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15 N Terrace Ave, Mount Vernon, NY, 10550

6beds
2baths
0sqft
$275,000
--price/sqft
$2,179/moest. monthly cost
$87,160/yrincome needed

About This Home

Great 2 family with good potential. Short sale. Please do not approach the property the tenants are hostile.

Getting Around

85
WalkingVery Walkable
71
TransitExcellent Transit
43
BikeSomewhat Bikeable

Schools

4/10
Hamilton SchoolGrades K-80.1 mi
4/10
3/10
Mount Vernon High SchoolGrades 9-121.9 mi

Construction

Materials

  • Roof: Asphalt
  • Construction materials: Masonry - Brick,Brick Siding,Stucco Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: A-Frame
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Oven

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Hardwood
  • Finished area above ground: 0

Heating

  • Heating features: Natural Gas,Steam

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 164.68107229
  • Lease amount: 0
  • Special condition: Short Sale

Features

  • Fencing: Fenced
  • Has view: Yes
  • View description: City
  • Frontage length: 0

Lot

  • Features: Near Bus

Parking

  • Parking features: Attached
  • Has garage: 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

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

How This Home’s Risks Compare

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 $1,390$16,680
Home Insurance *$122$1,464
Property Taxes $421$5,052
Electricity $246$2,954
Total$2,179$26,148
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$74,708/yr
40% on housing$65,370/yr
45% on housing$58,106/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 10550$337
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
2025-01-09Sold$825,000
2023-10-06Sold$470,000

Coming Soon

AgentNoel Cohen
BrokerageCOHEN & COHEN CONSULTING INC

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