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162 Harding Avenue, White Plains, NY, 10606

3beds
3baths
1,516sqft
$659,900
$435price/sqft
$4,836/moest. monthly cost
$193,440/yrincome needed

About This Home

Welcome home to The Harding Avenue Condominiums in the desirable Battle Hill neighborhood of White Plains. Built in 2004, this rare 4-unit townhouse-style complex offers privacy, space, and convenience in an unbeatable commuter location. This bright and airy unit offers 3-bedroom, 2.5-bath home is filled with extra windows and abundant natural light, showcasing gorgeous wood floors, recessed lighting, and crown molding accents throughout. The open-concept first floor features spacious living and dining areas, a powder room, and a fresh white kitchen with gleaming granite countertops, mosaic tile backsplash, oversized refrigerator, gas stove, rustic wood accent wall, and room to add a center island for your own personal style and flair if you’d like. Upstairs offers nicely sized bedrooms, including a spacious primary suite with walk-in shower and a walk-in closet, a full guest bath, hallway laundry closet, and pull-down attic access for additional storage. Enjoy year-round comfort with central air updated in 2025 and the added convenience of a brand-new washer and dryer. This home also includes a 1-car attached garage plus 3 assigned parking spaces. With the trifecta of natural gas, city water, and sewer, this home combines comfort and efficiency. Ideally situated just minutes to White Plains Metro-North, downtown shopping, dining, Trader Joe’s, parks, and major highways including the Bronx River Parkway and I-287, offering an easy commute to NYC. Low $300 monthly HOA includes exterior maintenance, lawn care, and trash collection. Pet friendly with no restrictions. The pictures just do not do this one justice, it is gorgeous! Call now to schedule to tour this beautiful home, it will not last long!

Getting Around

70
WalkingVery Walkable
66
TransitGood Transit
26
BikeSomewhat Bikeable

Schools

7/10
Post Road SchoolGrades K-50.8 mi
6/10
7/10

Construction

Condition

  • Property condition: Actual
  • Year built: 2004

Materials

  • Construction materials: Vinyl Siding

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Gas Range,Microwave,Refrigerator,Washer,Gas Water Heater
  • Laundry features: Washer/Dryer Hookup,In Hall,Inside

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Basement

Features

  • Ceiling Fan(s),Crown Molding,Eat-in Kitchen,Entrance Foyer,Formal Dining,Granite Counters,Open Floorplan,Open Kitchen,Primary Bathroom,Storage
  • Window features: Screens
  • Flooring: Other,Wood
  • Attic: Pull Stairs
  • Common walls with other units/homes: 1 Common Wall,End Unit

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,516
  • Total interior livable area: 1,516 sqft

Property

Details

  • Parcel number: 1700125073000050000007012
  • Attached to another structure: Yes
  • Special condition: None

Features

  • Levels: Three Or More

Parking

  • Total spaces: 4
  • Parking features: Driveway,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

  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Strong Wind
Cold Wave
Heat Wave
Inland Flooding
Lightning
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 $3,336$40,032
Home Insurance *$239$2,868
Property Taxes $1,011$12,132
Electricity $250$3,006
Total$4,836$58,032
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$165,805/yr
40% on housing$145,080/yr
45% on housing$128,960/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

$435This listing

vs Other Active Listings

Avg $/sqft

ZIP 10606$385
Westchester County$419

vs Homes Sold Last Month

Median $/sqft

ZIP 10606$433
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
2026-04-20Listed for sale$699,000
2021-09-07Sold$570,000

For Sale by Agent

AgentSandra Spector
BrokerageHoward Hanna Rand Realty

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