




109 Federal St, Bensalem, PA, 19020
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
Schools
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
- Coastal Flooding
- Ice Storm
- Winter Weather
- Cold Wave
- Earthquake
- Hurricane
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Pennsylvania Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,624 | $31,488 |
| Home Insurance * | $186 | $2,232 |
| Property Taxes | $519 | $6,228 |
| Electricity | $281 | $3,381 |
| Total | $3,610 | $43,320 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-09 | Listed for sale | $539,900 |
