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549 W 123rd St APT 21H, New York, NY, 10027

1beds
1baths
750sqft
$599,000
$799price/sqft
$3,968/moest. monthly cost
$158,720/yrincome needed

About This Home

Let the Sun Flood into This Great Apt with Open Terrace, Wonderful Sunsets & River Views! Morningside Gardens @ 123rd & LaSalle St (124th St) Btw Amst & Bway. Live in the Heart of both Columbia’s South & the New North Campus on 125th. Welcome to this Charming & Spacious 1 BR, 1 Bath (750 SF Approx) apt with large (17 X 7) open terrace. What a great opportunity to own this generously sized, beautifully renovated special apt in excellence move-in-condition. The expanded windowed kitchen has been appointed with top-of-the-line stainless steel appliances, including Viking Stove with Viking vented hood, granite countertops & backsplash & undermounted lighting, tons of cabinet space, all making it a chef’s delight. The living room/dining area is very well proportioned and is perfect for entertaining and enjoying dinner parties. Bathroom is nicely renovated with a tiled walls, converted stall shower with overhead rain shower & glass door. Additional features include high-end track lighting thru-out, wood and stone textured walls, hardwood floors, wall to ceiling windows, hidden wires behind all walls with sound system & incredible custom closets (6 in total) completes this home. Enjoy listening to the birds & Riverside Church bells with a pleasant morning coffee or evening cocktail from your open terrace, the apt faces South with views all the way to the Edge @ Hudson Yards, West into Riverside Park, over Riverside Church, Grants Tomb & the Hudson River, plus views North to the George Washington Bridge, giving you a lovely Sunset. Make This Great Apt Your New Home! Morningside Gardens is a well-maintained, financially stable cooperative community consisting of six buildings set on eight acres of landscaped grounds with flowering gardens, mature plantings, fig and apple trees, sitting areas, picnic spaces, playgrounds, upgraded walkways, signage, and parking facilities. Residents enjoy an impressive range of amenities, including a state-of-the-art fitness center, children’s indoor playrooms, an outdoor playground, day care, a tweens’ activity room with pool table, air hockey, and table tennis, as well as clubs and workshops for ceramics, woodworking, photography, computers, and more. Additional conveniences include theater and meeting rooms, laundry, storage, garage parking, pet-friendly policies, 24/7 security, and an easy board process. Please note: no pied-à-terres, guarantors, or co-purchasing are permitted. Gifting is allowed, and the apartment must be used as a primary residence. The location places near the best of Morningside Heights, Columbia University, and Central Harlem, with restaurants, nightlife, shopping, health clubs, movie theaters, the Morningside Park Farmers Market, Whole Foods, and local cultural destinations all close by. Nearby institutions and landmarks include Columbia University, Barnard College, Teachers College, Manhattan School of Music, Jewish Theological Seminary, Union Theological Seminary, Riverside Church, Grant’s Tomb, Mount Sinai Morningside, Riverside Park, Sakura Park, Morningside Park, Hudson River Park, and Harlem River Piers. The area also offers excellent access to running and biking paths, tennis courts, and green space. Transportation is highly convenient, with access to the 1, 2, 3, A, B, C, and D trains, along with the M4, M11, M60, M100, M101, M104, and BX15 buses.

Getting Around

97
WalkingWalker's Paradise
100
TransitRider's Paradise
67
BikeBikeable

Schools

7/10
Ps 36 Margaret DouglasGrades PK-50.2 mi
6/10
Columbia Secondary SchoolGrades 6-120.2 mi
9/10
Ps 125 Ralph BuncheGrades PK-50.2 mi

Construction

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: 750
  • Total interior livable area: 750 sqft

Property

Details

  • Parcel number: 019780001108411521H
  • Special condition: Resale

Features

  • Patio & porch: Other,Terrace
  • Exterior features: Courtyard,Terrace
  • Has view: Yes
  • View description: City,Skyline,Water
  • Has water view: Yes
  • Water view: Water

Parking

  • Parking features: Garage
  • Has garage: Yes

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

  • Cold Wave
    Cold WaveRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hurricane
    HurricaneModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Heat Wave
Inland Flooding
Strong Wind
Winter Weather
Hurricane
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 $3,028$36,336
Home Insurance *$340$4,080
Property Taxes $354$4,248
Electricity $246$2,954
Total$3,968$47,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,045/yr
40% on housing$119,040/yr
45% on housing$105,813/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

$799This listing

vs Other Active Listings

Avg $/sqft

ZIP 10027$608
New York County$1,489

vs Homes Sold Last Month

Median $/sqft

ZIP 10027$620
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
2026-08-14Contingent$599,000
2026-07-15Listed for sale$599,000
2010-07-01Sold$390,000

For Sale by Agent

AgentAthena Tina Witt
BrokerageDouglas Elliman

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