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145 E Chestnut St, Lancaster, PA, 17602

4beds
2baths
3,800sqft
$524,900
$138price/sqft
$3,740/moest. monthly cost
$149,600/yrincome needed

About This Home

*6 Mostly Tenant-Occupied Downtown Lancaster Properties Just Listed. Offered for sale individually or as a full investment portfolio: 2-UNIT 241 N FRANKLIN ST. $224,900., 1-UNIT 243 N FRANKLIN ST. $210,000., 3-UNIT 152 E WALNUT ST. $499,900., 1-UNIT 40 N PLUM ST. $229,900., 2-UNIT 145 E CHESTNUT ST. $574,900, 3-UNIT + GARAGE 404 W ORANGE ST. $349,900.* 145 East Chestnut Street used to be a law firm! The current owner converted it into 2 lovely units. 2 BD unit on the 1st level and she renovated the 2nd and 3rd levels into her own part-time Lancaster City escape. This is why there is no current lease noted for the 2nd unit, but there certainly could be. The owner is also an avid gardener and poured her heart and soul into the back yard space. Discover the charm of this traditional end-of-row townhouse, a timeless gem built in 1900, nestled in a vibrant neighborhood that perfectly balances historic character with modern convenience. Spanning an impressive 3,800. sq. ft. Imagine sipping your morning coffee on the inviting front porch or hosting gatherings in the spacious full basement, ready to be transformed into your dream entertainment area. The masonry construction ensures durability, while the off-street parking provides added convenience in this bustling locale. Located just moments away from local parks, trendy cafes, and boutique shops, this home is a gateway to a lively community. Enjoy easy access to public transportation, making city exploration a breeze. With a lot size of 0.09 acres, there's room for outdoor enjoyment without the burden of extensive upkeep. This property is not just a home; it's a lifestyle waiting to be embraced. Don't miss your chance to make it yours!

Getting Around

95
WalkingWalker's Paradise
0
TransitVery Limited Transit
66
BikeBikeable

Schools

5/10
Ross El SchoolGrades PK-50.8 mi
4/10
Lincoln Middle SchoolGrades 6-81.0 mi
5/10
Mccaskey CampusGrades 9-120.8 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Construction materials: Masonry

Type & Style

  • Home type: MultiFamily
  • Architectural style: Traditional
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Electric Water Heater

Basement

  • Area: 0

Basement

  • Has basement: Yes
  • Basement: Full

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Heating & Cooling

  • Heating features: Radiator,Natural Gas
  • Cooling features: Window Unit(s),Electric

Interior Area

  • Total structure area: 3,800
  • Total interior livable area: 3,800 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3367280500000
  • Zoning: RES
  • Special condition: Standard

Features

  • Pool features: None

Lot

  • Lot size: 3,920 sqft

Parking

  • Total spaces: 2
  • Parking features: Off Street,On Street
  • Has uncovered spaces: Yes

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
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Earthquake
Hurricane
Lightning

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 $2,654$31,848
Home Insurance *$146$1,752
Property Taxes $524$6,288
Electricity $416$5,003
Total$3,740$44,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$128,228/yr
40% on housing$112,200/yr
45% on housing$99,733/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: 9.7%
9.7%
0%30.0%
Electricity Growth Rate10-year average: 8.4%
8.4%
0%15.0%
Property Taxes Growth Rate2-year average: -2.2%
-2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$138This listing

vs Other Active Listings

Avg $/sqft

ZIP 17602$160
Lancaster County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 17602$211
Lancaster County$208

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
2026-05-13Listed for sale$574,900
2015-05-15Sold$170,000

For Sale by Agent

AgentKate Bailey
BrokerageColdwell Banker Realty

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