333 Bronx River Rd #707 · Yonkers, NY 10704

$175,000

1 bd · 1.0 ba · 750 sqft · Condo · 108 Days on market

Built 1966 $233/sqft · at area comps Est $168k · at est.

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Why this score? — see what drove the D 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 +11.1/30.0
• 1% rule +8.7/10.0
• ARV discount +5.8/15.0
• Rent growth +5.0/5.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• DSCR +3.2/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 333 Bronx River rd ,1 bedroom ,1 bedroom co op in the heart of Yonkers.Step into welcome open floor plan with all natural light ,Nestled in well-maintained complex with a playground .Close to all transportation ,Train .30 minutes from Grand Station by Metro North Train conveniently to the bus stop ,shopping, schools . Board requires 20% down payment .

Key facts

• Open floor plan
• Natural light
• Shopping

Tags

• OPEN FLOOR PLAN
• NATURAL LIGHT
• WELL-MAINTAINED COMPLEX
• CLOSE TO TRANSPORTATION
• SHOPPING
• SCHOOLS

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $175k.

Deal economics

• At list price, monthly cash flow is $-70 ($-842/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $159k (9.0% below list) — sets the bar for market timing.

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 (+21.0%/yr); 165 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $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 + 8.0% rent growth), your $49k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 108 days — a 9% lower offer ($159k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 16y ago; this cycle's ask is 92493% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $127k; 38% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 31% of rent.
• Climate carrying-cost: major 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 $159,250 (9.0% 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 108 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
3. Built in 1966 — 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: 1.37% ✓
• Cap rate: 5.81%
• Cash-on-cash: -1.72%
• DSCR: 0.92
• GRM: 6.1

CMA / ARV

• ARV (median comp): $168,490
• List price: $175,000
• Delta: 3.86%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -10.2%
• Equity multiple: 0.60×
• Total profit: $-19,706
• Equity at exit: $26,093

10-year hold

• IRR: 7.4%
• Equity multiple: 1.75×
• Total profit: $36,559
• Equity at exit: $15,131

Cash invested: $49,000 (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 10704

• Rents YoY: 21.0%
• Active inventory: 165
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $2,389 high
• Mortgage (P&I): −$918
• Tax est. 1.5%: −$219 /mo · $2,625/yr
• Insurance: −$73
• HOA est. from 1 same-building comp: −$748
• Vacancy / Maint / Mgmt: −$502
• Net cashflow: $-70

Break-even live

Break-even rent $2,478

Max offer price $164,846

Occupancy floor 98%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
277 Bronx River Rd Apt 3M Yonkers, NY	—	1.0	550	$1,700	$3.09	44d	1	0.09mi
255 Bronx River Rd Unit 4R Yonkers, NY	1.0	1.0	800	$2,250	$2.81	24d	1	0.14mi
20 Overhill Pl Unit 3 Yonkers, NY	2.0	1.0	800	$3,000	$3.75	44d	1	0.20mi
216 1st St Unit 1 Yonkers, NY	1.0	1.0	600	$2,000	$3.33	44d	1	0.28mi
2325 Cortlandt St Unit 4 Mt Vernon, NY	2.0	1.0	700	$2,300	$3.29	24d	1	0.37mi
135 Wakefield Ave Yonkers, NY	2.0	1.0	850	$3,000	$3.53	44d	2	0.41mi
18 N Bond St Unit 3D Mt Vernon, NY	1.0	1.0	750	$2,000	$2.67	24d	1	0.47mi
13 N Bond St Mount Vernon, NY	1.0	1.0	600	$1,785	$2.98	24d	1	0.48mi
32 N Bond St Mount Vernon, NY	1.0	1.0	850	$1,900	$2.24	7d	1	0.49mi
495 Kimball Ave Unit First Floor Yonkers, NY	2.0	1.0	1100	$3,000	$2.73	44d	1	0.50mi
86 Edgewood Ave Apt 2E Yonkers, NY	2.0	1.0	1000	$2,599	$2.60	19d	1	0.57mi
86 Edgewood Ave Unit 2W Yonkers, NY	2.0	1.0	1000	$2,699	$2.70	44d	1	0.57mi
14 Elm St Unit 2 Mt Vernon, NY	2.0	1.0	1000	$2,800	$2.80	24d	1	0.58mi
119 S 13th Ave Mount Vernon, NY	2.0	1.0	800	$2,997	$3.75	13d	1	0.60mi
142 Trenchard St Unit 2E Yonkers, NY	1.0	1.0	900	$2,250	$2.50	11d	1	0.65mi
119 S 11th Ave Unit 1 Mt Vernon, NY	2.0	1.0	700	$2,800	$4.00	11d	1	0.67mi
103 North St Mount Vernon, NY	1.0	1.0	720	$1,900	$2.64	21d	1	0.75mi
230 N 7th Ave Unit 2 Mt Vernon, NY	1.0	1.0	950	$2,300	$2.42	10d	1	0.82mi
200 Crescent Pl Unit 2nd fl Yonkers, NY	1.0	1.0	800	$2,300	$2.88	17d	1	0.85mi
12 Putnam St Mount Vernon, NY	2.0	1.0	950	$2,600	$2.74	24d	1	0.85mi
671 Bronx River Rd Unit 3A Yonkers, NY	2.0	1.5	950	$3,000	$3.16	24d	1	0.89mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	17d	1	0.91mi
150 S 6th Ave Unit 2 Mt Vernon, NY	1.0	1.0	800	$2,500	$3.12	7d	1	0.91mi
33 William St Mount Vernon, NY	1.0–2.0	1.0	725	$1,850	$2.55	22d	2	1.15mi
645 N MacQuesten Pkwy Unit 3G Mt Vernon, NY	2.0	1.0	950	$3,195	$3.36	24d	1	1.18mi
257 S 2nd Ave Mount Vernon, NY	1.0	1.0	800	$2,250	$2.81	24d	1	1.20mi
675 McLean Ave Unit 006H Yonkers, NY	1.0	1.0	577	$2,071	$3.59	5d	1	1.20mi
669 N Terrace Ave Mount Vernon, NY	1.0	1.0	750	$2,031	$2.71	24d	1	1.26mi
7 Monroe St Unit 3A Mt Vernon, NY	2.0	1.0	600	$2,200	$3.67	19d	1	1.27mi
80 W Grand St Mount Vernon, NY	1.0	1.0	850	$1,942	$2.28	24d	1	1.27mi
23 Alida St Unit 2s Yonkers, NY	2.0	1.0	1000	$2,900	$2.90	24d	1	1.29mi
429 S 3rd Ave Mount Vernon, NY	1.0	1.0	600	$2,300	$3.83	4d	1	1.34mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	1014	$3,956	$3.90	24d	15	1.35mi
42 Broad St W Mount Vernon, NY	3.0	1.0–2.0	955	$2,841	$2.97	2d	16	1.35mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	24d	1	1.42mi
594 Yonkers Ave Unit 5 Yonkers, NY	2.0	1.0	900	$2,500	$2.78	44d	1	1.42mi
148 Claremont Ave Mount Vernon, NY	2.0	1.0	960	$2,400	$2.50	19d	1	1.44mi

HOA detail condo

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

Listing history 45 events

1. 2026-06-18
   days on market $175,000 Active 108 DOM
2. 2026-06-17
   days on market $175,000 Active 107 DOM
3. 2026-06-16
   days on market $175,000 Active 106 DOM
4. 2026-06-15
   days on market $175,000 Active 105 DOM
5. 2026-06-13
   days on market $175,000 Active 103 DOM
6. 2026-06-09
   days on market $175,000 Active 99 DOM
7. 2026-06-08
   days on market $175,000 Active 98 DOM
8. 2026-06-07
   days on market $175,000 Active 97 DOM
9. 2026-06-04
   days on market $175,000 Active 94 DOM
10. 2026-06-03
    days on market $175,000 Active 93 DOM
11. 2026-06-02
    days on market $175,000 Active 92 DOM
12. 2026-06-01
    days on market $175,000 Active 91 DOM
13. 2026-05-31
    days on market $175,000 Active 90 DOM
14. 2026-04-21
    price $175,000 365-char remark

    Show marketing remark (365 chars)

    Welcome to 333 Bronx River rd ,1 bedroom ,1 bedroom co op in the heart of Yonkers.Step into welcome open floor plan with all natural light ,Nestled in well-maintained complex with a playground .Close to all transportation ,Train .30 minutes from Grand Station by Metro North Train conveniently to the bus stop ,shopping, schools . Board requires 20% down payment .

15. 2026-03-19
    price $179,000 365-char remark

    Show marketing remark (365 chars)

    Welcome to 333 Bronx River rd ,1 bedroom ,1 bedroom co op in the heart of Yonkers.Step into welcome open floor plan with all natural light ,Nestled in well-maintained complex with a playground .Close to all transportation ,Train .30 minutes from Grand Station by Metro North Train conveniently to the bus stop ,shopping, schools . Board requires 20% down payment .

16. 2026-03-03
    price $189,000 365-char remark

    Show marketing remark (365 chars)

    Welcome to 333 Bronx River rd ,1 bedroom ,1 bedroom co op in the heart of Yonkers.Step into welcome open floor plan with all natural light ,Nestled in well-maintained complex with a playground .Close to all transportation ,Train .30 minutes from Grand Station by Metro North Train conveniently to the bus stop ,shopping, schools . Board requires 20% down payment .

17. 2026-03-02
    listed $189 Active 365-char remark

    Show marketing remark (365 chars)

    Welcome to 333 Bronx River rd ,1 bedroom ,1 bedroom co op in the heart of Yonkers.Step into welcome open floor plan with all natural light ,Nestled in well-maintained complex with a playground .Close to all transportation ,Train .30 minutes from Grand Station by Metro North Train conveniently to the bus stop ,shopping, schools . Board requires 20% down payment .

18. 2021-01-08
    soldstatus $127,000 Closed 276-char remark

    Show marketing remark (276 chars)

    Bright and sunny one-bedroom apartment on the top floor. Close to Cross County Center and Ridge Hill. Easy commute into the city via Metro North (nearby), bus, or car. Low HOA fees with all utilities. Access to the outdoors via the park and playground behind the building.

19. 2020-07-30
    listed $130,000 Active 276-char remark

    Show marketing remark (276 chars)

    Bright and sunny one-bedroom apartment on the top floor. Close to Cross County Center and Ridge Hill. Easy commute into the city via Metro North (nearby), bus, or car. Low HOA fees with all utilities. Access to the outdoors via the park and playground behind the building.

20. 2020-03-27
    status Pending
21. 2020-01-15
    status Pending
22. 2020-01-15
    historical
23. 2019-11-18
    price $124,900
24. 2019-11-18
    status Active
25. 2019-11-12
    historical
26. 2019-10-07
    listed $129,500 Active
27. 2018-01-20
    historical
28. 2017-10-19
    price $97,000
29. 2017-09-05
    price $115,000
30. 2017-08-08
    listed $120,000 Active
31. 2014-03-15
    price $60,000
32. 2012-01-23
    soldstatus $60,000 Sold
33. 2012-01-16
    historical
34. 2011-11-14
    historical Pending
35. 2011-11-14
    price $74,000
36. 2011-10-18
    listed $74,000 Active
37. 2011-10-18
    historical Cancelled
38. 2011-07-13
    price
39. 2011-06-15
    price
40. 2011-05-03
    listed Active
41. 2011-04-30
    historical
42. 2011-02-01
    listed Active
43. 2011-01-30
    historical
44. 2011-01-07
    price
45. 2010-10-30
    listed Active

ⓘ 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 6/10 Major FEMA zone X (unshaded) · 27% 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: $28,667
• − Mortgage interest: −$9,803
• − Property taxes: −$2,625
• − Insurance: −$875
• − Repairs & maintenance: −$2,293
• − Management: −$2,293
• − HOA: −$8,976
• − Depreciation: −$5,091
• Taxable loss: −$3,290
• Est. tax savings @ 24.0%: +$790
• After-tax cash flow: $-53/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): 31,921
• Household income: $106,786
• Rent vs Own: 39.1% rent · 60.9% own
• Severe rent burden: 1078.0

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 0.64)
• 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%
• Common ancestry: Romanian 2% Subsaharan African 2% Scotch-Irish 2%
• Foreign-born: 32% · Canada, Jamaica, China
• Languages at home: 54% English-only · Spanish 25% Other Indo-European 13% Russian/Polish/Slavic 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: ▼ -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

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

+136.5% since first listed

32 events — show timeline

• 2026-04-21 Price Changed $175,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-19 Price Changed $179,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $189,000 OneKey® MLS as Distributed by MLS Grid
• 2026-03-02 Listed $189 OneKey® MLS as Distributed by MLS Grid
• 2021-01-08 Sold (MLS) $127,000 OneKey® MLS as Distributed by MLS Grid
• 2020-07-30 Listed $130,000 OneKey® MLS as Distributed by MLS Grid
• 2020-03-27 Pending — OneKey® MLS as Distributed by MLS Grid
• 2020-01-15 Pending — OneKey® MLS as Distributed by MLS Grid
• 2020-01-15 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2019-11-18 Price Changed $124,900 OneKey® MLS as Distributed by MLS Grid
• 2019-11-18 Relisted — OneKey® MLS as Distributed by MLS Grid
• 2019-11-12 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2019-10-07 Listed $129,500 OneKey® MLS as Distributed by MLS Grid
• 2018-01-20 Listing Removed — OneKey® MLS as Distributed by MLS Grid
• 2017-10-19 Price Changed $97,000 OneKey® MLS as Distributed by MLS Grid
• 2017-09-05 Price Changed $115,000 OneKey® MLS as Distributed by MLS Grid
• 2017-08-08 Listed $120,000 OneKey® MLS as Distributed by MLS Grid
• 2014-03-15 Price Changed $60,000 HGMLS
• 2012-01-23 Sold (MLS) $60,000 HGMLS
• 2012-01-16 Delisted — HGMLS
• 2011-11-14 Contingent — HGMLS
• 2011-11-14 Price Changed $74,000 HGMLS
• 2011-10-18 Listed $74,000 HGMLS
• 2011-10-18 Delisted — HGMLS
• 2011-07-13 Price Changed — HGMLS
• 2011-06-15 Price Changed — HGMLS
• 2011-05-03 Listed — HGMLS
• 2011-04-30 Delisted — HGMLS
• 2011-02-01 Listed — HGMLS
• 2011-01-30 Delisted — HGMLS
• 2011-01-07 Price Changed — HGMLS
• 2010-10-30 Listed — HGMLS