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509 Willowbank St, Bellefonte, PA, 16823

3beds
1baths
1,650sqft
$244,000
$148price/sqft
$1,737/moest. monthly cost
$69,480/yrincome needed

About This Home

House with a second lot makes for a great side yard with plenty of room for outdoor activities! Off street parking for at least 5 vehicles! Inside has plenty of room too! Large eat in kitchen! Spacious living room! Formal dining area! Nice size bedrooms! Walk up attic that is floored for additional storage. Some original hardwood floors. Balcony off back bedroom. Side porch off kitchen. Nice front porch. Newer windows. Updated bath. Park and bus stop near by. Home has charm and tons of potential!

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

7/10
6/10
6/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Other

Type & Style

  • Home type: SingleFamily

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Flooring: Carpet,Hardwood

Heating & Cooling

  • Heating features: Other,Radiant,Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,650 sqft

Property

Details

  • Parcel number: 323021620000

Features

  • Exterior features: Other,Metal
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.29 Acres

Parking

  • Total spaces: 5
  • Parking features: Off-street,Garage

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
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
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 $1,233$14,796
Home Insurance *$69$828
Property Taxes $211$2,532
Electricity $224$2,692
Total$1,737$20,844
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$59,554/yr
40% on housing$52,110/yr
45% on housing$46,320/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: 8.5%
8.5%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: 0.1%
0.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$148This listing

vs Other Active Listings

Avg $/sqft

ZIP 16823$167
Centre County$197

vs Homes Sold Last Month

Median $/sqft

ZIP 16823$183
Centre County$188

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
2026-03-14Price change$269,000
2026-02-03Listed for sale$280,000
2026-01-18Listing removed--
2025-10-04Price change$285,000
2025-09-03Listed for sale$300,000
2016-01-08Sold$133,400
2015-10-21Pending sale$132,400
2015-09-25Price change$132,400
2015-06-30Price change$134,900
2015-03-24Price change$139,900
2014-09-24Listed for sale$142,000

For Sale by Owner

AgentProperty Owner

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