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233 S 5th Avenue, Mount Vernon, NY, 10550

9beds
4baths
3,300sqft
$899,000
$272price/sqft
$6,868/moest. monthly cost
$274,720/yrincome needed

About This Home

Three-family investment with a flexible layout including a 3-bed/1-bath first-floor unit, 3-bed/1-bath second-floor unit, and a 3-bed/1-bath third-floor unit with living spaces, bath, laundry, and storage in the partially finished lower level. Located minutes from vibrant shops and dining, quality schools, public transit, and Montefiore Mount Vernon Hospital, with easy access to downtown Mount Vernon amenities. This property offers strong rental potential or owner-occupancy options in a well-connected community.

Getting Around

86
WalkingVery Walkable
61
TransitGood Transit
48
BikeSomewhat Bikeable

Schools

3/10
Edward Williams SchoolGrades PK-80.4 mi
3/10
Mount Vernon High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1929

Materials

  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Triplex,Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 9
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Built-in Features,Ceiling Fan(s),High Ceilings

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,300
  • Total interior livable area: 3,300 sqft

Property

Details

  • Parcel number: 0800169022030890000036
  • Special condition: None

Lot

  • Lot size: 3,485 sqft

Parking

  • Parking features: On Street
  • 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

  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Westchester County and New York

Flood
Severe Storm

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

MonthlyAnnual
Mortgage $4,545$54,540
Home Insurance *$400$4,800
Property Taxes $1,378$16,536
Electricity $545$6,544
Total$6,868$82,416
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$235,474/yr
40% on housing$206,040/yr
45% on housing$183,146/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: 5.8%
5.8%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$272This listing

vs Other Active Listings

Avg $/sqft

ZIP 10550$335
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10550$316
Westchester County$422

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)

Price History

DateEventPrice
2026-07-28Listed for sale$899,000
2026-05-18Pending sale$899,000
2026-05-17Listing removed$899,000
2026-05-16Listed for sale$899,000
2026-04-17Pending sale$899,000
2026-04-17Listing removed$899,000
2026-03-04Price change$899,000
2026-01-30Listed for sale$929,000
2025-09-08Listing removed--
2025-02-01Listed for sale$950,000
2002-10-15Sold$265,000
2000-05-05Sold$200,000
2000-03-29Sold$77,101

For Sale by Agent

AgentWalter F. Sarmiento
BrokerageRE/MAX Distinguished Hms.&Prop

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