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110 Gypsy Rd, Saint Marys, PA, 15857

3beds
1baths
1,750sqft
$239,000
$137price/sqft
$1,744/moest. monthly cost
$69,760/yrincome needed

About This Home

Timeless Hilltop Estate – A Legacy Property with Modern Peace of Mind Offered for the first time in 63 years, the storied Dostal Family estate invites you to experience life at the peak of Knights Hill. Spanning 2.87 pristine acres overlooking St. Marys, PA, this property perfectly balances a quiet country setting with the convenience of being just minutes from the heart of town. The Land & Exterior • Dual Access: Rare through-access bordering both Melody Lane and Gypsy Road. • Nature’s Bounty: Explore your own private woodland (one-third of the acreage), pick fruit from the apple grove and blueberry bushes, or relax under the shade of majestic pines and a 90-year-old oak tree. • Garden Oasis: A tranquil water pond and lush flower beds frame the back porch, creating the ultimate sanctuary. • Bonus Garage: A detached 2.5-stall garage on Melody Lane features a wood stove, recreation area, a pull-through stall, and a brand-new metal roof (2025). The Residence (Built 1933, Lovingly Maintained) • Character-Rich Living: The heart of the home is the 1970 sandstone fireplace, complete with stone bookshelves and a unique exterior log-loading window. • Flexible Layout: Features 3 main-floor bedrooms (one previously a grand library) and a 3-unit loft upstairs with built-in dressers and a central closet. • Endless Potential: The spacious upstairs bonus room—brightened by new windows—is ready for a home office, playroom, or a second bathroom (space already designated). • Modern Comforts: 2019 remodeled bath with a handicap tub, a basement-to-main floor stairlift, and a dedicated handyman’s workshop in the basement. Key Infrastructure & Updates • Roof: Main house reshingled in 2022. • Systems: New septic line (2024), hot water heater (2023), and a 5-year-old oil furnace with a backup wood stove. • Utilities: Dual water sources featuring city water and a freshwater well. • Windows: Upgraded upstairs windows installed in 2022. Don't miss this rare opportunity to own a piece of St. Marys history on a low-traffic, neighborly street where the views are as grand as the heritage.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
7/10

Construction

Condition

  • Year built: 1937

Materials

  • Roof: Shake / Shingle

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Range / Oven

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Carpet,Hardwood,Laminate
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air,Oil
  • Cooling features: Central

Interior Area

  • Total interior livable area: 1,750 sqft

Property

Details

  • Parcel number: 13132525879

Features

  • Exterior features: Other
  • Has view: Yes
  • View description: City,Mountain

Lot

  • Lot size: 3 Acres

Parking

  • Parking features: Garage - Attached,Garage - Detached

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
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 $1,208$14,496
Home Insurance *$83$996
Property Taxes $229$2,748
Electricity $224$2,692
Total$1,744$20,928
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,794/yr
40% on housing$52,320/yr
45% on housing$46,506/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$137This listing

vs Other Active Listings

Avg $/sqft

ZIP 15857$98
Elk County$90

vs Homes Sold Last Month

Median $/sqft

ZIP 15857$95
Elk County$291

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
2026-02-19Listed for sale$257,000

For Sale by Owner

AgentProperty Owner

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