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31 Lower Hilltop Rd, Berwick, PA, 18603

4beds
2baths
1,456sqft
$260,000
$179price/sqft
$1,883/moest. monthly cost
$75,320/yrincome needed

About This Home

Welcome to this spacious and handicap-accessible ranch home offering versatility and privacy! This home sits perfectly on a secluded lot. It features a spacious bonus room that can serve as a 4th bedroom with its own half bath en-suite or as a spacious family room. Enjoy year-round relaxation in the bright 4 season room overlooking nature. Additional highlights include handicap accessibility with a ramp, two heat sources, two carports, ample off-street parking, and a fenced yard ideal for pets, play or entertaining. With its flexible floor plan, accessible design and tranquil setting, this property offers a unique opportunity!

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
6
BikeSomewhat Bikeable

Schools

5/10
6/10
Berwick Area High SchoolGrades 9-121.5 mi

Construction

Condition

  • Property condition: Very Good
  • Year built: 1972

Materials

  • Roof: Composition
  • Construction materials: Aluminum Siding

Type & Style

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

Interior

Appliances

  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Concrete,Bilco Door

Bedroom1

  • Level: First
  • Area: 100
  • Dimensions: 10 x 10

Bedroom2

  • Level: First
  • Area: 196
  • Dimensions: 14 x 14

Bedroom3

  • Level: First
  • Area: 130
  • Dimensions: 13 x 10

Bedroom4

  • Level: First
  • Area: 324
  • Dimensions: 27 x 12

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,Ceiling Fan(s),Eat-in Kitchen
  • Finished area below ground: 0
  • Finished area above ground: 1,456

Half Bathroom

  • Level: First
  • Area: 24
  • Dimensions: 6 x 4

Heating & Cooling

  • Heating features: Electric,Propane,Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 1,456
  • Total interior livable area: 1,456 sqft

Kitchen

  • Level: First
  • Area: 224
  • Dimensions: 16 x 14

Living Room

  • Level: First
  • Area: 222.75
  • Dimensions: 13.5 x 16.5

Other

  • Level: First
  • Area: 324
  • Dimensions: 27 x 12

Sunroom

  • Level: First
  • Area: 230
  • Dimensions: 11.5 x 20

Property

Details

  • Parcel number: 07,02C03806,000
  • Zoning: Residential
  • Zoning description: Residential
  • Exclusions: Personal Property

Features

  • Levels: One
  • Patio & porch: Patio

Lot

  • Lot size: 0.41 Acres
  • Features: Cleared
  • Lot size dimensions: 111x196

Parking

  • Parking features: Private

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
  • Winter Weather
    Winter WeatherRelatively High
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
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 $1,314$15,768
Home Insurance *$116$1,392
Property Taxes $229$2,748
Electricity $224$2,692
Total$1,883$22,596
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,560/yr
40% on housing$56,490/yr
45% on housing$50,213/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: 11.9%
11.9%
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

$179This listing

vs Other Active Listings

Avg $/sqft

ZIP 18603$94
Columbia County$133

vs Homes Sold Last Month

Median $/sqft

ZIP 18603$130
Columbia County$134

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
2026-08-07Price change$250,000
2026-07-21Listed for sale$260,000

For Sale by Agent

AgentTeam Stash
BrokerageChristian Saunders Real Estate

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