1048 E Main St, Bradford, PA 16701 Property Records

McKean County property record for 1048 E Main St, Bradford, PA 16701

Property Summary

Property Type	Single Family Home
Details	2,362 sqft · built 1938
Lot Size	1.35 acres (58,806 sqft)
Owner	Trust Name on File
Tax Bill	$5,503 (2026)
Deeds & Mortgages	Oct 2010 Line of Credit May 2012 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21-018.-208.00`

Property Details

APN / Parcel Number

Primary APN	`21-018.-208.00`
Alternative APN	`014468`

Interior

Building Area	2,362 sqft Total Area

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Lot Area	58,806 sqft (1.35 acres)

Location & Zoning

Street Address	1048 E MAIN ST
City	BRADFORD
State	PA
Zip	16701-3214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD CONTROL:0218-1074
Jurisdiction	MCKEAN PA
Township / Civil Division	FOSTER
Census Block Group	1
Census Block	1007
Census Tract	420500

Owner

1048 E Main St is owner-occupied and held in a trust since January 2024.

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

Owner of Record	Trust Name on File
Mailing Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Oct 7, 2010	Deed of Trust, Mortgage · Line of Credit NORTHWEST SAVINGS BANK
May 7, 2012	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST SAVINGS BANK
Dec 12, 2005	Deed of Trust, Mortgage NORTHWEST SAVINGS BANK
Feb 26, 2009	Deed of Trust, Mortgage · Line of Credit NORTHWEST SAVINGS BANK
Oct 22, 2014	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST SAVINGS BANK
Jan 24, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 23, 2024
Transfer Doc	01052/1138
Record Updated	Sep 20, 2026

October 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00671/1020
Date	Oct 7, 2010
Book Page	671/1020
Instrument	201004689

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	BRADFORD, PA 16701

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00722/0622
Date	May 7, 2012
Book Page	722/0622
Instrument	201201969

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Apr 17, 2022

December 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00514/0168
Date	Dec 12, 2005
Book Page	514/0168
Instrument	200507253

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	BRADFORD, PA 16701

Agreement

Amount	Amount on Record

February 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00620/0056
Date	Feb 26, 2009
Book Page	620/0056
Instrument	200900800

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	BRADFORD, PA 16701

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00802/1134
Date	Oct 22, 2014
Book Page	802/1134
Instrument	201404355

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2034

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCKEAN PA
Recording Date	Jan 24, 2024
Property Address	1048 E MAIN ST, BRADFORD, PA 16701-3214
Document Number	01052/1138
Book / Page	1052 / 1138
Instrument Date	Jan 22, 2024
Instrument	202400224
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	1048 E MAIN ST, BRADFORD, PA 16701-3214

Tax Assessment & Valuation

The 2026 property tax bill for 1048 E Main St was $5,503.

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	$5,503.00	$135,490 (-) Land $15,070 Building $120,420
2025	$5,503.00 (+3.17%)	$135,490 (-) Land $15,070 Building $120,420
2024	$5,334.00	$135,490 Land $15,070 Building $120,420
1998			$135,490 Land $15,070 Building $120,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1048 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 1048 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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