New York (West Harlem), NY, 10027 | $3,450,000

Move in-ready, Live-with-Income Townhouse with Exceptionally Low Taxes

A rare opportunity just half a block from Morningside Park, this distinguished townhouse offers generous proportions, refined finishes, and abundant natural light in one of Upper Manhattan’s most versatile neighborhoods. Rich in character and thoughtfully updated, the home blends elegant living spaces with exceptional flexibility, all surrounded by green space, culture, dining, and convenient transportation.

Configured as an owner’s triplex with two full-floor rental residences above, the property presents an ideal opportunity for end users and investors alike, including exceptionally low multi-family taxes. The owner’s residence offers expansive entertaining areas, seamless indoor-outdoor living, and beautifully renovated interiors, while the upper floor-through units provide bright, comfortable layouts with strong rental appeal.

Recent capital improvements include a new boiler, upgraded heating, and windows recently replaced. Move-in ready and highly versatile, this is a chance to own a true neighborhood townhouse with both lifestyle appeal and long-term investment value.

Garden Floor - Owner's Triplex
The garden level serves as a serene private retreat with direct access to the approximately 850-square-foot garden. This floor includes two generous bedrooms in the front, large hallway storage closet and full bath. Access the garden through the spacious, rear primary suite along with an en-suite bathroom complete with a soaking tub and a spacious walk-in closet.

Parlour Floor- Owner's Triplex
The parlour floor is the grand entertaining level of the owner’s triplex, distinguished by exceptional scale, character, and soaring ceilings. A dramatic 60-foot-long living and dining area anchors the space and is complemented by a wood-burning fireplace and a modern, open kitchen. An additional flexible room can easily function as a bedroom, library, or home office depending on the owner’s needs.

Cellar
The finished cellar level offers approximately 575 square feet of flexible space designed for storage, recreation, and everyday utility. This lower level includes a dedicated gym area, laundry with washer and dryer, and three separate utility rooms for electrical, boiler, and mechanical systems. Large windows bring in natural light, while ample storage is incorporated throughout the space for added convenience and organization.

Third Floor
The third-floor rental unit is a spacious floor-through residence with northern garden views and a bright, airy feel throughout. At the front of the home, a pass-through kitchen connects to an spacious living and dining area accented by exposed brick detail and three oversized windows. Two quiet north-facing bedrooms are tucked away at the rear overlooking the garden, while a full bathroom and hallway utility closet complete the layout.

Fourth Floor
The fourth-floor rental unit is a sunny floor-through apartment with south-facing exposures and private outdoor access. The bright front living room is lined with three large south-facing windows that fill the home with abundant natural light. The layout includes a pass-through kitchen, a full hallway bathroom, and a generously sized entry foyer. At the rear, the primary suite enjoys direct access to a private terrace and features two closets, while an additional large hall closet and in-unit washer and dryer provide added practicality and comfort.

Features

  • Town: New York
  • Levels: 4
  • Rooms: 11
  • Bedrooms: 8
  • Baths: 5 full / 1 half
  • Lot Size: 17.00 x 107.66
  • Laundry: See Remarks
  • Year Built: 1899
  • Approx Sq. Feet: 4,878
  • Est. Taxes: $3,151
  • View: City
  • Pet Policy: Building Yes,Yes
  • MLS#: RLS20092625
  • Days on Market: 23 days
  • Website: https://www.raveis.com
    /prop/RLS20092625/353w120thstreet_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 Vandenberg Inc   Phone: (212) 769-2900

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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
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New York (West Harlem), NY, 10027

$3,450,000

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 $2,760,000 $2,760,000 $2,760,000
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 $263 $263 $263
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $15,455 $16,770 $23,104
Total Monthly Payment $15,843 $17,158 $23,492

* 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.