See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

109 Federal St, Bensalem, PA, 19020

4beds
4baths
2,568sqft
$519,000
$202price/sqft
$3,610/moest. monthly cost
$144,400/yrincome needed

About This Home

Welcome to 109 Federal Street, located in the highly desirable Waterside community in Bensalem. This stunning Annapolis model townhome offers 4 bedrooms, 3.5 bathrooms, and a thoughtfully designed living space across multiple levels, all set on a quiet street along the Delaware River. A standout feature of this home is the custom front porch—the widest in the community—perfect for relaxing and enjoying the peaceful surroundings. Inside, you’re greeted by a spacious foyer with abundant closet space and beautiful hardwood flooring throughout. The entry level also features a versatile theater room, ideal for a media space, home office, gym, or additional living area, along with access to the oversized 2-car garage with ample storage. The main living level boasts a bright, open-concept layout filled with natural light. The updated chef’s kitchen flows seamlessly into the living and dining areas, creating the perfect space for both everyday living and entertaining. A convenient powder room completes this level. Upstairs, you’ll find three generously sized bedrooms, all with new carpet, including one with its own en-suite bath and walk-in closet. The additional two bedrooms share a well-appointed hall bathroom. The top level is dedicated to the private primary suite, featuring new carpet, a spacious walk-in closet, en-suite bathroom, and sliding glass doors that lead to a private balcony—perfect for enjoying morning coffee or unwinding in the evening. With multiple outdoor spaces, a flexible floor plan, and a prime riverfront location, this home offers a perfect blend of luxury, comfort, and convenience. The Waterside community includes an 8-acre waterfront park, scenic walking paths, and easy access to shopping, dining, major roadways, a half mile away from public transit, and 12 miles from Center City!

Getting Around

34
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

5/10
6/10
5/10
Bensalem Twp High SchoolGrades 9-123.2 mi

Construction

Condition

  • Year built: 2015

Materials

  • Foundation: Slab
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Microwave,Built-In Range,Dishwasher,Disposal,Dryer,Refrigerator,Washer,Gas Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Walk-In Closet(s),Upgraded Countertops,Recessed Lighting,Primary Bath(s),Kitchen Island,Kitchen - Gourmet,Eat-in Kitchen,Open Floorplan,Family Room Off Kitchen,Dining Area,Combination Kitchen/Living,Combination Kitchen/Dining,Ceiling Fan(s)
  • Flooring: Wood
  • Finished area below ground: 0
  • Finished area above ground: 2,568

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,568
  • Total interior livable area: 2,568 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02064139D231
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Four
  • Stories: 4
  • Pool features: None
  • Waterfront features: River
  • Waterbody name: Delaware River

Lot

  • Lot size: 1,433 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 2
  • Parking features: Built In,Garage Faces Rear,Inside Entrance,Storage,Attached,On Street
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Coastal Flooding
    Coastal FloodingRelatively High
  • Ice Storm
    Ice StormRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Coastal Flooding
Ice Storm
Winter Weather
Cold Wave
Earthquake
Hurricane
Strong Wind
Tornado

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 $2,624$31,488
Home Insurance *$186$2,232
Property Taxes $519$6,228
Electricity $281$3,381
Total$3,610$43,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$123,771/yr
40% on housing$108,300/yr
45% on housing$96,266/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.1%
-3.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$202This listing

vs Other Active Listings

Avg $/sqft

ZIP 19020$221
Bucks County$275

vs Homes Sold Last Month

Median $/sqft

ZIP 19020$270
Bucks County$275

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
2026-04-09Listed for sale$539,900

For Sale by Agent

AgentStacey H Baumholtz
BrokerageWalter M Wood Jr Inc

Similar Homes