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309 E 108th St APT 5C, New York, NY, 10029

3beds
2baths
1,800sqft
$779,000
$433price/sqft
$5,858/moest. monthly cost
$234,320/yrincome needed

About This Home

SUBMIT BEST AND FINAL OFFERS BY SUNDAY APRIL 26TH AT 5:00PM Enormous duplex loft in converted 1899 schoolhouse. Easily convertible to 4BR, as presently used (possibly 5BR). With approx. 1800 sq. ft., this apt has a fantastic layout for family life! Bathrooms upstairs and downstairs make this perfect for every type of living. Large open kitchen double height ceiling in LR, huge foyer/reception area and LR extension (den/4th BR) & BA downstairs - PLUS 3BR, BA & W/D upstairs. 14' ceiling and wraparound 10' windows provide incredible natural light throughout apt. Take this big house and make it into your dream home. Magnolia Mansion offers a fabulous (AND HUGE) backyard for residents to enjoy. And, if easy access to trains and buses wasn't already in place, the Second Avenue Subway (Q train) is under construction and will soon be a block away! This is perfect for a family or someone who wants great space to live/work and entertain. Great opportunity for one of a kind living in NYC! Come view this home see what's possible. Our standard operating procedure includes (but, not limited to) the following: Disclosure of all attendees at any/every showing required – proof of identity (Gov’t issued photo ID) required upon request. Any property which we list for/sale/rent will be in accordance with a Exclusive Right or Exclusive Agency agreement, unless specifically noted. We do NOT require Exclusive Listing Agreements when acting as Buyer’s Brokers. Mortgage pre-approval is not required to show properties for which we are the listing agent – however, it may become required, as negotiations commence. Mortgage pre-approval may be required, in some instances, for Buyer’s Brokerage. These operating procedures are subject to change. (Notice to be provided, in any such case.)

Getting Around

98
WalkingWalker's Paradise
100
TransitRider's Paradise
82
BikeVery Bikeable

Schools

3/10
Ps 146 Ann M ShortGrades PK-50.2 mi
5/10

Construction

Condition

  • Year built: 1926

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Washer/Dryer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 1,800
  • Total interior livable area: 1,800 sqft

Property

Accessibility

  • Accessibility features: Wheelchair Access

Details

  • Special condition: Resale

Features

  • Patio & porch: Other
  • Exterior features: Courtyard
  • Has view: Yes
  • View description: City,Garden,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
  • Winter Weather
    Winter WeatherRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
Coastal Flooding
Cold Wave
Inland Flooding
Strong Wind
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 $3,939$47,268
Home Insurance *$1,162$13,944
Property Taxes $460$5,520
Electricity $297$3,569
Total$5,858$70,296
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$200,845/yr
40% on housing$175,740/yr
45% on housing$156,213/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

$433This listing

vs Other Active Listings

Avg $/sqft

ZIP 10029$1,312
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10029$1,141
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
2026-04-08Price change$779,000
2026-03-13Price change$795,000
2025-07-07Listed for sale$899,000

For Sale by Agent

AgentScott Kinder
BrokerageScott Kinder, LREB

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