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3697 Cottage Dr, Bethlehem, PA, 18020

2beds
2baths
1,598sqft
$450,000
$282price/sqft
$3,185/moest. monthly cost
$127,400/yrincome needed

About This Home

Don't miss your chance to own an immaculate home with Main Floor Living at The Cottages of Monocacy Creek (55+ community). This beautiful twin home features an open concept layout. The kitchen features a marble center island with seating, storage and stainless-steel appliances. An adjacent Dining Room can accommodate family gatherings and formal entertaining. The Great Room is accented with an impressive Coffered Ceiling, plenty of natural light and a cozy fireplace for cool days or nights. The spacious Primary Bedroom is ready for restful evenings and relaxation with access toa luxurious en-suite bathroom where you can enjoy your spa-like rain shower. There's more! a Secondary Bedroom, 2 car garage, covered patio, Ring Security System and mud room. Schedule your showing today! Price Adjustment

Getting Around

23
WalkingCar-Dependent
22
TransitMinimal Transit
33
BikeSomewhat Bikeable

Schools

5/10
East Hills Middle SchoolGrades 6-81.2 mi
4/10
Freedom High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Asphalt,Fiberglass
  • Construction materials: Stone,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Ranch
  • Property subType: Townhouse,Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Dryer,Electric Water Heater,Gas Cooktop,Disposal,Gas Oven,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Washer Hookup,Dryer Hookup,ElectricDryer Hookup,Lower Level

Basement

  • Basement: Crawl Space,None

Bedroom

  • Level: First
  • Dimensions: 12.30 x 12.20

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Dimensions: 16.20 x 10.00

Features

  • Dining Area,Eat-in Kitchen,Kitchen Island,Walk-In Closet(s)
  • Flooring: Laminate,Resilient
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,598

Foyer

  • Level: First
  • Dimensions: 13.00 x 6.00

Half Bath

  • Level: First
  • Dimensions: 8.80 x 15.00

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 1,598 sqft

Kitchen

  • Level: First
  • Dimensions: 12.20 x 15.70

Living Room

  • Level: First
  • Dimensions: 12.20 x 15.40

Master Bedroom

  • Level: First
  • Dimensions: 12.70 x 15.70

Other

  • Level: First
  • Dimensions: 5.60 x 9.70

Property

Details

  • Parcel number: M6_1_4_1_0204E
  • Attached to another structure: Yes
  • Zoning: Residential
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Covered,Patio
  • Exterior features: Patio

Lot

  • Lot size: 9,583 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Off Street,Garage Door Opener
  • 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

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

How This Home’s Risks Compare

Winter Weather
Cold Wave
Heat Wave
Inland Flooding
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 $2,275$27,300
Home Insurance *$146$1,752
Property Taxes $540$6,480
Electricity $224$2,692
Total$3,185$38,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,200/yr
40% on housing$95,550/yr
45% on housing$84,933/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: 8.8%
8.8%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.2%
-3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$282This listing

vs Other Active Listings

Avg $/sqft

ZIP 18020$195
Northampton County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 18020$197
Northampton County$207

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
2026-03-18Listed for sale$505,000
2026-02-16Pending sale$505,000
2026-01-02Listed for sale$505,000
2026-01-01Listing removed$515,000
2025-08-04Listed for sale$515,000
2025-08-02Listing removed$515,000
2025-06-17Listed for sale$515,000

For Sale by Agent

AgentDawn R. Malone
BrokerageKeller Williams Northampton

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