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557 Railroad St, Windber, PA, 15963

3beds
1baths
1,198sqft
$74,500
$62price/sqft
$703/moest. monthly cost
$28,120/yrincome needed

About This Home

Lots of updates await in this move-in ready 3-bedroom, 1-bathroom half double featuring affordable taxes in Windber School District. The main level welcomes you with a bonus entry/mudroom area leading into a spacious living room and a recently refreshed eat-in kitchen complete with beautiful vinyl plank flooring, gorgeous cabinetry with new hardware, and convenient laundry hookups. Upstairs features three bedrooms, all with brand-new carpeting, along with a refreshed full bath. Additional highlights include a metal roof, double-pane windows, and a newer furnace and hot water tank in the basement, which is also plumbed for an added toilet and sink. Outside, you can enjoy a large covered back porch, a rear yard, and an additional lot that includes a carport for convenient off-street parking.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

6/10
Windber El SchoolGrades PK-51.7 mi
6/10
7/10
Windber Area High SchoolGrades 9-120.7 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1900

Materials

  • Roof: Metal
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished,Walk-Up Access

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Window Treatments
  • Window features: Window Treatments
  • Flooring: Vinyl,Carpet

Heating

  • Heating features: Hot Water,Oil

Interior Area

  • Total structure area: 1,198
  • Total interior livable area: 1,198 sqft

Property

Details

  • Parcel number: 500011660

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 3,920 sqft
  • Lot size dimensions: .09

Parking

  • Total spaces: 1
  • Parking features: Covered

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
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
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 $376$4,512
Home Insurance *$42$504
Property Taxes $61$732
Electricity $224$2,692
Total$703$8,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$24,102/yr
40% on housing$21,090/yr
45% on housing$18,746/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: 11.2%
11.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.1%
-1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$62This listing

vs Other Active Listings

Avg $/sqft

ZIP 15963$63
Somerset County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 15963$93
Somerset County$94

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
2026-08-04Price change$66,900
2026-08-04Price change$69,900
2026-07-26Listed for sale$74,500
2026-05-11Sold$31,250
2026-04-21Pending sale$41,500
2026-03-12Listed for sale$41,500

For Sale by Agent

AgentRachael Shroyer
BrokerageBERKSHIRE HATHAWAY THE PREFERRED REALTY

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