New York (Fulton/Seaport), NY, 10038 | $698,000

ULTRA-HIGH 13'+ CEILINGS AND MASSIVE WINDOWS are the hallmarks of this sun-flooded, oversized Alcove Studio Sleeping, Dining, or Home Office Alcove at 99 John Deco Lofts - Perfect for Investors or Primary Residents. The separate alcove offers an ideal division of space for dining or a home office.

Welcome to Apartment 1225 at 99 John Street, a beautifully appointed and oversized studio in one of the Financial District's premier full-service condominiums. Whether you are looking for a high-performing investment property or a stylish full-time residence, this spacious home offers flexibility, modern design, and outstanding value in the heart of Downtown Manhattan. All furniture also available for sale.

This expansive studio features a loft-like layout with soaring ceilings, beamed details, and generous proportions rarely found in new developments. Eastern-facing windows bring in abundant natural light, highlighting the open and airy feel of the space. A separate alcove offers versatility for use as a home office, dining area, or guest space-making it well-suited for your flexible lifestyle needs.

The kitchen is both sleek and functional, equipped with white lacquer cabinetry, Caeserstone countertops, and stainless-steel appliances. The bathroom is finished in elegant Carrera marble with a soaking tub and an oversized medicine cabinet for additional storage. A standout feature of the home is the massive, fully outfitted walk-in closet, along with additional closets that provide exceptional storage-an uncommon luxury in a studio layout.

Residents of 99 John enjoy an elevated lifestyle with a full suite of amenities including a 24-hour doorman and concierge, a state-of-the-art fitness center, a tranquil Zen garden with grilling stations, and a panoramic wrap-around roof deck with cabanas and sweeping city views. The building also features a resident lounge, children's playroom, indoor bike storage, and on-site valet services, with garage parking available for an additional fee.

Ideally located just one block from the Fulton Street Transit Hub, the building provides access to nearly every subway line in the city-including the 1, 2, 3, 4, 5, A, C, J, Z, N, R, W, and PATH trains-as well as the East River Ferry. A wide variety of dining, shopping, and cultural experiences are just steps away, including Eataly, the Seaport District, Pier 17, and the Oculus.

Apartment 1225 is a rare offering that combines generous space, thoughtful design, and unbeatable convenience-whether you're planning to live in it or rent it out.

Furniture is available for separate purchase. Please inquire with the listing agent for details.

Features

  • Town: New York
  • Cooling: Varies by Unit
  • Levels: 25
  • Rooms: 3
  • Baths: 1 full
  • Laundry: Building Other
  • Complex: Deco Lofts
  • Year Built: 1932
  • Common Charge: $640 Monthly
  • Approx Sq. Feet: 652
  • View: City
  • Pet Policy: Building Cats OK,Building Yes,Cats OK,Yes
  • MLS#: RLS20019708
  • Days on Market: 13 days
  • Website: https://www.raveis.com
    /prop/RLS20019708/99johnstreet_newyork_ny?source=qrflyer
Copyright © 2025  The Real Estate Board of New York, Inc., All rights reserved
All information is intended only for the Registrant’s personal, non-commercial use. This information is not verified for authenticity or accuracy and is not guaranteed and may not reflect all real estate activity in the market. RLS Data display by William Raveis Real Estate, Inc.
Listing courtesy of Brown Harris Stevens Residential Sales LLC   Phone: (212) 906-9234

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

New York (Fulton/Seaport), NY, 10038

$698,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $558,400 $558,400 $558,400
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.108% 7.063% 6.152%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,529 $3,668 $4,674
Total Monthly Payment $3,621 $3,760 $4,766

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.