431 4th Street, Mamaroneck, NY, 10543
About This Home
Modern comfort, low-maintenance living, and exceptional convenience come together at 431 4th Street, in the heart of Mamaroneck, New York. Located within the prestigious Rye Neck School District, this thoughtfully reimagined home combines style, functionality, and commuter-friendly living just minutes from Florence Park, Metro-North, major highways, vibrant downtown restaurants and shops, and the renowned Harbor Island Park waterfront and beach. This 3-bedroom, 2.5-bath home features a desirable first-floor primary suite, a sun-filled open floor plan, and seamless indoor-outdoor flow with a custom wraparound deck - a rare offering for this centrally located Village property. The beautifully updated kitchen showcases stainless steel appliances, sleek countertops, and adjustable remote-controlled lighting designed for both everyday living and effortless entertaining. Upstairs, a bright and organized retreat awaits with two spacious bedrooms featuring generous closets and oversized windows, complemented by a full bath, built-in shelving, and an additional walk-in hall closet. The finished lower level features polished tile flooring, built-in shelving, abundant storage, upgraded major mechanicals (2024–2025), and walkout access, providing flexible space ideal for recreation, a home office, gym, or additional living needs. Thoughtfully updated throughout, this home offers the ease of move-in ready living while placing you close to everything Mamaroneck has to offer - waterfront recreation, parks, dining, shopping, and convenient access to NYC by train or car.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Property condition: Updated/Remodeled
- Year built: 1960
Materials
- Foundation: Concrete Perimeter,Slab
- Construction materials: Aluminum Siding,Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Colonial
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Dryer,Gas Oven,Gas Range,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
- Laundry features: Washer/Dryer Hookup,In Kitchen
Basement
- Level: Basement
Basement
- Has basement: Yes
- Basement: Bilco Door(s),Finished,Storage Space,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Features
- First Floor Bedroom,First Floor Full Bath,Breakfast Bar,Built-in Features,Natural Woodwork,Open Floorplan,Open Kitchen,Primary Bathroom,Master Downstairs,Recessed Lighting,Stone Counters,Storage
- Flooring: Ceramic Tile,Hardwood,Vinyl
- Attic: Crawl,Scuttle
Heating & Cooling
- Heating features: Baseboard,Hot Water,Steam
- Cooling features: Wall/Window Unit(s)
Interior Area
- Total structure area: 1,614
- Total interior livable area: 1,314 sqft
Property
Details
- Parcel number: 154.27267
- Special condition: None
Features
- Levels: Two
- Patio & porch: Deck
- Exterior features: Lighting,Mailbox
- Fencing: Back Yard,Chain Link,Fenced,Perimeter,Vinyl
Lot
- Lot size: 1,614 sqft
- Features: Back Yard,Near Golf Course,Near Public Transit,Near School,Near Shops,Private
- Lot size dimensions: 36 x 22
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
- Inland Flooding
- 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 | $3,539 | $42,468 |
| Home Insurance * | $219 | $2,628 |
| Property Taxes | $1,073 | $12,876 |
| Electricity | $246 | $2,954 |
| Total | $5,077 | $60,924 |
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 |
|---|---|---|
| 2026-05-11 | Price change | $749,000 |
| 2026-04-14 | Listed for sale | $799,900 |
| 2025-12-18 | Sold | $425,000 |
| 2025-12-04 | Pending sale | $490,000 |
| 2025-10-02 | Price change | $490,000 |
| 2025-09-18 | Listed for sale | $515,000 |
| 2025-08-24 | Listing removed | $530,000 |
| 2025-06-20 | Listed for sale | $530,000 |
| 2025-06-12 | Listing removed | $530,000 |
| 2025-04-15 | Listed for sale | $530,000 |
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