Beaver County property record for 1044 Charles St, Monaca, PA 15061
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,326 sqft · built 1964 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $259,000 (Oct 2025) |
| Tax Bill | $1,003 (2025) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 37-003-1403.001 |
| Primary APN | 37-003-1403.001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,326 sqft Living Area |
| 1st Floor Area | 1,326 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Block |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Width | 10 ft Width |
| Porch | Porch |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 558 sqft |
| Patio Area | 558 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 37-003-1403.001 |
|---|---|
| Street Address | 1044 CHARLES ST |
| City | MONACA |
| State | PA |
| Zip | 15061-1616 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PTLOT HS |
| Legal Subdivision | CHARLES STREET |
| Jurisdiction | BEAVER PA |
| Township / Civil Division | MONACA |
| Census Block Group | 2 |
| Census Block | 2082 |
| Census Tract | 603300 |
1044 Charles St is owned and occupied by an individual who bought it in October 2025.
Source: Beaver County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1044 CHARLES ST, MONACA, PA 15061-1616 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 30, 2025 | Deed, Transfer · Conventional Mortgage FARMERS BUILDING & SAVINGS BANK |
| Apr 19, 2021 | Deed, Transfer · Conventional Mortgage FARMERS BUILDING & SAVINGS BANK |
| Feb 19, 2020 | Deed of Trust, Mortgage · Conventional with PMI DOLLAR BK FEDL SVGS BK |
| Apr 14, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/PA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2025 · Amount on File |
| Deed Sale | Oct 30, 2025 · Amount on File |
| Prior Sale | Apr 19, 2021 · Amount on File |
| Deed Document Number | 20253721765 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAVER PA |
| Recording Date | Oct 30, 2025 |
| Property Address | 1044 CHARLES ST, MONACA, PA 15061-1616 |
| Document Number | 0003721765 |
| Instrument Date | Oct 9, 2025 |
| Instrument | 3721765 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | HERITAGE SECURITY AND SERVICES COMPANY, HERITAGE SECURITY & SVC CO I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1024 CHARLES ST, MONACA, PA 15061-1616 |
| Document Number | 0003721766 |
|---|---|
| Date | Oct 30, 2025 |
| Instrument | 3721766 |
| Name | FARMERS BUILDING & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 10, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BEAVER PA |
| Recording Date | Apr 19, 2021 |
| Property Address | 1044 CHARLES ST, MONACA, PA 15061-1616 |
| Document Number | 0003633909 |
| Instrument Date | Apr 16, 2021 |
| Instrument | 3633909 |
| Transaction Type | Transfer |
| Record Updated | Jul 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1044 CHARLES ST, MONACA, PA 15061-1616 |
| Document Number | 0003633910 |
|---|---|
| Date | Apr 19, 2021 |
| Instrument | 3633910 |
| Name | FARMERS BUILDING & SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 16, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAVER PA |
| Property Address | 1044 CHARLES ST, MONACA, PA 15061-1616 |
| Document Number | 0003607737 |
| Instrument Date | Feb 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2020 |
| Title Company | INTEGRITY PLUS SETTLEMENT INC |
| Name | Verified Name |
|---|---|
| Address | 1044 CHARLES ST MONACA PA 150611616, MONACA, PA 15061-1616 |
| Document Number | 0003607737 |
|---|---|
| Date | Feb 27, 2020 |
| Instrument | 3607737 |
| Name | DOLLAR BK FEDL SVGS BK |
|---|---|
| Address | CANTON, OH 44711-8469 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 26, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEAVER PA |
| Property Address | 1044 CHARLES ST, MONACA, PA 15061-1616 |
| Document Number | 0003549532 |
| Instrument Date | Apr 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2017 |
| Title Company | CORPORATE SETTLEMENT SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 1044 CHARLES ST MONACA PA 150611616, MONACA, PA 15061-1616 |
| Document Number | 0003549532 |
|---|---|
| Date | Apr 26, 2017 |
| Instrument | 3549532 |
| Name | FIRST NAT'L BK/PA |
|---|---|
| Type | Bank |
| Address | MOON TOWNSHIP, PA 15108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 25, 2027 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1044 Charles St was $1,003.
Source: Beaver County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Beaver County |
| Municipality | Monaca Borough |
| Unified School District | Central Valley School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $96,300 (-) Land $16,100 Building $80,200 | $192,600 Land $32,200 Building $160,400 | |
| 2025 | $1,003.00 | $96,300 Land $16,100 Building $80,200 | |
| 2024 | $192,600 Land $32,200 Building $160,400 | ||
| 2023 | $3,311.00 | $27,050 Land $3,200 Building $23,850 | |
| 1982 | $54,100 Land $6,400 Building $47,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1044 Charles St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective July 15, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 12 (1996) |
| Claims Outside the SFHA | 12 of 12 |
| Most Recent Claim | Jun 1996 · Flooding, Severe Storms |
| 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 1044 Charles 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 | 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 | MONACA BORO WATER DEPT serves 6,500 people · EPA ID PA5040039 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Oct 2021 |
|---|---|
| Treatment and Procedure | Coliform assessment Aug 2023 |
| 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 462 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| GoNetspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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