Houses
This Remodeled 1902 Victorian in East Stroudsburg, PA Has a Front Porch and an Updated Kitchen — Listed at $299,000
A red-and-cream Victorian with a deep, gingerbread-trimmed porch sits at 25 Smith St in East Stroudsburg, Pennsylvania, listed at $299,000. Zillow’s headline shows 3 bedrooms, 2 bathrooms and 1,968 square feet, on a lot of 7,405 square feet (about 0.17 acres). The year built is 1902, and Zillow classifies the style as Victorian. The marketing copy calls it a “beautifully remodeled Victorian-style home” in “the heart of East Stroudsburg Borough.” Those are the listing’s words, not an inspection report.
The listing was For sale when checked, with 1,501 views and 212 saves after 9 days on Zillow — interest, nothing more. The Zestimate is $291,800 (range $277,000–$306,000). A Rent Zestimate of $2,169 a month is Zillow’s model, not a rent roll. Facts & Features say there is no HOA.
Quick Look: The Listing Details
| Address | 25 Smith St, East Stroudsburg, PA 18301 |
| List price | $299,000 |
| Status | For sale |
| Year built / style | 1902, Victorian, per Zillow |
| Bedrooms | 3 |
| Bathrooms | 2 |
| Interior | 1,968 sq ft |
| Lot | 7,405 sq ft (about 0.17 acres) |
| Water / sewer | Public water and sewer, per the listing |
| Parking | Six open parking spaces and a newly paved driveway, per the listing |
| Zestimate | $291,800 (range $277,000–$306,000) |
| Taxes shown | Assessed $91,140; annual amount $4,341 — see tax section for a small history difference |
A Porch on Smith Street, in the Borough
The listing leans on location, charm and modern updates. It places the house in East Stroudsburg Borough, “just a stroll away from downtown shops, restaurants, parks,” with “convenient access to major commuting routes.” We are not inventing walk times or a commute. The photos show a classic front porch, a compact yard and a side driveway on about a sixth of an acre, with neighboring homes close by, as you would expect in a borough.
Outside, the listing also calls out a newly paved driveway and six open parking spaces. No fireplace is listed. Confirm parking and lot lines on the survey.
Inside: Remodeled Rooms, and a Finished Attic
The description promises architectural details “you simply can’t find in newer construction,” paired with updates “today’s buyers love.” Specifically, it lists central air, an updated kitchen with modern appliances, new flooring, and an open living space. Facts & Features mention high ceilings and crown molding, a finished attic — pitched as a possible office or retreat — and a full walk-out unfinished basement, plus public water and sewer. Walk the attic, basement and updates with an inspector; do not assume them from marketing copy.
The opening photos in the 80-image gallery, including those in this article, show the porch, the main living rooms and the kitchen. Bedrooms, the attic and the basement may appear later in the full set. Ask the agent for a complete tour.
Price History
The current ask is $299,000, shown as listed on Nov. 4, 2026 under PMAR #PM-146147. Zillow’s date on market is Nov. 3, 2026 — a one-day difference we are noting, not resolving. Earlier history shows the address listed at $155,000 on Dec. 11, 2020 and sold at $150,000 on Jan. 22, 2021. We are reporting those figures as displayed, not reconstructing the work done since 2021.
Estimated Monthly Mortgage Payment (Illustration Only)
This is an illustration, not a quote. We used a purchase price of $299,000; a conventional 20% down payment of $59,800; a loan of $239,200; a 30-year fixed term; and an example rate of 7.11% — the Freddie Mac Primary Mortgage Market Survey average for the week of Nov. 12, 2026, for conventional conforming purchase loans with 20% down and excellent credit. Do not treat 7.11% as an offer.
What that example comes to
Under those assumptions, principal and interest would be about $1,610 a month. Adding the annual tax amount shown on Zillow — $4,341, or about $362 a month — would bring a rough principal-interest-and-tax sketch to about $1,972 a month, still before insurance and utilities. A 2026 tax-history figure of $4,220 would change that tax piece only slightly.
Financing Options: Conventional, FHA, USDA and VA
A $239,200 loan is well under the 2026 FHFA baseline conforming limit of $832,750 for a one-unit home, so conventional conforming financing is the usual path if credit, appraisal and condition support it. A 1902 house that has been updated can still raise questions until the work is documented.
FHA loans
FHA-insured loans allow a down payment as low as 3.5% for eligible borrowers, plus mortgage insurance and FHA minimum property standards. Central air, public utilities and a recent remodel can help a file; safety issues can stall it. We are not saying this address qualifies.
USDA rural loans
USDA Section 502 guaranteed loans can offer 100% financing in eligible rural areas, with income limits. East Stroudsburg is a borough, and in-town lots are often ineligible even when nearby countryside is eligible. Check the current USDA map. Do not assume this lot qualifies because it is in the Poconos.
VA loans
Eligible veterans, service members and some surviving spouses may use a VA loan, often with no down payment, subject to occupancy and minimum property requirements. A 1902 house should still be reviewed for safety and soundness. That is general guidance, not a determination.
Property Taxes in Pennsylvania
Pennsylvania relies on local property taxes levied by the county, the municipality and, in most places, the school district, often the largest piece of the bill. There is no single statewide rate. A homestead exclusion may apply to a primary residence; we are not assuming this house qualifies.
Zillow shows an assessed value of $91,140 and an annual tax amount of $4,341. The public tax history lists $4,220 for 2026, $4,072 for 2025 and $3,748 for 2024. The annual amount and the 2026 history figure are close but not identical. We are not treating either as next year’s bill. A $299,000 purchase would sit well above the assessed value shown here. Confirm a current estimate with the county assessment office.
Homeowners Insurance for an Older, Updated House
A 1902 Victorian is still an older building in an insurer’s file, even when a listing describes a remodel. Carriers will want the age of the roof, electrical service, plumbing and central air, and whether the updates were permitted. Some companies are more comfortable with documented new systems; others still apply older-home restrictions. We are not publishing a premium. Get written quotes, and share any renovation records, before you rely on a payment sketch.
Cost of Living in East Stroudsburg
Cost-of-living indexes for the Poconos and Monroe County do not all tell the same story, and we are not picking a single number as fact. A $299,000 borough house is a different budget from a new build on acreage. Estimate everyday costs, commuting, taxes and utilities with current local figures. The listing’s pitch is convenience to downtown and major routes; test that against your own job and errands.
Schools Shown on the Listing
Zillow, citing GreatSchools, shows J M Hill Elementary School (K–5, 0.2 miles, 4/10), J T Lambert Intermediate School (6–8, 1.3 miles, 5/10) and East Stroudsburg Senior High School South (9–12, 0.6 miles, 5/10). Ratings and zones change. Confirm with the district.
Things to Verify
- The scope of the remodel: kitchen, flooring, central air, driveway, electrical and plumbing, and permits
- The finished attic, the walk-out basement, and the three-bedroom, two-bath layout
- Lot lines on 7,405 square feet, the six parking spaces, and any shared driveway or setbacks
- The $4,341 annual-tax figure versus the $4,220 history amount for 2026, and any post-sale reassessment
- Insurance quotes on a 1902 house, and conventional, FHA, USDA or VA eligibility
- That there is in fact no HOA, as Facts & Features state
The Bottom Line
At $299,000, 25 Smith St is listed as a 1902 Victorian of 1,968 square feet, with three bedrooms, two baths, a front porch, an updated kitchen and a finished attic, on a 7,405-square-foot borough lot. It is for sale, the Zestimate is just under the ask, and the last recorded sale in 2021 was $150,000. For a buyer who wants an older house that has already been worked on, it is worth a careful look — after the remodel, taxes and insurance are confirmed in writing.
Frequently Asked Questions
What is the asking price?
$299,000, according to the current listing dated Nov. 4, 2026. The same address sold for $150,000 in January 2021. Confirm with the agent.
How much land is included?
Zillow shows a 7,405-square-foot lot, about 0.17 acres. Ask for the survey, including parking and the driveway.
What would the monthly payment be?
A labeled illustration using 20% down, a $239,200 30-year loan and a 7.11% Freddie Mac average from the week of Nov. 12, 2026, comes to about $1,610 a month in principal and interest, before taxes and insurance. That is not a quote.
How much are the property taxes?
Zillow shows $4,341 a year on an assessed value of $91,140. The 2026 tax-history entry is $4,220. Confirm a current estimate with the county.
Can I use FHA, USDA or VA financing?
FHA and VA may be possible if you and the house meet program rules; USDA often does not fit a borough lot. Check with a lender. We are not saying this address qualifies.
What updates are included?
The listing cites central air, an updated kitchen with modern appliances, new flooring, a newly paved driveway and a finished attic. Confirm what was done, when, and with which permits.
See the full listing, all photos and the latest status on Zillow: https://www.zillow.com/homedetails/25-Smith-St-East-Stroudsburg-PA-18301/9805646_zpid/
Listing courtesy of Danielle M. Rovito, RE/MAX Crossroads, as shown on Zillow. Source: PMAR, MLS #PM-146147. Photos via the listing on Zillow; all rights belong to their owners.
Disclaimer: All property details, prices, measurements and photos in this article come from the public listing on Zillow at the time of writing and may change at any time. This article is for informational purposes only and is not affiliated with the seller or listing agent. Verify all information with the listing agent and through your own inspection, survey and research before making any decision.
