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34 Pratt Ave, Towanda, PA, 18848

4beds
5baths
0sqft
$395,000
--price/sqft
$2,819/moest. monthly cost
$112,760/yrincome needed

About This Home

Attention Landlords. The property has 4 comfortable well kept apartments and an office with a bathroom (and bedroom). (one could turn that into a nice apartment by adding a kitchen). There is also a large oversized 3 car garage that has separate heat, electricity, water and sewer if someone wanted to add an apartment or two in that space as well. there is also a space that has a kitchen and some of the plumbing has been run to add a bathroom for another apartment. All apartments come completely furnished. There are a lot of possibilities here. Live in one while paying the mortgage with the others. Taxes to be determined after subdivision of home from property. there is a coin operated washer and dryer for the tenants use. Someone Lucky landlord can transition this property from 4 apartments to 6 without a lot of work and still have the 3 car garage!

Getting Around

36
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

--
Morrow El SchoolGrades PK-20.7 mi
6/10
Towanda Area El SchoolGrades 3-61.1 mi

Construction

Condition

  • Year built: 1970

Materials

  • Foundation: Slab
  • Roof: Shingle,Other
  • Construction materials: Stucco

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Basement: None

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 0

Property

Lot

  • Lot size: 0.34 Acres
  • Features: In Town
  • Lot size dimensions: .34

Parking

  • Total spaces: 3
  • Parking features: 3+ Car Garage,Attached,Paved,Other
  • Has garage: Yes
  • Has uncovered spaces: 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

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High

How This Home’s Risks Compare

Lightning
Inland Flooding

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 $1,997$23,964
Home Insurance *$256$3,072
Property Taxes $342$4,104
Electricity $224$2,692
Total$2,819$33,828
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,651/yr
40% on housing$84,570/yr
45% on housing$75,173/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: 8.2%
8.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -6.0%
-6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 18848$95
Bradford County$120

vs Homes Sold Last Month

Median $/sqft

ZIP 18848$94
Bradford County$118

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
2025-09-16Listed for sale$395,000
2025-09-07Listing removed$395,000
2025-02-15Listed for sale$395,000

For Sale by Agent

AgentThomas Calaman
BrokerageJoAnne Kizer Real Estate

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