109 E Locust St, Clearfield, PA, 16830
About This Home
Located in the heart of downtown Clearfield, this versatile mixed-use property offers both commercial and residential space all under one roof -- creating endless possibilities for investors, business owners, or those seeking a convenient live/work setup.The main level is currently configured for office use and features a welcoming waiting area, multiple private spaces, storage, break room, multiple entrances, and 2 half baths for added convenience and functionality. Upstairs, the residential portion includes 2 bedrooms, 1 full bathroom, a kitchen, living room, and additional storage space, providing comfortable living quarters separate from the commercial area along with the finished third floor. Situated on a low-maintenance lot within the Clearfield Area School District, the property is just steps from local shops, restaurants, and downtown amenities. Originally built circa 1900, this property combines character, flexibility, and opportunity in a prime borough location.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1900
Materials
- Foundation: Block,Stone,Combination
- Roof: Shingle
- Construction materials: Stick-Built,Brick
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Refrigerator,Range
Basement
- Has basement: Yes
Bathroom
- Level: First
Bathroom
- Level: First
Bathroom
- Level: Second
Bedroom
- Level: Second
Bedroom
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
Features
- Window features: Double Pane Windows,Insulated Windows,Window Coverings
- Fireplace features: None
- Finished area below ground: 0
- Finished area above ground: 2,256
Heating & Cooling
- Heating features: Baseboard,Natural Gas,Hot Water
- Cooling features: Ceiling Fan(s),Wall Unit(s)
Interior Area
- Total structure area: 2,256
- Total interior livable area: 2,256 sqft
Kitchen
- Level: Second
Living Room
- Level: Second
Other
- Level: Second
Property
Details
- Parcel number: 004132667
- Zoning: RES - 04
Features
- Levels: Two
- Stories: 2
- Patio & porch: Covered,Porch,Deck
Lot
- Lot size: 1,742 sqft
Parking
- Parking features: No Garage
- 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
- Inland Flooding
- Lightning
- Strong Wind
- Winter Weather
- Cold Wave
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 | $685 | $8,220 |
| Home Insurance * | $104 | $1,248 |
| Property Taxes | $120 | $1,440 |
| Electricity | $247 | $2,970 |
| Total | $1,156 | $13,872 |
Income You'd Need if You Spent...
Pennsylvania FAIR Plan Programs
Insurance Placement Facility of Pennsylvania/FAIR Plan
Wildfire
HailWindHow 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 |
|---|---|---|
| 2026-08-12 | Price change | $125,500 |
| 2026-07-01 | Price change | $135,500 |
| 2026-06-01 | Listed for sale | $147,500 |
| 2025-11-21 | Sold | $87,500 |
| 2025-10-07 | Contingent | $89,900 |
| 2025-10-02 | Listed for sale | $89,900 |
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