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42 Elm St, Eldred, PA, 16731

4beds
2baths
2,088sqft
$189,900
$91price/sqft
$1,482/moest. monthly cost
$59,280/yrincome needed

About This Home

This beautifully remodeled 4-bedroom, 2-bath home checks every box and then some. From the moment you step inside, you'll notice the warmth of gleaming hardwood floors flowing throughout, giving the home a timeless charm that pairs perfectly with its fresh, modern updates. The thoughtfully designed layout offers incredible flexibility, with two bedrooms and a full bath on the main level, ideal for guests, a home office, or single-floor living, and two additional bedrooms and a second full bath upstairs. The brand-new kitchen is a showstopper, featuring sleek stainless steel appliances that make cooking a pleasure, not a chore. Convenience is built into every corner of this home. Main-floor laundry means no hauling baskets up and down the stairs, and the attached 1–2-car garage keeps your vehicles protected year-round. Pull right in off the blacktop driveway, and you're home. Outside, the fun continues. A spacious backyard gives you plenty of room to relax and entertain, while a generous outbuilding provides the perfect spot to store lawn equipment and tools, keeping everything organized and out of sight. And the location? You're just a short walk from the park, making weekend mornings and evening strolls something to look forward to. Whether you're a first-time buyer or someone looking to downsize without sacrificing space, this move-in-ready gem truly has it all.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

7/10
Otto-Eldred El SchoolGrades PK-60.2 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1950

Materials

  • Foundation: Poured
  • Construction materials: Aluminum Siding,Copper Plumbing,PEX Plumbing

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Electric Range,Gas Water Heater,Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Separate/Formal Dining Room,Separate/Formal Living Room,Natural Woodwork,Bedroom on Main Level
  • Flooring: Hardwood,Laminate,Varies

Heating

  • Heating features: Gas,Forced Air

Interior Area

  • Total structure area: 2,088
  • Total interior livable area: 2,088 sqft

Property

Details

  • Parcel number: 0700234100
  • Special condition: Standard

Features

  • Patio & porch: Open,Porch
  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 10,018 sqft
  • Features: Rectangular,Rectangular Lot,Residential Lot
  • Lot size dimensions: 60 x 170

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingVery High
  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherVery High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Strong Wind
Cold Wave
Landslide

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 $960$11,520
Home Insurance *$115$1,380
Property Taxes $178$2,136
Electricity $229$2,749
Total$1,482$17,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,811/yr
40% on housing$44,460/yr
45% on housing$39,520/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$91This listing

vs Other Active Listings

Avg $/sqft

ZIP 16731$63
McKean County$86

vs Homes Sold Last Month

Median $/sqft

ZIP 16731$99
McKean County$78

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
2026-08-10Price change$179,900
2026-08-03Listed for sale$189,900
2026-06-26Pending sale$189,900
2026-06-23Listed for sale$189,900
2025-08-20Sold$22,800
2025-03-06Sold$1,866
2014-03-07Sold$962

For Sale by Agent

AgentPaul Pezzimenti
BrokerageHoward Hanna Professionals - Olean

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