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2242 Scotland Rd, Chambersburg, PA, 17201

5beds
3baths
3,410sqft
$449,000
$132price/sqft
$3,194/moest. monthly cost
$127,760/yrincome needed

About This Home

***Price Adjustment!**** Welcome to 2242 Scotland Road, an impressive and eye-catching brick home where timeless quality meets thoughtful design. From the distinctive grapevine joint brickwork to the abundance of well-appointed spaces, every detail reflects true craftsmanship. With over 3,000 square feet of finished living space, this home offers both function and comfort with a layout that flows seamlessly. Step inside to a stunning wood-floored entryway that opens into two separate inviting living rooms, each with its own fireplace, perfect for entertaining or cozy evenings in. A sun-soaked four-season room adds warmth and charm, while the open concept kitchen and breakfast nook blend everyday convenience with style. The kitchen boasts an abundance of cabinetry in a timeless color palette, paired with a large designated dining room featuring elegant trim work, calming tones, and generous windows for natural light. The main level also offers a spacious laundry room with sink, an oversized half bath, and plenty of storage. Upstairs you’ll find four generously sized bedrooms and two full baths, including a primary suite large enough to accommodate a seating area or home office, with incredible closet space to match. The finished basement expands your possibilities with a fifth bedroom and endless room for a home gym, playroom, or additional living area. A new tankless water heater adds modern efficiency. Outdoors, the covered front porch is a treat—ideal for morning coffee or relaxing evenings. This is truly a home you won’t want to miss. The sellers are motivated and ready to make a move, creating a rare opportunity for a buyer to secure a home of this size and craftsmanship at an incredible value. They are serious about selling and welcoming strong offers. If you’ve been waiting for the right home to step into with confidence, now is your chance.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

6/10
Scotland El SchoolGrades K-52.6 mi
8/10

Construction

Condition

  • Year built: 1984

Materials

  • Foundation: Permanent
  • Construction materials: Brick

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater
  • Laundry features: Main Level

Basement

  • Area: 186

Basement

  • Has basement: Yes
  • Basement: Partially Finished,Interior Entry

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Number of fireplaces: 2
  • Fireplace: Yes
  • Finished area below ground: 186
  • Finished area above ground: 3,224

Heating & Cooling

  • Heating features: Heat Pump,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 3,410
  • Total interior livable area: 3,410 sqft

Property

Accessibility

  • Accessibility features: 2+ Access Exits

Details

  • Parcel number: 090C12.233.000000
  • Zoning: R-2
  • Zoning description: Medium-Density Residential
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: None

Lot

  • Lot size: 0.68 Acres

Parking

  • Total spaces: 2
  • Parking features: Garage Faces Side,Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
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 $2,270$27,240
Home Insurance *$165$1,980
Property Taxes $385$4,620
Electricity $374$4,489
Total$3,194$38,328
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,508/yr
40% on housing$95,820/yr
45% on housing$85,173/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: 7.2%
7.2%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: 0.9%
0.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$132This listing

vs Other Active Listings

Avg $/sqft

ZIP 17201$139
Franklin County$148

vs Homes Sold Last Month

Median $/sqft

ZIP 17201$157
Franklin County$172

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
2026-05-12Price change$449,000
2026-04-03Price change$469,000
2026-02-24Listed for sale$499,000
2025-12-03Listing removed$499,000
2025-10-17Price change$499,000
2025-09-19Listed for sale$517,500
2025-09-15Listing removed$517,500
2025-09-02Listed for sale$517,500
2021-06-30Sold$350,000
2021-02-17Sold$250,000

For Sale by Agent

AgentLauren Gardner
BrokerageKeller Williams of Central PA

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