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165 W 126th St, New York, NY, 10027

4beds
6baths
3,430sqft
$2,300,000
$671price/sqft
$14,863/moest. monthly cost
$594,520/yrincome needed

About This Home

VALUE-PLAY IN CENTRAL HARLEM Located on a quiet, tree-lined block, 165 West 126 presents an exciting opportunity to own a renovated income-producing 2-family in the heart of Central Harlem. The limestone façade is adorned with the original prewar details from the early 1900’s. The house measures 17 ft wide, encompassing 3,340 square feet of above-grade living space plus a full-height basement and a landscaped private back yard. The residence is located near the A/B/C/D and 2/3 trains and is also convenient to incredible shopping as well as countless restaurants, all offering the flavor and vibrance of Harlem. OWNERS DUPLEX Enter through the garden level consisting of a separate dining area with a huge kitchen taking center stage. Step down to the sunken living room adorned with a decorative fireplace, custom storage and direct access to the landscaped backyard with a welcoming raised deck seating area sheltered by a pergola. Ascend the stairs to the Parlor level showcasing some of the home’s loveliest ornate prewar details. Here you will find 2 bedrooms and 2 fully renovated bathrooms. The Primary bedroom boasts a huge walk-in closet with custom interiors, an en suite bath with double sink/marble vanity and large stall shower. Step out and enjoy your very own private balcony overlooking the home’s backyard; the perfect spot to unwind with a nightcap. UPPER DUPLEX This unit floods with natural light. The lower, entertaining level, offers separate living and dining rooms anchored by an expansive kitchen with impressive cabinet storage and counter space. The upper floor is home to 2 huge bedrooms, washer/dryer, 2 bathrooms and great closets. CELLAR: A clean, open tiled cellar offers amazing storage, washer/dryer and even a bathroom! This is your opportunity to own a ready-made income-producing home perfectly situated in the epicenter of Central Harlem where culture and community remain the foundation of this historic neighborhood.

Getting Around

99
WalkingWalker's Paradise
100
TransitRider's Paradise
79
BikeVery Bikeable

Schools

4/10
Ps 154 Harriet TubmanGrades PK-50.1 mi
1/10

Construction

Condition

  • Year built: 1910

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Dishwasher,Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 4
  • 1/2 bathrooms: 2

Features

  • Flooring: Hardwood
  • Fireplace features: Decorative
  • Fireplace: Yes

Interior Area

  • Total structure area: 3,430
  • Total interior livable area: 3,430 sqft

Property

Details

  • Parcel number: 019110007
  • Special condition: Resale

Features

  • Patio & porch: Other
  • Exterior features: Balcony,Garden
  • Has view: Yes
  • View description: Garden

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
Strong Wind
Winter Weather
Tsunami

FEMA Declared Disasters in New York County and New York

Flood
Severe Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $11,630$139,560
Home Insurance *$1,307$15,684
Property Taxes $1,360$16,320
Electricity $566$6,802
Total$14,863$178,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$509,588/yr
40% on housing$445,890/yr
45% on housing$396,346/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 2.0%
2.0%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.0%
1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$671This listing

vs Other Active Listings

Avg $/sqft

ZIP 10027$604
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10027$620
New York County$1,203

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-10Listed for sale$2,450,000
2026-04-01Listing removed$2,575,000
2025-11-24Price change$2,575,000
2025-10-07Listed for sale$2,795,000
2014-06-10Sold$1,957,500
2006-09-28Sold$901,250
2004-10-25Sold$901,250
1998-06-10Sold$500

For Sale by Agent

AgentKelly Cole
BrokerageCompass

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