30 E Hartsdale Ave Unit 4D · Greenville, NY 10530

$230,000

1 bd · 1.0 ba · 950 sqft · Condo · 198 Days on market

Built 1952 Good condition $242/sqft · at area comps Est $239k · at est. ↓ 8% since listing

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Why this score? — see what drove the C 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 +16.5/30.0
• 1% rule +9.6/10.0
• ARV discount +9.2/15.0
• DSCR +5.1/10.0
• Schools +4.9/10.0
• Condition / age +4.0/5.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Commuter's Dream! A nicely updated Junior 4 apartment! Fourth floor unit, a large co-op in a secure building. Easy 0.4-mile to MetroNorth Hartsdale Station, ~35-min express to Grand Central or super close to Central Ave. for BeeLine express bus to NYC, Yonkers, or White Plains. Close to all major highways, shopping and Hartsdale downtown. Renovated top floor one-bedroom "Junior 4" unit. Large renovated kitchen with all new stainless steel appliances, abundance of cabinets and counters. Kitchen opens up to a formal dining area and a large open living room! A large corner unit with flexibility for a den or office. Updated bath. Many closets throughout apartment. Nice hardwood floor as seen. Building requires 80% carpeting in unit. Priced to sell. Move-in Ready!

Key facts

• Secure building
• Formal dining area
• Built 1952

Tags

• UPDATED JUNIOR 4 APARTMENT
• SECURE BUILDING
• LARGE RENOVATED KITCHEN
• STAINLESS STEEL APPLIANCES
• ABUNDANCE OF CABINETS
• FORMAL DINING AREA

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $230k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $67 ($799/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $230k).
• Recommended offer: $202k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.0% vs local median 3.1% in Greenville — 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 65/100 on livability (#713 in NY) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, schools B+; Watch: amenities F, commute 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.
• Market conditions: 156 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 20d 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 $7k 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 198 days — a 12% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $20k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; HOA is 28% of rent; 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 $202,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 198 days. Have you received any prior offers? Is the seller open to a 12% 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. 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. 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?
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: 1.46% ✓
• Cap rate: 6.99%
• Cash-on-cash: 2.48%
• DSCR: 1.11
• GRM: 5.7

CMA / ARV

• ARV (median comp): $239,265
• List price: $230,000
• Delta: -3.87%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: -14.0%
• Equity multiple: 0.50×
• Total profit: $-32,363
• Equity at exit: $34,294

10-year hold

• IRR: -4.7%
• Equity multiple: 0.69×
• Total profit: $-20,015
• Equity at exit: $19,886

Cash invested: $64,400 (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 10530

• Active inventory: 156
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $3,363 high
• Mortgage (P&I): −$1,206
• Tax est. 1.5%: −$288 /mo · $3,450/yr
• Insurance: −$96
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA est. from 1 same-building comp: −$934
• Vacancy / Maint / Mgmt: −$706
• Net cashflow: $67

Break-even live

Break-even rent $3,278

Max offer price $230,000

Occupancy floor 93%

Sensitivity live

Price	-10% $226	-5% $146	+0% $67	+5% $-13	+10% $-92
Rent	-10% $-199	-5% $-66	+0% $67	+5% $199	+10% $332
Rate	-1.0pp $182	-0.5pp $125	base $67	+0.5pp $7	+1.0pp $-54

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: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
140 E Hartsdale Ave Hartsdale, NY	2.0	1.0	875	$2,895	$3.31	23d	1	0.26mi
250 S Central Ave Apt 3I Hartsdale, NY	2.0	1.0	1000	$4,350	$4.35	45d	1	0.52mi
250 Central Park Ave Unit 5I Hartsdale, NY	2.0	1.0	1000	$4,550	$4.55	18d	1	0.55mi
250 S Central Ave Hartsdale, NY	1.0–2.0	1.0–2.0	1084	$3,000	$2.77	0d	1	0.55mi
55 Fieldstone Dr Unit 69 Hartsdale, NY	1.0	1.0	800	$2,100	$2.62	13d	1	0.89mi
400 High Point Dr Unit 206 Hartsdale, NY	1.0	1.0	987	$3,300	$3.34	45d	1	1.16mi
55 McKinley Ave Unit D2-3 White Plains, NY	1.0	1.0	809	$2,400	$2.97	45d	1	1.23mi
57 Bank St Unit 1040036P White Plains, NY	1.0	1.0	592	$7,170	$12.11	20d	1	1.45mi
57 Bank St Unit 1040035P White Plains, NY	2.0	1.0–2.0	726	$7,940	$10.94	4d	3	1.45mi
55 Bank St White Plains, NY	2.0	1.0–2.0	813	$3,878	$4.77	0d	23	1.46mi

HOA detail condo

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

Listing history 5 events

1. 2026-04-16
   price $230,000 794-char remark

   Show marketing remark (794 chars)

   Commuter's Dream! A nicely updated Junior 4 apartment! Fourth floor unit, a large co-op in a secure building. Easy 0.4-mile to MetroNorth Hartsdale Station, ~35-min express to Grand Central or super close to Central Ave. for BeeLine express bus to NYC, Yonkers, or White Plains. Close to all major highways, shopping and Hartsdale downtown. Renovated top floor one-bedroom "Junior 4" unit. Large renovated kitchen with all new stainless steel appliances, abundance of cabinets and counters. Kitchen opens up to a formal dining area and a large open living room! A large corner unit with flexibility for a den or office. Updated bath. Many closets throughout apartment. Nice hardwood floor as seen. Building requires 80% carpeting in unit. Priced to sell. Move-in Ready!

2. 2026-03-21
   price $240,000 794-char remark

   Show marketing remark (794 chars)

   Commuter's Dream! A nicely updated Junior 4 apartment! Fourth floor unit, a large co-op in a secure building. Easy 0.4-mile to MetroNorth Hartsdale Station, ~35-min express to Grand Central or super close to Central Ave. for BeeLine express bus to NYC, Yonkers, or White Plains. Close to all major highways, shopping and Hartsdale downtown. Renovated top floor one-bedroom "Junior 4" unit. Large renovated kitchen with all new stainless steel appliances, abundance of cabinets and counters. Kitchen opens up to a formal dining area and a large open living room! A large corner unit with flexibility for a den or office. Updated bath. Many closets throughout apartment. Nice hardwood floor as seen. Building requires 80% carpeting in unit. Priced to sell. Move-in Ready!

3. 2026-02-06
   status Active 794-char remark

   Show marketing remark (794 chars)

   Commuter's Dream! A nicely updated Junior 4 apartment! Fourth floor unit, a large co-op in a secure building. Easy 0.4-mile to MetroNorth Hartsdale Station, ~35-min express to Grand Central or super close to Central Ave. for BeeLine express bus to NYC, Yonkers, or White Plains. Close to all major highways, shopping and Hartsdale downtown. Renovated top floor one-bedroom "Junior 4" unit. Large renovated kitchen with all new stainless steel appliances, abundance of cabinets and counters. Kitchen opens up to a formal dining area and a large open living room! A large corner unit with flexibility for a den or office. Updated bath. Many closets throughout apartment. Nice hardwood floor as seen. Building requires 80% carpeting in unit. Priced to sell. Move-in Ready!

4. 2026-02-01
   historical 794-char remark

   Show marketing remark (794 chars)

   Commuter's Dream! A nicely updated Junior 4 apartment! Fourth floor unit, a large co-op in a secure building. Easy 0.4-mile to MetroNorth Hartsdale Station, ~35-min express to Grand Central or super close to Central Ave. for BeeLine express bus to NYC, Yonkers, or White Plains. Close to all major highways, shopping and Hartsdale downtown. Renovated top floor one-bedroom "Junior 4" unit. Large renovated kitchen with all new stainless steel appliances, abundance of cabinets and counters. Kitchen opens up to a formal dining area and a large open living room! A large corner unit with flexibility for a den or office. Updated bath. Many closets throughout apartment. Nice hardwood floor as seen. Building requires 80% carpeting in unit. Priced to sell. Move-in Ready!

5. 2025-10-31
   listed $249,900 Active 794-char remark

   Show marketing remark (794 chars)

   Commuter's Dream! A nicely updated Junior 4 apartment! Fourth floor unit, a large co-op in a secure building. Easy 0.4-mile to MetroNorth Hartsdale Station, ~35-min express to Grand Central or super close to Central Ave. for BeeLine express bus to NYC, Yonkers, or White Plains. Close to all major highways, shopping and Hartsdale downtown. Renovated top floor one-bedroom "Junior 4" unit. Large renovated kitchen with all new stainless steel appliances, abundance of cabinets and counters. Kitchen opens up to a formal dining area and a large open living room! A large corner unit with flexibility for a den or office. Updated bath. Many closets throughout apartment. Nice hardwood floor as seen. Building requires 80% carpeting in unit. Priced to sell. Move-in Ready!

ⓘ 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 9/10 Extreme FEMA zone X (unshaded) · 99% 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 4/10 Moderate 3 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $40,352
• − Mortgage interest: −$12,884
• − Property taxes: −$3,450
• − Insurance: −$1,948
• − Repairs & maintenance: −$3,228
• − Management: −$3,228
• − HOA: −$11,208
• − Depreciation: −$6,691
• Taxable loss: −$2,284
• Est. tax savings @ 24.0%: +$548
• After-tax cash flow: $1,347/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

A well-maintained and updated junior 4 apartment with good condition and minimal repairs needed. The home is move-in ready and has the potential for further value increases through minor updates.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics.
• Both Updating the flooring in the kitchen and bathrooms — New flooring can improve the overall look and feel of the home.
• Both Upgrading the kitchen appliances — Modern appliances can increase the home's appeal and functionality.
• Both Installing new lighting fixtures — New lighting can improve the ambiance and energy efficiency of the home.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Both Updating the flooring in the kitchen and bathrooms — New flooring can improve the overall look and feel of the home. ↑
• Both Upgrading the kitchen appliances — Modern appliances can increase the home's appeal and functionality. ↑
• Both Installing new lighting fixtures — New lighting can improve the ambiance and energy efficiency of the home. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Greenville

• Score: 65/100
• State rank: #713
• US rank: #13570

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Greenville, NY
• 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
▸Financial Services	10	$950B
▸Consumer Goods	9	$162B
▸Insurance	4	$225B
▸Telecommunications	2	$144B
▸Pharmaceuticals	2	$112B
▸Media / Entertainment	2	$69B

Price history

-8.0% since first listed

5 events — show timeline

• 2026-04-16 Price Changed $230,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-21 Price Changed $240,000 OneKey® MLS as Distributed by MLS Grid
• 2026-02-06 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2026-02-01 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2025-10-31 Listed $249,900 OneKey® MLS as Distributed by MLS Grid