




1040-1050 Wattersonville Rd, Cowansville, PA, 16218
About This Home
Some homes are about the house. This one is about the house and the river it sits on. 1050 Wattersonville Road is a custom white cedar log home built directly on the Allegheny River, with a private floating dock anchored in roughly 35 feet of water. That depth matters. It means a boat lives at the house instead of a marina, and the river is yours from the moment you walk down to the water. The home sits on about four acres in a quiet enclave of custom homes with no HOA, where the township maintains and plows the road, and the school bus comes right to the door. Inside, the great room is the heart of it. A wall of windows frames the river and the wooded hillside beyond, with a vaulted tongue-and-groove ceiling carrying the eye up. The kitchen is built for people who actually cook and entertain, with stone counters, stainless appliances, a mirrored tile backsplash, and an island sized for a crowd. Six bedrooms are spread through the home for privacy, including a first-floor bedroom with its own loft and several ensuite layouts. There are six full baths and a half bath in all. Downstairs, the finished lower level keeps its own pace, with radiant heated polished concrete floors, a bar, a double-sided fireplace, a guest room, and a full bath. Outside is where this property earns its keep. A 42-by-20 pool steps down to a covered pavilion with a full outdoor kitchen, a grill and griddle, and its own bathroom, so summer days never have to move indoors. A fire pit ringed with seating looks out over the water for the cooler evenings. The home is flanked by two oversized garages with parking for five and epoxy floors, with a finished office above one and a bunk room with a full bath above the other, room enough for a home business, overflow guests, or both. It was built to handle a rural riverfront life and built to last. A 25KW whole-house generator keeps everything running, the systems include tankless hot water, propane heat with forced air and mini-splits, and copper and PEX plumbing, and the home runs on a private well and septic under a standing-seam metal roof. It is wired for speakers throughout. The setting is the rest of the story. This is the Armstrong School District, with Kittanning about twenty minutes away for restaurants and everyday errands and Pittsburgh roughly an hour out. State game land sits nearby for hiking and hunting, and the Allegheny is right there for boating and fishing. If you have been waiting for a true riverfront home with the space, the dock, and the build quality to match the view, this is the one to come see.
Getting Around
Schools
Construction
Condition
- Property condition: Resale
- Year built: 2021
Materials
- Roof: Metal
- Construction materials: Frame
Type & Style
- Home type: SingleFamily
- Architectural style: Log Home,Two Story
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Some Gas Appliances,Dryer,Dishwasher,Disposal,Microwave,Refrigerator,Stove,Washer
Basement
- Has basement: Yes
- Basement: Full,Walk-Out Access
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 7
- Full bathrooms: 6
- 1/2 bathrooms: 1
Features
- Window features: Multi Pane,Screens
- Flooring: Hardwood,Tile
- Number of fireplaces: 2
- Fireplace features: Multi-Sided
- Fireplace: Yes
Heating & Cooling
- Heating features: Propane,Radiant
- Cooling features: Central Air,Electric
Interior Area
- Total structure area: 8,447
- Total interior livable area: 8,447 sqft
Property
Details
- Other equipment: Generator
Features
- Levels: Two
- Stories: 2
- Pool features: Pool
- Has view: Yes
- View description: River
- Has water view: Yes
- Water view: River
- On waterfront: Yes
- Waterfront features: River Front,Water Access
Lot
- Lot size: 4.02 Acres
- Lot size dimensions: 640 x 530 x 640 x 530
Parking
- Total spaces: 7
- Parking features: Built In
- 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
- Lightning
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 | $17,445 | $209,340 |
| Home Insurance * | $879 | $10,548 |
| Property Taxes | $3,910 | $46,920 |
| Electricity | $926 | $11,121 |
| Total | $23,160 | $277,920 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
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.
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 |
|---|---|---|
| 2026-06-27 | Listed for sale | $3,450,000 |
