102 Watrous St, Gaines, PA 16921 Property Records

Tioga County property record for 102 Watrous St, Gaines, PA 16921

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,434 sqft · built 1901
Lot Size	0.275 acres (12,000 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Nov 2023)
Tax Bill	$1,809 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`15/10B00/039./000`

Property Details

APN / Parcel Number

Primary APN	`15/10B00/039./000`
Alternative APN	`00007384`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,434 sqft Living Area
Basement Area	304 sqft
Unfinished Basement	304 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	12,000 sqft (0.275 acres)
Garage Type	Detached
Garage Area	480 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	00007384
Street Address	102 WATROUS ST
City	GAINES
State	PA
Zip	16921-9538
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	TIOGA PA
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2031
Census Tract	950900

Owner

102 Watrous St is owned and occupied by two individuals who bought it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	102 WATROUS ST, GAINES, PA 16921-9538
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2023	Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 26, 2021	Deed, Transfer ACCOMODATION, ACCOMMODATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2023 · Amount on File
Deed Sale	Nov 14, 2023 · Amount on File
Prior Sale	Jul 26, 2021 · Amount on File
Deed Document Number	20239446
Record Updated	Jun 8, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	Nov 14, 2023
Property Address	102 WATROUS ST, GAINES, PA 16921-9538
Document Number	0202309446
Instrument Date	Nov 10, 2023
Instrument	202309446
Transaction Type	Transfer
Record Updated	Dec 15, 2023
Title Company	CORNERSTONE ABSTRACT AND SETTLEMENT, CORNERSTONE ABSTRACT & STLMT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	464 BEAR CROSSING LN, TIOGA, PA 16946-8644

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 WATROUS ST, GAINES, PA 16921-9538

Mortgage

Document Number	0202309447
Date	Nov 14, 2023
Instrument	202309447

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	Jul 26, 2021
Property Address	102 WATROUS ST, GAINES, PA 16921-9538
Document Number	202106284
Instrument Date	Jul 23, 2021
Instrument	202106284
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	102 WATROUS ST, 102, GAINES, PA 16921-9538

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	464 BEAR CROSSING LN, TIOGA, PA 16946-8644

Tax Assessment & Valuation

The 2026 property tax bill for 102 Watrous St was $1,809.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Tioga County
County Subdivision	Gaines Township
Unified School District	Galeton Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,809.00	$125,760 Land $12,240 Building $113,520
2024	$2,665.00 (+166.5%)	$119,890 (+208.84%) Land $12,240 Building $107,650
2023	$1,000.00	$38,820 Land $5,040 Building $33,780	$125,760 Land $12,240 Building $113,520
2001			$38,820 Land $5,040 Building $33,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 102 Watrous St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	17 (1984–2024)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 2 claims Tropical Depression Ivan, Sep 2004 · 2 claims Severe Storms And Flooding, Jan 1996 · 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

Wildfire risk around 102 Watrous St is low, with a 0.02% annual chance of 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	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATROUS WATER ASSOCIATION private · serves 75 people · EPA ID PA2590029
Water Source	Purchased surface water from GALETON BOROUGH AUTHORITY
Last State Inspection	Feb 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	22 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 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

May also be available: Tri-Co Connections.

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