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305 N Terrace Avenue, Mount Vernon, NY 10550

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For Sale

$849,900

6 beds • 3 baths • 3,900 sqft

Estimated Payment

$ 5,722 /mo. †

6.63% APR for 30 yrs.
$16,398 in taxes
Change Loan Terms

  • Multi-Family (2-4 Units)
    Property type

  • $217.92
    Price per square foot

  • Over 50 Years Old
    Age

Explore this Property

Attention Investors and homeowners. This property has 2 separate houses on one lot. Front House # 1 is a two family home. First floor is a large Two bedroom that can be converted to a 3 bedroom. This apartment features a Oversized Living room, Formal Dining room Large Eat in Kitchen with doors to rear yard 2 bedrooms and one bath. The unit has access to the unfinished walk out basement with laundry and plenty of storage. The second floor apartment has master bed, livingroom, eat in kitchen bath and bonus room currently being used as a childs bedroom. The rear yard also features another Single Family duplex 2 bedroom home with full basement. Come and see, and take advantage of this amazing opportunity to own and personalize this unique property to your liking, with so many possibilities.
MLS# H6323944

Courtesy Of Fleetwood Realty

(914) 664-5000

Property Features

  • Age
    Over 50 Years Old
  • Architecture Style
    Colonial
  • Cooling System
    Window Unit(s) A/C
  • Exterior Type
    Stucco
  • Floor Covering
    Hardwood
  • Heating System
    Baseboard
  • Lot Size
    0.09 Acres

Map and Directions

Directions to 305 N Terrace Avenue, Mount Vernon, NY 10550

Home seller CENTURY 21 Dawn's Gold Realty

Get to know the neighborhood. A local affiliated CENTURY 21 office will help you set up tours, give advice, and negotiate with sellers.

CENTURY 21 Dawn's Gold Realty

(914) 793-8800
Learn More About Us

Mortgage Calculator

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Monthly Payment Breakdown

  • Principle and Interest
    $4,356
  • Property Taxes
    $1,366
  • Hazard Insurance
    $0
  • Private Mortgage Insurance
    $0
  • HOA Dues
    $0
  • Total Monthly Payment:
    $5,722

Calculators provided for estimating purposes only. Consult with your lender to determine precise payment requirements.

Schools

Benjamin Turner Middle School

Grades 5-8 Public School

Mount Vernon, NY 10550 1.6 miles
624 s 3rd ave

252 total students
10:1 Student teacher ratio

School Rating: D-

School Details

Columbus School At The Franko Building

Grades PK-8 Public School

Mount Vernon, NY 10552 0.3 miles
455 n high st

418 total students
12:1 Student teacher ratio

School Rating: C+

School Details

Denzel Washington School-arts

Grades 6-12 Public School

Mount Vernon, NY 10550 0.7 miles
121 s 6th ave

417 total students
12:1 Student teacher ratio

School Rating: B

School Details

Mount Vernon High School

Grades 9-12 Public School

Mount Vernon, NY 10552 1.6 miles
100 california rd

1302 total students
16:1 Student teacher ratio

School Rating: D

School Details
Other Nearby Schools Distance Type Grades School Rating
Nelson Mandela/dr Hosa Zollicoffer School 0.3 miles Public PK-8 B-
Hamilton School 0.3 miles Public KG-8 C+
Mount Vernon Steam Academy 0.3 miles Public 9-12
Rosemarie Ann Siragusa School 0.3 miles Public PK-6 B
Our Lady Of Victory School 0.4 miles Private PK-8
Lincoln School 0.6 miles Public KG-8 B
Grimes School 0.6 miles Public KG-8 C-
Amani Public Charter School 0.7 miles Public 5-8 B-
School 30 0.9 miles Public PK-8 C+
Pennington School 1 miles Public PK-8 C+
Holmes School 1 miles Public PK-8 C
Sarah Lawrence Early Childhood Center 1.1 miles Private PK-1
Yonkers Montessori Academy 1.2 miles Public PK-12 C
P.s. 16 Wakefield School 1.2 miles Public KG-5 D+
Edward Williams School 1.2 miles Public PK-7 D-
Traphagen School 1.2 miles Public PK-8 C+
The Matilda Avenue School 1.2 miles Public KG-2 C
Mount St Michael Academy 1.3 miles Private 6-12

Nelson Mandela/dr Hosa Zollicoffer School

Distance: 0.3 miles

Type Public

Grades: PK-8

B-

Hamilton School

Distance: 0.3 miles

Type Public

Grades: KG-8

C+

Mount Vernon Steam Academy

Distance: 0.3 miles

Type Public

Grades: 9-12

Rosemarie Ann Siragusa School

Distance: 0.3 miles

Type Public

Grades: PK-6

B

Our Lady Of Victory School

Distance: 0.4 miles

Type Private

Grades: PK-8

Lincoln School

Distance: 0.6 miles

Type Public

Grades: KG-8

B

Grimes School

Distance: 0.6 miles

Type Public

Grades: KG-8

C-

Amani Public Charter School

Distance: 0.7 miles

Type Public

Grades: 5-8

B-

School 30

Distance: 0.9 miles

Type Public

Grades: PK-8

C+

Pennington School

Distance: 1 miles

Type Public

Grades: PK-8

C+

Holmes School

Distance: 1 miles

Type Public

Grades: PK-8

C

Sarah Lawrence Early Childhood Center

Distance: 1.1 miles

Type Private

Grades: PK-1

Yonkers Montessori Academy

Distance: 1.2 miles

Type Public

Grades: PK-12

C

P.s. 16 Wakefield School

Distance: 1.2 miles

Type Public

Grades: KG-5

D+

Edward Williams School

Distance: 1.2 miles

Type Public

Grades: PK-7

D-

Traphagen School

Distance: 1.2 miles

Type Public

Grades: PK-8

C+

The Matilda Avenue School

Distance: 1.2 miles

Type Public

Grades: KG-2

C

Mount St Michael Academy

Distance: 1.3 miles

Type Private

Grades: 6-12

School information does not guarantee enrollment. School service boundaries are provided as a reference only, may change, and are not guaranteed to be accurate. Contact the school district directly to verify school enrollment eligibility.

Local area information for Mount Vernon, NY 10550

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Mount Vernon, NY 10550

This community’s employment is highest in the construction and administrative support industries. The area’s overall household expenses are below the national average.

84° July
Hottest Average Month
24° January
Coldest Average Month
15,092 Total Households in Area
-1.2% Increase in population since the year 2010
29.4%
of households
have children
37 minutes
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Demographic facts
for Mount Vernon, NY 10550

Mount Vernon, NY 10550 has a population of 39,473 people in 15,092 households with a median age of 40.4 years old.

-1.2%
Decrease in population
since the year 2010
Population is Trending down
14,786
Total households as of 2010
4.3%
projected percent change in total
households in 5 years

Community Population By Age

The median age for this area is 40.4 years old. The smallest percentage group is 25-34 years and the largest percentage is the 85+ years age range.

Community Population By Ethnicity

Black 69%
Hispanic 21%
Other 13%
White 6%
Asian 2%
Native American <1%
The most prevalent ethnicity is Black at 69%, followed by Hispanic at 21%, Other at 13%, and White at 6%.

Economics
for Mount Vernon, NY 10550

20,389 /sq mi
Population Density
$61,361 /yr
Median Household Income
$616,000
Median Sales Price
37 min
Median Commute Time

Household Expenses vs National Average

This location’s average annual expenditures by category compared to the national average. Index score (100=National Average)

Household by Income

Out of the households in this area, the largest income group is Under $15k representing 16.78% of the households.

Transportation to Work

  • Drive 53%
  • Public Transit 36%
  • Walk or Bike 6%
  • Work from Home 5%

Occupancy by Type

Rented 11,378 70%
Owned 3,714 23%
Vacant 1,232 8%

White vs Blue Collar Jobs







White Collar 71%
Blue Collar 29%

Family & Education Facts
for Mount Vernon, NY 10550

40.4 Median Age

Average Household Size

2.6
persons per
household

27.9%

Married Households

Community Population By Education

High School Graduate 31%
Some College 21%
Some High School 18%
Bachelors Degree 13%
Graduate Degree 9%
Associates Degree 8%
Of the total people surveyed, the most prevalent educational attainment level is High School Graduate, representing 30.95% of the population.

Household Family Expenses vs National Average

This location’s average annual expenditures compared to the national average. Index score (100=National Average)
29.4% of households have children

Weather
for Mount Vernon, NY 10550

The weather for this area ranges from a high of 84° F in July to a low of 24° F in January

84° July
Hottest Average Month
24° January
Coldest Average Month

Average Temperature by Month

Low (°F)
High (°F)
Jan
24°
38°
Feb
25°
40°
Mar
32°
49°
Apr
41°
60°
May
51°
71°
Jun
61°
79°
Jul
66°
84°
Aug
65°
82°
Sep
58°
75°
Oct
47°
65°
Nov
38°
53°
Dec
29°
42°

Average Temperature in Degrees Fahrenheit

Precipitation

Precipitation (inch)

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Copyright © 2025 OneKey MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Data powered by Attom Data Solutions. Copyright© 2025. Information deemed reliable but not guaranteed.

This information is provided for general informational purposes only and should not be relied on in making any home-buying decisions. School information does not guarantee enrollment. Contact a local real estate professional or the school district(s) for current information on schools. This information is not intended for use in determining a person's eligibility to attend a school or to use or benefit from other city, town or local services.

† Based on a 30-year fixed rate of 3.38% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

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