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522 Liberty St, Watsontown, PA, 17777

6beds
4baths
4,500sqft
$329,900
$73price/sqft
$2,593/moest. monthly cost
$103,720/yrincome needed

About This Home

Unique opportunity with endless possibilities! This one-of-a-kind property offers a spacious multi-unit layout with two separate living levels, each featuring 3 bedrooms, 2 baths, generous living spaces, and abundant square footage. Whether you're looking for multi-generational living, rental income potential, or a flexible home with room to grow, this property delivers. Both levels offer a variety of bonus rooms, storage areas, and utility spaces, creating countless options to fit your needs. Situated on a beautiful double lot, the exterior features a partially fenced yard, private covered patio, stunning landscaping, and a charming gazebo perfect for relaxing or entertaining. Car enthusiasts, hobbyists, and those needing extra storage will appreciate the multiple garages (see supplement) including a detached garage with a large workshop. Additional highlights include gas heat, a newer roof, and ample off-street parking. Properties with this much space, flexibility, and potential rarely come along. A must-see to truly appreciate everything it has to offer! Coming soon! Will be active June 29 for showings. Professional photos, video, and floorplans will be available next weekend.

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
24
BikeSomewhat Bikeable

Schools

--
6/10
Warrior Run High SchoolGrades 7-123.3 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Block
  • Roof: Shingle
  • Construction materials: Concrete,Frame,Vinyl Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Gas,Dishwasher,Refrigerator,Range,Microwave Built-In
  • Laundry features: Main Level,Upper Level

Basement

  • Has basement: Yes
  • Basement: Sump Pump

Bathroom

  • Level: Main
  • Area: 64.88
  • Dimensions: 8.11 x 8

Bathroom

  • Level: Main
  • Area: 28.12
  • Dimensions: 7.6 x 3.7

Bathroom

  • Level: Upper
  • Area: 72
  • Dimensions: 9 x 8

Bathroom

  • Level: Upper
  • Area: 41.1
  • Dimensions: 10 x 4.11

Bedroom1

  • Level: Main
  • Area: 205.67
  • Dimensions: 15.7 x 13.1

Bedroom1

  • Level: Upper
  • Area: 259.76
  • Dimensions: 19.1 x 13.6

Bedroom2

  • Level: Main
  • Area: 204.1
  • Dimensions: 15.7 x 13

Bedroom2

  • Level: Upper
  • Area: 204
  • Dimensions: 13.6 x 15

Bedroom3

  • Level: Main
  • Area: 267.95
  • Dimensions: 23.3 x 11.5

Bedroom3

  • Level: Upper
  • Area: 172.254
  • Dimensions: 15.11 x 11.4

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 2
  • 1/2 bathrooms: 2

Bonus Room

  • Level: Upper
  • Area: 76.836
  • Dimensions: 10.11 x 7.6

Dining Room

  • Level: Upper
  • Area: 261.085
  • Dimensions: 23.5 x 11.11

Features

  • Formal Separate,Ceiling Fan(s),Walk-In Closet(s),In-Law Floorplan
  • Window features: New
  • Flooring: Carpet W/W,Laminate
  • Fireplace features: None
  • Finished area below ground: 0
  • Finished area above ground: 4,500

Heating & Cooling

  • Heating features: Natural Gas,Hot Water
  • Cooling features: None

Interior Area

  • Total structure area: 4,500
  • Total interior livable area: 4,500 sqft

Kitchen

  • Level: Main
  • Area: 237.11
  • Dimensions: 18.1 x 13.1

Kitchen

  • Level: Upper
  • Area: 162.14
  • Dimensions: 13.4 x 12.1

Laundry

  • Level: Main
  • Area: 40.55
  • Dimensions: 8.11 x 5

Laundry

  • Level: Upper
  • Area: 63
  • Dimensions: 9 x 7

Living Room

  • Level: Main
  • Area: 225.32
  • Dimensions: 17.2 x 13.1

Living Room

  • Level: Upper
  • Area: 205.49599999999998
  • Dimensions: 15.11 x 13.6

Other

  • Level: Upper
  • Area: 42.5
  • Dimensions: 8.5 x 5

Storage Room

  • Level: Main
  • Area: 54.78
  • Dimensions: 8.3 x 6.6

Utility Room

  • Level: Main
  • Area: 141.57
  • Dimensions: 12.1 x 11.7

Property

Details

  • Parcel number: 061-02-002-233
  • Zoning: R

Features

  • Levels: Two
  • Patio & porch: Porch,Pavillion/Gazebo
  • Exterior features: Balcony
  • Fencing: Fenced - In Yard
  • Has view: Yes
  • View description: City
  • Waterfront features: None
  • Topography of land: Level

Lot

  • Lot size: 0.29 Acres
  • Features: Level,Cleared

Parking

  • Parking features: See Property Info,Off Street

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 FloodingVery High
  • Winter Weather
    Winter WeatherVery High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Lightning
Strong Wind
Cold Wave

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 $1,668$20,016
Home Insurance *$125$1,500
Property Taxes $307$3,684
Electricity $493$5,924
Total$2,593$31,116
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$88,902/yr
40% on housing$77,790/yr
45% on housing$69,146/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.1%
-2.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$73This listing

vs Other Active Listings

Avg $/sqft

ZIP 17777$232
Northumberland County$98

vs Homes Sold Last Month

Median $/sqft

ZIP 17777$100
Northumberland County$82

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
2026-08-12Pending sale$329,900
2026-08-01Listed for sale$329,900
2026-07-08Contingent$329,900
2026-06-30Pending sale$329,900
2026-06-29Listed for sale$329,900

For Sale by Agent

AgentEmily Butler
BrokerageAdventure Realty - Montoursville

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