Montgomery County property record for 103 Cliff Ter, Wyncote, PA 19095
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 2.5 ba · 1,910 sqft · built 1904 |
| Lot Size | 0.103 acres (4,480 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $259,000 (Aug 2019) |
| Tax Bill | $9,399 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00-07012-00-4 |
| Primary APN | 31-00-07012-00-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,910 sqft Living Area |
| 1st Floor Area | 856 sqft |
| Basement Area | 240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Lot Area | 4,480 sqft (0.103 acres) |
| Lot Dimensions | 106 ft deep x 42 ft wide |
| Garage Area | 360 sqft |
| Porch | Open Frame Porch |
| Porch Area | 30 sqft |
| Patio Area | 150 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 103 CLIFF TER |
|---|---|
| City | WYNCOTE |
| State | PA |
| Zip | 19095-1504 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R7 |
| Legal Description | ASSESSOR BLOCK-UNIT NUMBER 166-33 |
| Legal Subdivision | WILLIAM E WEBER |
| Legal Block | 166 |
| Legal Lot Number | 33 |
| Jurisdiction | MONTGOMERY PA |
| Township / Civil Division | CHELTENHAM |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 202602 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Wyncote Historic District listed 1986 · 178 contributing resources · NRIS 86002884 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Montgomery County records, as of June 1, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 103 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · Line of Credit AMERICAN HERITAGE CU |
| Aug 19, 2019 | Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE |
| Aug 22, 2019 | Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2019 · Amount on Record |
| Deed Sale | Aug 22, 2019 · Amount on Record |
| Prior Sale | Jul 19, 2011 · Amount on Record |
| Deed Document Number | 201957551 |
| Deed Book / Page | 6150 / 637 |
| Prior Transfer Date | Jun 28, 2011 |
| Prior Transfer Doc | 0058071566 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Property Address | 103 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0156730674 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 15673/674 |
| Instrument | 2022095189 |
| Name | AMERICAN HERITAGE CU |
|---|---|
| Type | Credit Union |
| Address | PHILADELPHIA, PA 19115 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 156 Months |
| Due | Oct 4, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Property Address | 103 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Document Number | 0147410149 |
| Instrument Date | Aug 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2019 |
| Title Company | TRIDENT LAND TRANSFER COMPANY LP, TRIDENT LAND TRANSFER CO LP |
| Name | Verified Name |
|---|---|
| Address | 103 CLIFF TER WYNCOTE PA 190951504, WYNCOTE, PA 19095-1504 |
| Document Number | 0147410149 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 014741/000149 |
| Instrument | 57552 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Recording Date | Aug 22, 2019 |
| Property Address | 103 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Document Number | 0061500637 |
| Book / Page | 006150 / 000637 |
| Instrument Date | Aug 19, 2019 |
| Instrument | 57551 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2019 |
| Title Company | TRIDENT LAND TRANSFER COMPANY LP, TRIDENT LAND TRANSFER CO LP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 103 CLIFF TER WYNCOTE PA 190951504, WYNCOTE, PA 19095-1504 |
| Document Number | 147410149 |
|---|---|
| Date | Aug 22, 2019 |
| Book Page | 014741/000149 |
| Instrument | 57552 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2049 |
Source: Montgomery County assessment roll, as of June 1, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Montgomery County |
| County Subdivision | Cheltenham Township |
| Unified School District | Cheltenham School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,399.00 | $133,000 (-) | $133,000 (-) |
| 2025 | $9,399.00 (+5.81%) | $133,000 (-) Land $67,560 Building $65,440 | $133,000 (-) Land $67,560 Building $65,440 |
| 2024 | $8,883.00 | $133,000 (-) Land $67,560 Building $65,440 | |
| 2023 | $8,883.00 (+1.13%) | $133,000 Land $67,560 Building $65,440 | |
| 2022 | $8,784.00 | ||
| 1998 | $133,000 (-) Land $67,560 Building $65,440 | ||
| 1996 | $133,000 Land $67,560 Building $65,440 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 6, 2025 · 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 | 3 in force |
| Nearby Flood Claims | 12 (2001–2021) |
| Claims Outside the SFHA | 10 of 12 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.3% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA PA MAIN SYSTEM private · serves 822,600 people · EPA ID PA1460073 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Nov 2024 E. coli resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 27 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.
Source: FCC Broadband Data Collection, based on 339 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 2,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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