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305 N Queen St, Lancaster, PA, 17603

2beds
3baths
3,316sqft
$895,000
$270price/sqft
$6,085/moest. monthly cost
$243,400/yrincome needed

About This Home

Exceptional mixed-use property located on the vibrant 300 block of North Queen Street in Downtown Lancaster. This unique offering combines a first-floor commercial storefront with an upscale residence on the 2nd & 3rd floors creating an ideal opportunity for an owner-occupant, investor, or entrepreneur seeking a live/work environment. The residence was custom designed to every detail and features 2 bedrooms, 2 full baths, a den/office, beautiful coffered ceilings, hardwood flooring, exposed brick accents, custom kitchen, and a spacious primary suite with a claw foot soaking tub, large closet and incredible windows showcasing western views of daily sunsets. The commercial space will be delivered vacant, providing flexibility for retail, office, gallery, or other permitted uses in the Central Business District. Located within walking distance of numerous restaurants, galleries, entertainment venues, Central Market, Penn Square, the Convention Center and more. Includes 1 off-street parking space.

Getting Around

98
WalkingWalker's Paradise
0
TransitVery Limited Transit
76
BikeVery Bikeable

Schools

5/10
Ross El SchoolGrades PK-50.6 mi
5/10
Reynolds Middle SchoolGrades 6-80.7 mi
5/10
McCaskey CampusGrades 9-120.9 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1858

Materials

  • Foundation: Other
  • Roof: Rubber
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2014

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Upper Level,Washer In Unit,Dryer In Unit

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • High Ceilings,Tray Ceiling(s)
  • Flooring: Hardwood
  • Finished area below ground: 0
  • Finished area above ground: 3,316

Heating & Cooling

  • Heating features: Heat Pump,Forced Air,Central,Electric,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,316
  • Total interior livable area: 3,316 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 3366779800000
  • Zoning: CENTRAL BUSINESS CORE
  • Special condition: Standard

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 1,742 sqft
  • Lot size dimensions: 0.00 x 0.00

Parking

  • Total spaces: 1
  • Parking features: Driveway,On Street
  • Has uncovered spaces: Yes
  • Uncovered 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Earthquake
Hurricane
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 $4,525$54,300
Home Insurance *$302$3,624
Property Taxes $895$10,740
Electricity $363$4,365
Total$6,085$73,020
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$208,628/yr
40% on housing$182,550/yr
45% on housing$162,266/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$270This listing

vs Other Active Listings

Avg $/sqft

ZIP 17603$165
Lancaster County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 17603$187
Lancaster County$208

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
2026-07-15Price change$895,000
2026-06-15Listed for sale$945,000

For Sale by Agent

AgentAlex Ebert
BrokeragePPM Real Estate, Inc.

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