New York (Central Harlem), NY, 10039 | $710,000

Up to 90% financing is permitted. LOW LOW MAINTENANCE of $1, 167/MONTH (includes taxes)!!! The income cap is set at 250% of the NYC Area Median Income (AMI) as determined by HUD, regardless of household size. The maximum allowable income is $284, 250. Financial requirements include a debt-to-income ratio of less than 30%. Subletting after 2 years of residency subject to board approval and there is no flip tax. Welcome to your new home at The Washington — a spacious and sun-filled 3-bedroom apartment that offers both comfort and style. This exceptional HDC residence provides a serene retreat in the heart of the city and is perfect for both relaxing and entertaining. Situated on a charming tree-lined street, the apartment boasts three generously sized bedrooms with ample closet space, beautifully maintained hardwood floors, a formal living and dining area, a full bathroom, and a convenient powder room. Built in 1920 and thoughtfully renovated and converted in 2003, The Washington is a well-maintained, pet-friendly HDC co-op located in the vibrant Upper Harlem neighborhood. Residents enjoy amenities such as a gym, bike room, community room, and playroom. Building features include a live-in superintendent, two central laundry rooms, fitness center, bike storage, additional storage units, a playroom, and a community space. A key-accessed courtyard garden with a barbecue area offers a peaceful retreat, and garage parking is conveniently located just across the street.

Features

  • Town: New York
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 1 full / 1 half
  • Lot Size: 0.000000x0.000000
  • Laundry: Common On Floor,Common Area,Laundry Room
  • Year Built: 1920
  • Common Charge: $1,175 Monthly
  • Approx Sq. Feet: 0
  • Est. Taxes: $0
  • Pet Policy: Building Yes,Cats OK,Dogs OK
  • MLS#: RLS20024273
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/RLS20024273/231w148thstreet_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 Compass   Phone: (212) 913-9058

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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
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

New York (Central Harlem), NY, 10039

$710,000

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 $568,000 $568,000 $568,000
Term 360 months 360 months 180 months
Initial Interest Rate** 7.250% 7.125% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.360% 7.290% 6.404%
Monthly Tax Payment $0 $0 $0
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,875 $3,827 $4,832
Total Monthly Payment $3,967 $3,919 $4,924

* 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.