409 S Summit St, Derry, PA, 15627
About This Home
Charming Derry Township home with bonus lot & large detached garage! Welcome to this cute 2 bedroom home in the heart of Derry. Perfect for first time buyers, downsizers or those looking for extra space to grow as this property offers the unique advantage of an included additional lot right next door. Start your tour on the cozy covered front porch featuring a newer front door with a beautiful leaded glass window detail. Upon entry, you're greeted by a bright flex room, perfect for a home office, quiet reading nook or a dedicated play room. The heart of the home features vinyl flooring, an electric stove, a refrigerator and a stylish decorative tiled backsplash that adds a modern touch. The main floor flows seamlessly from the kitchen into a dining room a family room. Retreat upstairs to find two comfortable bedrooms & an impressively large full bathroom with plenty of room to move and lots of extra storage! The basement is clean, crisp and freshly painted in a neutral tone. Lots of extra storage can be found on this level. Steps leading to outside. Laundry hookups are conveniently located on this level. Enjoy a level manageable backyard perfect for gardening and pets. A concrete sidewalk leads to a large 2 car detached garage. A great space for car enthusiasts, hobbyists or anyone needing a workshop. Additional storage above the garage or convert it to a possible rental opportunity. Having the additional lot to the left of the home has so much future potential.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
Materials
- Roof: Asphalt
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Some Electric Appliances,Refrigerator,Stove
Basement
- Has basement: Yes
- Basement: Unfinished,Walk-Out Access
Bedroom2
- Level: Upper
- Dimensions: 16X11
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Den
- Level: Main
- Dimensions: 16X9
Dining Room
- Level: Main
- Dimensions: 11X10
Family Room
- Level: Main
- Dimensions: 12X11
Features
- Window Treatments
- Window features: Screens,Window Treatments
- Flooring: Vinyl
Heating & Cooling
- Heating features: Forced Air,Gas
- Cooling features: Other
Kitchen
- Level: Main
- Dimensions: 16X8
Master Bedroom
- Level: Upper
- Dimensions: 16X13
Property
Details
- Parcel number: 4542010102
Features
- Levels: One and One Half
- Stories: 1
Lot
- Lot size: 4,199 sqft
- Lot size dimensions: 0.0964
Parking
- Total spaces: 2
- Parking features: Detached,Garage
- Has garage: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Lightning
- Inland Flooding
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Pennsylvania Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $733 | $8,796 |
| Home Insurance * | $74 | $888 |
| Property Taxes | $145 | $1,740 |
| Electricity | $224 | $2,692 |
| Total | $1,176 | $14,112 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
Insurance Placement Facility of Pennsylvania/FAIR Plan
Wildfire
HailWindHow Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-26 | Price change | $155,000 |
| 2026-04-06 | Price change | $159,000 |
| 2026-03-31 | Price change | $164,500 |
| 2026-03-19 | Listed for sale | $165,000 |
| 2018-10-11 | Sold | $50,000 |
| 2018-09-04 | Pending sale | $55,000 |
| 2018-06-11 | Listed for sale | $55,000 |
| 2006-04-20 | Sold | $83,000 |
| 2003-04-08 | Sold | $63,000 |
| 2001-08-28 | Sold | $68,000 |
For Sale by Agent
View on Zillow