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128 Bay St #3A

Stapleton · staten island · built 1968 · BBL 5004120009

40
HIVE
List price
$449k
Beds / Baths
2bd / 2ba
Size
1050 sqft
Price/sqft
$428
Days on market
14d
Price cuts
None
Source
streeteasy
Listed
3/28/2026
Hard-filter fail: flood zone a

Why this score

Bottleneck pillar: Risk. Click any pillar to drill in.

Top contributors

Commentary

  • +75Price vs fair value. Price vs fair value is strong vs the cohort (75th pct).
  • +70Cap rate. Cap rate is strong vs the cohort (70th pct).
  • +78Price/sqft vs block. Price/sqft vs block is strong vs the cohort (78th pct).
  • 50Air quality (PM2.5). Air quality (pm2.5) is around average (50th pct).
  • 50Sunlight exposure. Sunlight exposure is around average (50th pct).
  • 50Green proximity. Green proximity is around average (50th pct).

Offer Advisor

Aggressive
$429k
-4.5%
Recommended
$440k
-2.0%
Safe
$447k
-0.5%
Mid offer is -2.0% vs list ($449k) · high confidence
5 comps · 14d on market · no cuts · risk-pillar bottleneck
Negotiation angles
  • Cite Air quality (PM2.5) (50th pct) as a credit/repair ask.
  • Cite Sunlight exposure (50th pct) as a credit/repair ask.
  • Cite Green proximity (50th pct) as a credit/repair ask.
  • Risk pillar is the bottleneck — request closing concessions for inspection findings.

Comp set (5)

Median price
$985k
Median $/sqft
$1055
Spread
105%
SimPropertyPriceBd/Ba$/sqftDOMReasons
452055 Grand Concourse #6F
Fordham · 18.8mi
$365k2/1$37227d
same beds±20% price bandsimilar size
40522 5th Ave #2
Park Slope · 5.7mi
$1.40M2/2$132911d
same bedssimilar size
3534-12 73rd St #5
Jackson Heights · 12.9mi
$599k2/1$54532d
same bedssimilar size
30321 Adelphi St #4B
Fort Greene · 7.0mi
$985k2/1$107121d
same bedssimilar size
30154 W 121st St #PH
South Harlem · 14.2mi
$1.25M3/2$10554d
similar size

Broker-speak translator

1 caution phrase worth noting. 4 factual claims extracted.

Red flags
  • "won't last"has lasted; agent is trying to manufacture urgency
  • "must see"photos cannot tell the whole story — likely not in a good way
Verifiable facts
  • 1,600 sq ftSquare footage
  • 3 bedroomsBedrooms
  • 2 bathroomsBathrooms
  • built in 1962Year built
Marketing language
breathtakingmagnificent

Verdict: Hard-fails on flood zone a — auto-capped.

Financial Lab — scenario builder

Monthly payment
$2,441
Cap rate
4.72%
Cash-on-cash
0.8%
Break-even rent
$3,173
Saved scenarios appear in Portfolio and cross the habitat:scenario bridge to Finance.

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