New York (Harlem), NY, 10027 | $2,595,000

Attractively located adjacent to the Central Harlem West Historic District, this elegant Neo-Grec legal Three-Family Brownstone townhouse with an additional Owner's basement apartment was built in 1910 and fully renovated in 2005. Rents are at full market value, with the rent roll currently at $135, 500, and the property has potential for excellent cash on cash return for an investor.

The house is divided into a Two-Bedroom Garden Duplex with access to the planted Back Yard (with shed) from both levels, and two charming One-Bedroom floor-through rental apartments. There is also a basement Owner's apartment with Back Yard access, for a total of 4, 860 square feet including the finished basement.

Features of the Property:

Owners Duplex
Spacious luxury 2-Bedroom Garden Duplex features exposed brick, hardwood floors, high ceilings and large windows for lots of natural light, extra storage and closets, and a large murphy bed for guests.
The Open Kitchen has a dishwasher and granite counters, and access to the private Deck with staircase to the sunny, peaceful Back Yard
the Bathrooms are fully tiled, with rain shower.
The Duplex also features its own washer and dryer, central HVAC, and recessed LED lighting

Two One-Bedroom Apartments
The two Loft-like One-Bedroom, One-Bathroom floor-through apartments on the upper two floors of the house also feature exposed brick, hardwood floors, central HVAC and lots of natural light.
Both have open Kitchens with dishwasher and granite counters, and the Bathrooms are fully tiled with bathtubs.
Both apartments also feature in-unit laundry and recessed LED lighting.

Owner's apartment
The property also has a charming Basement Owner's studio apartment, perfect for a pied-a-terre.
The Owner's apartment has a full Bathroom and Kitchenette, beautiful finishes, windows, and access to the Back Yard.


Neighborhood
This lovely townhouse property is just a few steps from Harlems Restaurant Row and shopping on 125th Street.
Conveniently close to transportation options including the 2/3 and B/C subway lines and the M2, M7 and M101 bus lines.
For recreation, the property is located between Mount Morris Park and Morningside Park.

This property will be delivered vacant with all paperwork provided. Please call today for more information and your private showing!





Features

  • Town: New York
  • Rooms: 14
  • Bedrooms: 5
  • Baths: 5 full
  • Units: 3
  • Lot Size: 1800
  • Laundry: Building Inside,Common Area,In Unit
  • Style: Loft
  • Year Built: 1900
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 4,860
  • Lot Size: 1800
  • Est. Taxes: $14,844
  • Pet Policy: Building No,No
  • Appliances: Dryer,Dishwasher,Washer
  • MLS#: RLS20076989
  • Days on Market: 105 days
  • Website: https://www.raveis.com
    /prop/RLS20076989/246w132ndstreet_newyork_ny?source=qrflyer
Copyright © 2026  The Real Estate Board of New York, Inc., All rights reserved
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.
Listing courtesy of Harlem Lofts Inc   Phone: 212-280-8866

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Sarah DeFlorioVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 1880936

347.223.0992

Sarah.DeFlorio@Raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

New York (Harlem), NY, 10027

$2,595,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Sarah DeFlorio

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 347.223.0992

Sarah.DeFlorio@Raveis.com

NMLS Mortgage Loan Originator ID 1880936

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $2,076,000 $2,076,000 $2,076,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 6.235% 6.058%
Monthly Tax Payment $1,237 $1,237 $1,237
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $11,625 $12,614 $17,379
Total Monthly Payment $12,987 $13,976 $18,741

* 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.