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278 W 86th St APT 5A, New York, NY, 10024

1beds
1baths
0sqft
$659,000
--price/sqft
$4,235/moest. monthly cost
$169,400/yrincome needed

About This Home

1 bed 1 bath with a PRIVATE 500 sq foot roof deck terrace nestled in a landmarked 19th-century townhouse. The roof deck is furnished, planted with an irrigation system and lighting both on timers. Very low maintenance of $893 per month! Great light and open views. The apartment floors have refinished and stained. Brand new windows throughout. Two new air conditioning units. Bathroom has been beautifully redone and features a skylight. The unit features high ceilings, open kitchen with stainless steel appliances with a gas stove. Situated in the heart of the Upper West Side between Broadway and West End Ave. This is a non-elevator, pet-friendly building with on-site laundry. The building is surrounded by a vibrant array of dining, shopping, and entertainment options and is in close proximity to Riverside Park, Central Park, and the American Museum of Natural History. The cross town bus is at your doorstep and the 1 subway station is on the same block. Pied-à-terres and Sublets are allowed. There is a monthly assessment of $372 scheduled to expire August 2026.

Getting Around

99
WalkingWalker's Paradise
100
TransitRider's Paradise
84
BikeVery Bikeable

Construction

Condition

  • Year built: 1893

Type & Style

  • Home type: Cooperative
  • Property subType: Coop

Interior

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 01233006010331445A
  • Special condition: Resale

Features

  • Patio & porch: Deck
  • Exterior features: Private Roof Deck

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
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Heat Wave
Winter Weather
Cold Wave
Hurricane
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 $3,332$39,984
Home Insurance *$268$3,216
Property Taxes $389$4,668
Electricity $246$2,954
Total$4,235$50,820
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,200/yr
40% on housing$127,050/yr
45% on housing$112,933/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 10024$1,422
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10024$800
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
2026-04-06Listed for sale$700,000
2015-10-28Listing removed$525,000
2015-10-28Listed for sale$525,000
2015-10-27Sold$520,000
2015-09-04Pending sale$525,000
2015-07-12Listed for sale$525,000

For Sale by Agent

AgentJoseph Peraino
BrokerageDouglas Elliman

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