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109 Sandy Ln, Bellefonte, PA, 16823

4beds
2baths
2,442sqft
$399,000
$163price/sqft
$2,742/moest. monthly cost
$109,680/yrincome needed

About This Home

This 4 bedroom and 1 1/2 baths (2nd bath could be put in owners bedroom- already plumbed) home is nested on 4 acres of land. This home new has updates including flooring, new paint, updated full bathroom and much much more. Seller is highly motivated. Garage was used for inspections and includes lift. Well for property is on separate parcel with right-of-way. Separate parcel is also available for purchase. don't miss the potential this home has to offer. Well for property is on separate parcel with right-of-way. Separate parcel is also available for purchase. - If house and lot are purchased together total price is $525,000. Total acreage of house and lot is 7 acres.

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
10
BikeSomewhat Bikeable

Schools

6/10
6/10

Construction

Condition

  • Year built: 1974

Materials

  • Foundation: Block
  • Roof: Asbestos Shingle
  • Construction materials: Brick,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Oven/Range - Electric,Electric Water Heater
  • Laundry features: In Basement

Basement

  • Level: Lower
  • Area: 575
  • Dimensions: 25 X 23

Basement

  • Has basement: Yes
  • Basement: Full

Bedroom1

  • Level: Upper
  • Area: 156
  • Dimensions: 12 X 13

Bedroom2

  • Level: Upper
  • Area: 143
  • Dimensions: 13 X 11

Bedroom3

  • Level: Upper
  • Area: 165
  • Dimensions: 15 X 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Breakfast Room

  • Level: Main
  • Area: 99
  • Dimensions: 11 X 9

Dining Room

  • Level: Main
  • Area: 198
  • Dimensions: 18 X 11

Family Room

  • Level: Main
  • Area: 253
  • Dimensions: 23 X 11

Features

  • Dry Wall
  • Number of fireplaces: 1
  • Fireplace features: Brick,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,442

Foyer

  • Level: Main
  • Area: 75
  • Dimensions: 5 X 15

Heating & Cooling

  • Heating features: Forced Air,Electric,Oil
  • Cooling features: Multi Units,Electric

Interior Area

  • Total structure area: 2,442
  • Total interior livable area: 2,442 sqft

Kitchen

  • Level: Main
  • Area: 108
  • Dimensions: 12 X 9

Living Room

  • Level: Main
  • Area: 285
  • Dimensions: 19 X 15

Other

  • Level: Upper
  • Area: 49
  • Dimensions: 7 X 7

Primary Bedroom

  • Level: Upper
  • Area: 221
  • Dimensions: 13 X 17

Utility Room

  • Level: Lower
  • Area: 32
  • Dimensions: 8 X 4

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 09006,013F,0000
  • Zoning: R
  • Special condition: Standard

Features

  • Levels: Two and One Half
  • Stories: 2
  • Pool features: None
  • Patio & porch: Porch,Deck
  • Exterior features: Balcony
  • Has view: Yes
  • View description: Trees/Woods,Mountain(s)

Lot

  • Lot size: 4 Acres
  • Features: Additional Lot(s),Backs to Trees,Wooded,Year Round Access

Parking

  • Total spaces: 2
  • Parking features: Oversized,Crushed Stone,Detached,Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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 WeatherVery High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Lightning
Inland Flooding
Strong Wind

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 $2,017$24,204
Home Insurance *$113$1,356
Property Taxes $345$4,140
Electricity $267$3,215
Total$2,742$32,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$94,011/yr
40% on housing$82,260/yr
45% on housing$73,120/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

$163This listing

vs Other Active Listings

Avg $/sqft

ZIP 16823$166
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
2026-02-09Price change$455,000
2025-08-16Price change$399,000
2025-07-08Price change$499,000
2025-06-26Price change$550,000
2025-06-10Price change$765,000
2025-05-30Listed for sale$825,000
1971-10-30Sold$2,500

For Sale by Agent

AgentSam Fischer
BrokerageHeritage Realty Group Inc

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