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209 120th St #3R, New York, NY, 10035

1beds
1baths
550sqft
$395,000
$718price/sqft
$2,727/moest. monthly cost
$109,080/yrincome needed

About This Home

Private Balcony • Condo Ownership • Low Monthly Costs • Pet Friendly! Rare opportunity to own a move-in ready one-bedroom condo with exceptional outdoor space in the heart of East Harlem. • Private balcony perfect for outdoor dining, entertaining, gardening, or relaxing • Spacious queen-sized bedroom with excellent closet space and natural light • Open-concept living and dining area • Pullman kitchen with stainless appliances • Dedicated dining nook or home office space • Full-sized in-unit washer and dryer • Oversized bathroom with generous storage • Additional private storage rights included • Access to a furnished common rooftop terrace with city views • Pet-friendly condominium • ButterflyMX smart video intercom system Located on a quiet residential block just moments from the vibrant dining, shopping, and cultural destinations of East Harlem. Convenient access to the 4, 5, 6 and Metro-North trains, making commuting throughout Manhattan and beyond effortless. Enjoy neighborhood favorites including Harlem Shake, Patsy's Pizzeria, Sylvia's, Marcus Garvey Park, Thomas Jefferson Park, Whole Foods, Costco, and the growing restaurant scene along Third Avenue and nearby Harlem. 207 East 120th Street #3R offers the perfect combination of private outdoor space, low monthly expenses, modern conveniences, and flexible condo ownership in one of Manhattan's fastest-growing neighborhoods.

Getting Around

98
WalkingWalker's Paradise
100
TransitRider's Paradise
83
BikeVery Bikeable

Schools

3/10
PS 96 Joseph LanzettaGrades PK-80.0 mi

Construction

Condition

  • Year built: 1924

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Washer/Dryer

Bedrooms & Bathrooms

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

Interior Area

  • Total structure area: 550
  • Total interior livable area: 550 sqft

Property

Details

  • Special condition: Resale

Features

  • Patio & porch: Other
  • Exterior features: Balcony
  • Has view: Yes
  • View description: City,Garden

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Inland Flooding
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 $1,997$23,964
Home Insurance *$251$3,012
Property Taxes $233$2,796
Electricity $246$2,954
Total$2,727$32,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,497/yr
40% on housing$81,810/yr
45% on housing$72,720/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

$718This listing

vs Other Active Listings

Avg $/sqft

ZIP 10035$615
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10035$999
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
2026-08-11Contingent$395,000
2026-06-20Listed for sale$395,000

For Sale by Agent

AgentChristine Layer
BrokerageCorcoran

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