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657 Reilly Holw, Smethport, PA, 16749

3beds
2baths
1,664sqft
$724,900
$436price/sqft
$5,147/moest. monthly cost
$205,880/yrincome needed

About This Home

Nestled on 40 picturesque acres just minutes from the small town of Smethport, this meticulously maintained brick ranch offers a rare opportunity to discover the natural beauty of Pennsylvania without sacrificing convenience. Located less than 10 minutes from town, the property is surrounded by mature trees with no visible neighbors. Four separate hayfields provide excellent opportunities for horses, hobby farming, gardening, or simply enjoying the scenic views. Mature blueberry bushes and an orchard add to the property's charm and self-sufficient appeal. The 1,664-square-foot home features three bedrooms and two remodeled full bathrooms. The kitchen includes granite countertops, while the spacious living areas offer comfort and functionality. A wood-burning fireplace with a hydronic water jacket is integrated with the hot water system and is capable of heating the entire home. Additional features include an attached two-car garage, a detached two-story two-car garage with concrete floors and water hookup, a full basement, survey on file, and enrollment in the Clean & Green program. Outdoor enthusiasts will appreciate the established ATV and UTV trails, excellent hunting opportunities, and close proximity to Pennsylvania State Game Lands. Two lakes located within 30 minutes provide boating, fishing, and camping opportunities. Whether you're looking for a country retreat, a hobby farm, a horse property, or simply a place to enjoy a quieter and more peaceful way of life, this exceptional property offers the space, privacy, and natural beauty that are becoming increasingly difficult to find. 3D virtual tour attached.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1977

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Brick,Copper Plumbing

Type & Style

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

Interior

Appliances

  • Appliances included: Built-In Range,Built-In Oven,Exhaust Fan,Gas Cooktop,Disposal,Gas Water Heater,Microwave,Refrigerator,Range Hood
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 2
  • Main level bedrooms: 3

Features

  • Ceiling Fan(s),Separate/Formal Dining Room,Entrance Foyer,Separate/Formal Living Room,Home Office,Country Kitchen,Kitchen Island,Pantry,Bedroom on Main Level
  • Flooring: Carpet,Ceramic Tile,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating

  • Heating features: Gas,Baseboard,Hot Water

Interior Area

  • Total structure area: 1,664
  • Total interior livable area: 1,664 sqft

Property

Details

  • Parcel number: 2401114004
  • Special condition: Standard
  • Horse amenities: Horses Allowed

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Open,Patio,Porch
  • Exterior features: Gravel Driveway,Patio
  • Horses can be raised: Yes

Lot

  • Lot size: 40.90 Acres
  • Features: Irregular Lot,Rural Lot,Secluded,Wooded
  • Lot size dimensions: 1444 x 1706

Parking

  • Total spaces: 4
  • Parking features: Attached,Electricity,Garage,Storage,Workshop in Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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 FloodingVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Cold Wave
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 $3,665$43,980
Home Insurance *$576$6,912
Property Taxes $682$8,184
Electricity $224$2,692
Total$5,147$61,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$176,468/yr
40% on housing$154,410/yr
45% on housing$137,253/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: 7.4%
7.4%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -0.3%
-0.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$436This listing

vs Other Active Listings

Avg $/sqft

ZIP 16749$61
McKean County$82

vs Homes Sold Last Month

Median $/sqft

ZIP 16749$84
McKean County$78

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
2026-08-12Price change$699,900
2026-07-16Price change$724,900
2026-06-23Listed for sale$749,900

For Sale by Agent

AgentNancy J. Rathbun
BrokerageHoward Hanna Professionals - Smethport

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