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820 Commerce St, Wellsburg, WV, 26070

3beds
2baths
--sqft
$340,000
--price/sqft
$2,627/moest. monthly cost
$105,080/yrincome needed

About This Home

The newly renovated property offers immediate income potential with street level commercial space currently used as a salon with 4 beauticians renting space, complimented by 2 separate residential units perfect for rental income or owner occupancy. The building provides a functional layout with dedicated entrances allowing for clear separation between commercial and residential spaces. The apartments offer comfortable living accommodations, making this an attractive option for tenants seeking convenience and proximity to local amenities. This space is ideal for investors looking to diversify income streams or for an owner-operator seeking a live/work set-up. Other features include new metal roof, 3 car over-sized garage with new doors & opener, electric panels updated 1 year ago, new hot water tank, private comfy porch/breeze way from garage, separate laundry in each apartment, high-end kitchen and bathroom in 1st level apartment, and dual furnace & central AC. Outside construction to be complete before closing with new siding that matches garage, new soffit & fascia, new gutters & down spouts, upstairs apartment will have woodwork and dry wall finishings done soon along with new front door to the beauty shop. Don't miss this opportunity to own a versatile property combining business potential and residential income.

Getting Around

41
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

--
Wellsburg Middle SchoolGrades 5-80.5 mi
3/10
Brooke High SchoolGrades PK,9-122.5 mi

Construction

Condition

  • Year built: 1884

Materials

  • Foundation: Block
  • Roof: Metal
  • Construction materials: Brick,Block,Vinyl Siding

Type & Style

  • Home type: MultiFamily
  • Architectural style: Multiplex
  • Property subType: Multi Family,Single Family Residence

Interior

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Heating & Cooling

  • Heating features: Forced Air,Gas
  • Cooling features: Dual

Property

Details

  • Parcel number: W27B0303
  • Special condition: Standard

Features

  • Levels: Three Or More

Lot

  • Lot size: 4,329 sqft

Parking

  • Total spaces: 3
  • Parking features: Detached,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind

FEMA Declared Disasters Across West Virginia Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter 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 $1,719$20,628
Home Insurance *$572$6,864
Property Taxes $155$1,860
Electricity $181$2,178
Total$2,627$31,524
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,068/yr
40% on housing$78,810/yr
45% on housing$70,053/yr

West Virginia FAIR Plan Programs

West Virginia Essential Property Insurance Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 260Commercial: 43
Total Premiums$274,000
Total Exposure$30.03M

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: 5.5%
5.5%
0%30.0%
Electricity Growth Rate10-year average: 8.0%
8.0%
0%15.0%
Property Taxes Growth Rate2-year average: 4.9%
4.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 26070$75
Brooke County$80

vs Homes Sold Last Month

Median $/sqft

ZIP 26070$65
Brooke County$81

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
2026-05-01Listed for sale$375,000

For Sale by Agent

AgentMary K Pepe
BrokeragePaull & Associates, Inc.

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