10 Gray St, Covington, PA 16917 Property Records

Tioga County property record for 10 Gray St, Covington, PA 16917

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,872 sqft · built 1901
Lot Size	0.439 acres (19,110 sqft)
Owner	Individual Name on Record
Last Sale	$171,500 (Jan 2022)
Tax Bill	$2,078 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jan 2017 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`28/01B00/023./000`

Property Details

APN / Parcel Number

Primary APN	`28/01B00/023./000`
Alternative APN	`00013409`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Basement Area	728 sqft
Unfinished Basement	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Aluminum/Vinyl
Lot Area	19,110 sqft (0.439 acres)
Garage Type	Detached
Garage Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00013409
Street Address	10 GRAY ST
City	COVINGTON
State	PA
Zip	16917-9494
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	TIOGA PA
Township / Civil Division	PUTNAM
Census Block Group	1
Census Block	1050
Census Tract	950500

Owner

Source: Tioga County records, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	10 GRAY ST, COVINGTON, PA 16917-9494
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 7, 2022	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 9, 2017	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Feb 15, 2019	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2022 · Amount on Record
Deed Sale	Jan 7, 2022 · Amount on Record
Prior Sale	Sep 14, 2015 · Amount on Record
Deed Document Number	2022208
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	Jan 7, 2022
Property Address	10 GRAY ST, COVINGTON, PA 16917-9494
Document Number	0202200208
Instrument Date	Dec 30, 2021
Instrument	202200208
Transaction Type	Transfer
Record Updated	Jan 24, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 GRAY ST, 10, COVINGTON, PA 16917-9494

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1955 GHENT HILL RD, ULSTER, PA 18850-8215

Mortgage

Document Number	0202200209
Date	Jan 7, 2022
Instrument	202200209

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Property Address	10 GRAY ST, COVINGTON, PA 16917-9494
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700308
Date	Jan 9, 2017
Instrument	201700308

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Property Address	10 GRAY ST, COVINGTON, PA 16917-9494
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201901106
Date	Feb 15, 2019
Instrument	201901106

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

Source: Tioga County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Tioga County
County Subdivision	Putnam Township
Unified School District	Southern Tioga School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,078.00 (-36.47%)	$145,860 (-) Land $16,050 Building $129,810
2024	$3,271.00	$145,860 Land $16,050 Building $129,810
2023			$145,860 Land $16,050 Building $129,810

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (2010–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Severe Storms And Flooding, Aug 2018 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Cable	2,000 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gray St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures