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736 W 186th St APT 3B, New York, NY, 10033

1beds
1baths
950sqft
$450,000
$474price/sqft
$2,853/moest. monthly cost
$114,120/yrincome needed

About This Home

HUGE ONE BEDROOM/CONVERTIBLE JR 4 This sprawling home has it all: blue sky and pretty leafy views from every room, impressive proportion and flow, stunning light from the south and west, amazing closets, an eat-in kitchen PLUS a proper dining area. Rarely is this amount of space available at this price. And the bonus is that you can seamlessly convert to a JR 4 by modifying the kitchen’s dining area to a small bedroom! The kitchen has shaker-style cabinetry, butcherblock counters, subway tile backsplash and stainless appliances, including a dishwasher. Currently there is a charming, windowed breakfast area or home office which could easily become a bonus room if needs change. Spirited dinner parties and movie nights alike are a pleasure in this spacious living room with a separate, large dining area while the serene bedroom floods with light from the south-facing corner window and easily accommodates a king bed, sitting area and more. Even the bathroom is especially large, offering a classic pedestal sink, cast-iron soaking tub, wall subway tile and pretty blue micro floor tile. Throughout this Deco beauty are hardwood floors, tremendous closets, including a walk-in, high ceilings and 9 windows ushering in beautiful light and cross breeze. Quietly situated in a well-established Art Deco Co-op (aka 30 Overlook Terrace) with resident Super, laundry, bike and private storage and a lovely private garden with picnic tables, grill, plus outdoor play area for residents to enjoy. Sorry, no dogs at this time, but cats are welcome! Nearby you’ll find stunning Fort Tryon Park, the Cloisters, easy access to tennis courts and bicycling trails along the Hudson River and the Little Red Lighthouse plus the most breathtaking vistas on the island. Enjoy new cafes, restaurants and charming spots to market or pamper yourself with a facial or Pilates class. A few blocks south, the GWB Bus Station has opened with over 100,000 sf of retail shops, such as Marshalls, Fine Fare Supermarket, Gap outlet and Blink Fitness. Just around the corner is the A express which gets you to midtown in just 20 minutes. Also conveniently located near the 1 train, the M4/M5/M98 bus lines. Discover this thriving pocket of Manhattan and you’ll see why it has become a destination for so many savvy New Yorkers seeking real quality of life without compromise.

Getting Around

87
WalkingVery Walkable
100
TransitRider's Paradise
55
BikeBikeable

Schools

Construction

Condition

  • Year built: 1939

Type & Style

  • Home type: Cooperative
  • Property subType: Coop

Interior

Appliances

  • Appliances included: Dishwasher
  • Laundry features: Inside

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 950
  • Total interior livable area: 950 sqft

Property

Details

  • Parcel number: 02180016610644343B
  • Special condition: Resale

Features

  • Patio & porch: Other
  • Exterior features: Courtyard

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
  • Earthquake
    EarthquakeModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Cold Wave
Earthquake
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 $2,275$27,300
Home Insurance *$66$792
Property Taxes $266$3,192
Electricity $246$2,954
Total$2,853$34,236
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,817/yr
40% on housing$85,590/yr
45% on housing$76,080/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

$474This listing

vs Other Active Listings

Avg $/sqft

ZIP 10033$413
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10033$445
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$450,000
2024-11-18Listing removed$2,300
2024-10-12Listed for rent$2,300
2024-09-10Price change$420,000
2024-05-17Listed for sale$440,000
2014-03-17Sold$330,000
2013-10-20Listed for sale$339,000
2006-09-28Sold$295,000

For Sale by Agent

AgentKelly Cole
BrokerageCompass

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