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178 Beach Street, Bronx, NY, 10464

1beds
1baths
644sqft
$435,000
$675price/sqft
$2,951/moest. monthly cost
$118,040/yrincome needed

About This Home

Spacious cottage with Long Island sound views. Home has been loved for many years and needs to be refreshed. Located on a block with access to Beach Street Beach on the Long Island sound. Full unfinished basement with baseboard heat. Many upgrades include the roof replaced 2019, hot water heater 2020, Mitsubishi air unit in living room. Storm shutters on windows and front porch. Whole house water filtration system. Original wood floors in living room and bedroom. Additional 644 square feet unfinished in heated basement not included in overall square feet. Basement waterproof system installed by Vulcan waterproofing. Home is in an AE flood zone. Located within view of Beach Street Beach on Long Island Sound. Ample Street Parking.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

7/10
Ps 175 City IslandGrades K-80.6 mi
2/10

Construction

Condition

  • Year built: 1930

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Gas Range,Refrigerator

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • First Floor Bedroom,Ceiling Fan(s),Eat-in Kitchen
  • Flooring: Hardwood,Linoleum
  • Attic: Crawl,Full,Unfinished

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Ductless

Interior Area

  • Total structure area: 644
  • Total interior livable area: 644 sqft

Property

Details

  • Parcel number: 056460070
  • Special condition: None
  • Exclusions: None

Features

  • Levels: Two
  • Patio & porch: Covered,Porch
  • Exterior features: Awning(s),Rain Gutters
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 1,500 sqft

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

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Heat Wave
Cold Wave
Earthquake
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in Bronx County and New York

Flood
Severe Storm
Snowstorm

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 $2,199$26,388
Home Insurance *$224$2,688
Property Taxes $282$3,384
Electricity $246$2,954
Total$2,951$35,412
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$101,177/yr
40% on housing$88,530/yr
45% on housing$78,693/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: 3.3%
3.3%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$675This listing

vs Other Active Listings

Avg $/sqft

ZIP 10464$371
Bronx County$399

vs Homes Sold Last Month

Median $/sqft

ZIP 10464$510
Bronx County$409

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
2026-02-05Listed for sale$435,000
2006-08-09Sold$29,000

For Sale by Agent

AgentVittina Ruggiero
BrokerageSeas The Day Realty LLC

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