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27 Cottage St, Waynesboro, PA, 17268

2beds
1baths
1,095sqft
$89,900
$82price/sqft
$787/moest. monthly cost
$31,480/yrincome needed

About This Home

Calling all investors, flippers, and buyers looking for their next renovation project! This classic Colonial-style home is full of potential and ready for someone with vision to restore it to its former charm. This property provides the perfect opportunity to create your dream home or investment property. Outside, you'll find an additional storage shed. Whether you're looking for your next rehab project or a property with great upside potential, this home offers endless possibilities. Bring your ideas and imagination.

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
Summitview El SchoolGrades K-50.8 mi
6/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Permanent
  • Construction materials: Asbestos

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Dirt Floor

Bedrooms & Bathrooms

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

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,095

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,095
  • Total interior livable area: 1,095 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 245D01.101.000000
  • Zoning: RM
  • Zoning description: Medium Density Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 4,792 sqft

Parking

  • Parking features: Off Street

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
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather

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 $454$5,448
Home Insurance *$32$384
Property Taxes $77$924
Electricity $224$2,692
Total$787$9,444
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,982/yr
40% on housing$23,610/yr
45% on housing$20,986/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$82This listing

vs Other Active Listings

Avg $/sqft

ZIP 17268$131
Franklin County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 17268$180
Franklin County$172

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
2026-08-06Price change$79,900
2026-07-06Listed for sale$89,900

For Sale by Agent

AgentPaul Gunder
BrokerageColdwell Banker Realty

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