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33 Fieldstone Dr Unit D2
F Composite 33.13
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).

  • ARV discount +7.5/15.0
  • Cash flow +5.9/30.0
  • 1% rule +5.9/10.0
  • Schools +4.9/10.0
  • Livability +3.6/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • DSCR +0.3/10.0
  • Appreciation +0.0/10.0

$325,000

33 Fieldstone Dr Unit D2 · White Plains, NY 10530
2 bd · 1.5 ba · 1,100 sqft · Condo · 4 Days on market
Built 1959

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Wish to live near a train station with a 35min commute to GCT and NYC? Want to reside in a neighborhood filled with diverse cuisine dining, fitness centers, cafes, and more? Love beautiful outdoor scenery and activities? How does a playground, in-ground pool and a courtyard for having Summer BBQ’s sound? What about parking and washer/dryer - you ask? LOOK. NO. FURTHER. You can have it all! When entering your new home you are immediately greeted by the warmth of hardwood floors, spacious foyer, and immense natural light. Entertain friends and family indoors and out with a considerably sized living room and glorious courtyard. Abundant storage throughout with vast step-in closets, your family and/or lifestyle can grow with ease. Need a second bedroom or lavish home office - you can now check that off your list. All the comforts of owning a home without all the fuss. You’ll never need to mow the lawn, shovel snow, or rake leaves again. Don’t Hesitate, Book a Tour - Today! Additional Information: Amenities:Storage,

Key facts

  • Parking
  • Community pool
  • Built 1959

Property features AI

Finance

  • HOA & community: Association: Rex Ridge; Monthly association fee; Association covers heat and hot water; Association includes exterior and grounds maintenance, common area maintenance, pool service, sewer and water, trash, snow removal, and landscaping

Exterior

  • Parking: One assigned parking space (monthly fee applies)
  • Utilities: Con Edison electric; Natural gas connected; Public water; Public sewer; Trash collection (public); Cable available
  • Home design: Stock cooperative; Updated/remodeled condition; Two-story building (unit on second floor); Entry on level 2
  • Construction: Brick construction
  • Exterior features: Courtyard; Community playground; Community in-ground pool

Interior

  • Kitchen: Stainless steel appliances; Granite counters; Galley-style layout
  • Bedrooms: Located on second floor
  • Flooring: Hardwood floors
  • Bathrooms: One full bathroom; One half bathroom
  • Heating & cooling: Natural gas heating; Wall/window air conditioning units
  • Interior features: Ceiling fans; Entrance foyer; Formal dining area; Galley-style kitchen; Granite counters; His and hers closets; Primary bathroom; Recessed lighting; Walk-up building
  • Laundry & utility: In-unit laundry

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.5-bath condo listed at $325k.

Deal economics

  • At list price, monthly cash flow is $-629 ($-8k/yr) — negative.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $325k).

Location & tenants

  • Location reads 71/100 on livability (#410 in NY) — a middle-class / working-renter tenant base. Strengths: commute A+, employment A+, crime A-; Watch: amenities F, cost of living F.
  • Greenburgh Central School District (suburban): math 51% / reading 55% proficiency, ranked #267 of 590 in NY (top 45%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Early Childhood Program (128 students, 0% FRL); Woodlands Middle/High School (math 62% / reading 52%, grade C, #887 of 1,100 statewide, top 82%, 681 students, 66% FRL).
  • Market conditions: 156 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
  • Westchester County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • Only 4 days on market — expect competitive offers; lowballing is unlikely to land.
  • 6 sale attempts since 24y ago; this cycle's ask is 38% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
  • Current owner paid $243k; 34% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

  • Watch-outs: HOA is 33% of rent; built in 1959 — expect roof / HVAC / electrical / plumbing capex.
  • 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 $325,000

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  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. 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?
  7. 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.
  8. 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.
  9. 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
1.09%
Cap rate
3.97%
Cash-on-cash
-8.29%
DSCR
0.63
GRM
7.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
-30.5%
Equity multiple
-0.01×
Total profit
$-91,935
Equity at exit
$48,459
10-year hold
IRR
-31.1%
Equity multiple
-0.41×
Total profit
$-128,468
Equity at exit
$28,100

Cash invested: $91,000 (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.

ZIP-level market 10530

Active inventory
156
Price-to-rent
7.7×

Monthly cashflow live

Estimated rent
$3,537 high interval (Pro) →
Mortgage (P&I)
$1,704
Tax est. 1.5%
$406 /mo · $4,875/yr
Insurance
$135
HOA est. from 1 same-building comp
$1,177
Vacancy / Maint / Mgmt
$743
Net cashflow
$-629

Break-even live

Break-even rent $4,333
Max offer price $234,013
Occupancy floor

Sensitivity live

Price -10% $-404 -5% $-516 +0% $-629 +5% $-741 +10% $-853
Rent -10% $-908 -5% $-768 +0% $-629 +5% $-489 +10% $-349
Rate -1.0pp $-465 -0.5pp $-546 base $-629 +0.5pp $-713 +1.0pp $-799

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
$81,250
Closing costs
$9,750
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 34 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
55 Fieldstone Dr Unit 69 Hartsdale, NY 1.0 1.0 800 $2,100 $2.62 12d 1 0.09mi
400 High Point Dr Unit 206 Hartsdale, NY 1.0 1.0 987 $3,300 $3.34 44d 1 0.27mi
55 McKinley Ave Unit D2-3 White Plains, NY 1.0 1.0 809 $2,400 $2.97 44d 1 0.55mi
9 Ridgeview Ave White Plains, NY 3.0 1.0 1500 $3,500 $2.33 25d 1 0.94mi
55 Bank St White Plains, NY 2.0 1.0–2.0 813 $5,418 $6.66 0d 23 0.95mi
57 Bank St Unit 1040035P White Plains, NY 2.0 1.0–2.0 726 $9,348 $12.88 3d 3 0.96mi
15 Bank St White Plains, NY 1.0–2.0 1.0–2.0 934 $5,064 $5.42 2d 20 0.97mi
1 Martine Ave White Plains, NY 1.0–2.0 1.0–2.0 827 $4,295 $5.19 2d 12 1.02mi
25 N Lexington Ave White Plains, NY 3.0 1.0–2.0 988 $6,149 $6.22 0d 25 1.03mi
34 S Lexington Ave White Plains, NY 1.0–2.0 1.0–2.0 871 $4,195 $4.82 5d 6 1.06mi
4 Martine Ave White Plains, NY 1.0 1.0–1.5 773 $2,900 $3.75 44d 2 1.07mi
4 Martine Ave White Plains, NY 1.0 1.0–1.5 773 $2,850 $3.69 13d 2 1.07mi
4 Martine Ave White Plains, NY 1.0 1.0–1.5 773 $3,025 $3.91 19d 2 1.07mi
4 Martine Ave White Plains, NY 1.0 1.0 707 $2,750 $3.89 3d 1 1.07mi
26 Hillside Ter Unit F White Plains, NY 1.0 1.0 782 $2,700 $3.45 44d 1 1.10mi
26 Fairview Ave White Plains, NY 3.0 1.5 1100 $3,600 $3.27 44d 1 1.12mi
140 E Hartsdale Ave Hartsdale, NY 2.0 1.0 875 $2,895 $3.31 22d 1 1.17mi
846 Hartsdale Rd White Plains, NY 3.0 2.5 1500 $5,200 $3.47 18d 1 1.21mi
27 Barker Ave White Plains, NY 2.0 1.0–2.0 1131 $5,391 $4.76 0d 18 1.29mi
1 Renaissance Sq Unit 7B White Plains, NY 1.0 1.5 1048 $5,500 $5.25 44d 1 1.34mi
290 E Main St Elmsford, NY 1.0–2.0 1.0–2.0 1077 $4,107 $3.81 0d 6 1.38mi
42 Barker Ave Unit 4C White Plains, NY 1.0 1.0 800 $2,300 $2.88 44d 1 1.41mi
250 S Central Ave Apt 3I Hartsdale, NY 2.0 1.0 1000 $4,350 $4.35 44d 1 1.42mi
250 S Central Ave Apt 4A Hartsdale, NY 2.0 1.0 1289 $4,350 $3.37 17d 1 1.42mi
55 N Broadway Unit 3-15H White Plains, NY 2.0 2.5 1310 $3,850 $2.94 44d 1 1.43mi
37 Lake St White Plains, NY 1.0–2.0 1.0 685 $3,240 $4.73 44d 1 1.44mi
250 Central Park Ave Unit 5I Hartsdale, NY 2.0 1.0 1000 $4,550 $4.55 18d 1 1.44mi
250 S Central Ave Hartsdale, NY 1.0–2.0 1.0–2.0 1084 $5,500 $5.07 0d 1 1.45mi
115 N Broadway White Plains, NY 2.0 2.5 1450 $3,750 $2.59 44d 1 1.47mi
13 Granada Cres #1 White Plains, NY 2.0 2.0 1100 $3,500 $3.18 25d 1 1.48mi
131 Mamaroneck Ave White Plains, NY 3.0 1.0–2.0 974 $5,072 $5.21 0d 17 1.48mi
10 City Pl Unit 2D White Plains, NY 1.0 1.5 1069 $3,895 $3.64 16d 1 1.50mi
440 Hamilton Ave White Plains, NY 2.0 1.0–2.0 880 $5,554 $6.31 0d 31 1.50mi
234 Martine Ave White Plains, NY 3.0 2.0 1460 $4,195 $2.87 24d 1 1.50mi

HOA detail condo

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

Listing history 23 events

  1. 2026-06-17
    status $325,000 Pending 4 DOM
  2. 2026-06-01
    days on market $325,000 Active 4 DOM
  3. 2026-05-31
    days on market $325,000 Active 3 DOM
  4. 2026-05-21
    historical $325,000
  5. 2019-09-16
    soldstatus $243,000 Sold 1045-char remark
    Show marketing remark (1045 chars)

    Wish to live near a train station with a 35min commute to GCT and NYC? Want to reside in a neighborhood filled with diverse cuisine dining, fitness centers, cafes, and more? Love beautiful outdoor scenery and activities? How does a playground, in-ground pool and a courtyard for having Summer BBQ’s sound? What about parking and washer/dryer - you ask? LOOK. NO. FURTHER. You can have it all! When entering your new home you are immediately greeted by the warmth of hardwood floors, spacious foyer, and immense natural light. Entertain friends and family indoors and out with a considerably sized living room and glorious courtyard. Abundant storage throughout with vast step-in closets, your family and/or lifestyle can grow with ease. Need a second bedroom or lavish home office - you can now check that off your list. All the comforts of owning a home without all the fuss. You’ll never need to mow the lawn, shovel snow, or rake leaves again. Don’t Hesitate, Book a Tour - Today! Additional Information: Amenities:Storage,

  6. 2019-05-31
    status Pending 1045-char remark
    Show marketing remark (1045 chars)

    Wish to live near a train station with a 35min commute to GCT and NYC? Want to reside in a neighborhood filled with diverse cuisine dining, fitness centers, cafes, and more? Love beautiful outdoor scenery and activities? How does a playground, in-ground pool and a courtyard for having Summer BBQ’s sound? What about parking and washer/dryer - you ask? LOOK. NO. FURTHER. You can have it all! When entering your new home you are immediately greeted by the warmth of hardwood floors, spacious foyer, and immense natural light. Entertain friends and family indoors and out with a considerably sized living room and glorious courtyard. Abundant storage throughout with vast step-in closets, your family and/or lifestyle can grow with ease. Need a second bedroom or lavish home office - you can now check that off your list. All the comforts of owning a home without all the fuss. You’ll never need to mow the lawn, shovel snow, or rake leaves again. Don’t Hesitate, Book a Tour - Today! Additional Information: Amenities:Storage,

  7. 2019-04-25
    listed $235,000 Active 1045-char remark
    Show marketing remark (1045 chars)

    Wish to live near a train station with a 35min commute to GCT and NYC? Want to reside in a neighborhood filled with diverse cuisine dining, fitness centers, cafes, and more? Love beautiful outdoor scenery and activities? How does a playground, in-ground pool and a courtyard for having Summer BBQ’s sound? What about parking and washer/dryer - you ask? LOOK. NO. FURTHER. You can have it all! When entering your new home you are immediately greeted by the warmth of hardwood floors, spacious foyer, and immense natural light. Entertain friends and family indoors and out with a considerably sized living room and glorious courtyard. Abundant storage throughout with vast step-in closets, your family and/or lifestyle can grow with ease. Need a second bedroom or lavish home office - you can now check that off your list. All the comforts of owning a home without all the fuss. You’ll never need to mow the lawn, shovel snow, or rake leaves again. Don’t Hesitate, Book a Tour - Today! Additional Information: Amenities:Storage,

  8. 2016-08-16
    soldstatus $213,000 Sold 997-char remark
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  9. 2016-08-16
    price $213,000 997-char remark
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  10. 2016-08-16
    soldstatus $213,000
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  11. 2016-04-14
    historical Pending 997-char remark
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  12. 2016-04-14
    price $218,000 997-char remark
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  13. 2016-01-15
    listed $218,000 Active 997-char remark
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  14. 2016-01-15
    listed $218,000
    Show marketing remark (997 chars)

    Move right in to this renovated top floor end unit with its own washer/dryer. Classic white kitchen with gas cooking has a window overlooking courtyard. Oversized living room has abundant space, where two seating areas can be set up. Dining room can accommodate a large table. Master bedroom has two closets and the master powder room. Beautiful hardwood floors, lots of windows, large walk-in storage closet in the hallway plus five more closets in this apartment. East-South-West exposures mean plenty of sunlight. Choice of Verizon or Cablevision. Currently there are assigned parking spaces available, so no waitlist for parking. Enjoy the large courtyard and set up your table/chairs in the summertime and cook on your own BBQ. Friendly complex has children's playground and in the summer, a great pool with lifeguard. You even get re-useable pool passes for your guests. STAR reduction is $109/month, if applicable. Enjoy Greenburgh Recreation, Webb Field, Hart's Brook and Ridge Road parks.

  15. 2007-06-13
    soldstatus $255,000
  16. 2007-03-13
    price $265,000
  17. 2007-03-13
    historical
  18. 2006-10-24
    listed $255,000
  19. 2006-09-15
    historical
  20. 2006-06-16
    listed
  21. 2002-12-03
    soldstatus $165,000
  22. 2002-09-13
    historical
  23. 2002-05-03
    listed $165,000

ⓘ 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 5/10 Major 7 d/yr ≥98°F today · 15 d/yr by 30 yrs out
  • 💨 Wind 6/10 Major 27% chance of damaging wind over 30 yrs
  • 🫁 Air quality 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$42,444
− Mortgage interest
−$18,205
− Property taxes
−$4,875
− Insurance
−$1,625
− Repairs & maintenance
−$3,396
− Management
−$3,396
− HOA
−$14,124
− Depreciation
−$9,455
Taxable loss
−$12,631
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,031
After-tax cash flow
$-4,514/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
Greenburgh Central School District
NCES district ID
3612720
Math proficiency
51% ▲ 4.00%
Reading proficiency
55% ▲ 5.00%
Median HH income
$93,626
Composite
49.43/100
National rank
#2005
State rank
#267 of 590 in NY

Livability — White Plains

Score
71/100
State rank
#410
US rank
#6801

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

City population
61,281
Population (ZIP)
13,955

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 (68%)
Race & ethnicity
White 68% Hispanic / Latino 12% Asian 10% Two or more races 9% Black 7%
Hispanic origin (detail)
Mexican 2% Puerto Rican 4% Dominican 2%
Common ancestry
Romanian 9% Scotch-Irish 5% Italian 2%
Foreign-born
23% · Canada, China, South Korea
Languages at home
71% English-only · Spanish 9% Other Indo-European 6% Russian/Polish/Slavic 5%

Political lean MEDSL · Westchester

2024 margin
Strong D (+26.3) · D 63.1% · R 36.9%
2008→2024 swing
-1.3pp toward R · 2008: 27.6pp · 2024: 26.3pp
All cycles
2024: D+26.3 2020: D+36.3 2016: D+32.8 2012: D+22.2 2008: D+27.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -616.16%
Current HPI
320.7324
Rent YoY
Metro
State GDP YoY
▲ 2.60%
F500 in state
92

Industry mix (Fortune 500 HQ in NY)

Industry F500 HQs Revenue

Price history

+97.0% since first listed
20 events — show timeline
  • 2026-05-21 Coming Soon $325,000 OneKey® MLS as Distributed by MLS Grid
  • 2019-09-16 Sold (MLS) $243,000 OneKey® MLS as Distributed by MLS Grid
  • 2019-05-31 Pending OneKey® MLS as Distributed by MLS Grid
  • 2019-04-25 Listed $235,000 OneKey® MLS as Distributed by MLS Grid
  • 2016-08-16 Price Changed $213,000 HGMLS
  • 2016-08-16 Sold (MLS) $213,000 HGMLS
  • 2016-08-16 Sold (MLS) $213,000 OneKey® MLS as Distributed by MLS Grid
  • 2016-04-14 Contingent HGMLS
  • 2016-04-14 Price Changed $218,000 HGMLS
  • 2016-01-15 Listed $218,000 HGMLS
  • 2016-01-15 Listed $218,000 OneKey® MLS as Distributed by MLS Grid
  • 2007-06-13 Sold (MLS) $255,000 HGMLS
  • 2007-03-13 Delisted HGMLS
  • 2007-03-13 Price Changed $265,000 HGMLS
  • 2006-10-24 Listed $255,000 HGMLS
  • 2006-09-15 Delisted HGMLS
  • 2006-06-16 Listed HGMLS
  • 2002-12-03 Sold (MLS) $165,000 HGMLS
  • 2002-09-13 Delisted HGMLS
  • 2002-05-03 Listed $165,000 HGMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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