Montgomery County property record for 109 Cliff Ter, Wyncote, PA 19095
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,207 sqft · built 1908 |
| Lot Size | 0.115 acres (4,992 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Aug 2003) |
| Tax Bill | $10,021 (2026) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-00-07021-00-4 |
| Primary APN | 31-00-07021-00-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,207 sqft Living Area |
| 1st Floor Area | 751 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Architectural Style | Duplex Single |
| Construction Type | Frame |
| Lot Area | 4,992 sqft (0.115 acres) |
| Lot Dimensions | 118 ft deep x 42 ft wide |
| Porch | Open Frame Porch |
| Porch Area | 99 sqft |
| Patio Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 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 166-30 |
| Legal Subdivision | PROPERTY/WILLIAM E WEBER |
| Legal Block | 166 |
| Legal Lot Number | 30 |
| 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.
109 Cliff Ter, a duplex, is owned and occupied by two individuals who acquired it in September 2015.
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 File |
|---|---|
| Mailing Address | 109 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 22, 2017 | Deed of Trust, Mortgage · FHA Mortgage GOLDWATER BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 22, 2003 · Amount on File |
| Deed Sale | Aug 22, 2003 · Amount on File |
| Prior Sale | Jan 4, 2001 · Amount on File |
| Deed Book / Page | 5470 / 632 |
| Last Transfer Date | Sep 21, 2015 |
| Transfer Doc | 0059761624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Property Address | 109 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Name | Verified Name |
|---|
| Document Number | 01547001398 |
|---|---|
| Date | Jan 5, 2022 |
| Book Page | 15470/01398 |
| Instrument | 2022001091 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 1, 2046 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Property Address | 109 CLIFF TER, WYNCOTE, PA 19095-1504 |
| Document Number | 0144620902 |
| Book / Page | 014462 / 000902 |
| Instrument Date | Dec 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 CLIFF TER WYNCOTE PA 190951504, WYNCOTE, PA 19095-1504 |
| Document Number | 0144620902 |
|---|---|
| Date | Dec 28, 2017 |
| Book Page | 014462/000902 |
| Instrument | 97696 |
| Name | GOLDWATER BK NA |
|---|---|
| Type | Bank |
| Address | PHOENIX, AZ 85016 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 27, 2042 |
The 2026 property tax bill for 109 Cliff Ter was $10,021.
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 | $10,021.00 | $141,790 (-) | $141,790 (-) |
| 2025 | $10,021.00 (+5.82%) | $141,790 (-) Land $70,440 Building $71,350 | $141,790 Land $70,440 Building $71,350 |
| 2024 | $9,470.00 | $141,790 (-) Land $70,440 Building $71,350 | |
| 2023 | $9,470.00 (+1.14%) | $141,790 Land $70,440 Building $71,350 | |
| 2022 | $9,363.00 | ||
| 1998 | $141,790 Land $70,440 Building $71,350 | ||
| 1996 | $141,790 Land $70,440 Building $71,350 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Cliff Ter 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 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 500 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.
Wildfire risk around 109 Cliff Ter is low, with less than 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 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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