Clinton County property record for 1040 E Water St, Lock Haven, PA 17745
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,756 sqft · built 1941 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,727 (2026) |
| Deeds & Mortgages | Oct 2018 Line of Credit |
| Flood Zone | Zone X (reduced by levee) |
| APN | 6-2966 |
| Primary APN | 6-2966 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,756 sqft Living Area |
| Gross Area | 2,760 sqft |
| 1st Floor Area | 732 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cape Cod |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,235 sqft (0.212 acres) |
| Garage Area | 200 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Account Number | G -01-0005 |
|---|---|
| Street Address | 1040 E WATER ST |
| City | LOCK HAVEN |
| State | PA |
| Zip | 17745-7800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Jurisdiction | CLINTON PA |
| Township / Civil Division | CASTANEA |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 30500 |
1040 E Water St is owned and occupied by an individual who acquired it in March 2014.
Source: Clinton County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1040 E WATER ST, LOCK HAVEN, PA 17745-7800 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 5, 2014 |
| Transfer Doc | 0201400692 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON PA |
| Property Address | 1040 E WATER ST, LOCK HAVEN, PA 17745-7800 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2018003732 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 2018-003732 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | 38419 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 1040 E Water St was $1,727 with a homeowner's exemption.
Source: Clinton County assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Clinton County |
| County Subdivision | Castanea Township |
| Unified School District | Keystone Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,727.00 Homeowner's exemption | $77,500 Land $14,800 Building $62,700 | |
| 2023 | $1,586.00 | $77,500 Land $14,800 Building $62,700 | |
| 2008 | $77,500 Land $14,800 Building $62,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1040 E Water St in Zone X, where a levee reduces flood risk, within 500 ft of a high-risk flood zone.
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 reduced by levee · depends on levee performance |
|---|---|
| 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 | 29 (1979–2010) |
| Claims Outside the SFHA | 3 of 29 |
| Most Recent Claim | Dec 2010 · river or lake flooding |
| 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.
Wildfire risk around 1040 E Water 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUBURBAN LOCK HAVEN WATER AUTH serves 9,700 people · EPA ID PA4180049 |
|---|---|
| Water Source | Purchased surface water from CENT CLINTON CO WATER FIL AUTH |
| Last State Inspection | May 2026 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2021 |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2021 |
| Monitoring and Reporting | 2 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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| River Valley Internet Fixed Wireless | 100 / 50 |
May also be available: Verizon.
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