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489-491 Church St, Kingston, PA, 18704

4beds
3baths
2,427sqft
$407,500
$168price/sqft
$2,991/moest. monthly cost
$119,640/yrincome needed

About This Home

One of a kind investment property w great cash flow potential anchored by a terrific commercial-like 12' ceiling garage, perfect for mechanic or contractor. Addtl vehicle lift room potential. Nicely maintained double-block w all sep utilities w 1 solid tenant, and 1 vacant for your choosing. Huge 250' lot w parking for at least 15 vehicles. $ 48,000./yr rent potential - endless possibilities !

Getting Around

40
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

4/10
Dana El CenterGrades K-50.4 mi

Construction

Condition

  • Property condition: Good

Materials

  • Roof: Composition
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: MultiFamily
  • Property subType: Multi Family

Interior

Basement

  • Has basement: Yes
  • Basement: Concrete

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3

Heating

  • Heating features: Natural Gas,Baseboard

Interior Area

  • Total structure area: 2,427
  • Total interior livable area: 2,427 sqft

Property

Details

  • Parcel number: 59F9SE3024010
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Patio & porch: Porch

Lot

  • Lot size: 0.40 Acres
  • Lot size dimensions: 70 x 250

Parking

  • Total spaces: 16
  • Parking features: Garage,Open
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes
  • Uncovered spaces: 12

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
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 $2,060$24,720
Home Insurance *$207$2,484
Property Taxes $458$5,496
Electricity $266$3,195
Total$2,991$35,892
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,548/yr
40% on housing$89,730/yr
45% on housing$79,760/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 18704$102
Luzerne County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 18704$139
Luzerne County$135

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
2026-05-03Price change$429,500
2026-04-24Listed for sale$446,000

For Sale by Agent

AgentSteve Shemo
BrokerageClassic Properties Kingston

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