255 Bronx River Rd Unit 7L · Yonkers, NY 10704

$139,000

1 bd · 1.0 ba · 775 sqft · Townhouse · 7 Days on market

Built 1970 Good condition Garage ↓ 21% since listing

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Why this score? — see what drove the A- 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 +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +5.9/10.0
• Rent growth +5.0/5.0
• Condition / age +4.0/5.0
• Livability +3.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Beautifully Renovated Sponsor Unit One Bedroom Apartment in Desirable Wakefield Park Section of Yonkers ~ Entrance Foyer to Totally Remodeled and Opened Modern Kitchen with New Appliances and Dishwasher ~ New Soft Close Cabinets and Great Counter Space ~ Spacious Living Room with Treetop Views ~ Hardwood Floors and Great Cross Light ~ Generous Bedroom with Double Closets ~ Totally Renovated Bathroom with Shower/Tub Combination ~ Full Laundry in Building ~ Monthly Maintenance Includes Heat - Hot Water - Cooking Gas ~ Empire Gardens is a Co-op Building however Board Approval is Not Required ~ Short Walk to Mount Vernon West or Wakefield Train Station ~ 25 Minutes to Mid-Town Manhattan ~ Close

Key facts

• Treetop views
• Renovated bathroom
• Double closets

Tags

• RENOVATED KITCHEN
• TREETOP VIEWS
• DOUBLE CLOSETS
• RENOVATED BATHROOM
• FULL LAUNDRY
• SHORT WALK TO TRAIN STATION

🏢 Co-op / cooperative unit. The $139,000 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath townhouse listed at $139k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $862 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $139k).
• Cap rate 14.2% vs local median 5.1% 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 (+21.0%/yr); 295 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 95d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 72% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 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 $961 of loan paydown is wiped out by about $4k 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 + 8.0% rent growth), your $39k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $56/mo.
• 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 $139,000

Questions for the listing agent

1. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.71% ✓
• Cap rate: 14.21%
• Cash-on-cash: 28.28%
• DSCR: 2.26
• GRM: 4.9

CMA / ARV

• ARV (median comp): $170,638
• List price: $139,000
• Delta: -18.54%
• 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
245 Bronx River Rd Bronx River Rd Unit 3E	0.01mi	1/1.0	762 (-2%)	4mo	$150,000	$197	94
255 Bronx River Rd Unit 3K	0.00mi	1/1.0	825 (+6%)	5mo	$155,500	$188	85
1122 Yonkers Ave Unit 6F	0.28mi	1/1.0	750 (-3%)	1mo	$160,000	$213	81
20 Secor Unit 6U	0.24mi	1/1.0	750 (-3%)	6mo	$168,000	$224	79
85 Bronx River Rd Unit 2K	0.39mi	1/1.0	800 (+3%)	1mo	$176,000	$220	76
85 Bronx River Road Rd Unit 3S	0.39mi	1/1.0	815 (+5%)	3mo	$181,000	$222	71
333 Bronx River Rd #624	0.15mi	1/1.0	875 (+13%)	3mo	$180,000	$206	69
355 Bronx River Rd Unit 1i	0.23mi	1/1.0	850 (+10%)	5mo	$160,000	$188	69
125 Bronx River Rd Unit 2C	0.31mi	1/1.0	860 (+11%)	0mo	$199,000	$231	67
485 Bronx River Rd Unit C62	0.56mi	1/1.0	800 (+3%)	4mo	$190,000	$238	65
475 Bronx River Rd Unit 6C	0.52mi	1/1.0	850 (+10%)	4mo	$176,000	$207	56
4380 Vireo Ave Unit 1F	0.69mi	1/1.0	850 (+10%)	2mo	$149,000	$175	50

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 26.1%
• Equity multiple: 2.16×
• Total profit: $44,988
• Equity at exit: $20,725

10-year hold

• IRR: 36.8%
• Equity multiple: 5.30×
• Total profit: $167,301
• Equity at exit: $12,018

Cash invested: $38,920 (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

Westchester rent guidelines board.

Methodology + full state rankings →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 25 active · 29 under contract
• Months of supply: 7.9 mo (13%/mo absorbed)
• Median asking: $169,000 ($219/sqft)
• Median days on market: 100 d
• This list price: 4% of active listings are priced below it
• ARV vs active asking: +0.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 10704

• Rents YoY: 21.0%
• Active inventory: 295
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $2,377 high
• Mortgage (P&I): −$729
• Tax est. 1.5%: −$174 /mo · $2,085/yr
• Insurance: −$58
• Flood insurance flood zone: −$56 /mo · $666/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$499
• Net cashflow: $862

Break-even live

Break-even rent $1,286

Max offer price $139,000

Occupancy floor 59%

Sensitivity live

Price	-10% $958	-5% $910	+0% $862	+5% $814	+10% $766
Rent	-10% $674	-5% $768	+0% $862	+5% $956	+10% $1,049
Rate	-1.0pp $932	-0.5pp $897	base $862	+0.5pp $826	+1.0pp $789

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: $34,750
• Closing costs: $4,170
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,300	$2.88	7d	1	0.03mi
277 Bronx River Rd Apt 3M Yonkers, NY	—	1.0	550	$1,700	$3.09	184d	1	0.07mi
59 Laurel Pl #1 Yonkers, NY	1.0	1.0	550	$2,200	$4.00	3d	1	0.11mi
111 Hart Ave Yonkers, NY	2.0	1.0	800	$2,800	$3.50	10d	1	0.13mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	184d	1	0.18mi
135 Wakefield Ave Yonkers, NY	1.0–2.0	1.0	835	$2,595	$3.11	10d	3	0.27mi
52 Yonkers Ter Unit 7k Yonkers, NY	1.0	1.0	690	$1,750	$2.54	37d	1	0.29mi
52 Yonkers Ter Apt 6H Yonkers, NY	1.0	1.0	750	$1,975	$2.63	96d	1	0.29mi
52 Yonkers Ter Apt 6H Yonkers, NY	1.0	1.0	750	$2,000	$2.67	10d	1	0.29mi
105 Wakefield Ave Unit 3 Yonkers, NY	2.0	1.0	1000	$2,500	$2.50	67d	1	0.34mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	184d	1	0.35mi
411 Bronx River Rd Unit 9A Yonkers, NY	1.0	1.0	800	$2,295	$2.87	85d	1	0.36mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	165d	1	0.37mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	1d	1	0.37mi
4568 Bronx Blvd Unit 2 Bronx, NY	2.0	1.0	750	$3,200	$4.27	0d	1	0.40mi
137 Woodlawn Ave Yonkers, NY	1.0	1.0	600	$2,100	$3.50	67d	1	0.42mi
14 S High St Mount Vernon, NY	2.0	1.0	800	$2,600	$3.25	57d	1	0.43mi
29 S 15th Ave Unit 1 Mt Vernon, NY	2.0	1.0	952	$2,650	$2.78	109d	1	0.46mi
4 N Bleeker St Fl 4 Mt Vernon, NY	2.0	1.0	800	$2,000	$2.50	130d	1	0.50mi
34 N Terrace Ave Unit 2nd floor Mt Vernon, NY	2.0	1.0	800	$3,000	$3.75	109d	1	0.51mi
34 N Terrace Ave Unit 2ndFL Mt Vernon, NY	2.0	1.0	800	$3,000	$3.75	81d	1	0.51mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	165d	1	0.55mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	165d	1	0.56mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,700	$2.00	124d	1	0.58mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	154d	1	0.60mi
44 N Bond St Unit 1 Mt Vernon, NY	2.0	1.0	1100	$2,900	$2.64	131d	1	0.60mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	184d	1	0.63mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,500	$3.57	10d	1	0.68mi
206 N Terrace Ave Unit 3 Mt Vernon, NY	1.0	1.0	700	$2,000	$2.86	49d	1	0.69mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	165d	1	0.69mi
49 S 10th Ave Mount Vernon, NY	2.0	1.0	800	$2,950	$3.69	10d	1	0.70mi
158 S 11th Ave Mount Vernon, NY	—	1.0	900	$1,700	$1.89	57d	1	0.71mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	184d	1	0.71mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	159d	1	0.71mi
58 S 9th Ave Mount Vernon, NY	1.0	1.0	600	$2,300	$3.83	10d	1	0.73mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	152d	1	0.75mi
249 N MacQuesten Pkwy #2 Mt Vernon, NY	2.0	1.0	780	$2,800	$3.59	67d	1	0.79mi
4369 Furman Ave Bronx, NY	1.0	1.0	553	$2,000	$3.62	9d	1	0.80mi
18 N 6th Ave Unit 2 Mt Vernon, NY	2.0	2.0	850	$2,450	$2.88	95d	1	0.87mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	161d	1	0.87mi

Property features AI

Finance

• HOA & community: Pets not allowed

Exterior

• Parking: Garage with 20 spacesOn-street parkingParking lotWaitlist for parking
• Security: Building securitySmoke detectors
• Utilities: Public sewerPublic trash collectionCon Edison electric service
• Home design: Stock cooperative8 storiesEntry on the 7th floor
• Construction: Brick construction
• Exterior features: ViewsNear public transitNear shops

Interior

• Kitchen: DishwasherGas ovenRefrigerator
• Flooring: Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Oil heating
• Interior features: Elevator
• Laundry & utility: Laundry room

Listing history 26 events

1. 2026-11-08
   days on market $139,000 Active 7 DOM
2. 2026-11-07
   days on market $139,000 Active 6 DOM
3. 2026-11-06
   days on market $139,000 Active 5 DOM
4. 2026-11-05
   days on market $139,000 Active 4 DOM
5. 2026-11-04
   days on market $139,000 Active 3 DOM
6. 2026-11-02
   pricestatusdays on marketlisting id $139,000 Active 1 DOM
7. 2026-09-24
   statusdays on market $159,000 Pending 20 DOM
8. 2026-09-23
   days on market $159,000 Active 19 DOM
9. 2026-09-22
   days on market $159,000 Active 18 DOM
10. 2026-09-21
    days on market $159,000 Active 17 DOM
11. 2026-09-20
    days on market $159,000 Active 16 DOM
12. 2026-09-19
    days on market $159,000 Active 15 DOM
13. 2026-09-18
    days on market $159,000 Active 14 DOM
14. 2026-09-17
    days on market $159,000 Active 13 DOM
15. 2026-09-16
    days on market $159,000 Active 12 DOM
16. 2026-09-15
    days on market $159,000 Active 11 DOM
17. 2026-09-14
    days on market $159,000 Active 10 DOM
18. 2026-09-13
    days on market $159,000 Active 9 DOM
19. 2026-09-12
    days on market $159,000 Active 8 DOM
20. 2026-09-11
    days on market $159,000 Active 7 DOM
21. 2026-09-05
    days on market $159,000 Active 2 DOM
22. 2026-09-04
    statusdays on marketlisting id $159,000 Active 1 DOM
23. 2026-05-07
    status Active 966-char remark
24. 2026-03-20
    status Pending 966-char remark
25. 2026-01-26
    price $159,000 966-char remark
26. 2026-01-12
    listed $175,000 Active 966-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 10/10 Extreme FEMA zone X (unshaded) · 99% 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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,524
• − Mortgage interest: −$7,786
• − Property taxes: −$2,085
• − Insurance: −$1,362
• − Repairs & maintenance: −$2,282
• − Management: −$2,282
• − Depreciation: −$4,044
• Taxable income: $8,684
• Est. tax owed @ 24.0%: −$2,084
• After-tax cash flow: $8,256/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

Good 80/100 Cosmetic rehab Est. rehab $3,875–$11,625 screening

This fully renovated one-bedroom apartment in Empire Gardens is move-in ready with modern updates and ample natural light.

Value-add opportunities

• Both Painting exterior — Enhances curb appeal and resale value ↑
• Both Landscaping — Improves curb appeal and rental value ↑
• Both New flooring in kitchen — Enhances kitchen aesthetics and resale value ↑

ⓘ 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.

D Composite school gradezoned avg 58/100

Zoned Schools

Elementary Yonkers Early Childhood Academy Middle Yonkers Middle School F NY #587/729 Nat'l #9,793/14,009 High Yonkers High School A+ NY #238/1,100 Nat'l #387/17,239

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

C Composite livability gradescore 68/100

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 · 1,028,035 people
• City population: 212,407
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• Population (ZIP): 31,921
• Household income: $106,786
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 10% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 50% Hispanic / Latino 32% Two or more races 15% Black 7% Asian 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 11% Cuban 2% Dominican 9%
• Languages at home: 54% English-only · Spanish 25% Other Indo-European 13% Russian/Polish/Slavic 2%

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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: ▼ -466.66%
• Current HPI: 293.4414
• Rent YoY: ▲ 21.03%
• Metro: New York-Newark-Jersey City, NY-NJ-PA
• State GDP YoY: ▲ 2.60%
• F500 in state: 92

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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

Property features AI

Finance

• HOA & community: Pets not allowed

Exterior

• Parking: Garage with 20 spacesOn-street parkingParking lotWaitlist for parking
• Security: Building securitySmoke detectors
• Utilities: Public sewerPublic trash collectionCon Edison electric service
• Home design: Stock cooperative8 storiesEntry on the 7th floor
• Construction: Brick construction
• Exterior features: ViewsNear public transitNear shops

Interior

• Kitchen: DishwasherGas ovenRefrigerator
• Flooring: Hardwood
• Bathrooms: 1 full bathroom
• Heating & cooling: Oil heating
• Interior features: Elevator
• Laundry & utility: Laundry room

Price history

-20.6% since first listed

5 events — show timeline

• 2026-11-01 Listed $139,000 OneKey® MLS as Distributed by MLS Grid
• 2026-10-28 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2026-09-02 Listed $159,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $159,000 OneKey® MLS as Distributed by MLS Grid
• 2026-01-12 Listed $175,000 OneKey® MLS as Distributed by MLS Grid