




78 E 127th St APT 8, New York, NY, 10035
About This Home
Shown by appointment. Do not miss this rare opportunity to own a true 3 bedroom for under $300k! Must be an ALL CASH sale. Sold AS-IS. W/D allowed. Only 1 flight walk up. Low maintenance fee. Income Restrictions apply. Located on a quiet tree-lined block between Park and 5th Avenues at the merging of Central and East Harlem. Apt. 8 has been fully refurbished to eliminate the heavy lifting of a gut-renovation. Minimal work remains if one so desires. With exposures both to the Northeast and Southwest and windows in every room the apartment receives a lovely cross breeze and steady sunlight throughout the day. The intelligent floor plan maximizes space with an open kitchen to living room design, 5 ceiling height closets (8'9"), 3 true bedrooms, a windowed bathroom, restored original oak hardwood floors and a ceiling fan in the living room. Pet-friendly 78 East 127th St HDFC Coop lends itself to hassle-free travel with the 4,5, 6, 2 and 3 trains, the Harlem 125th St Metro North Station, as well as the crosstown M60SBS bus that runs to LaGuardia Airport merely 2 blocks away. Harlem's dynamic dining and nightlife scene both new and old as well as a variety of parks, bike paths, tree-lined streets, street fairs, concerts, artistic events, museums, art galleries, cultural centers, boutique shops, sport facilities and more surround the building, promising to keep you entertained all year round. 120% AMI income restrictions apply.
Getting Around
Schools
Construction
Condition
- Year built: 1909
Type & Style
- Home type: Cooperative
- Property subType: Coop
Interior
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 1
- Full bathrooms: 1
Features
- Flooring: Hardwood
Property
Details
- Special condition: Restricted Sale
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
- Cold Wave
- Inland Flooding
- Strong Wind
- Winter Weather
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in New York County and New York
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,339 | $16,068 |
| Home Insurance * | $168 | $2,016 |
| Property Taxes | $156 | $1,872 |
| Electricity | $246 | $2,954 |
| Total | $1,909 | $22,908 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-26 | Listed for sale | $265,000 |
