109 Charles St, Centre Hall, PA, 16828
About This Home
A stunning home nestled on a .63-acre lot in the heart of Centre Hall. This beautifully maintained, move-in ready two-story offers the perfect blend of comfort, style, and convenience. Filled with natural light, the home features warm hardwood floors, LVP, and tasteful, neutral finishes throughout. Boasting four spacious bedrooms and 3.5 baths, the thoughtfully designed layout includes an updated eat-in kitchen with granite countertops, tiled backsplash, stainless steel appliances, and a breakfast nook. A new Bosch dishwasher and microwave range add modern convenience, while the kitchen flows seamlessly into a cozy family room with a gas fireplace—perfect for everyday living and entertaining. The main floor also offers a laundry area, a convenient half bath, a formal dining room, living room, and a private office space. Upstairs, you’ll find four generously sized bedrooms and two full baths, providing plenty of room for family and guests. The finished lower level expands your living space with a rec room, full bath, and abundant storage, along with an unfinished area for added flexibility. Additional updates include a new Trane heat pump (2020), hot water heater (2025), washer (2024), dryer (2022), and new carpeting in the lower-level rec room. Enjoy outdoor living with a welcoming front porch, a beautifully maintained yard, and a patio area—ideal for relaxing or entertaining—all situated on a quiet cul-de-sac. Conveniently located just 15 minutes from State College and 10 minutes from Bellefonte and walking distance to Grange Fairgrounds.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Excellent
- Year built: 2003
Materials
- Foundation: Other
- Roof: Shingle
- Construction materials: Brick,Vinyl Siding
Other
- Builder name: Steve Hackman
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Built-In Range,Dishwasher,Dryer,Freezer,Oven/Range - Electric,Refrigerator,Washer,Water Conditioner - Owned,Water Heater,Electric Water Heater
- Laundry features: Main Level,Laundry Room
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bathroom2
- Features: Flooring - Ceramic Tile
- Level: Upper
- Area: 32
- Dimensions: 4 X 8
Bathroom3
- Features: Flooring - Vinyl
- Level: Lower
Bedroom2
- Features: Flooring - Carpet
- Level: Upper
- Area: 140
- Dimensions: 10 X 14
Bedroom3
- Features: Flooring - Carpet
- Level: Upper
- Area: 100
- Dimensions: 10 X 10
Bedroom4
- Features: Flooring - Carpet
- Level: Upper
- Area: 165
- Dimensions: 11 X 15
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 4
- Full bathrooms: 3
- 1/2 bathrooms: 1
- Main level bathrooms: 1
Breakfast Room
- Features: Flooring - HardWood
- Level: Main
- Area: 130
- Dimensions: 10 X 13
Dining Room
- Features: Flooring - Luxury Vinyl Plank
- Level: Main
- Area: 168
- Dimensions: 12 X 14
Family Room
- Features: Flooring - Luxury Vinyl Plank,Fireplace - Gas
- Level: Main
- Area: 273
- Dimensions: 13 X 21
Features
- Attic,Breakfast Area,Dining Area,Family Room Off Kitchen,Open Floorplan,Eat-in Kitchen,Kitchen Island,Pantry,Primary Bath(s),Recessed Lighting,Walk-In Closet(s)
- Flooring: Carpet,Ceramic Tile,Hardwood,Luxury Vinyl,Vinyl,Wood
- Number of fireplaces: 1
- Fireplace features: Gas/Propane
- Fireplace: Yes
- Finished area below ground: 510
- Finished area above ground: 2,474
Foyer
- Features: Flooring - HardWood
- Level: Main
Half Bath
- Features: Flooring - HardWood
- Level: Main
- Area: 25
- Dimensions: 5 X 5
Heating & Cooling
- Heating features: Forced Air,Electric
- Cooling features: Central Air,Heat Pump,Electric
Interior Area
- Total structure area: 3,738
- Total interior livable area: 2,984 sqft
Kitchen
- Features: Flooring - HardWood,Eat-in Kitchen,Granite Counters,Kitchen Island
- Level: Main
- Area: 143
- Dimensions: 11 X 13
Laundry
- Features: Pantry,Flooring - Vinyl
- Level: Main
- Area: 40
- Dimensions: 5 X 8
Living Room
- Features: Flooring - Luxury Vinyl Plank
- Level: Main
- Area: 182
- Dimensions: 13 X 14
Office
- Features: Flooring - Carpet
- Level: Main
- Area: 140
- Dimensions: 10 X 14
Primary Bathroom
- Features: Flooring - Ceramic Tile,Bathroom - Stall Shower,Bathroom - Jetted Tub
- Level: Upper
- Area: 70
- Dimensions: 7 X 10
Primary Bedroom
- Features: Flooring - Carpet,Walk-In Closet(s)
- Level: Upper
- Area: 221
- Dimensions: 13 X 17
Recreation Room
- Features: Flooring - Carpet
- Level: Lower
- Area: 510
- Dimensions: 15 X 34
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 20320,105,0000
- Zoning: R
- Special condition: Standard
- Other equipment: None
- Exclusions: Kegarator,Freezer,Garage Refrigerator
Features
- Levels: Two
- Stories: 2
- Pool features: None
- Patio & porch: Patio,Porch
- Spa features: Bath
- Has view: Yes
- View description: Mountain(s)
Lot
- Lot size: 0.63 Acres
- Features: Open Lot,Cul-De-Sac,Front Yard,Rear Yard,SideYard(s)
- Lot size dimensions: 0.00 x 0.00
Parking
- Total spaces: 6
- Parking features: Storage,Garage Faces Side,Driveway,Attached,Off Street
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
- Uncovered spaces: 4
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
- 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 | $2,776 | $33,312 |
| Home Insurance * | $196 | $2,352 |
| Property Taxes | $475 | $5,700 |
| Electricity | $327 | $3,928 |
| Total | $3,774 | $45,288 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
Insurance Placement Facility of Pennsylvania/FAIR Plan
Wildfire
Hail
WindHow 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 |
|---|---|---|
| 2026-04-24 | Listed for sale | $549,000 |
| 2002-11-11 | Sold | $37,000 |
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