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45 E 89th St APT 22AB, New York, NY, 10128

4beds
4baths
0sqft
$6,100,000
--price/sqft
$36,107/moest. monthly cost
$1,444,280/yrincome needed

About This Home

Rarely available high floor residence at 45 East 89th Street, 22AB offers sweeping Central Park and skyline views, two private balconies, and a flexible layout currently configured as 3 to 4 bedrooms with three-and-a-half baths. With condo-style rules, flexible ownership, and investor-friendly policies, this is a unique opportunity in a prime Upper East Side location. A gracious entry foyer leads to a large west-facing living room with oversized panoramic windows that frame Central Park and open directly onto a private balcony. Adjacent is a well-proportioned dining room that comfortably accommodates large gatherings, creating a practical flow for both entertaining and everyday use. The windowed eat-in kitchen is designed for efficiency, offering substantial storage and high-end appliances. A separate library/bedroom with open western views functions well as a den or guest room, adding to the home's versatility. The primary suite forms its own private wing, featuring a south-facing terrace, a generous sitting room and office area, an ample walk-in closet, and a luxurious en-suite bath with double sink, deep soaking tub, and stall shower. Two additional south-facing bedrooms, one with a bath en-suite, benefit from excellent storage. A dedicated laundry room and extensive built-ins further support comfortable daily living . The apartment includes an adjacent separate storage room. With exposures to the west, south, north, and east, the residence enjoys dramatic vistas that include Central Park, the Reservoir, the surrounding skyline, and striking sunsets. 45 East 89th Street is a full-service, pet-friendly building offering a full-time doorman, concierge, elevators, pool, playroom and gym. Located moments from Central Park, major transportation, dining, and cultural institutions, this home combines scale, views, and services in a sought-after Carnegie Hill setting.

Getting Around

99
WalkingWalker's Paradise
100
TransitRider's Paradise
75
BikeVery Bikeable

Schools

8/10
Ps 6 Lillie D BlakeGrades PK-50.4 mi
8/10
Jhs 167 Robert F WagnerGrades 6-80.8 mi

Construction

Condition

  • Year built: 1969

Type & Style

  • Home type: Condo
  • Property subType: Condop

Interior

Appliances

  • Appliances included: Dishwasher,Washer/Dryer
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 0

Property

Details

  • Special condition: Resale

Features

  • Pool features: Swimming Pool
  • Patio & porch: Other
  • Exterior features: Balcony
  • Has view: Yes
  • View description: City,Park/Greenbelt,Skyline,Water
  • Has water view: Yes
  • Water view: Water

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
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Inland Flooding
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 $30,844$370,128
Home Insurance *$1,408$16,896
Property Taxes $3,609$43,308
Electricity $246$2,954
Total$36,107$433,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,237,954/yr
40% on housing$1,083,210/yr
45% on housing$962,853/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 10128$1,718
New York County$1,487

vs Homes Sold Last Month

Median $/sqft

ZIP 10128$1,868
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
2026-05-07Contingent$6,100,000
2026-04-08Listed for sale$6,100,000

For Sale by Agent

AgentIleana Lopez-Balboa
BrokerageCorcoran

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