45 Pondfield Rd W Unit 1G · Yonkers, NY
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $691 – $1,283
Heat risk 6/10 · Moderate
- Hot days now (above 99°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 6/10 · Moderate
- Chance of severe wind over 30 yrs
- 27.0%
Air-quality risk 5/10 · Moderate
- Unhealthy air days now
- 6 days/yr
- Unhealthy air days in 30 yrs
- 8 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
Neighborhood map
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.
Questions for the listing agent
- 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?
- Built in 1928 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- IRR
- -8.7%
- Equity multiple
- 0.68×
- Total profit
- $-21,627
- Equity at exit
- $35,636
- 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
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
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$497
- Net cashflow
- $220
Break-even live
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
- Club membership (one-time)
- —
- 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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-08-08days on market $239,000 Active 68 DOM
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2026-08-06days on market $239,000 Active 66 DOM
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2026-08-05days on market $239,000 Active 65 DOM
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2026-08-04days on market $239,000 Active 64 DOM
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2026-08-03days on market $239,000 Active 63 DOM
-
2026-07-31days on market $239,000 Active 60 DOM
-
2026-07-30days on market $239,000 Active 58 DOM
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2026-07-28days on market $239,000 Active 57 DOM
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2026-07-26days on market $239,000 Active 55 DOM
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2026-07-24days on market $239,000 Active 53 DOM
-
2026-07-23days on market $239,000 Active 52 DOM
-
2026-07-22days on market $239,000 Active 51 DOM
-
2026-07-21days on market $239,000 Active 50 DOM
-
2026-07-20days on market $239,000 Active 49 DOM
-
2026-07-18days on market $239,000 Active 47 DOM
-
2026-07-18days on market $239,000 Active 46 DOM
-
2026-07-16days on market $239,000 Active 45 DOM
-
2026-07-15days on market $239,000 Active 44 DOM
-
2026-07-14days on market $239,000 Active 43 DOM
-
2026-07-13days on market $239,000 Active 42 DOM
-
2026-07-13days on market $239,000 Active 41 DOM
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2026-07-11days on market $239,000 Active 40 DOM
-
2026-07-10days on market $239,000 Active 39 DOM
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2026-07-09days on market $239,000 Active 38 DOM
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2026-07-07days on market $239,000 Active 36 DOM
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2026-07-06days on market $239,000 Active 35 DOM
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2026-07-06days on market $239,000 Active 34 DOM
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2026-07-05days on market $239,000 Active 33 DOM
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2026-07-03days on market $239,000 Active 32 DOM
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2026-07-02days on market $239,000 Active 31 DOM
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2026-07-01days on market $239,000 Active 30 DOM
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2026-06-30days on market $239,000 Active 29 DOM
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2026-06-29days on market $239,000 Active 28 DOM
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2026-06-28days on market $239,000 Active 27 DOM
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2026-06-27days on market $239,000 Active 26 DOM
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2026-06-26days on market $239,000 Active 25 DOM
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2026-06-24days on market $239,000 Active 23 DOM
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2026-06-22days on market $239,000 Active 21 DOM
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2026-06-21days on market $239,000 Active 20 DOM
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2026-06-18days on market $239,000 Active 17 DOM
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2026-06-17days on market $239,000 Active 16 DOM
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2026-06-16days on market $239,000 Active 15 DOM
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2026-06-15days on market $239,000 Active 14 DOM
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2026-06-13days on market $239,000 Active 12 DOM
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2026-06-09days on market $239,000 Active 8 DOM
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2026-06-08days on market $239,000 Active 7 DOM
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2026-06-07days on market $239,000 Active 6 DOM
-
2026-06-04days on market $239,000 Active 3 DOM
-
2026-06-03days on market $239,000 Active 2 DOM
-
2026-06-02remarks 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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
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
- 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
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.
Zoned Schools
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
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
- 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
- —
Market trends
- HPI YoY
- ▼ -668.11%
- Current HPI
- 203.4295
- Rent YoY
- ▲ 4.27%
- 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 |
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Price history
1 event — show timeline
- 2026-05-29 Listed $239,000 OneKey® MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…