821 Bronx River Rd Unit 4D · Yonkers, NY 10708

$170,000

1 bd · 1.0 ba · 722 sqft · Condo · 53 Days on market

Built 1952 $235/sqft · 12% below area Est $193k · 12% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +12.9/15.0
• DSCR +10.0/10.0
• 1% rule +8.8/10.0
• Schools +4.1/10.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Bright, convenient and renovated! Easily accessible to the Fleetwood metro north station and shopping, this bright and spacious one bedroom apartment with dining area is the perfect investment for all, from downsizers to first time buyers . Immaculate and spacious, the renovated kitchen with new appliances and bright new windowed bathroom are complemented by gleaming hardwood floors and oversized windows. Abundant natural light from windows in every room and ample closet space add to the comfortable ambiance of this special unit. Assigned parking is available. Renting is allowed pending an extended residency requirement.

Key facts

• Garage
• Built 1952
• Listed 53 days

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $170k.

Deal economics

• At list price, monthly cash flow is $617 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $165k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.1% vs local median 5.3% 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.
• Market conditions: Rents rising fast (+4.3%/yr); 245 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 4.3% rent growth), your $48k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 53 days — a 3% lower offer ($165k) is reasonable based on typical stale-listing flexibility.
• 14 sale attempts since 16y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $100k; list at $170k implies a 70% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe 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 $164,900 (3.0% below list)

Questions for the listing agent

1. It's been on market 53 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. 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?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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 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: 1.38% ✓
• Cap rate: 11.12%
• Cash-on-cash: 17.23%
• DSCR: 1.77
• GRM: 6.0

CMA / ARV

• ARV (median comp): $193,053
• List price: $170,000
• Delta: -11.94%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 7.9%
• Equity multiple: 1.31×
• Total profit: $14,868
• Equity at exit: $25,348

10-year hold

• IRR: 18.3%
• Equity multiple: 2.61×
• Total profit: $76,674
• Equity at exit: $14,698

Cash invested: $47,600 (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.

Methodology + full state rankings →

ZIP-level market 10708

• Rents YoY: 4.3%
• Active inventory: 245
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $2,352 high
• Mortgage (P&I): −$891
• Tax est. 1.5%: −$212 /mo · $2,550/yr
• Insurance: −$71
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$494
• Net cashflow: $617

Break-even live

Break-even rent $1,571

Max offer price $170,000

Occupancy floor 69%

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	25d	1	0.32mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$2,841	$2.97	2d	16	0.34mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$3,956	$3.90	24d	15	0.34mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$1,850	$2.55	22d	2	0.40mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	21d	1	0.76mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	25d	1	1.05mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	25d	1	1.07mi
277 Bronx River Rd Apt 3M Yonkers, NY	—	1.0	550	$1,700	$3.09	44d	1	1.31mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	25d	1	1.32mi
118 N Columbus Ave Mount Vernon, NY	1.0	1.0	650	$1,700	$2.62	25d	1	1.32mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	1.37mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	44d	1	1.47mi
28 Kenilworth Rd Unit The Cottage Yonkers, NY	1.0	1.0	600	$1,950	$3.25	14d	1	1.47mi

HOA detail condo

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

Listing history 40 events

1. 2026-06-18
   days on market $170,000 Active 53 DOM
2. 2026-06-17
   days on market $170,000 Active 52 DOM
3. 2026-06-16
   days on market $170,000 Active 51 DOM
4. 2026-06-15
   days on market $170,000 Active 50 DOM
5. 2026-06-13
   days on market $170,000 Active 48 DOM
6. 2026-06-09
   days on market $170,000 Active 44 DOM
7. 2026-06-08
   days on market $170,000 Active 43 DOM
8. 2026-06-07
   days on market $170,000 Active 42 DOM
9. 2026-06-04
   days on market $170,000 Active 39 DOM
10. 2026-06-03
    days on market $170,000 Active 38 DOM
11. 2026-06-02
    days on market $170,000 Active 37 DOM
12. 2026-06-01
    days on market $170,000 Active 36 DOM
13. 2026-05-31
    days on market $170,000 Active 35 DOM
14. 2026-05-02
    status Active 630-char remark

    Show marketing remark (630 chars)

    Bright, convenient and renovated! Easily accessible to the Fleetwood metro north station and shopping, this bright and spacious one bedroom apartment with dining area is the perfect investment for all, from downsizers to first time buyers . Immaculate and spacious, the renovated kitchen with new appliances and bright new windowed bathroom are complemented by gleaming hardwood floors and oversized windows. Abundant natural light from windows in every room and ample closet space add to the comfortable ambiance of this special unit. Assigned parking is available. Renting is allowed pending an extended residency requirement.

15. 2026-04-22
    listed $177,500 Active 630-char remark

    Show marketing remark (630 chars)

    Bright, convenient and renovated! Easily accessible to the Fleetwood metro north station and shopping, this bright and spacious one bedroom apartment with dining area is the perfect investment for all, from downsizers to first time buyers . Immaculate and spacious, the renovated kitchen with new appliances and bright new windowed bathroom are complemented by gleaming hardwood floors and oversized windows. Abundant natural light from windows in every room and ample closet space add to the comfortable ambiance of this special unit. Assigned parking is available. Renting is allowed pending an extended residency requirement.

16. 2026-04-21
    historical $177,500 630-char remark

    Show marketing remark (630 chars)

    Bright, convenient and renovated! Easily accessible to the Fleetwood metro north station and shopping, this bright and spacious one bedroom apartment with dining area is the perfect investment for all, from downsizers to first time buyers . Immaculate and spacious, the renovated kitchen with new appliances and bright new windowed bathroom are complemented by gleaming hardwood floors and oversized windows. Abundant natural light from windows in every room and ample closet space add to the comfortable ambiance of this special unit. Assigned parking is available. Renting is allowed pending an extended residency requirement.

17. 2026-04-21
    listed $177,500 Active 630-char remark

    Show marketing remark (630 chars)

    Bright, convenient and renovated! Easily accessible to the Fleetwood metro north station and shopping, this bright and spacious one bedroom apartment with dining area is the perfect investment for all, from downsizers to first time buyers . Immaculate and spacious, the renovated kitchen with new appliances and bright new windowed bathroom are complemented by gleaming hardwood floors and oversized windows. Abundant natural light from windows in every room and ample closet space add to the comfortable ambiance of this special unit. Assigned parking is available. Renting is allowed pending an extended residency requirement.

18. 2018-06-21
    soldstatus $100,000 Sold 276-char remark

    Show marketing remark (276 chars)

    BRIGHT AND SPACIOUS ONE BEDROOM CO-OP IN SOUGHT AFTER BRONX RIVER ROAD. LOVELY ALL BRICK BUILDING THE UNIT DOES NEED SOME TLC. BUT, HAS MUCH POTENTIAL. LIVING ROOM IS SPACIOUS. WALKING DISTANCE TO BRONXVILLE TRAIN STATION. Additional Information: HeatingFuel:Oil Below Ground,

19. 2018-03-13
    historical Pending 276-char remark

    Show marketing remark (276 chars)

    BRIGHT AND SPACIOUS ONE BEDROOM CO-OP IN SOUGHT AFTER BRONX RIVER ROAD. LOVELY ALL BRICK BUILDING THE UNIT DOES NEED SOME TLC. BUT, HAS MUCH POTENTIAL. LIVING ROOM IS SPACIOUS. WALKING DISTANCE TO BRONXVILLE TRAIN STATION. Additional Information: HeatingFuel:Oil Below Ground,

20. 2017-08-23
    listed $100,000 Active 276-char remark

    Show marketing remark (276 chars)

    BRIGHT AND SPACIOUS ONE BEDROOM CO-OP IN SOUGHT AFTER BRONX RIVER ROAD. LOVELY ALL BRICK BUILDING THE UNIT DOES NEED SOME TLC. BUT, HAS MUCH POTENTIAL. LIVING ROOM IS SPACIOUS. WALKING DISTANCE TO BRONXVILLE TRAIN STATION. Additional Information: HeatingFuel:Oil Below Ground,

21. 2017-08-19
    historical
22. 2017-08-10
    status Active
23. 2017-08-01
    historical
24. 2016-12-28
    listed $105,000 Active
25. 2016-09-01
    historical Expired
26. 2016-08-31
    historical
27. 2016-03-01
    listed Active
28. 2016-03-01
    listed $110,000
29. 2014-09-01
    historical Expired
30. 2014-08-31
    historical
31. 2014-06-27
    status Active
32. 2014-06-26
    historical Expired
33. 2014-03-25
    status Active
34. 2014-03-24
    historical Expired
35. 2013-12-23
    status Active
36. 2013-12-22
    historical
37. 2013-08-06
    listed Active
38. 2013-08-06
    listed $105,000
39. 2010-05-11
    listed
40. 2010-05-11
    historical

ⓘ 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 8/10 Severe FEMA zone X (unshaded) · 78% 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: $28,227
• − Mortgage interest: −$9,523
• − Property taxes: −$2,550
• − Insurance: −$1,648
• − Repairs & maintenance: −$2,258
• − Management: −$2,258
• − Depreciation: −$4,945
• Taxable income: $5,045
• Est. tax owed @ 24.0%: −$1,211
• After-tax cash flow: $6,193/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: 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

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 · 709,332 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: 357.0

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: 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

Price history

+69.0% since first listed

27 events — show timeline

• 2026-05-02 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-04-22 Listed $177,500 OneKey® MLS as Distributed by MLS Grid
• 2026-04-21 Coming Soon $177,500 OneKey® MLS as Distributed by MLS Grid
• 2026-04-21 Listed $177,500 OneKey® MLS as Distributed by MLS Grid
• 2018-06-21 Sold (MLS) $100,000 OneKey® MLS as Distributed by MLS Grid
• 2018-03-13 Contingent — OneKey® MLS as Distributed by MLS Grid
• 2017-08-23 Listed $100,000 OneKey® MLS as Distributed by MLS Grid
• 2017-08-19 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2017-08-10 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2017-08-01 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2016-12-28 Listed $105,000 OneKey® MLS as Distributed by MLS Grid
• 2016-09-01 Delisted — HGMLS
• 2016-08-31 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2016-03-01 Listed — HGMLS
• 2016-03-01 Listed $110,000 OneKey® MLS as Distributed by MLS Grid
• 2014-09-01 Delisted — HGMLS
• 2014-08-31 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2014-06-27 Relisted — HGMLS
• 2014-06-26 Delisted — HGMLS
• 2014-03-25 Relisted — HGMLS
• 2014-03-24 Delisted — HGMLS
• 2013-12-23 Relisted — HGMLS
• 2013-12-22 Delisted — HGMLS
• 2013-08-06 Listed — HGMLS
• 2013-08-06 Listed $105,000 OneKey® MLS as Distributed by MLS Grid
• 2010-05-11 Delisted — HGMLS
• 2010-05-11 Listed — HGMLS