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645 N Hanover St, Carlisle, PA, 17013

2beds
1baths
1,331sqft
$199,000
$150price/sqft
$1,467/moest. monthly cost
$58,680/yrincome needed

About This Home

Great 2-bedroom, 1 bath detached home in Carlisle. Detached 1 car garage and off-street parking. Finished basement with 3rd bedroom and family room. Hardwood floors throughout home. Plenty of opportunity here, making it an ideal fixer-upper for investors, flippers, or savvy buyers looking to build equity.

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

4/10
Hamilton El SchoolGrades K-50.3 mi
5/10
Wilson Middle SchoolGrades 6-81.2 mi
6/10
Carlisle Area High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1930

Materials

  • Foundation: Block
  • Construction materials: Frame,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 2

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,331

Heating & Cooling

  • Heating features: Radiator,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,331
  • Total interior livable area: 1,331 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 02201800061
  • Zoning: RESIDENTIAL
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 4,356 sqft

Parking

  • Total spaces: 3
  • Parking features: Garage Faces Rear,Detached,Off Street
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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 FloodingModerate
  • 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 $1,006$12,072
Home Insurance *$53$636
Property Taxes $184$2,208
Electricity $224$2,692
Total$1,467$17,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,297/yr
40% on housing$44,010/yr
45% on housing$39,120/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: 11.1%
11.1%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -0.7%
-0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$150This listing

vs Other Active Listings

Avg $/sqft

ZIP 17013$157
Cumberland County$169

vs Homes Sold Last Month

Median $/sqft

ZIP 17013$177
Cumberland County$185

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
2026-08-13Price change$189,000
2026-07-28Listed for sale$199,000
2015-08-14Sold$145,000
2015-07-06Pending sale$142,000
2015-06-02Price change$142,000
2015-05-04Listed for sale$149,900
2000-06-21Sold$84,000

For Sale by Agent

AgentJohn Lukas
BrokerageKeller Williams Keystone Realty

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