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14 Cowanesque St, Tioga, PA, 16946

3beds
2baths
2,628sqft
$249,000
$95price/sqft
$2,004/moest. monthly cost
$80,160/yrincome needed

About This Home

Charming Two-Story Home with Modern Updates & Historic Touches! Featuring 2,628 sq. ft. of living space, ideally situated in town with walkable access to local amenities. Featuring a new mini split heating system, 3 spacious bedrooms and 2 full bathrooms, this home blends classic charm with thoughtful modern upgrades — including a brand-new roof and an architecturally stunning two-story turret, both completed in 2024. Enjoy your morning coffee or evening unwind on the inviting wraparound porch, or entertain guests on the expansive rear deck that overlooks a private backyard with a privacy fence — perfect for gatherings, pets, or serene outdoor living. The detached two-car garage offers ample storage and convenience. Inside, you'll find warm, character-filled living spaces and room to customize or expand as you see fit. With great curb appeal, privacy, and functional outdoor living space. Sellers are requiring pre-approval or proof of funds to schedule a showing.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Year built: 1901

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Dirt Floor,Unfinished,Walk-Out Access

Bedrooms & Bathrooms

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

Heating & Cooling

  • Heating features: Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,628
  • Total interior livable area: 2,628 sqft

Property

Details

  • Parcel number: 3502A00019000

Features

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

Lot

  • Lot size: 0.50 Acres
  • Features: In Town

Parking

  • Total spaces: 1
  • Parking features: Garage,Detached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Lightning
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 $1,259$15,108
Home Insurance *$143$1,716
Property Taxes $314$3,768
Electricity $288$3,460
Total$2,004$24,048
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$68,708/yr
40% on housing$60,120/yr
45% on housing$53,440/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

$95This listing

vs Other Active Listings

Avg $/sqft

ZIP 16946
Tioga County$126

vs Homes Sold Last Month

Median $/sqft

ZIP 16946
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)

Price History

DateEventPrice
2025-08-04Listed for sale$249,000
2021-04-14Sold$130,000

For Sale by Agent

AgentKaren Hackett
BrokerageCowanesque Lake Realty LLC

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