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14015 Route 19, Waterford, PA, 16441

2beds
2baths
1,426sqft
$575,000
$403price/sqft
$4,054/moest. monthly cost
$162,160/yrincome needed

About This Home

Rare opportunity to own a creek side property with immediate income potential. This unique offering spans over 2 acres and includes two established short-term rental homes, new in 2023, each featuring a deck with a hot tub overlooking French Creek. Both homes have delivered consistent revenue in a highly desirable natural setting. The property combines scenic creek frontage with usable land and direct water access, including a put in point for boats and kayaks. Seven additional cozy insulated cottages with electric hookups are also on site, available at additional cost, and have generated supplemental income during the summer months. There is a well on the property, new septic, new electrical and new outside bathrooms. Whether you’re looking for continued rental use, owner occupancy, or future expansion, this property offers flexibility and proven performance. Strong guest appeal, repeat bookings, and meaningful upside make this a practical investment with built in lifestyle benefits.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

8/10
Mill Village El SchoolGrades K-51.9 mi
6/10
8/10

Construction

Condition

  • Property condition: Excellent,Resale
  • Year built: 2023

Materials

  • Roof: Composition
  • Construction materials: Block,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Modular/Prefab
  • Property subType: Multi Family,Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2

Heating & Cooling

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

Interior Area

  • Total structure area: 1,426
  • Total interior livable area: 1,426 sqft

Property

Details

  • Parcel number: 30016070.0001.00
  • Zoning description: B-1

Features

  • Has view: Yes
  • View description: Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 2.20 Acres
  • Features: Cleared,Stream/Creek,Views,Waterfront
  • Lot size dimensions: 283 x 406 x 0 x 0

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
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Inland Flooding
Tsunami

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 $2,907$34,884
Home Insurance *$195$2,340
Property Taxes $728$8,736
Electricity $224$2,692
Total$4,054$48,648
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$138,994/yr
40% on housing$121,620/yr
45% on housing$108,106/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: 8.5%
8.5%
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

$403This listing

vs Other Active Listings

Avg $/sqft

ZIP 16441$121
Erie County$115

vs Homes Sold Last Month

Median $/sqft

ZIP 16441$207
Erie County$139

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
2026-04-03Listed for sale$575,000

For Sale by Agent

AgentDorotha Argaez
BrokerageKW Flagship Realty

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