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jdMorgan - 2:13 am on Apr 24, 2010 (gmt 0)
Get all of the fluff out of that URL, and say what you (ultimately) sell. That's what people search for, and they likely don't much care who the realtor is.
I don't emphasize that kind of fluff in the <head> title, and I wouldn't put primary emphasis on it in the description either.
While keyword-in-url is not one of the top ranking factors, it *is* one of the top eyeball-grabbers when highlighted in titles, descriptions, and URLs in search results.
If you sell blue widgets in Elbonia, then those three words should take precedence in the URL and in both the <head> title and the page body title (e.g. in the <h1> tag).
People like concise. Fast. Focused. Short titles. Especially when they're bolded in the SERPs.
And highlighted words in URLs stand our most if the highlights are all together:
http:example.com/apartment-manhattan-new-york/001 [webmasterworld.com]
Opinions may vary. That's mine. Analyze your search referral stats in depth, and you may decide differently. :)
Jim