Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

278 Stump Dr, Rostraver Township, PA, 15012

4beds
4baths
2,336sqft
$445,000
$190price/sqft
$3,147/moest. monthly cost
$125,880/yrincome needed

About This Home

Welcome home to this beautifully maintained 4-bedroom, 2 full and 2 half bath residence offering over 2,300 square feet of thoughtfully designed living space. With major updates already completed and an ideal floor plan for today's lifestyle, this home is truly move-in ready. The heart of the home features an open-concept kitchen, dining nook, and living room, creating the perfect space for entertaining or everyday living. The kitchen offers both bar seating and a center island, making it easy to gather with family and friends. A neutral color palette throughout provides a timeless look that will complement any style. Need a dedicated workspace? The main-floor office with privacy doors offers the perfect setting for working from home, studying, or managing everyday tasks. Upstairs, you'll find four generously sized bedrooms, including a spacious owner's suite complete with a large walk-in closet and private bath. Everyone will appreciate the roomy layout and comfortable living spaces. The finished lower level adds even more versatility with a large family room, a custom built-in shoe bench conveniently located near the basement entrance, plus additional finished space currently used as a music room and home gym. Whether you need a playroom, media room, fitness area, or hobby space, the possibilities are endless. Step outside to enjoy your own backyard retreat. The expansive deck, new awning, and hot tub, all added in 2020, create the perfect place to relax or entertain. The level backyard provides plenty of room for pets and outdoor activities, while the hillside offers additional usable space. An invisible pet fence gives furry family members room to roam, and the storage shed provides extra space for lawn equipment and outdoor gear. Enjoy peace of mind knowing many of the home's major mechanicals have already been updated, including a new air conditioning system (2025), roof (2023), furnace (2019), and the outdoor entertaining upgrades completed in 2020. This home combines modern updates, functional living spaces, and outdoor enjoyment into one incredible package. Schedule your private showing today and see everything this exceptional property has to offer!

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
5
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2019

Materials

  • Roof: Asphalt
  • Construction materials: Brick,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Some Gas Appliances,Dishwasher,Disposal,Microwave,Refrigerator,Stove

Basement

  • Has basement: Yes
  • Basement: Full,Finished,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Features

  • Hot Tub/Spa,Kitchen Island,Pantry
  • Window features: Multi Pane,Screens
  • Flooring: Ceramic Tile,Laminate,Carpet
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 2,336
  • Total interior livable area: 2,336 sqft

Property

Details

  • Parcel number: 5609100212

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Has spa: Yes
  • Spa features: Hot Tub

Lot

  • Lot size: 9,748 sqft
  • Lot size dimensions: 0.2238

Parking

  • Total spaces: 2
  • Parking features: Built In,Garage Door Opener
  • Has garage: Yes

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

  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Lightning

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 $2,250$27,000
Home Insurance *$196$2,352
Property Taxes $445$5,340
Electricity $256$3,075
Total$3,147$37,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,897/yr
40% on housing$94,410/yr
45% on housing$83,920/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$190This listing

vs Other Active Listings

Avg $/sqft

ZIP 15012$120
Westmoreland County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 15012$150
Westmoreland County$147

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
2026-07-15Listed for sale$445,000
2019-04-08Sold$332,117
2018-12-24Sold$54,000

For Sale by Agent

AgentLisa Johnson
BrokerageEXP REALTY LLC

Similar Homes