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145 Morningside Avenue #2C, New York, NY, 10027

1beds
1baths
650sqft
$395,000
$608price/sqft
$2,700/moest. monthly cost
$108,000/yrincome needed

About This Home

NEWLY RENOVATED HDFC DREAM: Beautifully Renovated 1 Bedroom in Harlem. Don't miss this rare opportunity to own a move-in-ready one-bedroom apartment in a well-maintained HDFC building in the heart of Harlem. This thoughtfully renovated unit has been transformed into a modern haven, perfect for anyone seeking a comfortable and stylish home. Highlights: Sleek and Modern Kitchen: Featuring stainless steel appliances. Spacious and Functional Layout: Offers a large, light-filled primary bedroom and living room with hardwood floors. Ideal Location: Situated between 125th and 126th streets, you'll enjoy the world's easiest access to Morningside Park, playgrounds, and the A/B/C/D subway lines (just one block away). Community-Oriented Building: 145 Morningside is a well-kept HDFC co-op with a beautifully landscaped common garden, laundry room, bike storage, and pet-friendly policies (dogs case-by-case). Additional Information: HeatingFuel:Oil Above Ground,

Getting Around

98
WalkingWalker's Paradise
100
TransitRider's Paradise
60
BikeBikeable

Schools

6/10
Ps 154 Harriet TubmanGrades PK-50.2 mi
6/10
Columbia Secondary SchoolGrades 6-120.1 mi

Construction

Condition

  • Year built: 1900

Materials

  • Construction materials: Brick

Type & Style

  • Home type: Cooperative
  • Architectural style: Other
  • Property subType: Stock Cooperative,Residential

Interior

Appliances

  • Appliances included: Oil Water Heater
  • Laundry features: Common Area

Bedrooms & Bathrooms

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

Features

  • Other
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Oil,Radiant,Steam,Other
  • Cooling features: Wall/Window Unit(s)

Interior Area

  • Total structure area: 650
  • Total interior livable area: 650 sqft

Property

Details

  • Parcel number: 1952000400145000000002C
  • Attached to another structure: Yes
  • Special condition: None

Lot

  • Features: Near Public Transit,Near School,Near Shops

Parking

  • Parking features: On Street
  • Has uncovered spaces: Yes

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
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
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 $1,997$23,964
Home Insurance *$224$2,688
Property Taxes $233$2,796
Electricity $246$2,954
Total$2,700$32,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,571/yr
40% on housing$81,000/yr
45% on housing$72,000/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

$608This listing

vs Other Active Listings

Avg $/sqft

ZIP 10027$610
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)

No zestimate history available

Price History

DateEventPrice
2025-09-12Listed for sale$395,000
2025-06-04Listing removed$395,000
2024-07-02Price change$395,000
2024-06-04Listed for sale$425,000
2023-12-07Sold$200,000
2023-11-16Pending sale$200,000
2023-11-01Listed for sale$200,000
2023-06-10Sold$200,000
2023-06-08Pending sale$200,000
2023-05-17Listed for sale$200,000

For Sale by Agent

AgentDavid J. Gossett
BrokerageKeller Williams City Views

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