231 West 148th Street, #4-M, New York (West Harlem), NY, 10039 | $595,000

Spacious 3BR HDFC Opportunity with Ultra-Low Maintenance — Just $1335/Month (Includes Taxes!)

This is the one buyers wait for.

Welcome to The Washington — a sun-filled, oversized three-bedroom home offering incredible value, flexible layout, and rare affordability in the heart of Upper Harlem.

Positioned on a quiet, tree-lined block, this residence features three well-proportioned bedrooms, excellent closet space, and beautiful hardwood floors throughout. A proper living and dining area creates a true sense of separation and flow — ideal for both everyday living and entertaining. The home is complete with a full bathroom plus an additional powder room, a rare bonus at this price point.

Full-Service HDFC Co-op with Amenities

Originally built in 1920 and converted in 2003, The Washington is a well-maintained, pet-friendly cooperative offering:

Live-in superintendent
Fitness center
Bike storage
Community room & playroom
Two central laundry rooms
Private, key-access courtyard with BBQ area
Garage parking directly across the street

Financials & HDFC Requirements

Maintenance: $1335/month (includes taxes)
Financing: Up to 90% permitted
Income cap: $284, 250 (250% AMI, regardless of household size)
DTI requirement: Under 30%
Subletting: Allowed after 2 years (board approval required)
Flip tax: None

Opportunities like this are increasingly rare — a true three-bedroom with this level of space, condition, and carrying cost is hard to replicate.

Reach out to schedule a private showing.

Features