaissance Sq Unit 7B White Plains, NY	1.0	1.5	1048	$5,500	$5.25	45d	1	1.39mi
250 S Central Ave Apt 3I Hartsdale, NY	2.0	1.0	1000	$4,350	$4.35	45d	1	1.40mi
250 S Central Ave Apt 4A Hartsdale, NY	2.0	1.0	1289	$4,350	$3.37	18d	1	1.40mi
250 Central Park Ave Unit 5I Hartsdale, NY	2.0	1.0	1000	$4,550	$4.55	18d	1	1.42mi
250 S Central Ave Hartsdale, NY	1.0–2.0	1.0–2.0	1084	$5,500	$5.07	0d	1	1.42mi
42 Barker Ave Unit 4C White Plains, NY	1.0	1.0	800	$2,300	$2.88	45d	1	1.46mi
55 N Broadway Unit 3-15H White Plains, NY	2.0	2.5	1310	$3,850	$2.94	45d	1	1.48mi
13 Granada Cres #1 White Plains, NY	2.0	2.0	1100	$3,500	$3.18	26d	1	1.48mi
37 Lake St White Plains, NY	1.0–2.0	1.0	685	$3,240	$4.73	45d	1	1.49mi

HOA detail condo

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

Listing history 24 events

1. 2026-05-04
   status Pending 1130-char remark

   Show marketing remark (1130 chars)

   Enter into this sun-filled, top-floor end unit at 11 Fieldstone Drive, Unit 130 in Hartsdale, NY, where style, space, and convenience come together effortlessly. Spanning 1,100 square feet, this inviting residence offers a thoughtfully designed layout perfect for both everyday living and entertaining. At the heart of the home, a cozy wood-burning fireplace creates the perfect setting for relaxing evenings, while the modern kitchen shines with quartz countertops and stainless steel appliances that make cooking both easy and enjoyable. The added convenience of an in-unit Bosch washer and dryer elevates your daily routine. The open living and dining area flows seamlessly, offering plenty of room to gather. Nearby, enjoy access to a playground and pool, bringing recreation and relaxation right to your doorstep. With ample parking and close proximity to major highways, shopping, dining, and public transportation, everything you need is within easy reach. Plus, Metro-North is nearby, making commuting to NYC simple and efficient. This bright and welcoming home is the perfect blend of comfort, convenience, and lifestyle.

2. 2026-04-02
   listed $329,000 Active 1130-char remark

   Show marketing remark (1130 chars)

   Enter into this sun-filled, top-floor end unit at 11 Fieldstone Drive, Unit 130 in Hartsdale, NY, where style, space, and convenience come together effortlessly. Spanning 1,100 square feet, this inviting residence offers a thoughtfully designed layout perfect for both everyday living and entertaining. At the heart of the home, a cozy wood-burning fireplace creates the perfect setting for relaxing evenings, while the modern kitchen shines with quartz countertops and stainless steel appliances that make cooking both easy and enjoyable. The added convenience of an in-unit Bosch washer and dryer elevates your daily routine. The open living and dining area flows seamlessly, offering plenty of room to gather. Nearby, enjoy access to a playground and pool, bringing recreation and relaxation right to your doorstep. With ample parking and close proximity to major highways, shopping, dining, and public transportation, everything you need is within easy reach. Plus, Metro-North is nearby, making commuting to NYC simple and efficient. This bright and welcoming home is the perfect blend of comfort, convenience, and lifestyle.

3. 2025-10-15
   status Pending
4. 2025-10-15
   historical
5. 2025-09-30
   listed $329,000 Active
6. 2018-09-04
   soldstatus $241,500 Sold
7. 2018-05-25
   historical Pending
8. 2018-05-11
   listed $235,888 Active
9. 2014-03-15
   price $195,000
10. 2013-07-10
    soldstatus $195,000 Sold
11. 2013-07-10
    soldstatus $195,000
12. 2013-06-20
    historical
13. 2013-05-01
    historical Pending
14. 2013-04-30
    price $215,000
15. 2013-02-15
    listed $215,000 Active
16. 2013-02-14
    listed $215,000
17. 2006-04-20
    soldstatus $250,777
18. 2006-02-21
    historical
19. 2006-02-21
    price $259,777
20. 2005-07-03
    listed $250,777
21. 2003-06-23
    soldstatus $205,000
22. 2002-11-12
    price $225,000
23. 2002-11-12
    historical
24. 2002-10-02
    listed $205,000

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 5/10 Major 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $41,839
• − Mortgage interest: −$18,429
• − Property taxes: −$4,935
• − Insurance: −$1,645
• − Repairs & maintenance: −$3,347
• − Management: −$3,347
• − Depreciation: −$9,571
• Taxable income: $564
• Est. tax owed @ 24.0%: −$135
• After-tax cash flow: $5,633/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Greenburgh Central School District
• NCES district ID: 3612720
• Math proficiency: 51% ▲ 4.00%
• Reading proficiency: 55% ▲ 5.00%
• Median HH income: $93,626
• Composite: 49.43/100
• National rank: #2005
• State rank: #267 of 590 in NY

Livability — White Plains

• Score: 71/100
• State rank: #410
• US rank: #6801

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

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

Population outlook (Westchester County) Hauer SSP2

• Today (2025): 1,028,035 people
• By 2030: 1,051,636 · +2.3%
• By 2040: 1,098,520 · +6.9%
• By 2050: 1,136,044 · +10.5%
• By 2075: 1,196,925 · +16.4%
• By 2100: 1,175,147 · +14.3%

Race, ethnicity, and origin ACS 2023

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

Political lean MEDSL · Westchester

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

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -616.16%
• Current HPI: 320.7324
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

Industry mix (Fortune 500 HQ in NY)

Industry	F500 HQs	Revenue
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

+60.5% since first listed

24 events — show timeline

• 2026-05-04 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-04-02 Listed $329,000 OneKey® MLS as Distributed by MLS Grid
• 2025-10-15 Pending — OneKey® MLS as Distributed by MLS Grid
• 2025-10-15 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2025-09-30 Listed $329,000 OneKey® MLS as Distributed by MLS Grid
• 2018-09-04 Sold (MLS) $241,500 OneKey® MLS as Distributed by MLS Grid
• 2018-05-25 Contingent — OneKey® MLS as Distributed by MLS Grid
• 2018-05-11 Listed $235,888 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $195,000 HGMLS
• 2013-07-10 Sold (MLS) $195,000 OneKey® MLS as Distributed by MLS Grid
• 2013-07-10 Sold (MLS) $195,000 HGMLS
• 2013-06-20 Delisted — HGMLS
• 2013-05-01 Contingent — HGMLS
• 2013-04-30 Price Changed $215,000 HGMLS
• 2013-02-15 Listed $215,000 HGMLS
• 2013-02-14 Listed $215,000 OneKey® MLS as Distributed by MLS Grid
• 2006-04-20 Sold (MLS) $250,777 HGMLS
• 2006-02-21 Price Changed $259,777 HGMLS
• 2006-02-21 Delisted — HGMLS
• 2005-07-03 Listed $250,777 HGMLS
• 2003-06-23 Sold (MLS) $205,000 HGMLS
• 2002-11-12 Delisted — HGMLS
• 2002-11-12 Price Changed $225,000 HGMLS
• 2002-10-02 Listed $205,000 HGMLS