147 W 105TH Street, #1E, New York (Manhattan Valley), NY, 10025 | $1,100,000

 

Sprawling 4-5br Upper West Side HDFC Co-op with Unbelievably Low Maintenance.

This huge, parlor-level, South-facing home has all-day light, 11ft ceilings, and gorgeous pre-war details. Move right in (with some kitchen upgrades) or transform the space into your dream layout. The proposed alternate floor plan presents an option to open up the space for loft-like living, but that is just one of many possibilities for this versatile home. This well-run HDFC is self-managed, keeps monthly maintenance incredibly low, makes continual improvements to the building, and is flexible with renovations. Other owners in this line have recently moved the kitchen towards the front of the apartment, added a bathroom, and installed a split HVAC system. All renovations are subject to board and DOB approval.

High ceilings, big brand-new windows with South and North exposures, great natural light, large closets, generous footprint, and two beautiful decorative mantles define this residence. The original details in excellent condition can be easily preserved, including original hardwood floors, intricately designed solid-wood entryways and doors, decorative moldings and tall baseboard moldings, pocket shutters, and glass transoms. This home also features windowed kitchen and bathroom.

145-147 West 105th Street is a neighborly, well-maintained, pet-friendly brownstone HDFC co-op, comprised of two buildings with a total of 20 units. The co-op has recently replaced all windows and railings and added a new roof with solar panels - all with no assessments or maintenance increases. The next phase of capital improvements will include renovation of the lobby and hallways, also without assessments or maintenance increases, while maintaining a significant amount of reserves with no underlying debt. This apartment is owned by the co-op, and the proceeds of the sale will go into the building's budget to further bolster the reserve fund. Included in the maintenance are Spectrum cable, HBO and 1gig internet service. Additionally, the recently installed solar panels generate a credit to reduce the owners' individual electric bills.  The building's backyard features a porch swing, gas BBQ and pizza oven for owners' use. In-unit W/D allowed. Free bike storage. Additional storage in the basement for $25/month. 5% flip tax paid by seller.

HDFC income restrictions (165% of AMI) apply. Gifting is allowed.

Family of one - $187, 110

Family of two - $213, 840

Family of three - $240, 570

Family of four - $267, 300

Family of five - $288, 750

Family of six - $310, 200

The prime Upper West Side location is outstanding and in close proximity to Central Park, Riverside Park, Whole Foods, Westside Market, H Mart, Mamas TOO!, Silver Moon Bakery, Marlow Bistro, Community Food &Juice, Sal & Carmines Pizza, Saiguette, Cafe Du Soleil, Schatzies Prime Meats, Thai Market, Blue Bottle and dozens of other terrific bars, boutiques and restaurants. Transit is convenient with the 1, B, and C trains a few blocks away and easy access to several bus lines.

 

Features

  • Town: New York
  • Cooling: Other
  • Levels: 5
  • Rooms: 7
  • Bedrooms: 4
  • Baths: 1 full
  • Laundry: Building Other
  • Common Charge: $951 Monthly
  • View: Other
  • Pet Policy: Building Yes,No
  • MLS#: RLS20050720
  • Days on Market: 114 days
  • Website: https://www.raveis.com
    /prop/RLS20050720/147w105thstreet_newyork_ny?source=qrflyer
All information is intended only for the Registrant’s personal, non-commercial use. This information is not verified for authenticity or accuracy and is not guaranteed and may not reflect all real estate activity in the market. RLS Data display by William Raveis Real Estate, Inc.

William Raveis Family of Services

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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147 W 105TH Street, #1E, New York (Manhattan Valley), NY, 10025

$1,100,000

Ruiz Group SRQ

Sales Associates

William Raveis Real Estate

Phone: 941.544.3299

TeamRuiz@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $880,000 $880,000 $880,000
Term 360 months 360 months 180 months
Initial Interest Rate** 4.875% 5.750% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.001% 5.858% 5.681%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $4,657 $5,135 $7,190
Total Monthly Payment $4,782 $5,260 $7,315

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.