156 recorded events, 1968–2026, from 8 city data systems. The city's paper trail here is mostly 50 HPD complaints, 37 HPD housing violations, 32 ACRIS deeds & mortgages.
Full record, year by year Support this site
A modest record — below the level that usually signals systemic problems. More recorded distress than 82% of 1-5-unit residential buildings citywide. The citywide median for 1-5-unit residential buildings is 0 penalty points per 10 units; this building carries 10. In ZIP 11212, 56% of residential buildings hold an A and 14% grade D or F. How grades work
Among 699,345 1-5-unit residential buildings citywide · left is less recorded distress, right is more
| Open HPD violations | 33 total — 4 class C (immediately hazardous), 26 class B, 3 class A. Oldest open since 2005-05-30. |
status snapshot refreshed weekly from HPD records
No heat or hot-water complaints in the last three years.
No bedbug-infested units reported in the last three years of filings.
1 service requests in the last three years. Most common: Dirty Condition (1).
No permitted work with a declared cost filed in the last decade. Permit costs cover filed construction work only — they do not capture routine maintenance or repairs done without a permit.
| Yes | Built before 1974 (1899) |
| No | Six or more residential units (2) |
| No | 421-a / J-51 tax benefit on the current tax roll |
1 of 3 signals present. Only a partial profile — stabilization is possible but less likely. The definitive answer for any unit: request its rent history from NYS Homes & Community Renewal (free, at hcr.ny.gov).
| Registered owner(s) | PHH Mortgage Corporation |
| Head officer | Colleen McEntee |
| Managing agent | Guardian Asset Management |
| Last registered | 2024-11-07 |
as filed by the owner in the building's HPD registration
| Tax year | City market value | Assessed value |
|---|---|---|
| 2025 | $806,000 | $48,360 |
| 2026 | $892,000 | $53,520 |
| 2027 | $880,000 | $52,800 |
The city's market estimate has risen 9% between tax years 2025 and 2027.
Not in the FEMA 1%-annual-chance floodplain (2015 preliminary maps).
Hurricane evacuation zone 6 of 6 — zone 1 evacuates first.
Not in the city's stormwater (cloudburst) flood maps under any modeled scenario.
No street-flooding or sewer-backup complaints on record at this address.
Sources: FEMA flood maps (coastal), NYC DEP Stormwater Flood Maps (cloudburst), NYC hurricane evacuation zones, and 311 records for this address.
| Subway | Saratoga Av — 3 · 0.2 mi straight-line (about a 6-minute walk) · station accessibility: none |
| Bus | Nearest boarding stop: Saratoga Av / Blake Av — B7 · 100 ft |
| Citi Bike | Legion St & Blake Ave · 250 ft · station location as of 2026-09-23; live availability |
| School zones (2024–25 map) | Elementary: Elementary schools in this district are not zoned. Confirm with the DOE's school search. |
Distances are straight-line, not walking routes. Transit locations from the MTA and Citi Bike, bike facilities from NYC DOT, school zones from the DOE's 2024–25 maps.
646 Saratoga Avenue
| Heat or hot water | Heat or hot water |
| Apartment maintenance | Apartment maintenance |
| Bed bugs | Bed bugs |
| Residential pests | Residential pests |
| Rats or mice | Rats or mice |
| Anything else | Anything else |
1 311 service request from this address in the last three years.
311 will ask for the address, the apartment if the problem is inside, and what's wrong. Contact details are optional for most complaints; food-poisoning reports can be anonymous. Complaints appear in the city's public 311 data, usually within a day or two, and then in the Live from 311 box on this page.
Managed by GUARDIAN ASSET MANAGEMENT — 301 buildings, 570 units. Grades across the portfolio: A80 · B98 · C60 · D38 · F22. See the whole portfolio
showing 60 of 301 buildings
Most recent mortgage recorded against this lot: $648,600 on 2026-03-23 (lender: Investor Mortgage Finance, LLC) (recorded via MERS). Face amount at recording — it may have since been paid down, refinanced or satisfied. View the recorded document.
| Date | Record | Amount | Per res. unit |
|---|---|---|---|
| 2026-03-23 | Mortgage $648,600 — from 646 SARATOGA LLC to INVESTOR MORTGAGE FINANCE, LLC; MORTGAGE ELECTRONIC REGISTRATION SYSTEMS | $648,600 | |
| 2025-12-01 | Deed $550,000 — from GLORIA M. OJEDA, EXECUTOR; ESTATE OF GILBERT RIVERA A/K/A GILBERTO to 646 SARATOGA LLC | $550,000 | |
| 2025-11-05 | Sold for $550,000 | $550,000 | $275,000 |
| 2006-04-14 | Mortgage $438,000 — from RIVERA, GILBERT to ARGENT MORTGAGE COMPANY, LLC | $438,000 | |
| 2006-04-14 | Deed $490,000 — from NORMAN, PAMELA to RIVERA, GILBERT | $490,000 | |
| 2005-08-19 | Mortgage $345,000 — from NORMAN, PAMELA to MERS | $345,000 | |
| 2004-07-27 | Mortgage $307,000 — from NORMAN, PAMELA to ARGENT MORTGAGE COMP. | $307,000 | |
| 2002-04-16 | Mortgage $240,000 — from NORMAN, PAMELA to HOMECOMINGS FINANCIAL NETWORK INC; MORTGAGE ELECTRONICREGISTRATION SYSTEMS | $240,000 | |
| 2000-10-04 | Mortgage $125,000 — from MILLS, BERNARD A to AMERICAN MORTGAGE EXPRESS CORP | $125,000 | |
| 1987-05-07 | Mortgage $33,750 — from MILLS, VETA I; MILLS, BERNARD A to CITY OF NEW YORK | $33,750 |
| Year | Housing & tenants | Ownership & money | Total |
|---|---|---|---|
| 2017 | 0 | 0 | 0 |
| 2018 | 0 | 0 | 0 |
| 2019 | 1 | 0 | 1 |
| 2020 | 8 | 0 | 8 |
| 2021 | 5 | 0 | 5 |
| 2022 | 4 | 0 | 4 |
| 2023 | 1 | 0 | 1 |
| 2024 | 0 | 0 | 0 |
| 2025 | 1 | 3 | 4 |
| 2026 | 0 | 1 | 1 |
Every one of the 156 recorded events, 1968–2026, is laid out year by year in the full report (print-ready).
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