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1032 S Michael St, Saint Marys, PA, 15857

3beds
1baths
1,778sqft
$268,000
$151price/sqft
$1,928/moest. monthly cost
$77,120/yrincome needed

About This Home

Beautiful 2-Story Home.Don't miss this well-maintained 3-bedroom, 1,778 sq. ft. home situated on a peaceful 1-acre lot. This inviting property offers the perfect combination of comfort, space, and functionality.Features include:3 bedrooms1 full bath and 2 half bathsLarge primary bedroom featuring a vaulted ceiling and skylights for abundant natural lightSpacious living areas perfect for everyday living and entertaining. 1 stall attached garage as well asOversized garage with room for vehicles, storage, or a workshop with heat, water and electric.Expansive 1-acre yard with space to relax, garden, or enjoy outdoor activitiesEnjoy the tranquility of country-style living while still being just minutes from the conveniences of St. Marys.Contact us today for more informatio

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

4/10
5/10

Construction

Condition

  • Year built: 1950

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Stick-Built

Type & Style

  • Home type: SingleFamily
  • Property subType: Single-Unit

Interior

Appliances

  • Appliances included: Dishwasher,Washer,Refrigerator,Range,Microwave,Dryer

Basement

  • Has basement: Yes

Bedrooms & Bathrooms

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

Features

  • Window features: Insulated
  • Finished area below ground: 0

Heating

  • Heating features: Natural Gas HW

Interior Area

  • Total structure area: 1,778
  • Total interior livable area: 1,778 sqft

Property

Details

  • Parcel number: 13132723692
  • Zoning: Residential Suburban

Features

  • Levels: 2 Story
  • Stories: 2
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 1 Acres

Parking

  • Total spaces: 1
  • Parking features: Attached
  • 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

  • Lightning
    LightningVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Inland Flooding
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 $1,355$16,260
Home Insurance *$93$1,116
Property Taxes $256$3,072
Electricity $224$2,692
Total$1,928$23,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,102/yr
40% on housing$57,840/yr
45% on housing$51,413/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.4%
-2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$151This listing

vs Other Active Listings

Avg $/sqft

ZIP 15857$97
Elk County$89

vs Homes Sold Last Month

Median $/sqft

ZIP 15857$95
Elk County$291

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
2026-08-14Pending sale$268,000
2026-07-27Listed for sale$268,000
2025-12-12Sold$255,000
2025-10-16Contingent$264,900
2025-09-22Price change$264,900
2025-08-29Listed for sale$269,999
2025-08-28Listing removed--
2025-07-31Listed for sale$270,000
2024-07-29Listing removed--
2024-05-01Pending sale$224,000
2024-04-29Listed for sale$224,000
2014-03-07Sold$84,000

For Sale by Agent

AgentLeah S. Whiteman
BrokerageElk County Real Estate

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