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128 State Route 981, Belle Vernon, PA, 15012

2beds
1baths
1,200sqft
$129,900
$108price/sqft
$1,066/moest. monthly cost
$42,640/yrincome needed

About This Home

SPECTACULAR 2 BEDROOM 1 FULL BATH RANCH HOME IN THE HEART OF ROSTRAVER TWP. WELCOME TO THIS STUNNING LITTLE BUNGALOW WITH LARGE 2 CAR DETACHED GARAGE AND ONE LEVEL LIVING. THE MAIN ENTRANCE IS THE SIDE PORCH AND IS OFF THE EAT IN KITCHEN AND WITH INCLUDED APPLIANCES.THE TWO BEDROOMS SHARE A LARGE FULL BATH AND OFFER PLENTY OF CLOSET SPACE. THE LARGE LIVING ROOM IS A PERFECT SIZE AND ADJOINS A LARGE SUN PORCH, WHICH COULD BE ANOTHER BEDROOM/OFFICE/PLAYROOM. THE ONE FLOOR LIVING IS VERY CONVENIENT AND THE LAUNDRY COULD EASILY BE MOVED TO THE SAME FLOOR. PLENTY OF SPACE IN THE LOWER LEVEL FOR STORAGE AND DONT FORGET ABOUT THE MASSIVE UNFINISHED UPPER BONUS LEVEL, A CLEAN SLATE TO DO WITH WHATEVER YOUR IMAGINATION DESIRES. THE LARGE PRIVATE LOT IS PERFECT FOR THE LITTLE ONES TO PLAY AND THE LARGE 2 CAR DETACHED GARGE IS A VERY NICE ADDITION TO THIS PROPERTY. LOCATION IS AWESOME, CLOSE TO THE BIKE TRAIL, RIVER AND OVERLOOKING THE GOLF COURSE.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

7/10
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1922

Materials

  • Roof: Asphalt
  • Construction materials: Aluminum Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Bungalow,Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Some Electric Appliances,Refrigerator,Stove

Basement

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

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Flooring: Other

Heating & Cooling

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

Interior Area

  • Total structure area: 1,200
  • Total interior livable area: 1,200 sqft

Property

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 0.58 Acres
  • Lot size dimensions: 0.5823

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage
  • Has garage: 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

  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Inland Flooding

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 $656$7,872
Home Insurance *$57$684
Property Taxes $129$1,548
Electricity $224$2,692
Total$1,066$12,792
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$36,548/yr
40% on housing$31,980/yr
45% on housing$28,426/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: 12.9%
12.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.9%
-1.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$108This listing

vs Other Active Listings

Avg $/sqft

ZIP 15012$124
Westmoreland County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 15012$150
Westmoreland County$147

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
2026-07-30Price change$129,900
2026-06-09Listed for sale$149,900

For Sale by Agent

AgentDean Korber
BrokerageHOWARD HANNA MID MON VALLEY OFFICE

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