2,153

Homes for Sale in Manhattan, NY with 2-Bedrooms

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  • /8

    $1,895,000

    • 2 Beds
    • 2 Baths
    • 1,313 Sq Ft

    76 Madison Ave Unit 8B, New York, NY 10016

    Welcome to luxury living in the heart of Manhattan! Nestled in a prestigious highrise at 76 Madison Avenue, this spacious and modern 2-bedroom (1 Bedroom with Home office), 2-bathroom condominium offers 1,313 square feet of thoughtfully designed living space, combining style, comfort, and convenience. As you step into this meticulously maintained home, you’ll immediately be struck by its bright

    David Schwartz Compass

    76 Madison Ave Unit 8B, New York, NY 10016
  • /13

    $2,195,000

    • 2 Beds
    • 2 Baths
    • 1,400 Sq Ft

    140 Riverside Dr Unit 10J, New York, NY 10024

    Watch the seasons change and the boats go by from this 10th floor 2 bedroom, 2 bath home, located in the Normandy, an iconic pre-war building built in 1939 by notable architect, Emery Roth. With stunning views of the Hudson River and Riverside Park, this spacious home boasts a fantastic layout with a large living room, winged bedrooms and a sensational curved dining area sure to create a great

    Andrew 'Drew' Glick Brown Harris Stevens Residential Sales LLC

    140 Riverside Dr Unit 10J, New York, NY 10024
  • /7

    $995,000

    • 2 Beds
    • 2 Baths
    • 1,060 Sq Ft

    171 W 131st St Unit 10, New York, NY 10027

    A stunning, sun-filled penthouse with open views and an ideal layout. Penthouse 10 is a meticulously maintained 1,060-square-foot, two-bedroom, two-bathroom residence perched on the top floor of this boutique, LEED-certified condominium in Harlem. With eastern exposures, the home is filled with natural sunlight and enjoys tranquil views over the building's landscaped

    Mckenzie Ryan Douglas Elliman Real Estate

    171 W 131st St Unit 10, New York, NY 10027
  • /12

    $999,000 Open Sun 1PM - 2PM

    • 2 Beds
    • 1 Bath
    • 967 Sq Ft

    357 W 55th St Unit 2-G, New York, NY 10019

    Brought to market by Nicolle Nowitz of The Corcoran Group. No appointment needed for Sunday's open house. Perfectly situated on one of the most charming blocks in Hell's Kitchen, this mint-condition two-bedroom, one-bath residence is set within a classic pre-war building and offers a beautiful blend of timeless character and modern comfort. A gracious sunken living room creates

    Abra Nowitz Corcoran Group

    357 W 55th St Unit 2-G, New York, NY 10019
  • /12

    $3,495,000

    • 2 Beds
    • 2.5 Baths
    • 1,777 Sq Ft

    45 E 80th St Unit 6B, New York, NY 10075

    Welcome to Apartment 6B at 45 East 80th Street, a beautifully fully renovated residence in the heart of the Upper East Side, ideally located between Madison and Park Avenues. Enter through a gracious foyer that opens into a bright corner living room filled with natural sunlight from oversized windows overlooking picturesque townhouses along Madison Avenue, with charming brownstones,

    Marcos Cohen Douglas Elliman Real Estate

    45 E 80th St Unit 6B, New York, NY 10075
  • /11

    $5,600,000

    • 2 Beds
    • 2.5 Baths
    • 2,254 Sq Ft

    456 W 19th St Unit PHG, New York, NY 10011

    Come experience one of the most extraordinary and rarely available residences in all of West Chelsea. This architecturally significant duplex penthouse at 456 West 19th Street blends industrial elegance with refined modern living, featuring dramatic steel-framed windows that frame sweeping views of the Manhattan skyline. Penthouse G spans the 8th and 9th floors, offering two bedrooms, two and a

    James Morgan Compass

    456 W 19th St Unit PHG, New York, NY 10011
  • /16

    $3,999,000 Open Sun 2PM - 4PM

    • 2 Beds
    • 2.5 Baths
    • 2,046 Sq Ft

    22 Mercer St Unit 3A, New York, NY 10013

    ALL SHOWINGS AND OPEN HOUSE SHOWINGS ARE BY APPOINTMENT ONLY A voluminous 2,047 sqft 2-bedroom + office, 2.5-bathroom loft in a boutique full service condo in the heart of SoHo! This exquisite residence boasts soaring ceilings and oversized windows, creating an airy, inviting atmosphere. Enter into the foyer that leads to an expansive living and dining area featuring a cozy wood-burning fireplace

    Tracie Golding Compass

    22 Mercer St Unit 3A, New York, NY 10013
  • /17

    $2,280,000

    • 2 Beds
    • 2 Baths
    • 948 Sq Ft

    450 W 17th St Unit 1103, New York, NY 10011

    Stunning two-bedroom unit with skyline view! Welcome to The Caledonia, Unit 1103. This sophisticated residence offers 948 square feet of meticulously designed living space, featuring two bedrooms and two bathrooms, perfect for those seeking comfort and style in the heart of Manhattan. Upon entering, you are greeted by an abundance of natural light and breathtaking full city and

    Lei Chen Licensed as Lei Sheehan Corcoran Group

    450 W 17th St Unit 1103, New York, NY 10011
  • /14

    $2,550,000 Open Sat 9:30AM - 11PM

    • 2 Beds
    • 2 Baths
    • 1,137 Sq Ft

    212 W 72nd St Unit 17A, New York, NY 10023

    Bathed in natural light, this south-facing split two-bedroom, two-bath residence enjoys open city views and a thoughtfully balanced layout designed for both comfortable living and effortless entertaining. The open eat-in kitchen features stainless steel appliances, Caesarstone countertops, generous storage, and an expansive island that anchors the space. It flows seamlessly into the

    Ammanda Espinal Douglas Elliman Real Estate

    212 W 72nd St Unit 17A, New York, NY 10023
  • /14

    $4,250,000 Open Sat 12:30PM - 1:30PM

    • 2 Beds
    • 2 Baths

    515 Broadway Unit 4, New York, NY 10012

    Residence 4A is an extraordinary renovated loft with soaring 12 foot ceiling heights, located at 515 Broadway between Spring and Broome Streets, within a majestic Queen Anne style cooperative loft building in the heart of SoHo. This chic, column-free two bedroom, two bathroom residence is approximately 3,000 square feet, allowing for enormous rooms and a flowing layout. The thoughtful renovation

    Henry Hershkowitz Compass

    515 Broadway Unit 4, New York, NY 10012
  • /12

    $1,075,000

    • 2 Beds
    • 2 Baths
    • 1,174 Sq Ft

    380 Lenox Ave Unit 9G, New York, NY 10027

    If you are looking for a turnkey apartment in pristine condition, welcome to Apartment 9G at 380 Lenox Avenue. This beautifully renovated two-bedroom, two-bathroom residence offers a serene and thoughtfully designed living space, open city views, and an exceptional level of finish throughout. Upon entry, you are welcomed by nearly 10-foot ceilings, solid oak hardwood floors, and an

    Emma Kerins Brown Harris Stevens Residential Sales LLC

    380 Lenox Ave Unit 9G, New York, NY 10027
  • /7

    $1,150,000

    • 2 Beds
    • 1 Bath
    • 900 Sq Ft

    7 E 14th St Unit 709, New York, NY 10003

    Note: This unit is currently configured as a 1 bedroom with alcove, and in the offering plan as a 1.5 bedroom, commonly referred to as a "Junior-4" layout. There is potential for conversion to a 2 bedroom. Welcome to The Victoria, where refined living meets an unbeatable downtown location. Perfectly positioned just west of Union Square, this full-service residence sits at the

    Sabina 'Lori' Feiler Fluger Brown Harris Stevens Residential Sales LLC

    7 E 14th St Unit 709, New York, NY 10003
  • /14

    $2,895,000 Open Sun 12PM - 1PM

    • 2 Beds
    • 2 Baths
    • 1,375 Sq Ft

    49 E 21st St Unit 9A, New York, NY 10010

    Flatiron loft with an immaculate turnkey renovation. 43 feet of south-facing oversized windows, 11-foot ceilings, in a full-service condominium. Entering through the large foyer, there is an immediate sense of space and light. The double-width living room creates a dramatic loft feeling, with direct sunlight streaming through four 8-foot windows. The living room measures nearly 30 feet wide, with

    Michael Rubin Compass

    49 E 21st St Unit 9A, New York, NY 10010
  • /10

    $2,150,000 Open Sat 12PM - 2PM

    • 2 Beds
    • 2 Baths
    • 1,416 Sq Ft

    5 E 44th St Unit 11, New York, NY 10017

    SPACOUS FULL-FLOOR CONDO RESIDENCE DIRECT ELEVATOR ACCESS EXCEPTIONAL MIDTOWN LOCATION This full-floor 2-bedroom 2-bath residence has direct elevator access offering the ultimate in privacy and convenience. Located in a luxury condo bordering 5th Avenue, this homes' sophisticated features include a Bulthaup-designed open style kitchen with Miele, Sub-Zero, and Fisher Paykel

    Dan Ruiz Brown Harris Stevens Residential Sales LLC

    5 E 44th St Unit 11, New York, NY 10017
  • /9

    $1,795,000

    • 2 Beds
    • 2 Baths

    320 Central Park W Unit 8N, New York, NY 10025

    Situated in one of Central Park West's most coveted full-service cooperatives, this spacious two-bedroom, two-bathroom home is move-in ready, and offers elegant proportions, abundant light, and timeless prewar detail. A gracious oversized dining foyer sets the tone and provides an ideal layout for both everyday living and entertaining. The home features bright south-facing exposures,

    Emma Kerins Brown Harris Stevens Residential Sales LLC

    320 Central Park W Unit 8N, New York, NY 10025
  • /7

    $1,000,000 Open Sat 1PM - 2PM

    • 2 Beds
    • 1 Bath

    184 E 2nd St Unit 4G, New York, NY 10009

    Introducing a rarely available prewar condominium in the heart of the East Village! This stunning, newly renovated two-bedroom home is located in the back of a charming walk-up building on the fourth floor, offering a peaceful and quiet living experience. The north-facing communal backyards and large windows in every room provide ample natural light. The apartment boasts high ceilings

    David Rossman Eastpointe Residential Inc

    184 E 2nd St Unit 4G, New York, NY 10009
  • /15

    $1,895,000

    • 2 Beds
    • 2.5 Baths
    • 1,373 Sq Ft

    340 E 23rd St Unit PH3C, New York, NY 10010

    Experience the pinnacle of penthouse living in this sun-drenched 2-bedroom, 2.5-bathroom oasis. Boasting oversized floor-to-ceiling windows and a private balcony, PH3C offers breathtaking cityscape views and a sophisticated layout designed by world-renowned architect Philippe Starck. The Living Room & Kitchen Step into a modern kitchen that has been thoughtfully updated with stunning

    Brian Morgan Corcoran Group

    340 E 23rd St Unit PH3C, New York, NY 10010
  • /12

    $1,990,000

    • 2 Beds
    • 2 Baths
    • 1,347 Sq Ft

    125 W 22nd St Unit 9C, New York, NY 10011

    Welcome to Residence 9C at The Verde Chelsea, a sought-after boutique condominium where Chelsea and Flatiron meet. Situated on the 9th floor facing south, this sunny and well-priced 2-bedroom, 2-bathroom home offers a perfect combination of sophistication and comfort and is the best-priced and nicest 2 bed on the market in the neighborhood. As you enter, you’re greeted by a gracious foyer with a

    Cameron Aimonetti Compass

    125 W 22nd St Unit 9C, New York, NY 10011
  • /14

    $1,350,000

    • 2 Beds
    • 2 Baths
    • 1,214 Sq Ft

    301 W 118th St Unit PH1F, New York, NY 10026

    Experience the beauty of your city from the comfort of your private terrace at SOHA 118, where luxury meets convenience in the heart of Harlem. This sun-filled two-bedroom, two-bathroom condominium residence is thoughtfully designed to maximize both comfort and style. The layout offers an open living space complemented by a terrace, creating a seamless indoor-outdoor living experience. Refined

    Dianne Howard Compass

    301 W 118th St Unit PH1F, New York, NY 10026
  • /9

    $1,595,000

    • 2 Beds
    • 2 Baths

    321 W 78th St Unit 5B, New York, NY 10024

    This beautifully renovated classic five-room home consists of a large entry foyer, living room, formal dining room with double exposure (which easily converts to a proper third bedroom), separate kitchen, two bedrooms, two bathrooms, and the kind of quiet that's hard to find in the city. Sleek, modern and bright windowed kitchen with WOLF 4-burner gas range with grilling station, BEST

    Michael Villani Brown Harris Stevens Residential Sales LLC

    321 W 78th St Unit 5B, New York, NY 10024
  • /22

    $2,750,000

    • 2 Beds
    • 2.5 Baths
    • 1,310 Sq Ft

    225 E 19th St Unit 203, New York, NY 10003

    Luxury Condo Living Awaits at The Prewar at Gramercy Square Where timeless elegance meets modern sophistication. This exceptional two-bedroom, two-and-a-half-bath residence—with a dedicated office—offers an elevated lifestyle in one of Manhattan’s most coveted enclaves. Set high above the city’s energy, the home provides a serene retreat enriched with exquisite finishes and thoughtful design.

    Scott Kogos Howard Hanna NYC

    225 E 19th St Unit 203, New York, NY 10003
  • /6

    $425,000

    • 2 Beds
    • 1 Bath

    527 W 143rd St Unit 1, New York, NY 10031

    Welcome to this beautiful HDFC (Income Restricted - see guidelines below) home nestled in the heart of Hamilton Heights. It is currently configured as a 2-bedroom, 1-bath home with exposed brick walls, original prewar details, and high ceilings adding warmth and character throughout. This inviting apartment with low maintenance ($691) blends classic charm with comfort. The building is a Prewar

    Dianne Howard Compass

    527 W 143rd St Unit 1, New York, NY 10031
  • /10

    $3,250,000

    • 2 Beds
    • 2.5 Baths
    • 1,539 Sq Ft

    90 Lexington Ave Unit 8-D, New York, NY 10016

    All showings and open houses are by appointment. Please contact to schedule. Where Style, Space, and Sophistication Meet: A NoMad Gem With a Private Outdoor Oasis Welcome to a home that lives as boldly and beautifully as you do. This grand two bedroom, 2.5 bathroom condominium loft in the heart of prime NoMad delivers the ideal blend of serenity and city energy-with a private

    Josh Rubin Douglas Elliman Real Estate

    90 Lexington Ave Unit 8-D, New York, NY 10016
  • /15

    $1,850,000

    • 2 Beds
    • 2 Baths

    250 W 89th St Unit 8G, New York, NY 10024

    Located in a jewel-box condop, this generously proportioned two-bedroom, two-bathroom is distinguished by beautiful natural light, open corner views, and a thoughtful layout. A proper entry foyer creates a real sense of arrival before opening into the main living spaces. Beyond, the expansive living room stretches more than twenty-three feet in length, offering ample space for both seating and

    Michael Pellegrino Sothebys International Realty

    250 W 89th St Unit 8G, New York, NY 10024
  • /16

    $785,000

    • 2 Beds
    • 1.5 Baths
    • 1,100 Sq Ft

    362 Saint Nicholas Ave Unit 6A, New York, NY 10027

    Welcome to 362 Saint Nicholas Avenue, Apt 6A, located in the heart of Manhattan. This spacious two-bedroom, one-and-a-half-bath apartment offers stunning views of Saint Nicholas Park from every room, filling the home with natural light. The residence features beautiful hardwood floors and an open kitchen with stainless steel appliances, blue granite countertops, and maple wood cabinetry. The

    Socorro Fernandez Malvec Acquisitions LLC

    362 Saint Nicholas Ave Unit 6A, New York, NY 10027
  • /13

    $5,850,000 Open Sun 11:30AM - 1PM

    • 2 Beds
    • 2.5 Baths
    • 1,525 Sq Ft

    40 Bleecker St Unit 2F, New York, NY 10012

    Set within one of downtown's most coveted new developments, Residence 2F at 40 Bleecker is a generously scaled, loft-inspired split two-bedroom, two-and-a-half-bath home spanning over 1,525 square feet, complete with an 85 square foot private terrace and serene exposures over tree-lined Mulberry Street. Soaring 10-foot ceilings and oversized windows frame open views of NoHo's distinctive

    Chloe Chasanoff Brown Harris Stevens Residential Sales LLC

    40 Bleecker St Unit 2F, New York, NY 10012
  • /10

    $1,795,000 Open Sat 11AM - 12:30PM

    • 2 Beds
    • 2 Baths
    • 1,274 Sq Ft

    406 W 45th St Unit 3D, New York, NY 10036

    BRAND NEW EXCLUSIVE! Thorndale prewar condominium. Set within a converted century-old carriage house. Loft-like 2BR/2BA features streamlined living space that is at home in a rough-hewn framework of original exposed brick and thick cut timber beams. These rustic architectural elements are infused with luxe, modern design, high eleven-foot ceilings, wide plank hardwood flooring and large

    Donald Kemper Douglas Elliman Real Estate

    406 W 45th St Unit 3D, New York, NY 10036
  • /10

    $2,500,000

    • 2 Beds
    • 2 Baths
    • 1,342 Sq Ft

    322 W 57th St Unit 26-B, New York, NY 10019

    Perched high above Midtown West with picturesque West and South exposures, this 1,342 square foot two-bedroom, two-bathroom residence at The Sheffield delivers sweeping skyline views and refined condominium living at its best. From the moment you enter, the eye is drawn outward. Walls of oversized windows wrap the expansive living and dining area, framing open city vistas and extraordinary

    Denise Bongiovanni Compass

    322 W 57th St Unit 26-B, New York, NY 10019
  • /14

    $1,750,000 Open Sat 1PM - 2PM

    • 2 Beds
    • 2 Baths
    • 1,081 Sq Ft

    2250 Broadway Unit 6K, New York, NY 10024

    Welcome to Residence 6K at 2250 Broadway a light-filled corner duplex with private outdoor space. A true blank canvas, this residence presents an exceptional opportunity to customize and create your dream home in one of the Upper West Side s most desirable locations. This 2-bedroom, 2.5-bathroom home offers generous proportions, abundant natural light, and a private terrace, all within a

    Song Shi Jin Compass

    2250 Broadway Unit 6K, New York, NY 10024
  • /5

    $600,000

    • 2 Beds
    • 1 Bath

    35 Mount Morris Park W Unit 3E, New York, NY 10027

    This classic prewar home overlooking Marcus Garvey Park is filled with character, wonderful light, and soaring 10-foot ceilings. The residence offers a gracious layout with two bedrooms, one bath, a spacious living and dining area, an eat-in kitchen, and a charming nook, perfect for a home office providing both functionality and flexibility. Upon entering, you are welcomed by an impressive 20+

    Vie Wilson Compass

    35 Mount Morris Park W Unit 3E, New York, NY 10027
  • /10

    $495,000

    • 2 Beds
    • 1 Bath

    406 W 46th St Unit 3B, New York, NY 10036

    Don’t miss your chance to own this just renovated 2-bedroom sanctuary in vibrant Hell’s Kitchen. Blending classic charm with modern updates, this inviting home features a well-designed layout ideal for both everyday living and entertaining, highlighted by newly refinished hardwood floors throughout. The brand-new kitchen is thoughtfully appointed with quartz countertops, custom cabinetry, and

    Brendon O'Rourke Sothebys International Realty

    406 W 46th St Unit 3B, New York, NY 10036
  • /7

    $2,550,000

    • 2 Beds
    • 2 Baths
    • 1,100 Sq Ft

    111 W 67th St Unit 29F, New York, NY 10023

    JUST LISTED & TENANT IN PLACE UNTIL JUNE 1, 2026 VIEWS, VIEWS & VIEWS and LOCATION!!! This is the apartment you have been waiting for....DIRECT CENTRAL PARK VIEWS from EVERY ROOM!!!! 2 Bedroom 2 Bath that has been totally RENOVATED. Fabulous Chef's Kitchen with Stainless Steel Appliances, Miele Oven, Bosch Dishwasher, Generous Cabinets and with lots

    Peter Shevell Douglas Elliman Real Estate

    111 W 67th St Unit 29F, New York, NY 10023
  • /24

    $2,995,000

    • 2 Beds
    • 2.5 Baths
    • 1,426 Sq Ft

    527 W 27th St Unit 4C, New York, NY 10001

    This spacious two-bedroom, two-and-a-half-bath residence at The Jardim offers modern design and thoughtful details in one of West Chelsea’s premier boutique condominiums. Completed in 2019 and designed by award-winning architect Isay Weinfeld, the building features just 36 homes, a discreet porte-cochère entrance spanning 27th to 28th Street, full-time doorman service, and excellent security. The

    Ian Slater Compass

    527 W 27th St Unit 4C, New York, NY 10001
  • /6

    $975,000 Open Sun 12PM - 1PM

    • 2 Beds
    • 1 Bath

    310 E 46th St Unit 24H, New York, NY 10017

    OPEN HOUSES BY APPOINTMENT ONLY No board approval! Brand new, never lived in 2 bedroom home perched on the 24th floor with incredible City and River views. This stunning residence features bleached wide plank oak floors, ample closet and storage space including a customized walk-in closet, a chefs kitchen with quartz countertops, stainless steel Blomberg appliances and a Bertazzoni stove. The

    Melissa Leifer Keller Williams NYC

    310 E 46th St Unit 24H, New York, NY 10017
  • /19

    $2,150,000

    • 2 Beds
    • 2 Baths
    • 1,300 Sq Ft

    239 E 10th St Unit GARDEN A, New York, NY 10003

    ELEGANT AND METICULOUSLY RENOVATED TRIPLEX IN EAST VILLAGETownhouse-Inspired Residence with Outdoor Space AccessThis exceptional, architecturally designed triplex residence offers the scale and privacy of townhouse living combined with the convenience of a downtown condominium. Meticulously renovated from the ground up, the home reflects careful attention to craftsmanship, comfort,

    Michelle Levine R New York

    239 E 10th St Unit GARDEN A, New York, NY 10003
  • /20

    $2,999,999

    • 2 Beds
    • 2.5 Baths

    322 Central Park W Unit 4C, New York, NY 10025

    Enter off a semi-private landing into a grand open foyer and an impressive span of public entertaining space. To your right the grand living room has a working wood burning fireplace and direct Central Park & Reservoir views, to the left is a grand dining room with an abundance of built in storage and a gorgeous decorative fireplace. The private bedroom wing offers ample closet space as well as a

    Danielle Wiedemann Sothebys International Realty

    322 Central Park W Unit 4C, New York, NY 10025
  • /8

    $1,750,000

    • 2 Beds
    • 2 Baths
    • 1,234 Sq Ft

    525 Park Ave Unit 3D, New York, NY 10065

    Bring your architect and create a bespoke Park Avenue residence. Located in the distinguished pre-war condominium at 525 Park Avenue, Apartment 3D offers a rare opportunity to design a custom home in one of Manhattan’s most prestigious addresses. With approximately 10-foot ceilings, gracious proportions, and a versatile layout allowing for an array of living configurations, the apartment presents

    Sophia Elghanayan Compass

    525 Park Ave Unit 3D, New York, NY 10065
  • /11

    $2,425,000 Open Sat 11:30AM - 4:30PM

    • 2 Beds
    • 2 Baths
    • 1,595 Sq Ft

    88 Chambers St Unit 201, New York, NY 10007

    Welcome home to your new flexible loft space at the heart of Tribeca - With soaring 10’ 5 ceilings, oversized windows and gracious floor-plan.Enter via a virtual doorman and a key lock elevator that opens directly into the loft; this floor through space is graciously appointed. A flexible floor through layout allows for multiple configurations - including as a three bedroom or a two

    JASON BAUER Weichert Properties

    88 Chambers St Unit 201, New York, NY 10007
  • /10

    $749,000

    • 2 Beds
    • 2 Baths
    • 923 Sq Ft

    Unlisted Address

    Welcome to 265 W 131st St, your new home in the heart of Harlem! This gorgeous brownstone condo building combines the best of both worlds: modern living with historic charm. You’ll love the spacious units, each with hardwood floors, stainless steel appliances, modern countertops, and large windows that fill your rooms with natural light. Apartment Features-Stainless steel

    Corissa Natrowski Compass

    Unlisted Address
  • /13

    $1,739,000

    • 2 Beds
    • 2 Baths
    • 1,400 Sq Ft

    174 E 74th St Unit 14C, New York, NY 10021

    Views, Quiet, and Light: No-Compromise Upper East Side UnicornMost corner apartments force a choice: light or silence. This one refuses to compromise.Perched high above the Upper East Side, this triple-exposure residence exists at a whisper volumeeven with the windows wide open. By day, the horizon spans for blocks. By night, you are front-row for the neighborhood's architectural

    Nick Oliver Hauseit LLC

    174 E 74th St Unit 14C, New York, NY 10021

Showing Results 441 - 480, Page 12 of 18

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