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9 Apple St, Harveys Lake, PA, 18618

3beds
1baths
1,000sqft
$259,900
$260price/sqft
$1,982/moest. monthly cost
$79,280/yrincome needed

About This Home

Cozy year round cottage at the lake. Raised ranch style w/ 3 bedrooms, 1 full bath and open living space for formal Dining and Living. Above ground basement w/ drive in 1 car garage. Wrap around deck great for entertaining. Deeded lake rights to membership community dock, Lakeview Terrace. Short walk to the lake, close to restaurants.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
Lake-Noxen El SchoolGrades K-61.8 mi

Construction

Condition

  • Property condition: Good
  • Year built: 1979

Materials

  • Roof: Composition
  • Construction materials: Wood Siding

Type & Style

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

Interior

Basement

  • Has basement: Yes
  • Basement: Concrete

Bedroom1

  • Level: First
  • Area: 94.92
  • Dimensions: 11.3 x 8.4

Bedroom2

  • Level: First
  • Area: 123.17
  • Dimensions: 11.3 x 10.9

Bedroom3

  • Level: First
  • Area: 86.95
  • Dimensions: 8.6 x 10.11

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Level: First
  • Area: 106.02
  • Dimensions: 11.4 x 9.3

Features

  • Ceiling Fan(s)
  • Finished area below ground: 0
  • Finished area above ground: 1,000

Full Bathroom

  • Level: First
  • Area: 58.93
  • Dimensions: 7.1 x 8.3

Heating & Cooling

  • Heating features: Electric,Heat Pump,Baseboard
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,000
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First
  • Area: 118.56
  • Dimensions: 11.4 x 10.4

Living Room

  • Level: First
  • Area: 188.49
  • Dimensions: 11.7 x 16.11

Property

Details

  • Parcel number: C6S600809C74
  • Zoning: Residential
  • Zoning description: Residential

Features

  • Levels: One
  • Patio & porch: Deck
  • On waterfront: Yes
  • Waterfront features: Lake Privileges

Lot

  • Lot size: 0.25 Acres
  • Features: Level
  • Lot size dimensions: 101x109

Parking

  • Parking features: Private

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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Inland Flooding
Lightning

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 $1,314$15,768
Home Insurance *$152$1,824
Property Taxes $292$3,504
Electricity $224$2,692
Total$1,982$23,784
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$67,954/yr
40% on housing$59,460/yr
45% on housing$52,853/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: 9.6%
9.6%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$260This listing

vs Other Active Listings

Avg $/sqft

ZIP 18618$230
Luzerne County$113

vs Homes Sold Last Month

Median $/sqft

ZIP 18618$192
Luzerne County$135

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
2026-08-14Pending sale$259,900
2026-06-27Listed for sale$259,900

For Sale by Agent

AgentDawn R Wiringer
BrokerageBerkshire Hathaway HomeServices Poggi, REALTORS Back Mtn

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