431 4th St · Mamaroneck, NY 10543

$749,000

3 bd · 1.0 ba · 1,314 sqft · SingleFamily public records · 69 Days on market

Built 1960 1,614 sqft lot $570/sqft · 20% below area Est $931k · 20% under

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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 +7.8/30.0
• Schools +7.3/10.0
• Rent growth +4.2/5.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.8/10.0
• 1% rule +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Modern comfort, low-maintenance living, and exceptional convenience come together at 431 4th Street, in the heart of Mamaroneck, New York. Located within the prestigious Rye Neck School District, this thoughtfully reimagined home combines style, functionality, and commuter-friendly living just minutes from Florence Park, Metro-North, major highways, vibrant downtown restaurants and shops, and the renowned Harbor Island Park waterfront and beach. This 3-bedroom, 2.5-bath home features a desirable first-floor primary suite, a sun-filled open floor plan, and seamless indoor-outdoor flow with a custom wraparound deck - a rare offering for this centrally located Village property. The beautifully updated kitchen showcases stainless steel appliances, sleek countertops, and adjustable remote-controlled lighting designed for both everyday living and effortless entertaining. Upstairs, a bright and organized retreat awaits with two spacious bedrooms featuring generous closets and oversized windows, complemented by a full bath, built-in shelving, and an additional walk-in hall closet. The finished lower level features polished tile flooring, built-in shelving, abundant storage, upgraded major mechanicals (2024–2025), and walkout access, providing flexible space ideal for recreation, a home office, gym, or additional living needs. Thoughtfully updated throughout, this home offers the ease of move-in ready living while placing you close to everything Mamaroneck has to offer - waterfront recreation, parks, dining, shopping, and convenient access to NYC by train or car.

Key facts

• 1,614 sq ft lot
• Built 1960
• Listed 68 days

Tags

• COMPLETELY RENOVATED COLONIAL
• STATE OF THE ART KITCHEN
• LARGE CLOSETS IN EACH BEDROOM
• WALKOUT DOOR IN THE BASEMENT

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $749k.

Deal economics

• At list price, monthly cash flow is $-847 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $599k (20.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $460k (38.6% below list).
• Recommended offer: $460k (38.6% below list) — sets the bar for 1% rule.
• Cap rate 4.9% vs local median 3.1% in Mamaroneck — 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 (#491 in NY) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+; Watch: amenities C-, commute F, cost of living F.
• Rye Neck Union Free School District (suburban): math 78% / reading 84% proficiency, ranked #40 of 590 in NY (top 7%) — strong family-tenant draw, lease renewals of 3-5y typical; only 10% free/reduced lunch — higher-income household profile.
• Zoned schools: F E Bellows Elementary School (math 76% / reading 80%, grade A, #239 of 2,108 statewide, top 11%, 347 students, 13% FRL); Rye Neck Middle School (math 73% / reading 83%, grade A+, #37 of 729 statewide, top 5%, 351 students, 16% FRL); Rye Neck Senior High School (math 98% / reading 98%, grade A+, #19 of 1,100 statewide, top 4%, 515 students, 16% FRL).
• Market conditions: Rents rising fast (+6.7%/yr); 126 active listings in the ZIP; 26 comparable units currently listed for rent nearby; rentals at typical pace (median 27d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
• This rent runs 44% of the median local income ($126k/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 $5k of loan paydown is wiped out by about $22k 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 69 days — a 6% lower offer ($704k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $51k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $425k; list at $749k implies a 76% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major wind risk, 27% chance of damaging wind over 30y; extreme-heat days projected 7→16/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $459,635 (38.6% 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 69 days. Have you received any prior offers? Is the seller open to a 39% concession, seller financing, or rate buy-down credit?
3. Built in 1960 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.61% ✗
• Cap rate: 4.94%
• Cash-on-cash: -4.84%
• DSCR: 0.78
• GRM: 13.6

CMA / ARV

• ARV (median comp): $931,182
• List price: $749,000
• Delta: -19.56%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1116 Park Ave	0.12mi	3/1.0	1,340 (+2%)	10mo	$830,000	$619	83
1311 Henry Ave	0.13mi	2/1.5 (-1)	1,227 (-7%)	1mo	$790,000	$644	76
410 Hunter St	0.05mi	3/2.0	1,196 (-9%)	9mo	$790,000	$661	72
604 Hampshire Rd	0.33mi	4/1.0 (+1)	1,350 (+3%)	8mo	$775,000	$574	69
640 Hillside Ave	0.60mi	3/2.0	1,296 (-1%)	0mo	$1,050,000	$810	66
9 Harrington Pl	0.16mi	3/2.0	1,452 (+10%)	8mo	$871,500	$600	64
718 Jefferson Ave	0.36mi	3/1.5	1,437 (+9%)	7mo	$728,000	$507	60
1325 Stoneybrook Ave	0.44mi	3/3.0	1,400 (+6%)	2mo	$730,000	$521	59
60 Holland St	0.72mi	2/2.0 (-1)	1,256 (-4%)	2mo	$853,000	$679	49
43 Clifford Pl Unit 43	0.68mi	2/2.5 (-1)	1,320 (+0%)	10mo	$618,000	$468	48
145 Harrison Ave	0.65mi	3/1.0	1,486 (+13%)	7mo	$880,000	$592	42
1321 Crown Ct	0.72mi	4/3.0 (+1)	1,379 (+5%)	7mo	$825,000	$598	40

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 · 6.7% rent growth · sell at horizon

5-year hold

• IRR: -21.2%
• Equity multiple: 0.25×
• Total profit: $-157,899
• Equity at exit: $111,678

10-year hold

• IRR: -8.8%
• Equity multiple: 0.38×
• Total profit: $-129,790
• Equity at exit: $64,760

Cash invested: $209,720 (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 10543

• Rents YoY: 6.7%
• Active inventory: 126
• Price-to-rent: 13.6×

Monthly cashflow live

• Estimated rent: $4,596 high
• Mortgage (P&I): −$3,928
• Tax from tax record: −$238 /mo · $2,853/yr
• Insurance: −$312
• HOA: −$0
• Vacancy / Maint / Mgmt: −$965
• Net cashflow: $-847

Break-even live

Break-even rent $5,668

Max offer price $599,458

Occupancy floor —

Sensitivity live

Price	-10% $-423	-5% $-635	+0% $-847	+5% $-1,059	+10% $-1,271
Rent	-10% $-1,210	-5% $-1,028	+0% $-847	+5% $-665	+10% $-483
Rate	-1.0pp $-469	-0.5pp $-656	base $-847	+0.5pp $-1,041	+1.0pp $-1,238

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: $187,250
• Closing costs: $22,470
• Reserves months: —
• Total cash needed: —

Rent comps 26 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1408 Henry Ave #2 Mamaroneck, NY	3.0	1.5	1400	$4,200	$3.00	45d	1	0.10mi
14 Fremont St Unit 1 Harrison, NY	3.0	2.0	1500	$4,300	$2.87	9d	1	0.13mi
29 Fremont St Unit B Harrison, NY	3.0	2.0	1330	$4,500	$3.38	45d	1	0.15mi
1016 Jefferson Ave Mamaroneck, NY	3.0	1.5	1300	$4,200	$3.23	20d	1	0.23mi
53 Rose Ave Unit 2 Harrison, NY	3.0	1.0	1000	$3,300	$3.30	26d	1	0.34mi
132 Halstead Ave Unit 2B Harrison, NY	2.0	2.0	1132	$5,500	$4.86	45d	1	0.39mi
132 Halstead Ave Unit 4D Harrison, NY	3.0	2.5	1329	$6,850	$5.15	45d	1	0.39mi
8 Marion Ave #6 Harrison, NY	3.0	2.5	1420	$6,400	$4.51	6d	1	0.53mi
317 Hornidge Rd Mamaroneck, NY	4.0	2.0	1600	$5,500	$3.44	18d	1	0.54mi
8 Davenport St Harrison, NY	3.0	2.0	1700	$5,000	$2.94	4d	1	0.64mi
135 Webster Ave Harrison, NY	3.0	1.0	1500	$3,300	$2.20	20d	1	0.70mi
416 Tompkins Ave Unit SECOND FLOOR Mamaroneck, NY	2.0	1.0	1100	$3,800	$3.45	45d	1	0.72mi
210 Union Ave Mamaroneck, NY	3.0	1.5	1000	$3,500	$3.50	26d	1	0.77mi
97 Crotona Ave Unit 1 Harrison, NY	3.0	1.0	1000	$3,900	$3.90	45d	1	0.79mi
209 Halstead Ave Unit 3 Mamaroneck, NY	3.0	1.0	1500	$3,975	$2.65	45d	1	0.80mi
52 Nelson Ave Unit 2 Harrison, NY	3.0	1.5	1450	$4,000	$2.76	20d	1	0.81mi
140 Rockwell St Unit A Harrison, NY	3.0	2.5	1850	$7,000	$3.78	6d	1	0.82mi
48 Oakland Ave Harrison, NY	2.0	1.0	1000	$3,000	$3.00	26d	1	0.84mi
74 Nelson Ave Apt 1 Harrison, NY	2.0	1.0	900	$4,000	$4.44	45d	1	0.87mi
74 Nelson Ave Apt 4 Harrison, NY	2.0	1.0	914	$4,500	$4.92	45d	1	0.87mi
746 Mamaroneck Ave Mamaroneck, NY	1.0–2.0	1.0–2.0	974	$5,720	$5.87	0d	17	0.87mi
332 Halstead Ave Harrison, NY	1.0–3.0	1.0–3.0	1116	$5,000	$4.48	0d	1	0.93mi
338 Palmer Ave Unit B Mamaroneck, NY	2.0	1.0	900	$3,700	$4.11	26d	1	1.07mi
89 Crystal St Harrison, NY	3.0	2.5	1700	$8,250	$4.85	20d	1	1.08mi
87 Crystal St Harrison, NY	3.0	2.5	1700	$8,250	$4.85	20d	1	1.08mi
505 Prospect Ave Mamaroneck, NY	3.0	1.5	1500	$6,700	$4.47	15d	1	1.24mi

Listing history 25 events

1. 2026-06-21
   days on market $749,000 Active 69 DOM
2. 2026-06-18
   days on market $749,000 Active 66 DOM
3. 2026-06-17
   days on market $749,000 Active 65 DOM
4. 2026-06-16
   days on market $749,000 Active 64 DOM
5. 2026-06-15
   days on market $749,000 Active 63 DOM
6. 2026-06-13
   days on market $749,000 Active 61 DOM
7. 2026-06-13
   days on market $749,000 Active 60 DOM
8. 2026-06-09
   days on market $749,000 Active 57 DOM
9. 2026-06-08
   days on market $749,000 Active 56 DOM
10. 2026-06-08
    days on market $749,000 Active 55 DOM
11. 2026-06-04
    days on market $749,000 Active 52 DOM
12. 2026-06-03
    days on market $749,000 Active 51 DOM
13. 2026-06-02
    days on market $749,000 Active 50 DOM
14. 2026-06-01
    days on market $749,000 Active 49 DOM
15. 2026-05-31
    days on market $749,000 Active 48 DOM
16. 2026-05-11
    price $749,000 1590-char remark

    Show marketing remark (1590 chars)

    Modern comfort, low-maintenance living, and exceptional convenience come together at 431 4th Street, in the heart of Mamaroneck, New York. Located within the prestigious Rye Neck School District, this thoughtfully reimagined home combines style, functionality, and commuter-friendly living just minutes from Florence Park, Metro-North, major highways, vibrant downtown restaurants and shops, and the renowned Harbor Island Park waterfront and beach. This 3-bedroom, 2.5-bath home features a desirable first-floor primary suite, a sun-filled open floor plan, and seamless indoor-outdoor flow with a custom wraparound deck - a rare offering for this centrally located Village property. The beautifully updated kitchen showcases stainless steel appliances, sleek countertops, and adjustable remote-controlled lighting designed for both everyday living and effortless entertaining. Upstairs, a bright and organized retreat awaits with two spacious bedrooms featuring generous closets and oversized windows, complemented by a full bath, built-in shelving, and an additional walk-in hall closet. The finished lower level features polished tile flooring, built-in shelving, abundant storage, upgraded major mechanicals (2024–2025), and walkout access, providing flexible space ideal for recreation, a home office, gym, or additional living needs. Thoughtfully updated throughout, this home offers the ease of move-in ready living while placing you close to everything Mamaroneck has to offer - waterfront recreation, parks, dining, shopping, and convenient access to NYC by train or car.

17. 2026-04-13
    listed $799,900 Active 1590-char remark

    Show marketing remark (1590 chars)

    Modern comfort, low-maintenance living, and exceptional convenience come together at 431 4th Street, in the heart of Mamaroneck, New York. Located within the prestigious Rye Neck School District, this thoughtfully reimagined home combines style, functionality, and commuter-friendly living just minutes from Florence Park, Metro-North, major highways, vibrant downtown restaurants and shops, and the renowned Harbor Island Park waterfront and beach. This 3-bedroom, 2.5-bath home features a desirable first-floor primary suite, a sun-filled open floor plan, and seamless indoor-outdoor flow with a custom wraparound deck - a rare offering for this centrally located Village property. The beautifully updated kitchen showcases stainless steel appliances, sleek countertops, and adjustable remote-controlled lighting designed for both everyday living and effortless entertaining. Upstairs, a bright and organized retreat awaits with two spacious bedrooms featuring generous closets and oversized windows, complemented by a full bath, built-in shelving, and an additional walk-in hall closet. The finished lower level features polished tile flooring, built-in shelving, abundant storage, upgraded major mechanicals (2024–2025), and walkout access, providing flexible space ideal for recreation, a home office, gym, or additional living needs. Thoughtfully updated throughout, this home offers the ease of move-in ready living while placing you close to everything Mamaroneck has to offer - waterfront recreation, parks, dining, shopping, and convenient access to NYC by train or car.

18. 2026-01-14
    soldstatus $425,000
19. 2025-12-18
    soldstatus $425,000 Closed 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

20. 2025-12-04
    status Pending 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

21. 2025-10-02
    price $490,000 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

22. 2025-09-18
    status Active 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

23. 2025-09-18
    price $515,000 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

24. 2025-06-20
    status Active 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

25. 2025-04-11
    listed $530,000 Active 2057-char remark

    Show marketing remark (2057 chars)

    Price reduced to accommodate all updates! Seller will not entertain low offers, so bring your best offer today and snatch up this house in time to celebrate in your new home for the holidays! Perfectly positioned between Mamaroneck, Rye Neck, and Harrison, this home offers easy access to the best of each area: Close to stores, beautiful parks, highways, public transportation, and it's in a great school district. Located minutes from I95, I287 & I684, this house is also walking distance to Beeline bus routes 61, 60, 5, and the Metro-North New Haven Line. There is even no need to drive unless you want to! This unique colonial features large closets in each bedroom, tons of additional storage space, and sun-filled rooms with natural light throughout. Concerned about bathtime? Enjoy your customized, spa-like experience at home in the state of the art Walk-in Bathtub oufitted to suit both your personal bath and shower needs. Safety, comfort, and convenience start on the first floor with a Ring doorbell, Smart lock entry, massive living room, sun room, master bedroom, open dining room, and a kitchen with washer hook up all on the main floor! You don’t even have to go up or downstairs, but you should. Walk out of the kitchen to the private backyard that is waiting for you to add your personal touches! Head upstairs to the two spacious bedrooms, a large linen closet with attic scuttle access, and a bonus room that features its own window and heat. Make it your office, walk-in closet, gym space, or more. With so many uses As-Is, creativity abounds even more with the help of a good contractor. Watch your head as you venture downstairs to the spacious, bright, and upgraded basement. It opens up to reveal a new furnace/boiler and electrical panel. Existing hook-ups for a washer and dryer, overhead beams for storage, built-in shelf spaces, and access to walk-out of the basement into the Bilco doors/ storm shelter, which connects to your backyard! See for yourself & make this house your home or rental property today!

ⓘ 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: $2,853 · $238/mo
• Projected year-2 tax: $7,755 · $646/mo
• Expected delta: +$4,903/yr (+$409/mo · 171.9%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 6/10 Major 7 d/yr ≥98°F today · 16 d/yr by 30 yrs out
• 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 7 by 30 yrs out

Taxation est. · year 1

• Rental income: $55,156
• − Mortgage interest: −$41,956
• − Property taxes: −$2,853
• − Insurance: −$3,745
• − Repairs & maintenance: −$4,412
• − Management: −$4,412
• − Depreciation: −$21,789
• Taxable loss: −$24,011
• Est. tax savings @ 24.0%: +$5,763
• After-tax cash flow: $-4,396/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: Rye Neck Union Free School District
• NCES district ID: 3625290
• Math proficiency: 78% ▬ 0.00%
• Reading proficiency: 84% ▲ 12.00%
• Median HH income: $99,235
• Composite: 73.17/100
• National rank: #188
• State rank: #40 of 590 in NY

Livability — Mamaroneck

• Score: 69/100
• State rank: #491
• US rank: #8656

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mamaroneck, NY
• County: Westchester County · 709,332 people
• City population: 20,989
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 20,989
• Household income: $126,417
• Rent vs Own: 41.8% rent · 58.2% own
• Severe rent burden: 1152.0

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 0.57)
• Race & ethnicity: White 59% Hispanic / Latino 27% Two or more races 11% Asian 5% Black 4% Native American 1%
• Hispanic origin (detail): Mexican 5% Puerto Rican 4% Dominican 2%
• Common ancestry: Russian 3% Romanian 2% Scotch-Irish 2%
• Foreign-born: 28% · Canada, Jamaica, China
• Languages at home: 60% English-only · Spanish 23% Other Indo-European 8% 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: ▼ -220.53%
• Current HPI: 268.4687
• Rent YoY: ▲ 6.70%
• 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

+41.3% since first listed

10 events — show timeline

• 2026-05-11 Price Changed $749,000 OneKey® MLS as Distributed by MLS Grid
• 2026-04-13 Listed $799,900 OneKey® MLS as Distributed by MLS Grid
• 2026-01-14 Sold (Public Records) $425,000 Public Records
• 2025-12-18 Sold (MLS) $425,000 OneKey® MLS as Distributed by MLS Grid
• 2025-12-04 Pending — OneKey® MLS as Distributed by MLS Grid
• 2025-10-02 Price Changed $490,000 OneKey® MLS as Distributed by MLS Grid
• 2025-09-18 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-09-18 Price Changed $515,000 OneKey® MLS as Distributed by MLS Grid
• 2025-06-20 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2025-04-11 Listed $530,000 OneKey® MLS as Distributed by MLS Grid

Property tax history

+2.1%/yr

Latest (2025): $2,853 · +9.8% YoY. Source: county tax records.