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1050 Wattersonville Rd, Cowansville, PA, 16218

6beds
7baths
8,447sqft
$2,995,000
$355price/sqft
$20,227/moest. monthly cost
$809,080/yrincome needed

About This Home

Some homes are about the house. This one is about the house and the river it sits on. 1050 Wattersonville Road is a custom white cedar log home built directly on the Allegheny River, with a private floating dock anchored in roughly 35 feet of water. That depth matters. It means a boat lives at the house instead of a marina, and the river is yours from the moment you walk down to the water. The home sits on about two acres in a quiet enclave of custom homes with no HOA, where the township maintains and plows the road and the school bus comes right to the door. A second lot next door is also available — two acres of its own, already served by a septic system and ready to build on, whether you want a guest house, a home for family, or simply your own buffer. Inside, the great room is its heart. A wall of windows frames the river and the wooded hillside beyond, with a vaulted tongue-and-groove ceiling carrying the eye up. The kitchen is built for people who actually cook and entertain, with stone counters, stainless steel appliances, a mirrored tile backsplash, and an island sized for a crowd. Six bedrooms are spread through the home for privacy, including a first-floor bedroom with its own loft and several ensuite layouts. There are six full baths and a half bath in all. Downstairs, the finished lower level keeps its own pace, with heated polished concrete floors, a bar, a double-sided fireplace, a guest room, and a full bath. Outside is where this property earns its keep. A 42-by-20 pool steps down to a covered pavilion with a full outdoor kitchen, a grill and griddle, and its own bathroom, so summer days never have to move indoors. A fire pit ringed with seating looks out over the water for the cooler evenings. The home is flanked by two oversized garages with parking for five and epoxy floors, with a finished office above one and a bunk room with a full bath above the other, room enough for a home business, overflow guests, or both. It was built to handle a rural riverfront life and built to last. A 25KW whole-house generator keeps everything running. The systems include tankless hot water, propane heat with forced air and mini-splits, and copper and PEX plumbing, and the home runs on a private well and septic under a standing-seam metal roof. It is wired for speakers throughout. The setting is the rest of the story. This is the Armstrong School District, with Kittanning about twenty minutes away for restaurants and everyday errands, and Pittsburgh roughly an hour out. State game land sits nearby for hiking and hunting, and ATV trails run right from the property. That is the rare part: you can pull the jet skis out and be on the water, or take the ATVs out and be on the trails, all from the same driveway. No trailering, no loading up for the weekend. If you have been waiting for a true riverfront home with the space, the dock, and the build quality to match the view, this is the one to come see.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
West Hills Primary SchoolGrades K-310.6 mi
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 2021

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 7
  • Full bathrooms: 6
  • 1/2 bathrooms: 1

Features

  • Window features: Multi Pane,Screens
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 2
  • Fireplace features: Multi-Sided
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Propane,Radiant
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 8,447
  • Total interior livable area: 8,447 sqft

Property

Details

  • Parcel number: 470071004

Features

  • Levels: Two
  • Stories: 2
  • Pool features: Pool
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • On waterfront: Yes
  • Waterfront features: River Front,Water Access

Lot

  • Lot size: 2 Acres
  • Lot size dimensions: 640 x 530 x 640 x 530

Parking

  • Total spaces: 7
  • Parking features: Built In
  • 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 FloodingRelatively High
  • 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 $15,144$181,728
Home Insurance *$763$9,156
Property Taxes $3,394$40,728
Electricity $926$11,121
Total$20,227$242,724
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$693,497/yr
40% on housing$606,810/yr
45% on housing$539,386/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -3.6%
-3.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$355This listing

vs Other Active Listings

Avg $/sqft

ZIP 16218$172
Armstrong County$92

vs Homes Sold Last Month

Median $/sqft

ZIP 16218$265
Armstrong County$107

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
2026-07-22Listed for sale$2,995,000
2021-03-26Sold$1,708,000

For Sale by Agent

AgentMikal Merlina
BrokeragePIATT SOTHEBY'S INTERNATIONAL REALTY

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