Pine St

New York | New York

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BARNES NEW YORK

Presented At

$950,000

Bathrooms

Living

1,002

SQFT

High Ceiling

Elevator

Washer Dryer

Bar

Walk In Closet

Fitness Center / Gym

Kitchen island

Gas Stovetop

Pool

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 1

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 2

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 3

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 4

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 5

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 6

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 7

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 8

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 9

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 10

20 Pine St, New York, NY 10005, USA, New York, New York, United States. - Photo 11

Pine St

New York | New York

20 Pine St, New York, NY 10005, USA, New York, New York, United States. , New York , New York 10005

20 Pine St, New York, NY 10005, USA

Step into apartment 516, a spacious loft spanning 1,006 square feet at 20 pine street. This residence boasts rich dark hardwood floors, lofty ceilings, and an abundance of walk-in closet space. the stylish chef’s kitchen showcases granite countertops and high-end appliances, including an oven/range, drawer dishwasher, and refrigerator and a washer/dryer all in one. indulge in the oversized spa-like bathroom, a haven with a soaking tub and a separate rain shower, adorned with elegant imported stone. The dark-stained hardwood floors extend throughout, adding to the sophisticated ambiance. residents of 20 pine street enjoy a host of amenities, including a 24-hour doorman and concierge service, a state-of-the-art fitness center, a swimming pool, a turkish hammam, a golf simulator, and a residents’ lounge with billiards. Originally the morgan guaranty trust building from the 1920s, this residence boasts exquisite art deco architecture, a grand marble lobby, and a rich historical backdrop. situated in one of manhattan’s most prestigious neighborhoods, this residence provides easy access to world-class dining, shopping, entertainment, and efficient public transit with the fulton street station nearby. The 2, 3, 4, 5, a, c, r, w, j, z, and path trains are within reach. Explore the city by water taxi from pier 11, taking in breathtaking views on your way to brooklyn, queens, governor’s island, or even rockaway beach. The building is also a short distance from parks, plazas, specialty and gourmet markets, local museums, and attractions such as south street seaport, pier 17, and whole foods market.

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Property Location

20 Pine St, New York, NY 10005, USA, New York, New York, United States., New York New York

Local Weather & Climate

New York, New York

Current Conditions Updated recently

46 °F

Overcast clouds

Feels Like 40°F

Humidity 83%

Wind 15 mph

Visibility 6.2 mi

Sunrise 11:06 AM

Sunset 11:03 PM

5-Day Forecast

Mon 16 Mar

Rain

High 63°

Low 46°

Tue 17 Mar

Clouds

High 55°

Low 33°

Wed 18 Mar

Clouds

High 37°

Low 29°

Thu 19 Mar

Clouds

High 42°

Low 35°

Fri 20 Mar

Clouds

High 58°

Low 40°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around New York?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

Down Payment

$100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

Potential Tax Benefits (United States)

$0 Est. First Year Interest Deduction

$0 Est. Annual Tax Savings

*Based on post-2017 tax law. Actual deductions depend on filing status, itemization, and current tax laws.

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for United States. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on United States tax year 2025 (fiscal year: January-December), rules effective from 2018 through 2025. Tax laws change frequently and may have been amended since this data was compiled.

Tax Information Disclaimer

The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:

Does not constitute tax advice and should not be relied upon as such. Tax laws are complex and vary by jurisdiction, individual circumstances, and are subject to change without notice.
May not be current or accurate for your specific situation. Tax rules are updated frequently by governments, and the information shown may not reflect the most recent changes.
Uses simplified assumptions that may not apply to your circumstances, including filing status, total income, other deductions, alternative minimum tax considerations, and local tax variations.
Should not be used as the basis for any tax planning decisions or financial strategies without consulting a qualified tax professional licensed in your jurisdiction.

Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

$95,000,000

20 Pine St, New York, NY 10005, USA, New York, New York, United States.

New York, New York 10005

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Market Opinion

Ultra Luxury 84.6× median

View prices in:

Our perspective on current market conditions in New York. For informational purposes only — always consult a licensed real estate professional before making decisions.

Neutral Market

Balanced conditions. Negotiate wisely.

Buyer Score

Local Market Price Trends

Median home sale prices in New York, New York — ZIP code 10005 over the last 24 months. This shows how property values in this neighborhood have changed over time, helping you understand whether the market is appreciating, stable, or cooling.

This property is listed at $95,000,000

Area median: $1,123,498

+1.7% year-over-year (below the 3.5% historical avg)

Market Competition

Future Value & Wealth Building

Starting investment: $950,000 20% down ($190,000)

33.1 years

Double Your Investment

Based on current market trends, your property value could double

$518,992

10-Year Equity

Your potential equity after 10 years of payments and appreciation

$5,056

Monthly Investment

Estimated monthly mortgage payment (principal & interest)

$1,779,953

30-Year Wealth Potential

Total equity after full mortgage payoff with market appreciation

2.7x

Leverage Power

Your $190,000 down payment could grow to $518,992 in equity (10 yrs)

Investment Perspective

$1 → $1.23

Every dollar invested today could become $1.23 in 10 years

$100 → 123 $1,000 → $1,233

$55/day

Your home may appreciate while you sleep

$386/week $1,674/mo $20,092/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$216K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential -17% advantage over stocks

-$523K

+$519K

$519K Potential Equity

vs $523K lost to rent over 10 years

$190K Down Payment Growth

2.7x

10yr

$519K

5.3x

20yr

$1.0M

9.4x

30yr

$1.8M

Wealth Comparison

×4

Equivalent to 4 average US homes

top 10%

US household wealth ranking

Median: $193K Yours: $1.8M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

33.1

years

Market-Based Opportunity

2.11% effective/yr

17.2

years

Optimistic

4.12% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $1.1M +18%

Market $1.2M +23%

Optimistic $1.4M +50%

$519K est. equity

20 Years

Conservative $1.3M +39%

Market $1.4M +52%

Optimistic $2.1M +124%

$1.0M est. equity

30 Years

Conservative $1.6M +63%

Market $1.8M +87%

Optimistic $3.2M +236%

$1.8M est. equity

Historical Market Context

How current appreciation compares to long-term averages

National Long-Term Average

4.27 %

1967 – 2024

57 years of U.S. home price data

Recent Decade Average

6.5 %

2014 – 2024

Post-recovery bull market

Opportunity Zone

Current 3% appreciation is below the national historical average. This market may offer value opportunities.

Projections account for historical market cycles (~12% corrections every 6 years). Effective annual growth after corrections: 2.1%. Market scenario reflects current 3% YoY trend from Zillow (Apr 2026). These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from U.S. Census Bureau, World Bank, Zillow, and Redfin | Market data updated Apr 2026

Neighborhood Demographics

ZIP 10005 • 2022 ACS Data

8,801 Population

Median Age: 29.0

$189,886 Median Income

Very High

$1,750,000 Median Home Value

Rent: $3,501

88.8% College Graduates

Very High

Housing

Homeowners 13.0%

Renters 64.8%

Vacancy Rate 22.2%

Employment

3.4% Unemployment

20.1% Work From Home

Education Attainment (Age 25+)

High School+ 97.5%

Bachelor's+ 88.8%

Graduate+ 32.2%

Data from U.S. Census Bureau American Community Survey 2022

Local Market Trends

Real estate market data for New York

Balanced Market Balanced market conditions

$1,123,498

Median Sale Price

$4,681/mo

Avg Rent

Data provided by RentCast

Frequently Asked Questions

Common questions about this property

What is the size of 20 Pine St, New York, NY 10005, USA, New York, New York, United States?

This property offers 1,002 square feet of living space.

What is the listing price for 20 Pine St, New York, NY 10005, USA, New York, New York, United States?

This property is listed at $95,000,000, which equals $94810 per square foot.

What are the current real estate market conditions in New York?

In New York, home prices have increased 1.7% over the past year, it's currently a unknown. These market conditions can affect pricing strategies and negotiation opportunities.

Is now a good time to buy a home in New York?

Based on current market indicators, New York shows an active market. The market opportunity score is 50 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is 20 Pine St, New York, NY 10005, USA, New York, New York, United States?

This is a apartment located in New York, New York. The property is situated in an established neighborhood with convenient access to local amenities and services.