See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

138 Fern Mountain Rd, Somerset, PA, 15501

6beds
7baths
3,950sqft
$1,290,000
$327price/sqft
$8,975/moest. monthly cost
$359,000/yrincome needed

About This Home

Escape to the mountains in this extraordinary one-of-a-kind all-stone retreat nestled on over 2 private acres just minutes from Hidden Valley Resort. Currently operating as a successful Airbnb, this remarkable property comfortably sleeps nearly 20 guests, making it an exceptional investment, vacation home, or year-round residence. Designed for entertaining on a grand scale, the home features a state-of-the-art kitchen ready to host everything from intimate family dinners to large gatherings. Nearly every spacious bedroom boasts its own private en-suite, providing comfort and privacy for family and guests alike. Multiple balconies, a massive entertaining deck, and a sprawling yard that creates a setting to relax and take in the peaceful, cabin-like surroundings. Whether you're skiing the slopes, golfing championship courses, hiking scenic trails, snowmobiling through the mountains, or simply unwinding by the fire, this property places you in the heart of four-season recreation. Despite its secluded feel, you're less than an hour from Pittsburgh, a balance of privacy and convenience. Opportunities like this are incredibly rare. Whether you're searching for an unforgettable weekend getaway, a luxury mountain retreat, or a proven income-producing property, this one-of-a-kind home delivers it all. A must-see!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
16
BikeSomewhat Bikeable

Schools

4/10
Donegal El SchoolGrades K-34.9 mi
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1998

Materials

  • Roof: Asphalt
  • Construction materials: Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Two Story
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dryer,Dishwasher,Disposal,Microwave,Refrigerator,Stove,Washer

Basement

  • Has basement: Yes
  • Basement: Finished,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 7

Features

  • Flooring: Ceramic Tile,Hardwood
  • Number of fireplaces: 3
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,950
  • Total interior livable area: 3,950 sqft

Property

Details

  • Parcel number: 4622000047

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 2.10 Acres
  • Lot size dimensions: 2.1 acres

Parking

  • Total spaces: 2
  • Parking features: Built In,Garage Door Opener
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Hail
Landslide
Strong Wind
Winter Weather

FEMA Declared Disasters Across Pennsylvania Counties

Flood
Tropical Storm

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

MonthlyAnnual
Mortgage $6,522$78,264
Home Insurance *$730$8,760
Property Taxes $1,290$15,480
Electricity $433$5,200
Total$8,975$107,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$307,714/yr
40% on housing$269,250/yr
45% on housing$239,333/yr

Pennsylvania FAIR Plan Programs

Insurance Placement Facility of Pennsylvania/FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 8,982Commercial: 984
Total Premiums$5.34M
Total Exposure$1.33B

How 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.

Insurance Growth Rate5-year average: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$327This listing

vs Other Active Listings

Avg $/sqft

ZIP 15501$109
Westmoreland County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 15501$115
Westmoreland County$147

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

DateEventPrice
2026-07-16Listed for sale$1,290,000
1996-07-01Sold$4,000

For Sale by Agent

AgentSteve Limani
BrokerageREALTY ONE GROUP GOLD STANDARD

Similar Homes