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123 Villa Rd, Saint Marys, PA, 15857

5beds
3baths
3,556sqft
$725,000
$204price/sqft
$5,002/moest. monthly cost
$200,080/yrincome needed

About This Home

GREAT PRICE REDUCTION BENEFITS YOU THE BUYER of this once in a lifetime'' property! This private 1.42 acre parcel is equivalent to 5 lots in this pride of ownership neighborhood. Custom hardwood trim and floors throughout! Central air and Central vac. Nine rooms provide plenty of space for family living or entertaining. A backyard paradise including a fire pit area and Hot Tub. Plenty of room for parking and vehicle storage with a double concrete drive with turn around and a two car integral and two car detached garage! Storage and built-ins accommodate all your needs from the spacious Wood-Mode kitchen to the Laundry/Hobby room off the kitchen to a multitude of cabinetry in the upstairs hall and hobby/office/bedroom with built-ins. This house has everything you could desire and more

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
19
BikeSomewhat Bikeable

Schools

6/10
7/10

Construction

Condition

  • Year built: 1995

Materials

  • Foundation: Concrete block
  • Roof: Shingle
  • Construction materials: Stick-Built

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Single-Unit

Interior

Appliances

  • Appliances included: Dishwasher,Refrigerator,Range,Microwave,Disposal

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Window features: Insulated
  • Fireplace features: Gas In Family Room
  • Fireplace: Yes
  • Finished area below ground: 75

Heating & Cooling

  • Heating features: Nat Gas Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,556
  • Total interior livable area: 3,556 sqft

Property

Details

  • Parcel number: 13132719979
  • Zoning: Residential Suburban

Features

  • Patio & porch: Fr porch,wrap deck

Lot

  • Lot size: 1.42 Acres
  • Lot size dimensions: 190' x 325'

Parking

  • Total spaces: 4
  • Parking features: Integral 2 Car
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Inland Flooding
Strong Wind

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 $3,665$43,980
Home Insurance *$253$3,036
Property Taxes $694$8,328
Electricity $390$4,681
Total$5,002$60,024
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$171,497/yr
40% on housing$150,060/yr
45% on housing$133,386/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: 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

$204This listing

vs Other Active Listings

Avg $/sqft

ZIP 15857$92
Elk County$88

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
2026-01-07Price change$725,000
2025-07-14Price change$749,000
2025-03-20Price change$799,000
2024-10-29Price change$825,000
2024-07-15Listed for sale$849,000
2015-08-18Listing removed$375,000
2014-10-30Price change$375,000
2014-09-15Listed for sale$455,000

For Sale by Agent

AgentBarbara Feidler
BrokerageElk County Real Estate

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