111 E Hartsdale Ave Unit 7E · Hartsdale, NY 10530

$269,000

2 bd · 1.0 ba · 900 sqft · Condo · 58 Days on market

Built 1963 $299/sqft · 11% above area Est $242k · 11% 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).

• 1% rule +7.7/10.0
• Cash flow +7.6/30.0
• Schools +4.9/10.0
• Livability +4.0/5.0
• ARV discount +2.6/15.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Move right into this sunny, Dog friendly two bedroom co-op with deeded parking. There is a new Eat-In-kitchen with granite counters, stainless steel appliances and 48 inch rosewood cabinets. The bathroom has also been renovated. The large living room can accommodate both an entertainment and dining area and has covered hardwood floors. The main bedroom is large enough for a king size bed with additional furniture and has a wall of closets. The large second bedroom has covered hardwood floors and is a corner bedroom. Only a 5-minute walk to Hartsdale Train and Shopping and 30 minutes to GCT. Covered Hardwood floors. Park in your own deeded assigned space. Maintenance Does Not Reflect Star Credit. Laundry on 1st floor. Two cats are allowed - Restricted weight up to 30lbs w/ $300 one time fee. Household DTI less then 30% not including bonuses and overtime pay. Credit score 600+. Last 6 months of Bank statements showing evidence of ending balance each month of 6 times the maintenance. Only one dog under 25lbs or two cats. There is a $300 fee for pets. Additional Information: Amenities:Windowed Kitchen,HeatingFuel:Oil Above Ground,

Key facts

• Deeded parking space
• Full wall of closets
• Updated bathroom

Tags

• DEEDED PARKING SPACE
• RENOVATED EAT-IN KITCHEN
• STAINLESS STEEL APPLIANCES
• RICH ROSEWOOD CABINETRY
• UPDATED BATHROOM
• FULL WALL OF CLOSETS

Property features AI

Finance

• Other: Living area reported as 900 square feet
• HOA & community: Association: 111-119 E Hartsdale; Association amenities include elevator(s), live-in superintendent, grounds maintenance, park, playground, snow removal, and trash service; Association fee includes heat and hot water; Monthly capital assessment of $85.73

Exterior

• Parking: Assigned parking (1 space); 1-car garage
• Security: Building security
• Utilities: Electric service by Con-Edison; Public sewer; Private trash collection
• Home design: Stock cooperative; One level; Located on the 7th floor of a 7-story building
• Construction: Brick construction
• Exterior features: Brick construction; Near public transit; Near shops; Park nearby; Not waterfront

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator; Stainless steel appliances
• Bedrooms: Located on entry level 7
• Flooring: Carpet; Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Hot water heating (oil); Wall/window air conditioning units
• Interior features: Eat-in kitchen; Elevator access; Entrance foyer; Granite counters; Walk-through kitchen; Intercom
• Laundry & utility: Common area laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $269k.

Deal economics

• At list price, monthly cash flow is $-323 ($-4k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $269k).
• Recommended offer: $261k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 81/100 on livability (#94 in NY, #1,430 nationally) — a professional / high-income tenant draw. Strengths: crime A+, employment A+, housing 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.
• Zoned schools: Early Childhood Program (128 students, 0% FRL); Woodlands Middle/High School (math 62% / reading 52%, grade C, #887 of 1,100 statewide, top 82%, 681 students, 66% FRL).
• Market conditions: 156 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); 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 $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 58 days — a 3% lower offer ($261k) is reasonable based on typical stale-listing flexibility.
• 12 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 $225k; 20% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 34% of rent.
• 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 $260,930 (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 58 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 1963 — 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 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?
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: 1.27% ✓
• Cap rate: 4.85%
• Cash-on-cash: -5.15%
• DSCR: 0.77
• GRM: 6.6

CMA / ARV

• ARV (median comp): $242,397
• List price: $269,000
• Delta: 10.98%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -24.6%
• Equity multiple: 0.16×
• Total profit: $-63,420
• Equity at exit: $40,109

10-year hold

• IRR: -19.2%
• Equity multiple: -0.04×
• Total profit: $-78,631
• Equity at exit: $23,258

Cash invested: $75,320 (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: 6.6×

Monthly cashflow live

• Estimated rent: $3,417 high
• Mortgage (P&I): −$1,411
• Tax est. 1.5%: −$336 /mo · $4,035/yr
• Insurance: −$112
• HOA est. from 1 same-building comp: −$1,164
• Vacancy / Maint / Mgmt: −$718
• Net cashflow: $-323

Break-even live

Break-even rent $3,827

Max offer price $222,204

Occupancy floor —

Sensitivity live

Price	-10% $-137	-5% $-230	+0% $-323	+5% $-416	+10% $-509
Rent	-10% $-593	-5% $-458	+0% $-323	+5% $-188	+10% $-53
Rate	-1.0pp $-188	-0.5pp $-255	base $-323	+0.5pp $-393	+1.0pp $-464

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: $67,250
• Closing costs: $8,070
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
140 E Hartsdale Ave Hartsdale, NY	2.0	1.0	875	$2,895	$3.31	23d	1	0.07mi
250 S Central Ave Apt 3I Hartsdale, NY	2.0	1.0	1000	$4,350	$4.35	45d	1	0.50mi
250 Central Park Ave Unit 5I Hartsdale, NY	2.0	1.0	1000	$4,550	$4.55	18d	1	0.52mi
250 S Central Ave Hartsdale, NY	1.0–2.0	1.0–2.0	1084	$5,500	$5.07	0d	1	0.52mi
55 Fieldstone Dr Unit 69 Hartsdale, NY	1.0	1.0	800	$2,100	$2.62	13d	1	1.06mi
400 High Point Dr Unit 206 Hartsdale, NY	1.0	1.0	987	$3,300	$3.34	45d	1	1.32mi
55 McKinley Ave Unit D2-3 White Plains, NY	1.0	1.0	809	$2,400	$2.97	45d	1	1.33mi
57 Bank St Unit 1040035P White Plains, NY	2.0	1.0–2.0	726	$9,348	$12.88	4d	3	1.50mi
57 Bank St Unit 1040036P White Plains, NY	1.0	1.0	592	$7,170	$12.11	20d	1	1.50mi

HOA detail condo

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

Listing history 48 events

1. 2026-06-21
   days on market $269,000 Active 58 DOM
2. 2026-06-18
   days on market $269,000 Active 55 DOM
3. 2026-06-17
   days on market $269,000 Active 54 DOM
4. 2026-06-16
   days on market $269,000 Active 53 DOM
5. 2026-06-15
   days on market $269,000 Active 52 DOM
6. 2026-06-13
   days on market $269,000 Active 50 DOM
7. 2026-06-13
   days on market $269,000 Active 49 DOM
8. 2026-06-09
   days on market $269,000 Active 46 DOM
9. 2026-06-08
   days on market $269,000 Active 45 DOM
10. 2026-06-07
    days on market $269,000 Active 44 DOM
11. 2026-06-04
    days on market $269,000 Active 41 DOM
12. 2026-06-03
    days on market $269,000 Active 40 DOM
13. 2026-06-02
    days on market $269,000 Active 39 DOM
14. 2026-06-01
    days on market $269,000 Active 38 DOM
15. 2026-05-31
    days on market $269,000 Active 37 DOM
16. 2026-04-24
    listed $279,000 Active 1184-char remark
17. 2026-04-24
    historical
18. 2026-01-10
    listed $287,500 Active
19. 2023-05-23
    soldstatus $225,000 Closed

    Show marketing remark (1146 chars)

    Move right into this sunny, Dog friendly two bedroom co-op with deeded parking. There is a new Eat-In-kitchen with granite counters, stainless steel appliances and 48 inch rosewood cabinets. The bathroom has also been renovated. The large living room can accommodate both an entertainment and dining area and has covered hardwood floors. The main bedroom is large enough for a king size bed with additional furniture and has a wall of closets. The large second bedroom has covered hardwood floors and is a corner bedroom. Only a 5-minute walk to Hartsdale Train and Shopping and 30 minutes to GCT. Covered Hardwood floors. Park in your own deeded assigned space. Maintenance Does Not Reflect Star Credit. Laundry on 1st floor. Two cats are allowed - Restricted weight up to 30lbs w/ $300 one time fee. Household DTI less then 30% not including bonuses and overtime pay. Credit score 600+. Last 6 months of Bank statements showing evidence of ending balance each month of 6 times the maintenance. Only one dog under 25lbs or two cats. There is a $300 fee for pets. Additional Information: Amenities:Windowed Kitchen,HeatingFuel:Oil Above Ground,

20. 2023-03-09
    status Pending

    Show marketing remark (1146 chars)

    Move right into this sunny, Dog friendly two bedroom co-op with deeded parking. There is a new Eat-In-kitchen with granite counters, stainless steel appliances and 48 inch rosewood cabinets. The bathroom has also been renovated. The large living room can accommodate both an entertainment and dining area and has covered hardwood floors. The main bedroom is large enough for a king size bed with additional furniture and has a wall of closets. The large second bedroom has covered hardwood floors and is a corner bedroom. Only a 5-minute walk to Hartsdale Train and Shopping and 30 minutes to GCT. Covered Hardwood floors. Park in your own deeded assigned space. Maintenance Does Not Reflect Star Credit. Laundry on 1st floor. Two cats are allowed - Restricted weight up to 30lbs w/ $300 one time fee. Household DTI less then 30% not including bonuses and overtime pay. Credit score 600+. Last 6 months of Bank statements showing evidence of ending balance each month of 6 times the maintenance. Only one dog under 25lbs or two cats. There is a $300 fee for pets. Additional Information: Amenities:Windowed Kitchen,HeatingFuel:Oil Above Ground,

21. 2023-02-20
    price $230,000

    Show marketing remark (1146 chars)

    Move right into this sunny, Dog friendly two bedroom co-op with deeded parking. There is a new Eat-In-kitchen with granite counters, stainless steel appliances and 48 inch rosewood cabinets. The bathroom has also been renovated. The large living room can accommodate both an entertainment and dining area and has covered hardwood floors. The main bedroom is large enough for a king size bed with additional furniture and has a wall of closets. The large second bedroom has covered hardwood floors and is a corner bedroom. Only a 5-minute walk to Hartsdale Train and Shopping and 30 minutes to GCT. Covered Hardwood floors. Park in your own deeded assigned space. Maintenance Does Not Reflect Star Credit. Laundry on 1st floor. Two cats are allowed - Restricted weight up to 30lbs w/ $300 one time fee. Household DTI less then 30% not including bonuses and overtime pay. Credit score 600+. Last 6 months of Bank statements showing evidence of ending balance each month of 6 times the maintenance. Only one dog under 25lbs or two cats. There is a $300 fee for pets. Additional Information: Amenities:Windowed Kitchen,HeatingFuel:Oil Above Ground,

22. 2022-12-17
    listed $239,000 Active

    Show marketing remark (1146 chars)

    Move right into this sunny, Dog friendly two bedroom co-op with deeded parking. There is a new Eat-In-kitchen with granite counters, stainless steel appliances and 48 inch rosewood cabinets. The bathroom has also been renovated. The large living room can accommodate both an entertainment and dining area and has covered hardwood floors. The main bedroom is large enough for a king size bed with additional furniture and has a wall of closets. The large second bedroom has covered hardwood floors and is a corner bedroom. Only a 5-minute walk to Hartsdale Train and Shopping and 30 minutes to GCT. Covered Hardwood floors. Park in your own deeded assigned space. Maintenance Does Not Reflect Star Credit. Laundry on 1st floor. Two cats are allowed - Restricted weight up to 30lbs w/ $300 one time fee. Household DTI less then 30% not including bonuses and overtime pay. Credit score 600+. Last 6 months of Bank statements showing evidence of ending balance each month of 6 times the maintenance. Only one dog under 25lbs or two cats. There is a $300 fee for pets. Additional Information: Amenities:Windowed Kitchen,HeatingFuel:Oil Above Ground,

23. 2013-02-04
    historical
24. 2013-02-04
    historical
25. 2013-01-24
    listed Active
26. 2013-01-24
    listed $149,000
27. 2012-03-13
    historical
28. 2012-02-27
    status Active
29. 2012-02-20
    historical
30. 2011-11-01
    price
31. 2011-09-21
    status Active
32. 2011-09-10
    historical
33. 2011-07-12
    price
34. 2011-06-12
    price
35. 2011-06-01
    price
36. 2011-05-09
    listed Active
37. 2010-07-31
    historical
38. 2010-06-16
    historical Pending
39. 2010-06-04
    listed Active
40. 2010-06-01
    historical
41. 2010-05-12
    price
42. 2010-02-25
    listed Active
43. 2009-03-27
    historical
44. 2009-01-27
    listed
45. 2004-10-20
    soldstatus $150,000
46. 2004-06-30
    historical
47. 2004-06-30
    price $164,900
48. 2004-06-22
    listed $150,000

ⓘ 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 4/10 Moderate FEMA zone X (unshaded) · 13% 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: $41,007
• − Mortgage interest: −$15,068
• − Property taxes: −$4,035
• − Insurance: −$1,345
• − Repairs & maintenance: −$3,281
• − Management: −$3,281
• − HOA: −$13,968
• − Depreciation: −$7,825
• Taxable loss: −$7,796
• Est. tax savings @ 24.0%: +$1,871
• After-tax cash flow: $-2,010/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 — Hartsdale

• Score: 81/100
• State rank: #94
• US rank: #1430

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hartsdale, NY
• 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

+79.3% since first listed

34 events — show timeline

• 2026-05-28 Price Changed $269,000 OneKey® MLS as Distributed by MLS Grid
• 2026-04-24 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-04-24 Listed $279,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-10 Listed $287,500 OneKey® MLS as Distributed by MLS Grid
• 2023-05-23 Sold (MLS) $225,000 OneKey® MLS as Distributed by MLS Grid
• 2023-03-09 Pending — OneKey® MLS as Distributed by MLS Grid
• 2023-02-20 Price Changed $230,000 OneKey® MLS as Distributed by MLS Grid
• 2022-12-17 Listed $239,000 OneKey® MLS as Distributed by MLS Grid
• 2013-02-04 Delisted — HGMLS
• 2013-02-04 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2013-01-24 Listed — HGMLS
• 2013-01-24 Listed $149,000 OneKey® MLS as Distributed by MLS Grid
• 2012-03-13 Delisted — HGMLS
• 2012-02-27 Relisted — HGMLS
• 2012-02-20 Delisted — HGMLS
• 2011-11-01 Price Changed — HGMLS
• 2011-09-21 Relisted — HGMLS
• 2011-09-10 Delisted — HGMLS
• 2011-07-12 Price Changed — HGMLS
• 2011-06-12 Price Changed — HGMLS
• 2011-06-01 Price Changed — HGMLS
• 2011-05-09 Listed — HGMLS
• 2010-07-31 Delisted — HGMLS
• 2010-06-16 Contingent — HGMLS
• 2010-06-04 Listed — HGMLS
• 2010-06-01 Delisted — HGMLS
• 2010-05-12 Price Changed — HGMLS
• 2010-02-25 Listed — HGMLS
• 2009-03-27 Delisted — HGMLS
• 2009-01-27 Listed — HGMLS
• 2004-10-20 Sold (MLS) $150,000 HGMLS
• 2004-06-30 Price Changed $164,900 HGMLS
• 2004-06-30 Delisted — HGMLS
• 2004-06-22 Listed $150,000 HGMLS