1028 E Cardinal Dr, Lock Haven, PA 17745 Property Records

Clinton County property record for 1028 E Cardinal Dr, Lock Haven, PA 17745

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,735 sqft · built 1972
Lot Size	1.3 acres (56,628 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Oct 2013)
Tax Bill	$4,881 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`29-14967`

Property Details

APN / Parcel Number

Primary APN	`29-14967`
Alternative APN	`7A-A-0001`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,735 sqft Living Area
Gross Area	4,992 sqft
1st Floor Area	1,386 sqft
Basement Area	1,073 sqft
Unfinished Basement	1,073 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Modern
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	56,628 sqft (1.3 acres)
Garage Type	Mixed
Garage Area	506 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	7A-A -0001
Street Address	1028 E CARDINAL DR
City	LOCK HAVEN
State	PA
Zip	17745-8800
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1 CARDINAL DRIVE SAGAMORE
Legal Subdivision	SAGAMORE HILLS
Jurisdiction	CLINTON PA
Township / Civil Division	PINE CREEK
Census Block Group	2
Census Block	2048
Census Tract	30400

Owner

Source: Clinton County records, as of April 20, 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	1028 E CARDINAL DR, LOCK HAVEN, PA 17745-8800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit HORIZON FEDERAL CREDIT UNION
Nov 5, 2020	Deed of Trust, Mortgage · Line of Credit HORIZON FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2013 · Amount on Record
Deed Sale	Oct 31, 2013 · Amount on Record
Prior Sale	Jun 15, 2007 · Amount on Record
Deed Document Number	20135204
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Recording Date	Jul 24, 2026
Property Address	1028 E CARDINAL DR, LOCK HAVEN, PA 17745-8800
Document Number	0000002806
Instrument Date	Jul 2, 2026
Instrument	20262806
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	FIRST AMERICAN TITLE INSURAN C, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 E CARDINAL DR, LOCK HAVEN, PA 17745-8800

Mortgage

Document Number	0000002806,
Date	Jul 24, 2026
Instrument	20262806

Lender

Name	HORIZON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 2, 2051

Interest

Rate	6.48%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Property Address	1028 E CARDINAL DR, LOCK HAVEN, PA 17745-8800
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020004516
Date	Nov 5, 2020
Instrument	2020-004516

Lender

Name	HORIZON FCU
Type	Credit Union
Address	WILLIAMSPORT, PA 17701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	146 Months
Due	Jan 30, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clinton County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Clinton County
County Subdivision	Pine Creek Township
Unified School District	Keystone Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,881.00 (+8.71%)	$214,600 (-) Land $42,600 Building $172,000
2023	$4,490.00	$214,600 Land $42,600 Building $172,000
2008			$214,600 Land $42,600 Building $172,000

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 April 14, 2026 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Tropical Depression Ivan, Sep 2004 · 3 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	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	PAWC APPALACHIAN DIST private · serves 3,000 people · EPA ID PA4180067
Water Source	Groundwater
Last State Inspection	Jul 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: River Valley Internet, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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