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19 E Water St, Lock Haven, PA, 17745

--beds
--baths
1,448sqft
$149,900
$104price/sqft
$1,184/moest. monthly cost
$47,360/yrincome needed

About This Home

This recently remodeled 2 unit is the perfect home for the savvy investor or owner occupant. Two units each with 1 bedroom and 1 bathroom.

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
58
BikeBikeable

Schools

4/10
Robb El SchoolGrades K-40.4 mi
5/10
4/10

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Frame,See Remarks

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Features

  • Flooring: Carpet W/W,Vinyl

Heating & Cooling

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

Interior Area

  • Total structure area: 1,448
  • Total interior livable area: 1,448 sqft

Property

Details

  • Parcel number: 20-9780
  • Zoning: R

Features

  • Levels: Two
  • Has view: Yes
  • View description: City/Skyline

Lot

  • Lot size: 2,178 sqft

Parking

  • Parking features: None

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
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High

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 $757$9,084
Home Insurance *$69$828
Property Taxes $134$1,608
Electricity $224$2,692
Total$1,184$14,208
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,594/yr
40% on housing$35,520/yr
45% on housing$31,573/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: 8.6%
8.6%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.0%
-3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$104This listing

vs Other Active Listings

Avg $/sqft

ZIP 17745$99
Clinton County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 17745$114
Clinton County$128

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
2026-04-25Listed for sale$164,900
2025-04-25Sold$80,000
2025-03-16Pending sale$84,000
2025-02-15Listed for sale$84,000
2022-03-15Listing removed--
2021-08-02Listed for sale$84,000
2021-06-07Listing removed--
2021-02-27Price change$84,000
2020-09-01Price change$89,000
2020-05-16Listed for sale$93,000
2020-01-01Listing removed$99,900
2019-06-24Listed for sale$99,900

For Sale by Agent

AgentDavid W. Winkleman
BrokerageANCHOR REALTY, LLC

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