125 Derby Dr #2, Elverson, PA, 19520
About This Home
Welcome to the highly desirable Summerfield community in Elverson! Ideally located just off Main Street and within walking distance to local shops and dining, this charming historic town offers the perfect blend of small town appeal and outdoor recreation, with nearby French Creek State Park, golf courses, and scenic trails. This beautifully maintained 3-bedroom, 2.5-bath townhome combines comfort and style, and includes a one-car garage and a full basement. Step inside to find beautiful hardwood flooring that spans the entire first floor. The sun-filled living room features a French door that opens to a private back deck overlooking the pasture field ideal setting for relaxing or entertaining. The eat-in kitchen is both functional and inviting, showcasing a double sink, bay window with backyard views. It comes fully equipped with an LG 5-burner electric stove with double oven, refrigerator, and dishwasher. Adjacent to the kitchen, the dining room provides the perfect space for gatherings with family and friends. A convenient powder room completes the main level. Upstairs, you’ll find three generously sized bedrooms, each with large closets and lighted ceiling fans. The spacious primary bedroom impresses with soaring 16-foot ceilings. Two full bathrooms complete the second floor. The unfinished basement with brand new HVAC (2026). Offers high ceilings and excellent potential for future finishing, and includes a washer. Additional features include a one-car garage with opener.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1990
Materials
- Foundation: Block
- Construction materials: Stucco
Type & Style
- Home type: Townhouse
- Architectural style: Colonial,Traditional
- Property subType: Townhouse
Interior
Appliances
- Appliances included: Gas Water Heater
- Laundry features: Upper Level
Basement
- Area: 0
Basement
- Has basement: Yes
- Basement: Unfinished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Features
- Breakfast Area,Ceiling Fan(s),Dining Area,Family Room Off Kitchen,Floor Plan - Traditional,Eat-in Kitchen,Walk-In Closet(s),Primary Bath(s)
- Finished area below ground: 0
- Finished area above ground: 1,104
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 1,104
- Total interior livable area: 1,104 sqft
Property
Accessibility
- Accessibility features: 2+ Access Exits,Accessible Entrance
Details
- Parcel number: 1304 0075.0300
- Zoning: RESIDENTIAL
- Special condition: Standard
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Deck
- Has view: Yes
- View description: Pasture
Lot
- Lot size: 4,330 sqft
- Lot size dimensions: 0.00 x 0.00
Parking
- Total spaces: 3
- Parking features: Garage Faces Front,Garage Door Opener,Inside Entrance,Attached,Driveway
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
- Has uncovered spaces: Yes
- Uncovered spaces: 2
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
- Drought
- Winter Weather
- Cold Wave
- Hail
- Hurricane
- Heat Wave
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Pennsylvania Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,896 | $22,752 |
| Home Insurance * | $84 | $1,008 |
| Property Taxes | $381 | $4,572 |
| Electricity | $224 | $2,692 |
| Total | $2,585 | $31,020 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
Insurance Placement Facility of Pennsylvania/FAIR Plan
WildfireHailWindHow 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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-04 | Price change | $370,000 |
| 2026-07-20 | Listed for sale | $375,000 |
| 2026-07-20 | Contingent | $375,000 |
| 2026-07-01 | Price change | $375,000 |
| 2026-05-21 | Listed for sale | $385,000 |
| 2026-05-11 | Contingent | $385,000 |
| 2026-05-01 | Listed for sale | $385,000 |
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