35 S Terrace Avenue, Mount Vernon, NY, 10550
About This Home
Completely renovated two-family home offering an excellent opportunity for both owner-occupants and investors. Each spacious unit features 2 bedrooms, 1 full bath, and a large, beautifully updated kitchen with new cabinetry, quartz countertops, ceramic tile backsplash, and new stainless steel appliances, including a refrigerator, oven/range, and vent hood. Both bathrooms have been fully renovated with new ceramic tile, modern vanities, updated lighting, and new plumbing fixtures. Additional improvements include new flooring throughout, all new electrical fixtures, new electrical service, and numerous quality upgrades that make this property truly move-in ready. The home also features a very large finished attic and a finished basement, providing abundant flexible space for recreation, a home office, storage, or other permitted uses. Outside, enjoy a new stone wall and a flat, fenced backyard, perfect for entertaining or relaxing. Conveniently located within walking distance to the Metro-North station and close to major highways, public transportation, shopping, dining, schools, and parks, this turnkey property offers the perfect combination of modern living, versatility, and investment potential.
Getting Around
Very Walkable
Excellent Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1942
Materials
- Construction materials: Vinyl Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Colonial
- Property subType: Duplex,Multi Family
Interior
Appliances
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Finished,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
- Full bathrooms: 2
Features
- First Floor Bedroom,First Floor Full Bath,Eat-in Kitchen,Open Kitchen,Original Details,Quartz/Quartzite Counters
- Flooring: Ceramic Tile,Vinyl
- Attic: Finished
Heating & Cooling
- Heating features: Hydro Air
- Cooling features: None
Interior Area
- Total structure area: 2,700
- Total interior livable area: 2,700 sqft
Property
Details
- Parcel number: 0800164076010640000028
- Special condition: None
Features
- Fencing: Back Yard,Fenced
Lot
- Lot size: 3,321 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
- 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 | $4,019 | $48,228 |
| Home Insurance * | $354 | $4,248 |
| Property Taxes | $1,219 | $14,628 |
| Electricity | $446 | $5,354 |
| Total | $6,038 | $72,456 |
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)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Price change | $749,900 |
| 2026-07-27 | Price change | $795,000 |
| 2026-07-08 | Listed for sale | $850,000 |
| 2025-10-31 | Sold | $200,000 |
| 2004-09-28 | Sold | $350,000 |
| 1995-10-17 | Sold | $145,000 |
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