28 Cliff St APT 4, New York, NY, 10038
About This Home
Truly unique home with low monthlies! Experience luxurious loft living in this 3-Bedroom + Office, 2-Bathroom with private rooftop. This exceptional full-floor duplex, offers a unique blend of contemporary design and historic charm. A few flights up brings you to this beautifully designed condo nestled in between the Financial District and South Street Seaport. Boasting 15' ceilings and oversized windows, natural light floods the space, illuminating the impeccable details and finishes throughout. The loft seamlessly combines industrial chic with modern elegance, featuring exposed brick and Russian White Oak floors. The chef's kitchen features top of the line appliances and unique skylight. Off the main floor, the primary bedroom has a beautifully renovated bath, separate walk-in closet and balcony. The duplex's top floor has two additional bedrooms with a second balcony. There is also an office designed as a convertible office/bedroom with a built in desk & drawers. At approximately 1,550 sq. ft, the roof gives you a rare opportunity to create your own entertainer's paradise! The home is complete with central air conditioning and washer/dryer. 28 Cliff Street is a self- managed Condominium in the Seaport Area, close to transportation; the Fulton Street Station, shopping; Fulton 55 Gourmet Market, Delury Square, and great restaurants; The Paris Cafe, Blue Ribbon, The Fulton by Jean George and Crown Shy to name a few.
Getting Around
Walker's Paradise
Rider's Paradise
Very BikeableSchools
Construction
Condition
- Year built: 1938
Type & Style
- Home type: Condo
- Property subType: Condominium
Interior
Appliances
- Appliances included: Dishwasher,Washer/Dryer
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
Cooling
- Cooling features: Central Air
Features
- Flooring: Hardwood
- Fireplace: Yes
Interior Area
- Total structure area: 2,025
- Total interior livable area: 2,025 sqft
Property
Details
- Parcel number: 000751014
- Special condition: Resale
Features
- Patio & porch: Other,Deck
- Exterior features: Balcony,Private Roof Deck
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
- Coastal Flooding
- Cold Wave
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in New York County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $13,905 | $166,860 |
| Home Insurance * | $541 | $6,492 |
| Property Taxes | $1,627 | $19,524 |
| Electricity | $334 | $4,015 |
| Total | $16,407 | $196,884 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-18 | Listed for sale | $2,750,000 |
| 2024-10-22 | Contingent | $2,695,000 |
| 2024-08-16 | Pending sale | $2,695,000 |
| 2024-06-26 | Price change | $2,695,000 |
| 2024-06-21 | Price change | $2,750,000 |
| 2024-04-01 | Price change | $2,695,000 |
| 2024-03-11 | Listing removed | -- |
| 2024-01-18 | Listed for rent | $12,500 |
| 2024-01-10 | Listed for sale | $2,750,000 |
| 2023-04-05 | Listing removed | -- |
| 2022-06-08 | Price change | $2,950,000 |
| 2022-05-23 | Listed for sale | $3,050,000 |
| 2022-04-07 | Listing removed | -- |
| 2021-10-04 | Listed for sale | $3,100,000 |
| 2006-09-28 | Sold | $1,260,000 |
| 2004-09-22 | Sold | $1,260,000 |
| 2000-10-11 | Sold | $850,000 |
| 1997-07-09 | Sold | $350,000 |
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