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20 E 7th St, Oil City, PA, 16301

4beds
2baths
1,688sqft
$184,500
$109price/sqft
$1,633/moest. monthly cost
$65,320/yrincome needed

About This Home

Recently remodeled 3 story home located in a quiet neighborhood and great views from the rear deck. Finished basement and 3rd floor master bedroom. New Mitsubishi mini-split systems on every floor for heat and air conditioning.

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

5/10
Seventh Street SchoolGrades 2-40.2 mi
7/10
4/10

Construction

Condition

  • Year built: 1900

Materials

  • Roof: Composition
  • Construction materials: Frame,Brick

Type & Style

  • Home type: SingleFamily
  • Property subType: Residential

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator
  • Laundry features: W/D Hook Up

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Features

  • Flooring: Laminate

Heating & Cooling

  • Heating features: Heat Pump,Hot Water,Other
  • Cooling features: Central Air,Other

Interior Area

  • Total structure area: 1,688
  • Total interior livable area: 1,688 sqft

Property

Details

  • Parcel number: 16026149000
  • Zoning: R-1 A

Features

  • Levels: Two
  • Stories: 3
  • Patio & porch: Deck,Porch

Lot

  • Lot size: 5,662 sqft
  • Lot size dimensions: 41 x 140

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

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Lightning
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 $932$11,184
Home Insurance *$290$3,480
Property Taxes $187$2,244
Electricity $224$2,692
Total$1,633$19,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,988/yr
40% on housing$48,990/yr
45% on housing$43,546/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: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.3%
-2.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$109This listing

vs Other Active Listings

Avg $/sqft

ZIP 16301$73
Venango County$95

vs Homes Sold Last Month

Median $/sqft

ZIP 16301$44
Venango County$104

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
2026-05-09Price change$209,500
2026-04-24Price change$219,500
2025-12-24Price change$229,500
2025-10-16Price change$239,500
2025-08-31Price change$244,500
2025-07-07Price change$249,500
2025-06-20Listed for sale$250,000
2011-07-14Sold$18,000
2011-05-16Sold$1,564
2011-05-14Price change$23,000
2011-04-27Listed for sale--

For Sale by Agent

AgentKristopher Johnson
BrokerageRichards & Richards Real Estate LLC

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