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45 Pondfield Rd W Unit 1G
C Composite 56.13
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 +18.3/30.0
  • ARV discount +10.3/15.0
  • Schools +5.9/10.0
  • DSCR +5.8/10.0
  • 1% rule +4.9/10.0
  • Condition / age +4.0/5.0
  • Rent growth +3.6/5.0
  • Livability +3.4/5.0
  • Appreciation +0.0/10.0

$239,000

45 Pondfield Rd W Unit 1G · Yonkers, NY 10708
1 bd · 1.0 ba · 700 sqft · Townhouse · 68 Days on market
Built 1928 Good condition Garage $341/sqft · 6% below area Est $255k · 6% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

One-Bedroom pet friendly Co-Op in Bronxville PO. Beautifully maintained pre-war brick building, this first-floor one-bedroom located in the rear of the building offers lots of privacy. Newly painted, charming hardwood floors, double pane windows and lots of closet space. Resident street parking with Yonkers City permit (www. YonkersNY. gov) Garage parking $172 waitlist, and charges for additional storage depending on size. Just minutes away from local shops, food establishments and the Bronxville Metro North Train Station. Don't miss this opportunity.

Key facts

  • Double pain windows
  • First-floor
  • Closet space

Tags

PRE-WAR BRICK BUILDINGFIRST-FLOORDOUBLE PAIN WINDOWSCLOSET SPACERESIDENT STREET PARKING

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath townhouse listed at $239k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $220 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $237k (0.9% below list).
  • Recommended offer: $225k (6.0% below list) — sets the bar for market timing.
  • Cap rate 7.4% vs local median 5.4% 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 (+4.3%/yr); 292 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals lingering (median 54d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 74% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 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 $7k 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 68 days — a 6% lower offer ($225k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: built in 1928 — 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 $224,660 (6.0% below list)

Questions for the listing agent

  1. It's been on market 68 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  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 for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.99%
Cap rate
7.40%
Cash-on-cash
3.94%
DSCR
1.18
GRM
8.4

CMA / ARV

ARV (median comp)
$255,000
List price
$239,000
Delta
-6.27%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
781 Palmer Rd Unit 4D 0.36mi 1/1.0 712 (+2%) 2mo $180,000 $253 79
781 Palmer Rd Unit 4F 0.36mi 1/1.0 732 (+5%) 0mo $240,000 $328 75
11 Brooklands Unit GI 0.25mi 1/1.0 640 (-9%) 4mo $275,000 $430 71
5 Midland Gdns Unit 2H 0.54mi 1/1.0 690 (-1%) 4mo $375,000 $543 70
242 Bronxville Rd Unit E2 0.15mi 1/1.0 800 (+14%) 0mo $395,000 $494 69
682 Tuckahoe Rd Unit 5H 0.62mi 1/1.0 750 (+7%) 0mo $118,000 $157 59
1561 Central Park Ave Unit I-5 0.67mi 1/1.0 750 (+7%) 1mo $155,000 $207 56
1537 Central Park Ave Unit E8 0.65mi 1/1.0 750 (+7%) 3mo $160,000 $213 55
609 Palmer Rd Unit 4C 0.67mi 1/1.0 750 (+7%) 4mo $167,000 $223 54
737 Tuckahoe Rd #21 0.59mi 2/1.0 (+1) 750 (+7%) 3mo $182,500 $243 53
6 Midland Gdns Unit 3D 0.56mi 1/1.0 800 (+14%) 2mo $420,000 $525 48
14 Westview Ave #204 0.72mi 1/1.0 800 (+14%) 1mo $250,000 $313 42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 4.27% rent growth · sell at horizon

5-year hold
IRR
-8.7%
Equity multiple
0.68×
Total profit
$-21,627
Equity at exit
$35,636
10-year hold
IRR
2.4%
Equity multiple
1.18×
Total profit
$12,248
Equity at exit
$20,664

Cash invested: $66,920 (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.
Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
30 active · 52 under contract
Months of supply
4.1 mo (24%/mo absorbed)
Median asking
$225,000 ($304/sqft)
Median days on market
49 d
This list price
57% of active listings are priced below it
ARV vs active asking
+19.7% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 10708

Rents YoY
4.3%
Active inventory
292
Price-to-rent
8.4×

Monthly cashflow live

Estimated rent
$2,369 high interval (Pro) →
Mortgage (P&I)
$1,253
Tax est. 1.5%
$299 /mo · $3,585/yr
Insurance
$100
HOA
$0
Vacancy / Maint / Mgmt
$497
Net cashflow
$220

Break-even live

Break-even rent $2,091
Max offer price $239,000
Occupancy floor 86%

Sensitivity live

Price -10% $385 -5% $302 +0% $220 +5% $137 +10% $55
Rent -10% $33 -5% $126 +0% $220 +5% $313 +10% $407
Rate -1.0pp $340 -0.5pp $281 base $220 +0.5pp $158 +1.0pp $95

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
$59,750
Closing costs
$7,170
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 27 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
107 Kensington Rd Unit 5 Bronxville, NY 2.0 1.0 655 $2,650 $4.05 18d 1 0.52mi
717 Tuckahoe Rd Unit 16A Yonkers, NY 1.0 1.0 650 $2,495 $3.84 54d 1 0.56mi
1531 Central Park Ave Apt C1 Yonkers, NY 1.0 1.0 750 $2,100 $2.80 4d 1 0.62mi
42 Winchester Ave Unit 2A Yonkers, NY 1.0 1.0 700 $2,100 $3.00 63d 1 0.68mi
8 Wainwright Ave Unit 2A Yonkers, NY 1.0 700 $1,600 $2.29 56d 1 0.71mi
12 Wainwright Ave Apt 1B Yonkers, NY 1.0 1.0 700 $1,950 $2.79 93d 1 0.73mi
21 Fairview Ave Apt 315 Tuckahoe, NY 1.0 1.0 750 $2,200 $2.93 38d 1 0.73mi
21 Scarsdale Rd Yonkers, NY 2.0 1.0 753 $3,530 $4.69 4d 20 0.75mi
31 Fairview Ave #3 Tuckahoe, NY 1.0 1.0 750 $2,400 $3.20 30d 1 0.77mi
28 Kenilworth Rd Unit The Cottage Yonkers, NY 1.0 1.0 600 $1,950 $3.25 63d 1 0.82mi
50 Columbus Ave Unit 817 Tuckahoe, NY 1.0 1.0 750 $3,000 $4.00 71d 1 0.95mi
1440 Midland Ave Unit 1F Yonkers, NY 1.0 1.0 700 $2,100 $3.00 32d 1 1.01mi
40 Jackson Ave Eastchester, NY 1.0 1.0 750 $2,715 $3.62 9d 1 1.13mi
247 Mile Square Rd Yonkers, NY 1.0 350 $1,650 $4.71 54d 1 1.16mi
247 Mile Square Rd Unit 1ST Yonkers, NY 1.5 350 $1,650 $4.71 54d 1 1.16mi
2 Consulate Dr Unit 1J Tuckahoe, NY 1.0 1.0 750 $2,700 $3.60 61d 1 1.20mi
80 W Grand St Unit B1 Mt Vernon, NY 1.0 1.0 650 $1,970 $3.03 34d 1 1.25mi
42 Broad St W Mount Vernon, NY 3.0 1.0–2.0 1014 $3,956 $3.90 73d 15 1.25mi
42 Broad St W Mount Vernon, NY 3.0 1.0–2.0 955 $3,315 $3.47 0d 28 1.25mi
780 Bronx River Rd Unit A54 Yonkers, NY 1.0 450 $1,450 $3.22 38d 1 1.30mi
669 N Terrace Ave Mount Vernon, NY 1.0 1.0 750 $2,031 $2.71 74d 1 1.31mi
514 Gramatan Ave Mount Vernon, NY 1.0 1.0 675 $1,775 $2.63 0d 1 1.33mi
212 Alpine Pl Tuckahoe, NY 1.0 1.0 750 $2,700 $3.60 19d 1 1.39mi
212 Alpine Pl Tuckahoe, NY 1.0 1.0 700 $2,700 $3.86 69d 1 1.39mi
33 William St Mount Vernon, NY 1.0–2.0 1.0 725 $1,850 $2.55 71d 2 1.46mi
300 Columbus Ave Tuckahoe, NY 1.0 766 $3,100 $4.05 68d 5 1.47mi
Glen Rd Unit H Eastchester, NY 1.0 1.0 612 $2,200 $3.59 93d 1 1.48mi

Property features AI

Exterior

Parking
On-street parking (waitlist)One garage spaceParking fee applies
Utilities
Con-Edison electric servicePublic sewerCable availableElectricity availableNatural gas availablePhone available
Home design
Stock cooperativeOne-level homeEntry at level 1Located at the rear of the property
Construction
Brick, frame and stone constructionBrick/mortar and stone foundation
Exterior features
Mailbox

Interior

Kitchen
DishwasherGas ovenRefrigerator
Bedrooms
One bedroom (entry level)
Flooring
Hardwood flooringTile flooring
Bathrooms
One full bathroom
Heating & cooling
Natural gas heatingRadiant heatingAdditional heating type notedWall/window air conditioning units
Interior features
First-floor bedroom and first-floor full bathOther interior features notedCasement, double-pane, oversized and storm windowsMailbox
Laundry & utility
Laundry in basement (common area)

Listing history 50 events

  1. 2026-08-08
    days on market $239,000 Active 68 DOM
  2. 2026-08-06
    days on market $239,000 Active 66 DOM
  3. 2026-08-05
    days on market $239,000 Active 65 DOM
  4. 2026-08-04
    days on market $239,000 Active 64 DOM
  5. 2026-08-03
    days on market $239,000 Active 63 DOM
  6. 2026-07-31
    days on market $239,000 Active 60 DOM
  7. 2026-07-30
    days on market $239,000 Active 58 DOM
  8. 2026-07-28
    days on market $239,000 Active 57 DOM
  9. 2026-07-26
    days on market $239,000 Active 55 DOM
  10. 2026-07-24
    days on market $239,000 Active 53 DOM
  11. 2026-07-23
    days on market $239,000 Active 52 DOM
  12. 2026-07-22
    days on market $239,000 Active 51 DOM
  13. 2026-07-21
    days on market $239,000 Active 50 DOM
  14. 2026-07-20
    days on market $239,000 Active 49 DOM
  15. 2026-07-18
    days on market $239,000 Active 47 DOM
  16. 2026-07-18
    days on market $239,000 Active 46 DOM
  17. 2026-07-16
    days on market $239,000 Active 45 DOM
  18. 2026-07-15
    days on market $239,000 Active 44 DOM
  19. 2026-07-14
    days on market $239,000 Active 43 DOM
  20. 2026-07-13
    days on market $239,000 Active 42 DOM
  21. 2026-07-13
    days on market $239,000 Active 41 DOM
  22. 2026-07-11
    days on market $239,000 Active 40 DOM
  23. 2026-07-10
    days on market $239,000 Active 39 DOM
  24. 2026-07-09
    days on market $239,000 Active 38 DOM
  25. 2026-07-07
    days on market $239,000 Active 36 DOM
  26. 2026-07-06
    days on market $239,000 Active 35 DOM
  27. 2026-07-06
    days on market $239,000 Active 34 DOM
  28. 2026-07-05
    days on market $239,000 Active 33 DOM
  29. 2026-07-03
    days on market $239,000 Active 32 DOM
  30. 2026-07-02
    days on market $239,000 Active 31 DOM
  31. 2026-07-01
    days on market $239,000 Active 30 DOM
  32. 2026-06-30
    days on market $239,000 Active 29 DOM
  33. 2026-06-29
    days on market $239,000 Active 28 DOM
  34. 2026-06-28
    days on market $239,000 Active 27 DOM
  35. 2026-06-27
    days on market $239,000 Active 26 DOM
  36. 2026-06-26
    days on market $239,000 Active 25 DOM
  37. 2026-06-24
    days on market $239,000 Active 23 DOM
  38. 2026-06-22
    days on market $239,000 Active 21 DOM
  39. 2026-06-21
    days on market $239,000 Active 20 DOM
  40. 2026-06-18
    days on market $239,000 Active 17 DOM
  41. 2026-06-17
    days on market $239,000 Active 16 DOM
  42. 2026-06-16
    days on market $239,000 Active 15 DOM
  43. 2026-06-15
    days on market $239,000 Active 14 DOM
  44. 2026-06-13
    days on market $239,000 Active 12 DOM
  45. 2026-06-09
    days on market $239,000 Active 8 DOM
  46. 2026-06-08
    days on market $239,000 Active 7 DOM
  47. 2026-06-07
    days on market $239,000 Active 6 DOM
  48. 2026-06-04
    days on market $239,000 Active 3 DOM
  49. 2026-06-03
    days on market $239,000 Active 2 DOM
  50. 2026-06-02
    remarks 557-char remark

ⓘ 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 ≥99°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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$28,428
− Mortgage interest
−$13,388
− Property taxes
−$3,585
− Insurance
−$1,195
− Repairs & maintenance
−$2,274
− Management
−$2,274
− Depreciation
−$6,953
Taxable loss
−$1,241
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$298
After-tax cash flow
$2,936/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $3,500–$10,500 screening

This one-bedroom condo in a pre-war brick building is in good condition with minimal repairs needed. The property is move-in ready and offers a good return on investment.

Value-add opportunities

  • Both Paint the exterior brick — Enhances curb appeal and resale value.
  • Rental Replace air filters — Improves air quality and tenant satisfaction.

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

D Composite school gradezoned avg 58/100

Zoned Schools

Elementary Yonkers Early Childhood Academy Middle Yonkers Middle School F NY #587/729 Nat'l #9,793/14,009 High Yonkers High School A+ NY #238/1,100 Nat'l #387/17,239

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
C Composite livability gradescore 68/100

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 · 1,028,035 people
City population
212,407
Metro
New York-Newark-Jersey City, NY-NJ-PA
Population (ZIP)
22,482
Household income
$126,343
Rent vs Own
24.5% rent · 75.5% own
Severe rent burden
8% of renters

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 (69%)
Race & ethnicity
White 69% Hispanic / Latino 17% Two or more races 10% Black 6% Asian 4%
Hispanic origin (detail)
Puerto Rican 7% Dominican 3%
Common ancestry
Romanian 2% Lithuanian 2% Scotch-Irish 1%
Foreign-born
16% · Canada, China
Languages at home
76% English-only · Spanish 10% Other Indo-European 6% Other Asian/Pacific 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

Price history

1 event — show timeline
  • 2026-05-29 Listed $239,000 OneKey® MLS as Distributed by MLS Grid

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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