1040 E Main St, Bradford, PA 16701 Property Records

McKean County property record for 1040 E Main St, Bradford, PA 16701

Property Summary

Property Type	Single Family Home
Details	3,964 sqft · built 1935
Lot Size	1.46 acres (63,598 sqft)
Owner	2 Individual Names on File
Last Sale	$446,000 (Jun 2025)
Tax Bill	$7,072 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21-018.-209.01`

Property Details

APN / Parcel Number

Primary APN	`21-018.-209.01`
Alternative APN	`014598`

Interior

Building Area	3,964 sqft Total Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Lot Area	63,598 sqft (1.46 acres)

Location & Zoning

Street Address	1040 E MAIN ST
City	BRADFORD
State	PA
Zip	16701-3214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD CONTROL:1003-0270
Jurisdiction	MCKEAN PA
Township / Civil Division	FOSTER
Census Block Group	1
Census Block	1007
Census Tract	420500

Owner

1040 E Main St is owned and occupied by two individuals who bought it in June 2025.

Source: McKean County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1040 E MAIN ST, BRADFORD, PA 16701-3214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 15, 2026	Deed of Trust, Mortgage · VA Mortgage C F MORTGAGE CORPORATION
Jun 10, 2025	Deed, Transfer · VA Mortgage C&F MORTGAGE CORP
Mar 4, 2022	Deed, Transfer · FHA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2025 · Amount on File
Deed Sale	Jun 10, 2025 · Amount on File
Prior Sale	Mar 4, 2022 · Amount on File
Deed Document Number	20251741
Deed Book / Page	1085 / 186
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Recording Date	Sep 15, 2026
Property Address	1040 E MAIN ST, BRADFORD, PA 16701-3214
Document Number	0000003016
Book / Page	1119 / 479
Instrument Date	Mar 26, 2026
Instrument	20263016
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 E MAIN ST, BRADFORD, PA 16701-3214

Mortgage

Document Number	0000003016,
Date	Sep 15, 2026
Book Page	1119/479
Instrument	20263016

Lender

Name	C F MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Max Rate	-1%

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Jun 10, 2025
Property Address	1040 E MAIN ST, BRADFORD, PA 16701-3214
Document Number	001085/186
Book / Page	1085 / 186
Instrument Date	Jun 9, 2025
Instrument	202501741
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,460.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 E MAIN ST, BRADFORD, PA 16701-3214

Mortgage

Document Number	0202501742
Date	Jun 10, 2025
Instrument	202501742

Lender

Name	C&F MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Mar 4, 2022
Property Address	1040 E MAIN ST, BRADFORD, PA 16701-3214
Document Number	001003/270
Book / Page	1003 / 270
Instrument Date	Feb 28, 2022
Instrument	202200823
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1040 E MAIN ST, BRADFORD, PA 16701-3214
Investor	Possibly a Property Investor

Mortgage

Document Number	0202200824
Date	Mar 4, 2022
Instrument	202200824

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 1040 E Main St was $7,072.

Source: McKean County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	McKean County
County Subdivision	Foster Township
Unified School District	Bradford Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,072.00	$174,110 (-) Land $12,900 Building $161,210
2025	$7,072.00 (+3.18%)	$174,110 (-) Land $12,900 Building $161,210
2024	$6,854.00	$174,110 Land $12,900 Building $161,210
1998			$174,110 Land $12,900 Building $161,210

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 1040 E Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective December 22, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	9 (1984–2020)
Claims Outside the SFHA	3 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 3 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 1040 E Main St is low, with a 0.01% 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	0.01% 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	BRADFORD CITY WATER AUTHORITY serves 18,500 people · EPA ID PA6420014
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Apr 2025
Monitoring and Reporting	7 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 39 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
Breezeline Cable	1,000 / 50

May also be available: SkyPacket.

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