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18 W Liberty St, Lancaster, PA, 17603

4beds
2baths
1,610sqft
$399,900
$248price/sqft
$2,780/moest. monthly cost
$111,200/yrincome needed

About This Home

Live in the heart of Lancaster City—where everything you love is just a short walk away—while making a smart move for your future. This fully updated two-unit property offers a rare opportunity to enjoy city living with built-in income. Imagine starting your day with a walk to Lancaster Central Market, grabbing coffee on your way to Penn Square, and coming home to a space that blends historic character with modern comfort. The property features a spacious 3-bedroom, 1-bath unit and a well-appointed 1-bedroom, 1-bath unit—both completely renovated in 2021. Thoughtful updates include LVP flooring, granite countertops, updated lighting and plumbing fixtures, and central A/C in both units, along with efficient gas heat. Inside, you’ll find the details that make a house feel like home—exposed brick, arched windows, and natural light pouring in throughout the day. Both units offer generous kitchen cabinet space, ample closets, and the convenience of in-unit washer and dryer. Currently tenant-occupied, this property allows you to step into ownership with immediate income. Live in one unit while the other helps offset your mortgage—giving you the freedom to enjoy your home while building equity at the same time. Located just steps from the Amtrak station and within the LGH employee zone, this is more than a home—it’s a lifestyle. Walk to restaurants, shops, and everything downtown Lancaster has to offer. Opportunities like this don’t come along often—the chance to live well, simplify your life, and make a smart financial move all at once.

Getting Around

88
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

5/10
Ross El SchoolGrades PK-50.0 mi
6/10
Reynolds Middle SchoolGrades 6-80.9 mi
5/10
Mccaskey CampusGrades 9-121.0 mi

Construction

Condition

  • Property condition: Excellent
  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Composition,Shingle,Metal,Rubber
  • Construction materials: Brick

Notable Dates

  • Major remodel year: 2021

Type & Style

  • Home type: Townhouse
  • Architectural style: Victorian
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Oven/Range - Gas,Washer/Dryer Stacked,Water Heater,Electric Water Heater,Gas Water Heater

Basement

  • Area: 680

Basement

  • Has basement: Yes
  • Basement: Full,Exterior Entry

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Entry Level Bedroom,Upgraded Countertops
  • Flooring: Carpet
  • Finished area above ground: 1,610

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air,Natural Gas

Interior Area

  • Total structure area: 2,290
  • Total interior livable area: 1,610 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3398823600000
  • Zoning: RESIDENTIAL-100
  • Special condition: Standard
  • Exclusions: Tenants' Personal Property

Features

  • Levels: Three
  • Stories: 3
  • Pool features: None

Lot

  • Lot size: 1,306 sqft

Parking

  • Parking features: 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

  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Cold Wave
Earthquake
Hurricane
Inland Flooding
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 $2,022$24,264
Home Insurance *$135$1,620
Property Taxes $399$4,788
Electricity $224$2,692
Total$2,780$33,360
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$95,314/yr
40% on housing$83,400/yr
45% on housing$74,133/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

$248This listing

vs Other Active Listings

Avg $/sqft

ZIP 17603$165
Lancaster County$179

vs Homes Sold Last Month

Median $/sqft

ZIP 17603$187
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
2026-04-22Listed for sale$439,000
2020-12-23Sold$145,000
2011-03-29Listing removed$149,900
2011-03-05Listed for sale$149,900
2005-02-22Sold$74,000

For Sale by Agent

AgentSharon McDonnell
BrokerageLusk & Associates Sotheby's International Realty

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