Home for Sale at 218 GERTRUDE STREET, PHILIPSBURG, PA 16866

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218 Gertrude Street
Philipsburg, PA 16866

Jared J. Ernico with EXP Realty, LLC, original listing - (814) 231-8200

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Property Details

List Price:	$169,900
Beds:	4
Baths:	Full: 1, ½: 1
Status:	Active
SqFt:	2284 Square Feet
Agency:	EXP Realty, LLC
Agency Phone:	(888) 397-7352

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Description/Comments

Lot Size:	0 acre(s)
Property Type:	Residential-Single Family Residence
Year Built:	1920
Notes:	Discover affordable and spacious living in the heart of Philipsburg with this charming 4-bedroom, 1.5-bath home. The first-floor layout is designed to impress, offering open and inviting spaces filled with character.<br /> <br /> The large kitchen, complete with a breakfast bar and adjoining breakfast room, provides the perfect setting for family meal prep and casual dining. A short step up leads to the formal dining room, which boasts ample space for a sizeable table—ideal for holidays and special occasions.<br /> <br /> The light-filled family room offers a cozy atmosphere, perfect for watching a game or enjoying a good book. Step down to the formal living room, featuring built-in shelving and French doors that open to an enclosed and heated sunroom/study/sitting room. This versatile space connects seamlessly to the kitchen and breakfast area, creating a full-circle flow on the first level. A newly added half bath completes this level, enhancing convenience.<br /> <br /> Natural light floods the home, highlighting the beautiful hardwood floors that add warmth and elegance. The unique split stairway offers two options to access the second level, where you’ll find 4 spacious bedrooms and a full bath.<br /> <br /> The exterior of the home features a detached 2-car garage, a nicely sized yard, a patio, and a shed—providing plenty of outdoor space for relaxation and storage. With many updates and close proximity to town and schools, this home is perfect for creating lasting memories with your growing family. Don't miss out on this affordable gem in Philipsburg!
MlsNumber:	--
ListingId:	PACD2044426

Listing Provided By:	EXP Realty, LLC, original listing
Phone:	(814) 231-8200
Office Phone:	(814) 231-8200
Agent Name:	Jared J. Ernico
Disclaimer:	Copyright © 2025 Bright MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

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HUD Foreclosures

HUD foreclosures and VA Foreclosures are some of the best homes to buy when price is part of the equation. As with most Americans, price is always a concern. If not buying the same house for less, why not buy more house for the same dollar invested? When looking for a good deal it is hard to do better than the VA or HUD foreclosures market. The simple truth is that there are just more VA and HUD homes on the market, as they represent such a large number of mortgages that are generated each year. This translates into more foreclosures just by the magnitude of difference between all others comparing to the two largest.

The two largest also being government owned and operated means that they have less time to wait to make money back on the home. The FHA is especially known for selling HUD homes for less than the average sales price in a given area. FHA foreclosures represent a fraction of HUD but they are still a significant number of homes and both should be considered.

VA (Veterans Administration) and HUD (Housing and Urban Development) have different and unique opportunities for the buyer. Both are often forgiven for the local taxes normally associated with the purchase of a home (this is on a county by county basis). Be sure to ask the local title company or escrow company to look into it for you before closing as this is often missed due to their are not used to dealing with the 2 to 3 percent of the market that VA and HUD foreclosures represent.

Foreclosure Listings Increasing

As the market settled after the mortgage meltdown foreclosure listings also settled and fewer homes were on the market with a placard reading “Bank Foreclosure” in big red lettering. This was a good thing for the entire real estate market. Having an abundance of foreclosures brings the entire market down and it makes it harder for home owners, who would like to move, to get the appropriate price for their home as a similar home down the same street was sold for substantially less and the appraiser is using the foreclosure as a comparable sale.

This is just one of the problems when there are too many foreclosure listings in any area. Another issue is the television set that sits in everyone’s living room harping about the price of homes based on the number of foreclosures and this constant barrage of negative information makes most people sit on the sidelines waiting for the market to either implode completely or to correct itself. Meanwhile while they wait, others are buying foreclosure listings and making great investments.

Whatever the reason, a market can only handle so many foreclosure listings at any given time. The more foreclosures, the lower the market gets and this is a lesson the banks that were foreclosing and selling off realized too late. The market and their investments would have been better off if there had not been a rush to divest themselves of the toxic assets made more toxic by their own actions.

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