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Welcome to the Susquehanna Valley situated on the border of central and northeastern Pennsylvania and this area's most comprehensive real estate web site. Here you will be able to find all sorts of useful information within one easy source so take your time and enjoy!
 
We are a strong, vibrant and global real estate family. We strive every day to deliver unsurpassed market intelligence and insights, and use our strengths to help you successfully buy and sell real estate. We embrace your goals and are committed to achieving them. The award winning company and agents of CENTURY 21 Covered Bridges Realty, Inc. offer the most complete real estate service to our clientele with a truly visionary approach to high tech marketing and skills. We have served the real estate needs of Columbia, Montour, and lower Luzerne counties and surrounding areas for 34 years and look forward to providing you with the finest quality service unmatched by our competitors. Browsing through this site will allow you to explore our region along with community information, demographics, schools, medical facilities, area attractions plus much, much more. 
  
With our search the MLS, we give you direct access to all the properties available in a five county area, as well as new listings, featured properties, single property websites, and virtual tours. Upon e-mail request, we can also send you all new listings within your search criteria immediately as they become available with e-mail alerts so you won’t miss the "right" property.
 
Also available are valuable articles and information regarding buying, selling, home improvement, free reports, tax planning, as well as up to the minute news and weather from various media sources. In addition, the real estate resource center and blog are updated daily with real estate articles and answers to thousands of consumer’s questions about the buying and selling process.
 
If you are a first time buyer, experienced investor, or anything in between, you will find priceless information on our site about how to choose the right property, making an offer, negotiating, financing, mortgage rates, moving, and everything involved in making an informed decision in today’s real estate marketplace. 


In addition to all the information we have available for buyers, we also provide up-to-date information for sellers. If you are considering selling your property, this site offers dozens of articles about preparing your home for sale, choosing the right agent, appropriate pricing, effective marketing, the inspection process, and the importance of a market evaluation.
 
Thank you for visiting our online real estate website. We hope you enjoy our site and find everything you are looking for and more. We will look forward to hearing from you, so we can help you with all your real estate needs. Be sure to visit us often!

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CENTURY 21 Covered Bridges Realty, Inc.
Bloomsburg: 570-784-2821

Benton: 570-925-0210

Testimonials

Did a fantastic job staying on top of things and keeping me informed. Answered questions day/night. Very easy to work with. Knowledgable of every aspect of purchase. Recommend to anyone. Brandon - Bloomsburg
Kim was very helpful with the process as we had just left for vacation when negotiations ended. Everything was handled through email and went smoothly from start to finish. My husband and I were able to relax and enjoy our vacation. Sylvia R. (Seller)
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Real Estate News

Latest in Housing News and Tips for Home Ownership

‘Hottest Zip Codes’: A Tale of Three States

Realtor.com®’s annual Hottest Zip Codes in America ranking reads like a tale of three states: California, Colorado and Michigan.

  1. Watauga, Texas (76148)
  2. Livonia, Mich. (48154)
  3. Kentwood, Mich. (49548)
  4. Medford, Mass. (02155)
  5. Littleton, Colo. (80123)
  6. Castro Valley, Calif. (94546)
  7. Colorado Springs, Colo. (80922)
  8. Overland Park, Kan. (66210)
  9. Mira Mesa (San Diego), Calif. (92126)
  10. Hilliard, Ohio (43026)

California, Colorado and Michigan nabbed six spots in the top 10 (another zip in California, 95758, stopped just shy at No. 11), thanks to three traits: affordability, good-paying jobs and millennials. Of California’s zip codes in the top 10, the median home price ranges from $536,394 (Mira Mesa/San Diego) to $728,267 (Castro Valley); of Colorado’s zip codes in the top 10, the median home price ranges from $273,222 (Colorado Springs) to $533,873 (Littleton); and of Michigan’s zip codes in the top 10, the median home price ranges from $118,833 (Kentwood) to $223,780 (Livonia).

Generally, homes in the top 10 are more affordable than counterparts in their county or metropolitan area, and the markets themselves have higher incomes, low unemployment and more millennials.

“While low inventory is a challenge, millennials are the largest generation in U.S. history and they are flexing their muscle when it comes to the housing market,” says Danielle Hale, chief economist for realtor.com. “Increasingly, the hottest housing markets are the ones that appeal to millennial preferences, and right now the standouts are relatively affordable suburbs with local ‘it’ factors such as hiking trails, great restaurants and nightlife.

“With the largest cohort of millennials turning 30 in 2020, we can expect these types of areas to stay in demand in the years to come,” Hale says.

Homes in the top 10 sell in an average 21 days, the ranking reveals, and listings located in the top 10 are viewed four times more on realtor.com than those in the rest of the U.S.

For more information, please visit www.realtor.com.

Suzanne De Vita is RISMedia’s online news editor. Email her your real estate news ideas at sdevita@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

The post ‘Hottest Zip Codes’: A Tale of Three States appeared first on RISMedia.

San Francisco: The Sweet Spot for Trick-or-Treaters

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

The annual Trick-or-Treat Index from Zillow puts San Francisco in the sweet spot: No. 1 for trick-or-treaters.

Zillow Trick-or-Treat Index 2017 (PRNewsfoto/Zillow)

Zillow Trick-or-Treat Index 2017 (PRNewsfoto/Zillow)

 

Analysts at Zillow began with the Zillow Home Value Index (ZHVI), concocting a formula that includes home values, how close homes are in proximity to each other, and the share of 10-year-olds (and younger) in a given market. Bubble, bubble…

“Searching for neighborhoods with the best candy is a Halloween tradition for many kids and their parents,” says Dr. Svenja Gudell, chief economist at Zillow. “Our annual list is a fun way for families to see how their neighborhood stacks up against others when it comes to trick-or-treating. These are places we think will have plenty of candy and lots of young kids running around from door to door.”

In the City by the Bay, the top three neighborhoods for trick-or-treaters are Presidio Heights, Sea Cliff and Golden Gate Heights; in No. 2 San Jose, the top three are West San Jose, Willow Glen and Cambrian Park.

Is your city out of the running this year? Fear not.

“If you don’t live in one of these cities, look for areas that are getting into the Halloween spirit with decorations and lots of costumed kids,” Gudell says.

See the 2016 Trick-or-Treat Index.

For more information, please visit www.zillow.com.

Suzanne De Vita is RISMedia’s online news editor. Email her your real estate news ideas at sdevita@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

The post San Francisco: The Sweet Spot for Trick-or-Treaters appeared first on RISMedia.

Home Haunted? No Problem, New Survey Shows

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Would you ever live in a haunted home? A new survey from realtor.com® shows most folks won’t shy away from a spooky space—so long as the price is right.

In September, realtor.com surveyed more than 1,000 online respondents. The verdict? Thirty-three percent were open to living in a haunted house, 25 percent might be, and 42 percent are not open to the idea.

So what factors impacted these results? Let’s explore:

  • Forty percent of respondents indicated that they need a price reduction in order to choose a haunted home over a non-haunted home;
  • 35 percent require a better neighborhood;
  • 32 percent need larger square footage; and
  • 29 percent would do so if more bedrooms are involved.

Who minds a few spooky spirits if there’s a third bedroom, amiright? From the survey, 47 percent of participants indicate they would live in a home where someone died, 27 percent said they might, and 26 percent said they would not.

The survey also showed certain paranormal activities are preferred over others. Forty-eight percent of those surveyed didn’t mind a few cold or hot spots in their home, whereas 45 percent could get down with unexplainable noises, and 39 percent are willing to tolerate strange, freaky feelings in certain rooms. Thirty-five percent of folks could deal with shifting shadows, but only 20 percent were alright with levitating objects or the sensation of being touched.

Of those surveyed, 28 percent believed they already have lived in a haunted house, with 14 percent unsure and 58 percent quite sure they’ve never been haunted.

What do you think? Would you be willing to room with a ghoul for more square footage, a lower price tag or a finished basement?

View more from the survey.

For more information, please visit www.realtor.com.

Zoe Eisenberg is RISMedia’s senior content editor. Email her your real estate news ideas at zoe@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

The post Home Haunted? No Problem, New Survey Shows appeared first on RISMedia.

Crowdfunding Your Way Into a Home

Editor’s Note: This was originally published on RISMedia’s blog, Housecall. See what else is cookin’ now at blog.rismedia.com:

Crowdfunding has appeared in the real estate industry in a variety of forms: house flip investing, mortgage payoff and down payment support. High fees and legality issues have made it difficult for the popular funding method to be taken seriously within U.S. real estate markets.

A new crowdfunding platform—HomeFundMe—was recently launched by CMG Financial, a privately-held mortgage banking firm. This could be a game changer, since it’s the first crowdfunding service approved by Fannie Mae and Freddie Mac.

Here’s what CMG financial says about HomeFundMe:

  • No fees for using the service (Anything deposited into HomeFundMe can be used towards the buyer’s down payment.)
  • Better loan terms, more buying opportunities and the possibility of getting rid of or lowering mortgage insurance
  • Potential to receive a grant ranging from $1,000 to $2,500 in exchange for completing required homebuyer education or housing counseling.
  • Matching donations ($2 for every $1) up to the grant limits once the counseling is completed

While over 100 people have already used the platform, Fannie Mae and Freddie Mac have only approved the service on a trial basis until June 2018. The mortgage giants are keeping a close eye on results before giving it their stamp of approval.

There are a few caveats, of course. Borrowers must first be pre-approved for a mortgage by CMG Financial in order to use the crowdfunding service, which is limited to $7,500 in gifted funds. The loan must also be a Fannie Mae- or Freddie Mac-approved loan (their 30-, 20- and 15-year fixed loans are eligible, as well). In addition, borrowers must earn less than their area’s median income in order to qualify for matching contributions/grants.

This method will force borrowers into CMG Financial’s rates and fees. Millennial and Gen Z buyers, who are most likely to use such a service because of challenges in obtaining a down payment, will not be able to shop around for the lowest rate—a huge snag that may turn off borrowers from the crowdfunding service.

While other services charge fees and may complicate loan processing, borrowers will have to compare costs, as they may be able to save by using an alternative lender.

Here are some other crowdfunding options:

  • HomeFunded: 5 percent usage fee on total funds and 2.9 percent for processing each transaction
  • GoFundMe: 5 percent usage fee per donation and 2.9 percent plus $0.30 for processing each transaction
  • FeathertheNest: 5 percent usage fee per donation and 2.9 percent plus $0.30 for processing each transaction
  • Honeyfund: No usage fee and 2.8 percent plus $0.30 for processing each transaction

Keep in mind that these services may come with additional gifting restrictions in the lending world. Most Fannie, Freddie and FHA loans only allow gifted down payment funds from family and close friends. Loan processing may also be more time consuming if using these services, and you stand the chance of being rejected by lenders.

Crowdfunding may be a quicker way of amassing down payment reserves, but it can be a complicated process—extending your mortgage commitment dates or even threatening your loan approval. It may, however, be a useful option for borrowers who are dealing with high student loan or other debt payments and can’t afford to save.

If given final approval, HomeFundMe may open the door to a widespread financial backing of crowdfunding services in the real estate industry.

Liz Dominguez is RISMedia’s associate content editor. Email her your real estate news ideas at ldominguez@rismedia.com.

For the latest real estate news and trends, bookmark RISMedia.com.

The post Crowdfunding Your Way Into a Home appeared first on RISMedia.

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CENTURY 21 Covered Bridges Realty, Inc.   |   570-784-2821   |   570-925-0210

©2017 CENTURY 21 Covered Bridges Realty, Inc. CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by CENTURY 21 Real Estate LLC.  Equal Housing Opportunity.  Each office is independently owned and operated.