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105 W Main St, Smethport, PA, 16749

3beds
3baths
8,532sqft
$439,000
$51price/sqft
$3,916/moest. monthly cost
$156,640/yrincome needed

About This Home

The Historic Hamilton Building was home to the former popular "America's First Christmas Store" in Smethport, Pennsylvania on the famous Route 6. Extensive renovations of the first and second floor (apartments) that formerly housed Masser Hardware and Johnson's Pharmacy have transformed the interior into a charming cafe and a beautiful dining area, while preserving the building's exterior w/its turret, reminiscent of the Victorian era, which gives the building its unique character. Upon entering the cafe, one's attention immediately turns to the 24-foot long soda fountain bar with its laminated top and oak trim. Along the bar are 15 high-back metal bar stools. Beautiful dining room is available on the west side with seating for 52 people and additional seating is available in the private dining areas. The kitchen is accessible from both dining areas and equipment is included. One of the former downstairs offices has been transformed into a commercial bakery with stainless appliances and a wooden baker's table for employees prep area. The three partially furnished upstairs apartments are currently rented and an additional room in the back for Buyers needs. Parking in the rear with 6 spaces. Additional information available for rooms sizes & inventory upon request.

Getting Around

49
WalkingCar-Dependent
0
TransitVery Limited Transit
41
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Property condition: Resale
  • Year built: 1905

Materials

  • Foundation: Stone
  • Roof: Membrane,Metal,Rubber
  • Construction materials: Brick,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Triplex
  • Property subType: Mixed Use,Triplex,Multi Family

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Ceiling Fan(s)
  • Flooring: Hardwood,Varies

Heating & Cooling

  • Heating features: Electric,Gas,Baseboard,Forced Air,Hot Water
  • Cooling features: Central Air

Interior Area

  • Total structure area: 8,532
  • Total interior livable area: 8,532 sqft

Property

Details

  • Parcel number: MAP#1500510300
  • Special condition: Standard

Features

  • Stories: 3

Lot

  • Lot size: 5,662 sqft
  • Features: Rectangular,Rectangular Lot

Parking

  • Parking features: Parking Available

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 $2,219$26,628
Home Insurance *$348$4,176
Property Taxes $413$4,956
Electricity $936$11,233
Total$3,916$46,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$134,262/yr
40% on housing$117,480/yr
45% on housing$104,426/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

$51This listing

vs Other Active Listings

Avg $/sqft

ZIP 16749$91
McKean County$87

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)

No zestimate history available

Price History

DateEventPrice
2026-04-27Listed for sale$439,000

For Sale by Agent

AgentKathleen Obermeyer
BrokerageERA Team VP Real Estate

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