18 Prospect Street, Elmsford, NY, 10523
About This Home
This unique dual-access property, built in 2008, offers the rare convenience of a front entrance on Prospect St and a private, gated walk-in entrance from Hartsdale Rd. The home features a spacious three-bedroom layout with three full and one half bathroom, designed for both comfort and functionality. The primary master suite serves as a true retreat, boasting an ensuite bathroom equipped with a luxurious jet jacuzzi and a separate standing shower. The heart of the home includes an updated kitchen with modern appliances and a high-efficiency HVAC system upgraded in 2023 with a contemporary heat pump. The property provides versatile heating options, including multi-source baseboard and hot air systems, while the basement offers radiant floor heating and optional hot air backup. Perfectly situated for maximum convenience, the home is within easy walking distance to local schools and offers quick access to nearby shopping, diverse restaurant options, and public transportation. Sustainability, modern convenience, and long-term value are at the forefront of this home’s recent major improvements. A new roof was professionally installed in 2025. Complementing this is a newly installed, fully owned premium solar panel system featuring REC's latest Alpha Pure-RX panels paired with Enphase IQ8X microinverters. The system includes a 25-year warranty and is engineered to cover 110% of the entire household's electricity usage. Lawn maintenance is made effortless with a newly installed 5-zone sprinkler system providing complete coverage for the entire yard. Ensuring complete peace of mind, the home is also fully equipped with a premium, integrated Vivint smart security system, featuring high-definition exterior cameras, comprehensive entry point sensors, and professional 24/7 monitoring capabilities. These significant upgrades, combined with the structural advantage of a natural gas connection, modern 2008 construction, and dual-street access, make this home an exceptionally efficient, secure, and standout opportunity in the current market.
Getting Around
Very Walkable
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2008
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Oven,Range,Refrigerator,Stainless Steel Appliance(s),Washer
Basement
- Has basement: Yes
- Basement: Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
Features
- Ceiling Fan(s),Eat-in Kitchen,Formal Dining,Granite Counters,High Speed Internet,Open Floorplan,Open Kitchen
- Attic: Full
Heating & Cooling
- Heating features: Baseboard,Heat Pump,Hot Water,Natural Gas,Radiant,Solar
- Cooling features: Central Air
Interior Area
- Total structure area: 2,300
- Total interior livable area: 2,300 sqft
Property
Details
- Parcel number: 26050050500010400000062
- Special condition: None
Features
- Fencing: Back Yard,Vinyl
Lot
- Lot size: 7,035 sqft
Parking
- Total spaces: 3
- Parking features: Attached,Driveway,Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Lightning
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Westchester County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,247 | $50,964 |
| Home Insurance * | $259 | $3,108 |
| Property Taxes | $1,288 | $15,456 |
| Electricity | $380 | $4,561 |
| Total | $6,174 | $74,088 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Pending sale | $840,000 |
| 2026-07-23 | Price change | $840,000 |
| 2026-07-15 | Price change | $810,000 |
| 2026-07-08 | Listed for sale | $789,000 |
| 2013-02-12 | Sold | $400,000 |
| 2012-04-19 | Price change | $465,000 |
| 2012-01-10 | Listed for sale | $485,000 |
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