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1150 E Philadelphia St, York, PA, 17403

3beds
1baths
1,094sqft
$389,900
$356price/sqft
$2,843/moest. monthly cost
$113,720/yrincome needed

About This Home

FANTASTIC 3-UNIT INVESTMENT PACKAGE! This unique offering in York includes two separate properties for one price: a detached 3-bedroom single-family home (1150 E Philadelphia St) and a stabilized duplex (1152 E Philadelphia St) featuring one 1-bedroom and one 3-bedroom unit. This is an ideal setup for "house hacking” you can live in the private single-family house and let the rent from the duplex next door cover a significant portion of your mortgage. For the straight investor, all three units are currently occupied by long-term tenants and are professionally managed. The current management team is familiar with the properties and available to continue their services for the new owner, ensuring a seamless, "hands-off" transition. The duplex is designed for efficiency with separate electric, heat, and water heaters for each unit so tenants pay their own utilities. Brand-new furnace (2025) in the duplex. Outside, the single-family home features an enclosed patio, storage shed, and a fenced yard. The Gem of this offering is the large, open residential land behind the buildings, providing excellent flexibility for future expansion, new construction, or additional parking. Sold only as a complete package with MLS#PAYK2096974 . Buyer to verify all due diligence with York Zoning and City Planners regarding development goals. One or more photos have been virtually staged/edited for clutter removal. Some exterior photos were taken this past summer to show the property without snow for better visibility of the lot and exterior.

Getting Around

67
WalkingSomewhat Walkable
31
TransitSome Transit
46
BikeSomewhat Bikeable

Schools

3/10
Davis SchoolGrades PK-80.6 mi
3/10

Construction

Condition

  • Property condition: Good,Very Good
  • Year built: 1939

Materials

  • Foundation: Brick/Mortar,Stone
  • Roof: Asphalt,Shingle
  • Construction materials: Vinyl Siding,Block,Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Refrigerator,Cooktop,Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full,Exterior Entry

Bathroom1

  • Level: Upper

Bedroom1

  • Level: Upper

Bedroom2

  • Level: Upper

Bedrooms & Bathrooms

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

Features

  • Flooring: Hardwood
  • Finished area above ground: 1,094

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 1,094
  • Total interior livable area: 1,094 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 123680600290000000
  • Attached to another structure: Yes
  • Zoning: RESIDENTIAL
  • Zoning description: Residential
  • Special condition: Standard
  • Exclusions: Tenants Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None
  • Patio & porch: Patio,Enclosed
  • Fencing: Partial,Wood

Lot

  • Lot size: 2,614 sqft
  • Features: Cleared,Rear Yard,Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Shared Driveway,Off Street
  • Has uncovered spaces: 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

  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Winter Weather

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 $1,971$23,652
Home Insurance *$148$1,776
Property Taxes $500$6,000
Electricity $224$2,692
Total$2,843$34,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,474/yr
40% on housing$85,290/yr
45% on housing$75,813/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: 10.5%
10.5%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$356This listing

vs Other Active Listings

Avg $/sqft

ZIP 17403$119
York County$152

vs Homes Sold Last Month

Median $/sqft

ZIP 17403$158
York County$174

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

DateEventPrice
2026-02-03Listed for sale$389,900
2023-12-29Listing removed--
2023-12-19Price change$1,150
2023-12-11Price change$1,050
2023-12-01Price change$1,200
2023-11-25Listed for rent$1,350
2019-10-27Listing removed$825
2019-10-08Listed for rent$825
2018-11-19Listing removed$795
2018-11-13Listed for rent$795

For Sale by Agent

AgentAl Romero
BrokerageBoxlty Realty

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