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405 4th St, Towanda, PA, 18848

5beds
2baths
1,632sqft
$225,000
$138price/sqft
$1,702/moest. monthly cost
$68,080/yrincome needed

About This Home

Enjoy private living with some nice woods in your big back yard. The oversized foyer flows to either the living room or directly on to large open area for the lovely new kitchen dining area. The laminate flooring is beautiful and the bedrooms are carpeted. There are vinyl replacement windows and a newer gas furnace. Come take a look at this!

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

5/10
Towanda Area El SchoolGrades 3-60.3 mi
--
Morrow El SchoolGrades PK-20.4 mi

Construction

Condition

  • Year built: 1926

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Has basement: Yes
  • Basement: Concrete,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 2
  • Full bathrooms: 2

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,632
  • Total interior livable area: 1,632 sqft

Property

Details

  • Parcel number: 4808604142000000

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Enclosed

Lot

  • Lot size: 0.39 Acres
  • Features: In Town
  • Lot size dimensions: .39

Parking

  • Parking features: On Street
  • Has uncovered spaces: 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
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Lightning
Inland Flooding

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 $1,137$13,644
Home Insurance *$146$1,752
Property Taxes $195$2,340
Electricity $224$2,692
Total$1,702$20,424
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,354/yr
40% on housing$51,060/yr
45% on housing$45,386/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 18848$100
Bradford County$121

vs Homes Sold Last Month

Median $/sqft

ZIP 18848$94
Bradford County$118

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)

No zestimate history available

Price History

DateEventPrice
2026-05-28Listed for sale$225,000

For Sale by Agent

AgentThomas Calaman
BrokerageJoAnne Kizer Real Estate

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