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986 Cliff Avenue, Yorktown Heights, NY, 10598

3beds
3baths
2,016sqft
$859,900
$427price/sqft
$6,240/moest. monthly cost
$249,600/yrincome needed

About This Home

Welcome to exceptional indoor and outdoor living. Set on a private 1.5 acres and surrounded by mature trees, this home features incredible outdoor spaces ideal for entertaining or relaxing in total privacy. This custom home offers an impressive stone facade set in granite and stone column entry is set privately and situated on 1.5 acres in an ideal Southern Yorktown location with Yorktown schools. Step inside this home and feel how open and light-filled the entire main living level with sun drenched rooms, windows galore and distant views. Let the sunshine in on the recently refinished hardwood floors, the open floor plan is flexible and smartly designed with spaces for dining, open living room and a stunning kitchen designed for the serious cook with side and rear decks to enjoy the outdoors those distant views. The kitchen has storage galore with a pantry closet and custom cabinetry, professional-grade oven/range and finished with granite tops with large center island. Whether for daily needs or special occasions, this kitchen will perform quite capably, and the cook will appreciate the beautiful views. This home offers a remarkable amount of indoor-outdoor flow, including access to a rear deck and a side deck off the kitchen, just a perfect spot to enjoy your morning coffee. The owner's suite has ample space and includes an on-suite bath. The finished lower level provides a family room, home office or guest room with a summer kitchen and full bath. It’s the perfect setup for guests or the extended family. 986 Cliff Avenue is an ideal residence for the buyer seeking a thoughtfully designed house offering privacy, home office and recreation spaces, including an impressive stone saltwater pool with waterfall. Set in an ideal location and just a few minutes to town shopping, restaurants, access to the county bike trail and close proximity to schools, hiking trails, town parks and parkway.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

9/10
Brookside SchoolGrades K-33.0 mi
7/10
9/10
Yorktown High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Concrete Perimeter
  • Construction materials: Stone,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Room

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • First Floor Bedroom,First Floor Full Bath,Cathedral Ceiling(s),Chefs Kitchen,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,In-Law Floorplan,Kitchen Island,Open Floorplan,Open Kitchen,Pantry,Primary Bathroom,Storage
  • Flooring: Ceramic Tile,Hardwood
  • Attic: Partial

Heating & Cooling

  • Heating features: Baseboard,Oil
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 2,016 sqft

Other

  • Level: First

Other

  • Level: Lower

Property

Details

  • Parcel number: 55540005900700010370000000
  • Special condition: None
  • Other equipment: Pool Equip/Cover

Features

  • Private pool: Yes
  • Pool features: In Ground,Salt Water
  • Patio & porch: Deck,Patio
  • Exterior features: Garden,Lighting
  • Fencing: Back Yard,Fenced
  • Has view: Yes
  • View description: Open,Park/Greenbelt,Trees/Woods
  • Residential vegetation: Partially Wooded

Lot

  • Lot size: 1.56 Acres
  • Features: Back Yard,Garden,Near Shops,Private,See Remarks,Views,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
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 $4,348$52,176
Home Insurance *$241$2,892
Property Taxes $1,318$15,816
Electricity $333$3,997
Total$6,240$74,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$213,942/yr
40% on housing$187,200/yr
45% on housing$166,400/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

$427This listing

vs Other Active Listings

Avg $/sqft

ZIP 10598$455
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10598$390
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
2026-04-09Listed for sale$899,900
2026-02-25Listing removed$839,900
2025-11-09Pending sale$839,900
2025-09-11Listed for sale$839,900
2025-09-05Listing removed$879,900
2025-08-28Listed for sale$879,900
2025-07-09Listing removed$799,900
2025-06-22Price change$799,900
2025-05-12Listed for sale$874,900
2023-06-22Listing removed--
2023-06-03Listed for rent$1,950
2021-02-26Listing removed--
2020-11-11Listing removed$2,000
2020-11-09Listed for rent$2,000
2020-09-19Listing removed$2,600
2020-08-19Listed for rent$2,600

For Sale by Agent

AgentRobert D. Mulvey III
BrokerageWilliam Raveis Real Estate

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