25 Trinity Pl Unit 2k · New Rochelle, NY 10805

$219,000

1 bd · 1.0 ba · 667 sqft · Condo · 151 Days on market

Built 1965 $328/sqft · 29% above area Est $170k · 29% 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 +7.5/10.0
• Cash flow +5.8/30.0
• Schools +5.7/10.0
• Appreciation +4.3/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +0.2/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Discover Unit 2K at 25 Trinity Place- a bright, comfortable 1-bedroom co-op in the well-maintained Trinity Arms community in New Rochelle, where everyday living is easy and convenient. This sunny second-floor home features generous closet space and comes with assigned parking at no extra cost plus on-site super, common laundry, storage and bike racks, all just a short stroll to the Metro-North for an approximately 30-minute commute to NYC and minutes from vibrant Downtown New Rochelle’s shops, restaurants, entertainment and waterfront parks/beaches, making it a perfect place to call home.

Key facts

• Parking
• Built 1965
• Listed 150 days

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $219k.

Deal economics

• At list price, monthly cash flow is $-435 ($-5k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $219k).
• Recommended offer: $193k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#487 in NY) — a middle-class / working-renter tenant base. Strengths: employment A+, crime A, amenities B+; Watch: housing D+, commute F, cost of living F.
• New Rochelle City School District (suburban): math 63% / reading 66% proficiency, ranked #171 of 590 in NY (top 29%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 84 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 954 units permitted in Westchester County in 2024 (649 in 5+ unit buildings).
• This rent runs 32% of the median local income ($102k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-1.5%/yr); year-one equity from $2k of loan paydown is wiped out by about $3k 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 151 days — a 12% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 27y ago; this cycle's ask has dropped $16k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $134k; list at $219k implies a 64% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 40% 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 $192,720 (12.0% 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 151 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.25% ✓
• Cap rate: 3.91%
• Cash-on-cash: -8.51%
• DSCR: 0.62
• GRM: 6.7

CMA / ARV

• ARV (median comp): $170,310
• List price: $219,000
• Delta: 28.59%
• Verdict: OVERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-1.48% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -19.4%
• Equity multiple: 0.21×
• Total profit: $-48,147
• Equity at exit: $47,895

10-year hold

• IRR: -12.3%
• Equity multiple: -0.00×
• Total profit: $-61,579
• Equity at exit: $46,172

Cash invested: $61,320 (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 10805

• Home prices YoY: -0.5%
• Active inventory: 84
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $2,741 high
• Mortgage (P&I): −$1,148
• Tax est. 1.5%: −$274 /mo · $3,285/yr
• Insurance: −$91
• HOA est. from 1 same-building comp: −$1,087
• Vacancy / Maint / Mgmt: −$576
• Net cashflow: $-435

Break-even live

Break-even rent $3,292

Max offer price $156,077

Occupancy floor —

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: $54,750
• Closing costs: $6,570
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
220 Pelham Rd New Rochelle, NY	1.0–2.0	1.0	862	$2,195	$2.54	1d	2	0.23mi
130 Centre Ave Unit 4B New Rochelle, NY	—	1.0	452	$1,885	$4.17	43d	1	0.24mi
50 Clinton Pl New Rochelle, NY	2.0	1.0–2.0	844	$5,007	$5.93	1d	31	0.26mi
55 Clinton Pl New Rochelle, NY	2.0	1.0–2.0	910	$3,721	$4.09	1d	28	0.30mi
111 Centre Ave New Rochelle, NY	1.0–2.0	1.0–2.0	787	$2,847	$3.62	1d	17	0.31mi
25 Maple Ave New Rochelle, NY	2.0	1.0–2.0	748	$3,054	$4.08	4d	12	0.33mi
46 Locust Ave Unit 2 New Rochelle, NY	2.0	1.0	750	$2,950	$3.93	18d	1	0.34mi
12 Church St New Rochelle, NY	2.0	1.0–2.0	770	$3,536	$4.59	2d	50	0.35mi
360 Huguenot St New Rochelle, NY	2.0	1.0–2.0	764	$2,945	$3.85	1d	15	0.40mi
387 Huguenot St New Rochelle, NY	2.0	1.0–2.0	753	$2,808	$3.73	4d	6	0.42mi
40 Memorial Hwy New Rochelle, NY	3.0	1.0–2.0	917	$3,158	$3.44	1d	51	0.43mi
333 Huguenot St New Rochelle, NY	2.0	1.0–2.0	853	$3,562	$4.17	2d	12	0.44mi
10 Lecount Pl New Rochelle, NY	2.0	1.0–2.0	740	$3,764	$5.08	1d	14	0.44mi
325 Huguenot St New Rochelle, NY	1.0–2.0	1.0–2.0	989	$2,855	$2.89	5d	8	0.46mi
1 Shearwood Pl New Rochelle, NY	3.0	1.0–2.0	896	$2,922	$3.26	2d	31	0.52mi
504 Pelham Rd New Rochelle, NY	1.0	1.0	700	$2,300	$3.29	13d	1	0.66mi
20 Burling Ln New Rochelle, NY	1.0	1.0	725	$3,110	$4.29	10d	10	0.69mi
10 Commerce Dr New Rochelle, NY	2.0	1.0–2.0	792	$3,094	$3.91	1d	11	0.70mi
11 Burling Ln New Rochelle, NY	—	1.0	516	$2,250	$4.36	20d	9	0.73mi
95 Washington Ave Unit 1R New Rochelle, NY	—	1.0	400	$1,700	$4.25	24d	1	0.75mi
245 Main St Unit 1 New Rochelle, NY	1.0	1.0	750	$1,750	$2.33	17d	1	0.80mi
3 Harbor Ln Unit 3A New Rochelle, NY	1.0	1.0	700	$2,500	$3.57	24d	1	0.88mi
666 Pelham Rd Apt 3A New Rochelle, NY	1.0	1.0	750	$2,350	$3.13	43d	1	1.01mi
225 Sickles Ave Unit 1 New Rochelle, NY	1.0	1.0	750	$2,600	$3.47	43d	1	1.09mi
111 Colonial Pl Unit 3 New Rochelle, NY	1.0	1.0	400	$2,300	$5.75	18d	1	1.13mi
17 Dewitt Pl New Rochelle, NY	2.0	1.0	550	$2,500	$4.55	43d	1	1.14mi
9 9th St Unit 3rd Floor New Rochelle, NY	1.0	1.0	750	$2,100	$2.80	43d	1	1.17mi
120 Stonelea Pl Apt 3M New Rochelle, NY	1.0	1.0	750	$2,300	$3.07	18d	1	1.24mi
600 North Ave New Rochelle, NY	2.0	1.0–2.0	869	$3,422	$3.94	1d	11	1.38mi

HOA detail condo

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

Listing history 50 events

1. 2026-06-18
   days on market $219,000 Active 151 DOM
2. 2026-06-17
   days on market $219,000 Active 150 DOM
3. 2026-06-16
   days on market $219,000 Active 149 DOM
4. 2026-06-15
   days on market $219,000 Active 148 DOM
5. 2026-06-13
   days on market $219,000 Active 146 DOM
6. 2026-06-09
   days on market $219,000 Active 142 DOM
7. 2026-06-08
   days on market $219,000 Active 141 DOM
8. 2026-06-07
   days on market $219,000 Active 140 DOM
9. 2026-06-04
   pricedays on market $219,000 Active 137 DOM
10. 2026-06-03
    days on market $230,000 Active 136 DOM
11. 2026-06-02
    days on market $230,000 Active 135 DOM
12. 2026-06-01
    days on market $230,000 Active 134 DOM
13. 2026-05-31
    days on market $230,000 Active 133 DOM
14. 2026-05-13
    price $230,000 601-char remark

    Show marketing remark (601 chars)

    Discover Unit 2K at 25 Trinity Place- a bright, comfortable 1-bedroom co-op in the well-maintained Trinity Arms community in New Rochelle, where everyday living is easy and convenient. This sunny second-floor home features generous closet space and comes with assigned parking at no extra cost plus on-site super, common laundry, storage and bike racks, all just a short stroll to the Metro-North for an approximately 30-minute commute to NYC and minutes from vibrant Downtown New Rochelle’s shops, restaurants, entertainment and waterfront parks/beaches, making it a perfect place to call home.

15. 2026-01-19
    listed $235,000 Active 601-char remark

    Show marketing remark (601 chars)

    Discover Unit 2K at 25 Trinity Place- a bright, comfortable 1-bedroom co-op in the well-maintained Trinity Arms community in New Rochelle, where everyday living is easy and convenient. This sunny second-floor home features generous closet space and comes with assigned parking at no extra cost plus on-site super, common laundry, storage and bike racks, all just a short stroll to the Metro-North for an approximately 30-minute commute to NYC and minutes from vibrant Downtown New Rochelle’s shops, restaurants, entertainment and waterfront parks/beaches, making it a perfect place to call home.

16. 2026-01-16
    historical $235,000 601-char remark

    Show marketing remark (601 chars)

    Discover Unit 2K at 25 Trinity Place- a bright, comfortable 1-bedroom co-op in the well-maintained Trinity Arms community in New Rochelle, where everyday living is easy and convenient. This sunny second-floor home features generous closet space and comes with assigned parking at no extra cost plus on-site super, common laundry, storage and bike racks, all just a short stroll to the Metro-North for an approximately 30-minute commute to NYC and minutes from vibrant Downtown New Rochelle’s shops, restaurants, entertainment and waterfront parks/beaches, making it a perfect place to call home.

17. 2024-10-01
    soldstatus $133,900 Closed 734-char remark

    Show marketing remark (734 chars)

    You will absolutely love Trinity Arms Complex. Sunny and bright 1 Bedroom Co-op apartment on the 2nd floor of a very well-maintained building and manicured grounds. Nice comfortable layout for everyday easy living, great closet space. Immediate Assigned parking, On-site Super, Common Laundry, Common storage and bike racks in basement at no additional cost, 10 minute stroll to Metro North and only 30 minutes to NYC and downtown New Rochelle and all it has to offer from restaurants, shopping, Gym, farmers market, Shopping Malls, Waterfront parks. Enjoy the beach and outdoor concerts at Hudson Park in the Summer and sledding at Davenport Park. Yearly star rebate is $1392.42 Additional Information: HeatingFuel:Oil Above Ground,

18. 2024-05-31
    status Pending 734-char remark

    Show marketing remark (734 chars)

    You will absolutely love Trinity Arms Complex. Sunny and bright 1 Bedroom Co-op apartment on the 2nd floor of a very well-maintained building and manicured grounds. Nice comfortable layout for everyday easy living, great closet space. Immediate Assigned parking, On-site Super, Common Laundry, Common storage and bike racks in basement at no additional cost, 10 minute stroll to Metro North and only 30 minutes to NYC and downtown New Rochelle and all it has to offer from restaurants, shopping, Gym, farmers market, Shopping Malls, Waterfront parks. Enjoy the beach and outdoor concerts at Hudson Park in the Summer and sledding at Davenport Park. Yearly star rebate is $1392.42 Additional Information: HeatingFuel:Oil Above Ground,

19. 2024-05-09
    listed $133,900 Active 734-char remark

    Show marketing remark (734 chars)

    You will absolutely love Trinity Arms Complex. Sunny and bright 1 Bedroom Co-op apartment on the 2nd floor of a very well-maintained building and manicured grounds. Nice comfortable layout for everyday easy living, great closet space. Immediate Assigned parking, On-site Super, Common Laundry, Common storage and bike racks in basement at no additional cost, 10 minute stroll to Metro North and only 30 minutes to NYC and downtown New Rochelle and all it has to offer from restaurants, shopping, Gym, farmers market, Shopping Malls, Waterfront parks. Enjoy the beach and outdoor concerts at Hudson Park in the Summer and sledding at Davenport Park. Yearly star rebate is $1392.42 Additional Information: HeatingFuel:Oil Above Ground,

20. 2023-12-21
    status Pending
21. 2023-12-12
    historical
22. 2023-12-03
    price $135,000
23. 2023-12-01
    price $139,990
24. 2023-11-25
    price $139,995
25. 2023-11-13
    price $139,997
26. 2023-10-18
    price $139,998
27. 2023-10-13
    price $139,999
28. 2023-10-05
    listed $142,500 Active
29. 2014-03-15
    price $77,500
30. 2012-02-17
    soldstatus $77,500 Sold
31. 2012-01-27
    historical
32. 2011-10-30
    historical Pending
33. 2011-10-30
    price $84,900
34. 2011-09-14
    listed $84,900 Active
35. 2011-09-14
    historical
36. 2011-08-28
    price
37. 2011-05-19
    price
38. 2011-02-06
    price
39. 2010-12-06
    listed Active
40. 2010-07-31
    historical
41. 2010-02-08
    price
42. 2009-05-18
    listed
43. 2003-12-12
    soldstatus $75,000
44. 2003-11-26
    price $79,000
45. 2003-11-26
    historical
46. 2003-07-17
    listed $75,000
47. 2000-03-29
    soldstatus $40,000
48. 1999-12-02
    historical
49. 1999-12-02
    price $43,500
50. 1999-10-30
    listed $40,000

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% 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 5/10 Major 6 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,895
• − Mortgage interest: −$12,267
• − Property taxes: −$3,285
• − Insurance: −$1,095
• − Repairs & maintenance: −$2,632
• − Management: −$2,632
• − HOA: −$13,044
• − Depreciation: −$6,371
• Taxable loss: −$8,430
• Est. tax savings @ 24.0%: +$2,023
• After-tax cash flow: $-3,195/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: New Rochelle City School District
• NCES district ID: 3620490
• Math proficiency: 63% ▲ 3.00%
• Reading proficiency: 66% ▲ 9.00%
• Median HH income: $69,165
• Composite: 56.63/100
• National rank: #1139
• State rank: #171 of 590 in NY

Livability — New Rochelle

• Score: 69/100
• State rank: #487
• US rank: #8572

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: New Rochelle, NY
• County: Westchester County · 709,332 people
• City population: 63,657
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 20,903
• Household income: $102,109
• Rent vs Own: 53.9% rent · 46.1% own
• Severe rent burden: 961.0

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 0.67)
• Race & ethnicity: Hispanic / Latino 39% White 38% Black 17% Two or more races 13% Asian 4%
• Hispanic origin (detail): Mexican 15% Puerto Rican 11% Dominican 2%
• Common ancestry: Romanian 2% Russian 1% Scotch-Irish 1%
• Foreign-born: 32% · Canada, Jamaica, South Korea
• Languages at home: 54% English-only · Spanish 32% Other Indo-European 7% German/W. Germanic 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: ▼ -1.48%
• Current HPI: 278.8511
• 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

+475.0% since first listed

37 events — show timeline

• 2026-05-13 Price Changed $230,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-19 Listed $235,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-16 Coming Soon $235,000 OneKey® MLS as Distributed by MLS Grid
• 2024-10-01 Sold (MLS) $133,900 OneKey® MLS as Distributed by MLS Grid
• 2024-05-31 Pending — OneKey® MLS as Distributed by MLS Grid
• 2024-05-09 Listed $133,900 OneKey® MLS as Distributed by MLS Grid
• 2023-12-21 Pending — OneKey® MLS as Distributed by MLS Grid
• 2023-12-12 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2023-12-03 Price Changed $135,000 OneKey® MLS as Distributed by MLS Grid
• 2023-12-01 Price Changed $139,990 OneKey® MLS as Distributed by MLS Grid
• 2023-11-25 Price Changed $139,995 OneKey® MLS as Distributed by MLS Grid
• 2023-11-13 Price Changed $139,997 OneKey® MLS as Distributed by MLS Grid
• 2023-10-18 Price Changed $139,998 OneKey® MLS as Distributed by MLS Grid
• 2023-10-13 Price Changed $139,999 OneKey® MLS as Distributed by MLS Grid
• 2023-10-05 Listed $142,500 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $77,500 HGMLS
• 2012-02-17 Sold (MLS) $77,500 HGMLS
• 2012-01-27 Delisted — HGMLS
• 2011-10-30 Contingent — HGMLS
• 2011-10-30 Price Changed $84,900 HGMLS
• 2011-09-14 Listed $84,900 HGMLS
• 2011-09-14 Delisted — HGMLS
• 2011-08-28 Price Changed — HGMLS
• 2011-05-19 Price Changed — HGMLS
• 2011-02-06 Price Changed — HGMLS
• 2010-12-06 Listed — HGMLS
• 2010-07-31 Delisted — HGMLS
• 2010-02-08 Price Changed — HGMLS
• 2009-05-18 Listed — HGMLS
• 2003-12-12 Sold (MLS) $75,000 HGMLS
• 2003-11-26 Delisted — HGMLS
• 2003-11-26 Price Changed $79,000 HGMLS
• 2003-07-17 Listed $75,000 HGMLS
• 2000-03-29 Sold (MLS) $40,000 HGMLS
• 1999-12-02 Price Changed $43,500 HGMLS
• 1999-12-02 Delisted — HGMLS
• 1999-10-30 Listed $40,000 HGMLS