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321 W 78th St APT 1E, New York, NY, 10024

2beds
1baths
0sqft
$999,000
--price/sqft
$6,294/moest. monthly cost
$251,760/yrincome needed

About This Home

This gut-renovated, turnkey two-bedroom apartment combines pre-war charm with exceptional modern finishes and highly sought-after features including an in-unit washer/dryer, high ceilings and plentiful storage. Upon entering, a magnificent kitchen welcomes you with a breakfast bar, Caesarstone countertops, pendant lighting, and premium Viking appliances including refrigerator, stove, dishwasher, microwave, and wine cooler. The layout opens to a bright living area with southern light and one-way window film on the windows for added privacy. The master bedroom faces the rear of the building for incredible quiet, complete with a walk-in closet featuring custom built-ins and a GE washer/dryer combo unit. Just outside is a spa-like bath with Carrera marble tiles, Toto toilet, and Kohler fixtures with a digitally controlled overhead rain shower. The second bedroom, located on the opposite side of the apartment, is equally peaceful. Additional conveniences include Tonal all-in-one home gym equipment and LED recessed lighting with Lutron dimming controls. 321 West 78th Street is a boutique, pre-war co-op featuring an elegant lobby with package room, 24-hour doorman (packages and deliveries brought directly to your door with text notifications), live-in super, laundry room, storage lockers ($50/month for half lockers; $100/month for full lockers), bicycle storage ($8/month), and dedicated AC unit storage. Nestled on a quiet tree-lined block near Riverside Park, the building is just moments from Central Park, the American Museum of Natural History, and the B and C subway lines, along with the nearby 1/2/3 trains. Pet-friendly and pied-à-terres permitted. Financing is permitted up to 75%. Flip tax of 2.5%, payable by seller. Note: Maintenance reflects a monthly credit of $145 for five years, paid by seller.

Getting Around

57
WalkingSomewhat Walkable
100
TransitRider's Paradise
78
BikeVery Bikeable

Schools

8/10
Ps 87 William ShermanGrades PK-50.3 mi
8/10
The Anderson SchoolGrades K-80.3 mi

Construction

Condition

  • Year built: 1925

Type & Style

  • Home type: Cooperative
  • Property subType: Coop

Interior

Appliances

  • Appliances included: Dishwasher,Washer/Dryer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 0118600591E
  • Special condition: Resale

Features

  • Has view: Yes
  • View description: City

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
  • Hurricane
    HurricaneModerate
  • 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
Hurricane
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 $5,051$60,612
Home Insurance *$406$4,872
Property Taxes $591$7,092
Electricity $246$2,954
Total$6,294$75,528
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$215,794/yr
40% on housing$188,820/yr
45% on housing$167,840/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 10024$1,421
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10024$800
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)

No zestimate history available

Price History

DateEventPrice
2026-05-08Price change$1,070,000
2026-04-10Listed for sale$1,150,000
2019-03-19Sold$850,000
2018-12-20Pending sale$995,000
2018-10-23Price change$995,000
2018-07-27Price change$1,095,000
2018-05-10Price change$1,195,000
2018-05-02Listed for sale$1,350,000
2017-10-10Sold$515,000

For Sale by Agent

AgentNick Oliver
BrokerageHauseit LLC

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