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3103 Main St, Madera, PA, 16661

0beds
3baths
3,255sqft
$84,900
$26price/sqft
$926/moest. monthly cost
$37,040/yrincome needed

About This Home

Opportunity awaits on Main St. in Madera! This commercial building, most recently operated as a restaurant, offers a solid foundation for your next business venture. The property features a spacious dining room, two public restrooms, a walk-in cooler, and multiple storage areas, making it well suited for a variety of uses! Upstairs you'll find just under 800 sq ft of additional flexible space complete with its own bathroom and office, ideal for private events, meetings, studio space, or the option for a separate rentable space. Outside, a large parking lot provides ample off-street parking for customers and staff. Many improvements have been completed over the years, giving the next owner a head start to bring their vision to life. If you've been looking for an affordable commercial space with character and potential in a small town setting, this is one worth seeing.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1920

Materials

  • Roof: Metal
  • Construction materials: Stick-Built,Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Basement

  • Has basement: Yes

Bathroom

  • Level: First

Bathroom

  • Level: First

Bathroom

  • Level: Second

Bedrooms & Bathrooms

  • Bathrooms: 3

Features

  • Finished area below ground: 0
  • Finished area above ground: 3,255

Interior Area

  • Total structure area: 3,255
  • Total interior livable area: 3,255 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

  • Level: First

Property

Details

  • Zoning: None

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 6,969 sqft
  • Lot size dimensions: 6969 sqft

Parking

  • Parking features: No Garage
  • 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
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Inland Flooding
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 $429$5,148
Home Insurance *$65$780
Property Taxes $75$900
Electricity $357$4,285
Total$926$11,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$31,748/yr
40% on housing$27,780/yr
45% on housing$24,693/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: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$26This listing

vs Other Active Listings

Avg $/sqft

ZIP 16661$120
Clearfield County$110

vs Homes Sold Last Month

Median $/sqft

ZIP 16661$85
Clearfield County$93

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$89,900

For Sale by Agent

AgentBrennen Mccracken
BrokerageKeller Williams Advantage Realty

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