See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

332 S 4th Avenue, Mount Vernon, NY, 10550

7beds
4baths
3,900sqft
$949,000
$243price/sqft
$7,319/moest. monthly cost
$292,760/yrincome needed

About This Home

Legal two-family for sale in Mount Vernon, a Victorian from the early 1900s. Seven bedrooms and four full baths across two units, over 4,000 square feet across five levels. Set on an oversized lot of roughly 60 by 135 feet with a spacious backyard, a five-car driveway and a detached two-car garage. This beautiful home features a wraparound enclosed porch that opens to a grand foyer with the original spindle staircase, a stained glass transom and high ceilings. Ornate mantels, french doors, oversized windows and hardwood floors run throughout. The lower unit is a full two-bedroom with double-high ceilings, separate living and dining and pocket doors. The kitchen is fully renovated with an exposed brick wall, mosaic tile backsplash, pass-through bar window and stainless appliances, and the bath has a soaking tub and separate shower. Flex rooms can serve as a home office or added storage. The upper unit spans the second through fourth floors with a second kitchen, a family room, the balance of the bedrooms and a renovated travertine bath. The finished basement adds over 600 square feet of functional space with seven-foot ceilings, a full bath and a laundry room with washer and dryer. Its own direct walk-out access makes it easy to use for recreation, a home gym or guest space. Both units have Nest thermostats, new soundproof windows and separate gas and electric meters. Live in the whole house as one large single-family home, or run it as a large multi-unit home with a fully separate second unit. Either way, there's room to make the space more versatile and add financial upside over time. Mount Vernon East Metro-North runs to Grand Central, with the Cross County and Hutchinson River Parkways, I-95, shopping and dining all close. Delivered fully vacant at closing.

Getting Around

84
WalkingVery Walkable
58
TransitGood Transit
46
BikeSomewhat Bikeable

Schools

3/10
Edward Williams SchoolGrades PK-80.3 mi
3/10
Mount Vernon High SchoolGrades 9-121.8 mi

Construction

Condition

  • Year built: 1906

Materials

  • Foundation: Brick/Mortar,Stone
  • Construction materials: Cedar,Stucco,Unknown,Vinyl Siding,Wood Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Victorian
  • Property subType: Duplex,Multi Family

Interior

Appliances

  • Laundry features: Washer/Dryer Hookup,Electric Dryer Hookup,Laundry Room,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Storage Space,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 7
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • First Floor Bedroom,First Floor Full Bath,Breakfast Bar,Built-in Features,Chandelier,Crown Molding,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,High Ceilings,Natural Woodwork,Original Details,Pantry,Primary Bathroom,Master Downstairs,Recessed Lighting,Smart Thermostat,Soaking Tub,Storage,Walk Through Kitchen,Walk-In Closet(s)
  • Window features: Bay Window(s),Oversized Windows,Wood Frames
  • Flooring: Combination,Hardwood,Other,Tile,Wood
  • Number of fireplaces: 4
  • Fireplace features: Bedroom,Decorative,Family Room,Living Room
  • Fireplace: Yes
  • Attic: Common,Finished,Full,Stairs,Storage,Walkup

Heating & Cooling

  • Heating features: Baseboard,Separate Meters,Steam
  • Cooling features: Multi Units,Wall/Window Unit(s)

Interior Area

  • Total structure area: 3,900
  • Total interior livable area: 3,900 sqft

Property

Details

  • Parcel number: 0800169030030900000010
  • Special condition: None

Features

  • Patio & porch: Covered,Porch,Screened,Wrap Around
  • Fencing: Back Yard,Fenced,Front Yard,Full

Lot

  • Lot size: 7,970 sqft
  • Features: Back Yard,Front Yard,Garden,Near Public Transit,Near School,Near Shops

Parking

  • Total spaces: 7
  • Parking features: Driveway,Garage,Private
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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
    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 $4,798$57,576
Home Insurance *$422$5,064
Property Taxes $1,455$17,460
Electricity $644$7,734
Total$7,319$87,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$250,937/yr
40% on housing$219,570/yr
45% on housing$195,173/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

$243This listing

vs Other Active Listings

Avg $/sqft

ZIP 10550$336
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)

No zestimate history available

Price History

DateEventPrice
2026-08-11Pending sale$949,000
2026-07-23Listed for sale$949,000

For Sale by Agent

AgentLeandra Jimenez
BrokerageFind Real Estate LLC

Similar Homes