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521 W 135th St APT 5-A, Manhattan, NY, 10031

2beds
1baths
650sqft
$349,990
$538price/sqft
$3,398/moest. monthly cost
$135,920/yrincome needed

About This Home

Perched on the top floor of a well-maintained cooperative on West 135th Street near Broadway, this thoughtfully renovated two-bedroom home offers an uncommon combination of light, privacy, storage, and value in the heart of Manhattanville/Hamilton Heights. The apartment features a spacious living room ideal for both relaxing and entertaining, a generously sized primary bedroom, and a versatile second bedroom that can easily function as a nursery, home office, guest room, dressing room, or additional storage space. Exceptional closet space throughout includes two oversized closets in the primary bedroom, a large closet in the second bedroom, and an additional utility closet in the hall — a rare luxury in New York City living. Located on the fifth and top floor, the apartment enjoys open sky views, abundant natural light, and a remarkable sense of quiet and privacy. With only one shared wall and no neighbors above, the home feels notably peaceful and insulated from city noise. From the windows, enjoy treetop views stretching toward the Hudson River and New Jersey — a perspective that gives the apartment an airy, elevated feel throughout the day. The residence has been extensively renovated with a clean, timeless aesthetic. The windowed kitchen features brand-new stainless-steel appliances, granite countertops, and classic white subway tile backsplash. The bathroom has also been fully updated with a new vanity, fixtures, and finishes. Hardwood floors run throughout the apartment. The cooperative is exceptionally well cared for by an engaged ownership community committed to maintaining the building while keeping costs reasonable. Monthly maintenance is an unusually low $558. Conveniently located just 1.5 blocks from the 1 train, with easy access to the A, B, and C lines as well, the apartment offers quick connections throughout Manhattan: approximately 13 minutes to the Upper West Side and Central Park, 15 minutes to Midtown, and 25–35 minutes downtown. City College is one block away, Columbia University is a short distance away, St. Nicholas Park is nearby, and the surrounding neighborhood offers a vibrant mix of restaurants, cafés, bars, and everyday conveniences — including grocery stores on and near the block, plus a 24-hour diner just half a block away. Please note that the building is a walk-up. For buyers comfortable with stairs, the top-floor setting offers a worthwhile tradeoff: enhanced light, quiet, privacy, and a uniquely elevated sense of space rarely found at this price point in Manhattan. Building is income restricted with an income cap of 120% of AMI. 1 person:$142,560, 2 people:$162,840, 3 people:$183,240, 4 people:$203,520

Getting Around

97
WalkingWalker's Paradise
0
TransitVery Limited Transit
69
BikeBikeable

Schools

7/10
Ps 192 Jacob H SchiffGrades PK-50.1 mi
6/10
Harold O Levy SchoolGrades 6-93.5 mi

Construction

Condition

  • Year built: 1915

Type & Style

  • Home type: Cooperative
  • Property subType: Coop

Interior

Appliances

  • Laundry features: Inside

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

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

Property

Details

  • Parcel number: 01988008810597865A
  • Special condition: Restricted Sale

Features

  • Has view: Yes
  • View description: Skyline

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 $1,769$21,228
Home Insurance *$1,176$14,112
Property Taxes $207$2,484
Electricity $246$2,954
Total$3,398$40,776
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$116,502/yr
40% on housing$101,940/yr
45% on housing$90,613/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

$538This listing

vs Other Active Listings

Avg $/sqft

ZIP 10031$497
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10031$537
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
2026-07-29Pending sale$349,990
2026-05-24Listed for sale$349,990
2023-04-20Sold$315,000
2023-02-10Sold$315,000

For Sale by Agent

AgentDon Moses
BrokerageEXP Realty NYC

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