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OPEN HOUSES ARE BY APPOINTMENT ONLY. ADVANCE SCHEDULING IS REQUIRED.
Spacious 5-Room Apartment with Flexible Layout & Multiple Exposures
Located at 231 West 148th Street in Harlem , this spacious five-room home at The Washington offers a flexible layout, excellent light, and thoughtful upgrades within a well-established HDFC cooperative community. With north-east, north-west, and south-west exposures , the apartment enjoys natural light throughout the day along with strong cross-ventilation, creating a bright and comfortable living environment.
The layout includes two generously sized, closeted bedrooms , a spacious and welcoming living room, a pass-through galley kitchen , and a windowed, closeted flex room that can easily function as a dining room, home office, den, or third sleeping area. This additional room adds long-term versatility and allows the home to adapt to changing needs over time. The apartment is well lit and well ventilated, with many light fixtures on dimmer switches and several three-way switches that allow lighting to be adjusted based on use and time of day. The living room is pre-wired with junction boxes for both a wall sconce and a ceiling fan, offering additional flexibility for layout and design.
The kitchen features stainless steel appliances , accent lighting along the granite counters , an oversized sink with a dedicated filtered-water spout, and a built-in dish soap dispenser. The pass-through design keeps the space connected to the living area while maintaining separation. The windowed full bathroom has been updated with new fixtures, offering a clean and refreshed feel. Both bedrooms are well proportioned, and the primary bedroom includes upgraded closet doors .
The apartment carries 154 shares , and the monthly maintenance of $1, 197 includes heat, hot water, and cooking gas, with approximately 39 percent of the maintenance tax deductible .
Built in 1920 and converted to cooperative ownership in 2003 , The Washington is a professionally managed, pet-friendly cooperative . The buildings at 231 and 239 West 148th Street are internally connected and share amenities that include a live-in superintendent , two central laundry rooms, a fitness room, a children's playroom, a community room, bike storage, and additional storage. A key-access community garden is located adjacent to the building, and a pay public parking garage directly across the street adds everyday convenience.
The building is subject to affordable housing income restrictions and follows a 250 percent Area Median Income (AMI) guideline . For 2026 , New York City's 250 percent AMI for households of one to four people ranges from approximately $283, 000 up to a maximum of $400, 000 . Bank financing of up to 90 percent is permitted , and gifts toward down payment or closing costs are accepted . There is no flip tax . As recommended by the cooperative, total monthly housing costs, including mortgage and maintenance, should not exceed 30 percent of gross monthly household income . Subletting is permitted after two years of residency, subject to board approval .
Transportation is exceptionally convenient. The 3 train stops at 148th Street just down the block , while the A, B, C, and D trains are accessible at 145th Street and St. Nicholas Avenue , providing easy access to Midtown and Downtown Manhattan. Nearby bus service includes the M1, M7, M102, and M148 , offering reliable north-south connectivity.
Set on a tree-lined block , the home is moments from Jackie Robinson Park , neighborhood cafés including Common Good Café , and everyday conveniences along West 145th Street such as Super Foodtown, New York Sports Club, Starbucks, and Duane Reade , along with a strong selection of nearby dining favorites including Bird in Hand, Briciola Harlem, Cucina Italian Tavern, The Handpulled Noodle, The Edge Harlem, Benyam, Lucille's Coffee and Cocktails , and the iconic Charles Pan-Fried Chicken . This residence offers space, flexibility, and long-term value within a thoughtfully maintained cooperative.
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.
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$559,000
William Raveis Real Estate
Phone: 888.699.8876
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VP, Mortgage Banker
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NMLS Mortgage Loan Originator ID 1880936
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $447,200 | $447,200 | $447,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | N/A | N/A | N/A |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,753 | $2,824 | $3,714 |
| Total Monthly Payment | $2,845 | $2,916 | $3,806 |
* 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.