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195 Bay 46th St, Brooklyn, NY, 11214

--beds
3baths
1,040sqft
$1,699,000
$1,634price/sqft
$10,188/moest. monthly cost
$407,520/yrincome needed

About This Home

Excellent solid brick 2-family house with 3 above-ground levels on a 20x100 lot, building size 20x51.67. Property is in fantastic condition and move-in ready. Well-maintained and ideal for owner-occupancy or investment.

Getting Around

82
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

8/10
Ps 212 Lady Deborah MoodyGrades PK-50.2 mi
7/10
4/10
John Dewey High SchoolGrades 9-120.4 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Concrete Perimeter
  • Roof: Asphalt/Tar
  • Construction materials: Brick

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedrooms & Bathrooms

  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Flooring: Hardwood,Tile

Heating & Cooling

  • Heating features: Natural Gas,Hot Water
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,040
  • Total interior livable area: 1,040 sqft

Property

Details

  • Attached to another structure: Yes
  • Zoning: R5
  • Special condition: Arm's Length
  • Foundation area: 1040

Features

  • Stories: 3

Lot

  • Lot size: 1,933 sqft
  • Features: Back Yard,Front Yard
  • Lot size dimensions: 20x97

Parking

  • Total spaces: 2
  • Parking features: Private Drive,2 Spaces,Built-In Garage
  • Has garage: Yes
  • 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 Kings County and New York

Flood
Severe Storm
Snowstorm

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 $8,591$103,092
Home Insurance *$559$6,708
Property Taxes $792$9,504
Electricity $246$2,954
Total$10,188$122,256
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$349,302/yr
40% on housing$305,640/yr
45% on housing$271,680/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: 4.2%
4.2%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,634This listing

vs Other Active Listings

Avg $/sqft

ZIP 11214$620
Kings County$697

vs Homes Sold Last Month

Median $/sqft

ZIP 11214$568
Kings County$623

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
2026-04-16Price change$1,699,000
2022-08-31Pending sale$1,495,000
2022-07-18Listed for sale$1,495,000

For Sale by Agent

AgentXue Jin (Sophia) Huang
BrokerageE House Realty & Mgt. Inc.

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