89 Frances Avenue, Harrison, NY, 10528
About This Home
89 Frances presents an exceptional investment and owner-occupant opportunity in a highly convenient location within walking distance to Parsons Memorial School, the Harrison Metro-North Railroad station, parks, restaurants, and local shopping. The first-floor unit features hardwood floors, an eat-in kitchen with sliding doors to a deck, spacious living and dining rooms, three bedrooms, and two full baths. The beautifully finished above-ground walkout basement offers expansive entertaining space complete with a wet bar, laundry area, remodeled kitchen, updated flooring and drywall, additional closet space, and stainless-steel appliances. The second-floor unit has been newly renovated with updated finishes throughout and wall-to-wall carpeting installed over hardwood floors. Extensive capital improvements completed between 2024-2026 provide exceptional value and peace of mind, including a new roof with lifetime material warranty and 10-year workmanship warranty, new gutters with gutter guards, boiler and AC tune-ups, dryer vent cleaning for all units, and upgraded electrical service with two new 100-amp meter panels approved by Harrison Town and ConEd. Additional updates include two new 50-gallon hot water heaters with 10-year warranties, remodeled basement kitchen with new flooring, drywall, and closet space, new Frigidaire stainless-steel appliances with active warranties, a renovated first-floor bathroom with new exhaust fans, updated kitchen range hoods, new Samsung refrigerator in the first-floor unit, and multiple new washer and dryer sets with transferable warranties. Both the first- and second-floor units also feature updated carpeting installed over existing hardwood flooring. Additional highlights include an attached oversized one-car garage and driveway parking for up to four vehicles. The property currently generates stable rental income with excellent long-term tenants in the second-floor and basement units, while the vacant first-floor unit offers immediate market-rent potential estimated at approximately $4,800 per month. A rare opportunity for investors and owner-occupants alike seeking strong cash flow, substantial recent upgrades, and long-term value in a prime Harrison location.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1974
Materials
- Foundation: Raised
- Construction materials: Brick,Shingle Siding
Type & Style
- Home type: MultiFamily
- Architectural style: Colonial
- Property subType: Duplex,Multi Family
Interior
Appliances
- Laundry features: Electric Dryer Hookup,Gas Dryer Hookup,In Basement,In Garage,In Kitchen,Multiple Locations,Washer Hookup
Basement
- Has basement: Yes
- Basement: Finished,Storage Space,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Features
- First Floor Bedroom,First Floor Full Bath,Breakfast Bar,Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Granite Counters,Kitchen Island,Storage
- Window features: Bay Window(s),Blinds
- Flooring: Carpet,Hardwood
- Attic: Pull Stairs,Storage
Heating & Cooling
- Heating features: Baseboard
- Cooling features: Central Air,Wall/Window Unit(s)
Interior Area
- Total structure area: 2,957
- Total interior livable area: 2,957 sqft
Property
Details
- Parcel number: 2801000101000000000022
- Special condition: None
Features
- Patio & porch: Covered,Deck
- Exterior features: Balcony,Garden
- Fencing: Partial
Lot
- Lot size: 4,792 sqft
Parking
- Total spaces: 5
- Parking features: Driveway,Garage,Garage Door Opener,Heated Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- 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
- 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 | $6,568 | $78,816 |
| Home Insurance * | $485 | $5,820 |
| Property Taxes | $1,991 | $23,892 |
| Electricity | $488 | $5,864 |
| Total | $9,532 | $114,384 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-07 | Pending sale | $1,299,000 |
| 2026-05-28 | Listed for sale | $1,299,000 |
| 2025-01-16 | Sold | $1,253,000 |
| 2024-11-09 | Pending sale | $1,175,000 |
| 2024-11-08 | Contingent | $1,175,000 |
| 2024-11-08 | Pending sale | $1,175,000 |
| 2024-10-23 | Listed for sale | $1,175,000 |
| 2002-12-11 | Sold | $410,500 |
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