175 White Rd · Scarsdale, NY 10583

$899,000

4 bd · 2.5 ba · 1,702 sqft · SingleFamily public records · 6 Days on market

Built 1950 4,792 sqft lot Est $1086k · 17% under ↓ 60% since listing

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Why this score? — see what drove the D+ 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).

• ARV discount +15.0/15.0
• Cash flow +9.6/30.0
• Schools +9.3/10.0
• Livability +3.5/5.0
• 1% rule +3.1/10.0
• DSCR +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Opportunity knocks with this 4-bedroom, 2.5-bath Colonial set on a level 50x100 lot in the desirable Edgewood section of Scarsdale. Scarsdale School District. Conveniently located near the Westchester Bee-Line commuter buses 64 and 65 along Grand Boulevard, providing easy access to the Scarsdale Metro-North train station for a seamless commute. Walking distance to Edgewood Elementary School. This home offers great potential and is a perfect opportunity for buyers looking to customize and renovate The house is being sold 'As-Is'. The photos have been virtually staged. Cash Buyers only.

Key facts

• Edgewood section
• Level lot
• Detached garage

Tags

• LEVEL LOT
• EDGEWOOD SECTION
• SCARSDALE SCHOOL DISTRICT
• DETACHED GARAGE

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath single-family listed at $899k.

Deal economics

• At list price, monthly cash flow is $-609 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $791k (12.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $725k (19.3% below list).
• Recommended offer: $725k (19.3% below list) — sets the bar for 1% rule.
• Cap rate 5.5% vs local median 0.6% in Scarsdale — 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 69/100 on livability (#496 in NY) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+; Watch: amenities F, commute F, cost of living F.
• Scarsdale Union Free School District (suburban): math 87% / reading 92% proficiency, ranked #1 of 590 in NY (top 0%) — strong family-tenant draw, lease renewals of 3-5y typical; only 4% free/reduced lunch — higher-income household profile.
• Zoned schools: Edgewood School (math 87% / reading 92%, grade A+, #45 of 2,108 statewide, top 3%, 380 students, 0% FRL); Scarsdale Middle School (math 79% / reading 91%, grade A+, #12 of 729 statewide, top 2%, 1,131 students, 0% FRL); Scarsdale Senior High School (math 100% / reading 90%, grade A+, #93 of 1,100 statewide, top 10%, 1,458 students, 0% FRL) — zoned schools at 0% FRL track the district average.
• Market conditions: 292 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
• This rent runs 35% of the median local income ($250k/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 $6k of loan paydown is wiped out by about $27k 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

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $361k; list at $899k implies a 149% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; 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 $725,387 (19.3% 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. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-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?
5. 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?
6. 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.
7. 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.
8. 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: 0.81% ✗
• Cap rate: 5.48%
• Cash-on-cash: -2.90%
• DSCR: 0.87
• GRM: 10.3

CMA / ARV

• ARV (on-the-fly): $1,085,876
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
175 White Rd	0.00mi	4/2.5	1,702 (0%)	1mo	$1,135,000	$667	100
90 Homestead Ave	0.26mi	3/1.5 (-1)	1,720 (+1%)	0mo	$1,045,000	$608	77
142 Bell Rd	0.34mi	3/1.5 (-1)	1,700 (-0%)	0mo	$1,250,000	$735	75
112 Clarence Rd	0.27mi	3/2.5 (-1)	1,843 (+8%)	4mo	$1,150,000	$624	66
149 Hilburn Rd	0.54mi	3/2.0 (-1)	1,584 (-7%)	1mo	$1,060,000	$669	55
21 Homestead Ave	0.41mi	3/2.5 (-1)	1,920 (+13%)	2mo	$1,188,000	$619	53
1 Webster Rd	0.56mi	3/2.0 (-1)	1,554 (-9%)	1mo	$1,160,000	$746	52
45 White Rd	0.38mi	3/1.5 (-1)	1,500 (-12%)	5mo	$827,000	$551	50
39 Darling Ave	0.67mi	3/2.0 (-1)	1,567 (-8%)	1mo	$999,000	$638	47
85 Lakeview Ave	0.75mi	3/2.0 (-1)	1,590 (-7%)	1mo	$1,050,000	$660	46
71 Dora Ln	0.45mi	3/3.0 (-1)	1,464 (-14%)	5mo	$700,000	$478	45
143 Darling Ave	0.69mi	3/2.0 (-1)	1,867 (+10%)	0mo	$1,130,000	$605	44

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -21.1%
• Equity multiple: 0.27×
• Total profit: $-184,289
• Equity at exit: $134,044

10-year hold

• IRR: -14.5%
• Equity multiple: 0.17×
• Total profit: $-209,675
• Equity at exit: $77,729

Cash invested: $251,720 (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 10583

• Active inventory: 292
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $7,254 high
• Mortgage (P&I): −$4,714
• Tax from tax record: −$1,251 /mo · $15,009/yr
• Insurance: −$375
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,523
• Net cashflow: $-609

Break-even live

Break-even rent $8,025

Max offer price $791,383

Occupancy floor —

Sensitivity live

Price	-10% $-100	-5% $-355	+0% $-609	+5% $-864	+10% $-1,118
Rent	-10% $-1,182	-5% $-896	+0% $-609	+5% $-323	+10% $-36
Rate	-1.0pp $-156	-0.5pp $-381	base $-609	+0.5pp $-842	+1.0pp $-1,079

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: $224,750
• Closing costs: $26,970
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
155 White Rd Scarsdale, NY	3.0	1.5	1632	$7,000	$4.29	44d	1	0.11mi
155 White Rd Scarsdale, NY	3.0	1.5	1232	$6,900	$5.60	0d	1	0.11mi
106 White Rd Scarsdale, NY	3.0	2.0	1700	$5,800	$3.41	0d	1	0.24mi
106 White Rd Scarsdale, NY	3.0	2.0	1700	$5,999	$3.53	22d	1	0.24mi
154 Bell Rd Scarsdale, NY	3.0	2.5	1611	$7,900	$4.90	0d	1	0.33mi
4 Greentree Dr Scarsdale, NY	4.0	2.5	2086	$6,850	$3.28	2d	1	0.85mi
36 Grand Blvd Unit 2 Scarsdale, NY	3.0	2.0	1500	$6,100	$4.07	44d	1	0.88mi

Listing history 3 events

1. 2026-04-07
   status Pending
2. 2026-03-23
   listed $899,000 Active
3. 2026-03-23
   soldstatus $361,000

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

Tax reassessment forecast NY · Partial reset (capped growth)

• Current annual tax: $15,009 · $1,251/mo
• Projected year-2 tax: $15,101 · $1,258/mo
• Expected delta: +$92/yr (+$8/mo · 0.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 69% 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 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $87,046
• − Mortgage interest: −$50,358
• − Property taxes: −$15,009
• − Insurance: −$4,495
• − Repairs & maintenance: −$6,964
• − Management: −$6,964
• − Depreciation: −$26,153
• Taxable loss: −$22,895
• Est. tax savings @ 24.0%: +$5,495
• After-tax cash flow: $-1,815/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: Scarsdale Union Free School District
• NCES district ID: 3625950
• Math proficiency: 87% ▼ -3.00%
• Reading proficiency: 92% ▲ 5.00%
• Median HH income: $227,871
• Composite: 92.53/100
• National rank: #1
• State rank: #1 of 590 in NY

Livability — Scarsdale

• Score: 69/100
• State rank: #496
• US rank: #8716

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Scarsdale, NY
• County: Westchester County · 709,332 people
• City population: 40,207
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 40,207
• Household income: $250,001
• Rent vs Own: 15.2% rent · 84.8% own
• Severe rent burden: 560.0

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 0.55)
• Race & ethnicity: White 63% Asian 20% Hispanic / Latino 8% Two or more races 7% Black 3%
• Hispanic origin (detail): Puerto Rican 2% Dominican 2%
• Common ancestry: Scotch-Irish 6% Romanian 5% Italian 3%
• Foreign-born: 25% · Canada, China, South Korea
• Languages at home: 72% English-only · Other Indo-European 8% Chinese 6% Spanish 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: ▼ -851.83%
• Current HPI: 283.4725
• Rent YoY: —
• 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

-59.8% since first listed

3 events — show timeline

• 2026-04-07 Pending — OneKey® MLS as Distributed by MLS Grid
• 2026-03-23 Sold (Public Records) $361,000 Public Records
• 2026-03-23 Listed $899,000 OneKey® MLS as Distributed by MLS Grid

Property tax history

-0.6%/yr

Latest (2025): $15,009 · +2.8% YoY. Source: county tax records.