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118 S Water St, Knoxville, PA, 16928

4beds
4baths
3,066sqft
$239,000
$78price/sqft
$1,982/moest. monthly cost
$79,280/yrincome needed

About This Home

New price for this charming home enriched with character throughout! Nestled in the middle of town, this 3-4 bedroom home has ample space for your needs. The interior is a perfect combination of authentic character and rich history with many modern updates. You'll find a stylish living room complete with fireplace and window-lined turret sitting area, a versatile kitchen with an attached breakfast nook surrounded by new picture windows, a formal dining room and grand great room. The convenient first floor laundry room also includes a half bath. An additional room with attached 3/4 bath could serve as a downstairs bedroom or private office. Upstairs offers 3 bedrooms and 2 additional baths. The exterior boasts a 2 car garage/barn, covered porches at the front and side surrounded by tasteful landscaping and a large deck at the rear. A rare beauty that you won't want to miss! Please allow at least 24 hours notice for showings so that seller can make arrangements for the dog accordingly.

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1860

Materials

  • Foundation: Stone
  • Roof: Shingle
  • Construction materials: Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Concrete,Partial,Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 3,066
  • Total interior livable area: 3,066 sqft

Property

Details

  • Parcel number: 180300058000

Features

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

Lot

  • Lot size: 0.59 Acres
  • Features: In Town

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage,Detached,Oversized
  • 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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Inland Flooding
Lightning
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 $1,208$14,496
Home Insurance *$142$1,704
Property Taxes $296$3,552
Electricity $336$4,036
Total$1,982$23,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,954/yr
40% on housing$59,460/yr
45% on housing$52,853/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: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.7%
-3.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$78This listing

vs Other Active Listings

Avg $/sqft

ZIP 16928
Tioga County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 16928
Tioga County$126

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
2026-02-23Price change$249,000
2025-09-28Price change$259,000
2025-07-07Price change$275,000
2025-01-04Price change$285,000
2024-10-16Price change$295,000
2024-08-25Listed for sale$300,000
2013-12-09Sold$173,000
2012-11-16Listed for sale$179,000

For Sale by Agent

AgentVictoria Murphy
BrokerageMountain Valley Realty, Inc.

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