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903 Howard Avenue, Mamaroneck, NY, 10543

4beds
2baths
1,792sqft
$830,000
$463price/sqft
$6,024/moest. monthly cost
$240,960/yrincome needed

About This Home

Welcome to this beautifully maintained two-family duplex, ideally situated on a prominent corner lot in the heart of Mamaroneck. Set along a tranquil channel of the Mamaroneck River, this property offers a rare combination of comfort, convenience, and lifestyle. The first-floor unit features an updated 2-bedroom, 1-bath layout with a bright eat-in kitchen complete with quartz countertops, stainless steel appliances, and a thoughtfully designed layout that offers both comfort and convenience. The second-floor unit offers another inviting 2-bedroom, 1-bath with granite countertops and stainless appliances, a light-filled layout, and a warm, welcoming feel. Step outside to a private backyard patio overlooking the waterway—perfect for morning coffee, relaxing evenings, or casual entertaining. The corner location offers great natural light and an open feel while still providing a charming outdoor space to enjoy. Enjoy all that Mamaroneck has to offer—just minutes to Harbor Island Park, where you’ll find beaches, waterfront trails, open green space, and stunning views of the Long Island Sound. Nearby you’ll also discover vibrant restaurants, cafes, shops, parks, and a true sense of community. With easy access to the Metro-North Railroad, commuting to NYC is simple and convenient. A wonderful opportunity for both homeowners and investors—live comfortably while generating income in one of Westchester’s most desirable waterfront communities.

Getting Around

84
WalkingVery Walkable
51
TransitGood Transit
59
BikeBikeable

Schools

7/10
Mamaroneck Avenue SchoolGrades K-50.2 mi
7/10
Hommocks SchoolGrades 6-81.8 mi
9/10
Mamaroneck High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Actual
  • Year built: 1932

Materials

  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Laundry features: In Basement,In Unit

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s)

Heating & Cooling

  • Heating features: Baseboard,Hot Water
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,792
  • Total interior livable area: 1,792 sqft

Property

Details

  • Parcel number: 3203008000000200000001
  • Special condition: None
  • Exclusions: Chandelier(s)

Lot

  • Lot size: 5,663 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Lightning
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 $4,196$50,352
Home Insurance *$260$3,120
Property Taxes $1,272$15,264
Electricity $296$3,553
Total$6,024$72,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$206,537/yr
40% on housing$180,720/yr
45% on housing$160,640/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

$463This listing

vs Other Active Listings

Avg $/sqft

ZIP 10543$439
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10543$525
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
2026-04-23Listed for sale$875,000
2017-11-09Sold$545,000
2017-08-09Listed for sale$535,000
2017-05-18Sold$273,250

For Sale by Agent

AgentJessica Diaz
BrokerageBHHS River Towns Real Estate

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