Clinton County property record for 1132 E Water St, Lock Haven, PA 17745
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,224 sqft · built 1927 |
| Lot Size | 0.182 acres (7,928 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $145,000 (Feb 2022) |
| Tax Bill | $1,582 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2026 Mortgage + 3 more |
| Flood Zone | Zone AH (high risk) |
| APN | 6-2952 |
| Primary APN | 6-2952 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,224 sqft Living Area |
| Gross Area | 3,556 sqft |
| 1st Floor Area | 1,112 sqft |
| Basement Area | 1,112 sqft |
| Unfinished Basement | 1,112 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,928 sqft (0.182 acres) |
| Lot Dimensions | 147 ft deep x 54 ft wide |
| Garage Area | 432 sqft |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Account Number | G -B -0007 |
|---|---|
| Street Address | 1132 E WATER ST |
| City | LOCK HAVEN |
| State | PA |
| Zip | 17745-8899 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C |
| Legal Description | 7 & E/POR OF 6 |
| Jurisdiction | CLINTON PA |
| Township / Civil Division | CASTANEA |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 30500 |
1132 E Water St is owned and occupied by two individuals who bought it in February 2022.
Source: Clinton County records, as of April 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Aug 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage COUNTY OF ERIE |
| Aug 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CITY OF WINTER HAVEN |
| Feb 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK |
| Feb 24, 2020 | Deed, Transfer · FHA Mortgage FULTON BANK NA |
| Apr 5, 2019 | Deed, Transfer APPLE LEAF ABSTRACTING AND SETTLEMENT, APPLE LEAF ABSTRACTING & SET |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2022 · Amount on File |
| Deed Sale | Feb 16, 2022 · Amount on File |
| Prior Sale | Feb 24, 2020 · Amount on File |
| Deed Document Number | 2022684 |
| Prior Transfer Date | Apr 12, 2006 |
| Prior Transfer Doc | 0200602036 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Aug 21, 2026 |
| Property Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 0000003183 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 20263183 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 0000003183, |
|---|---|
| Date | Aug 21, 2026 |
| Instrument | 20263183 |
| Name | COUNTY OF ERIE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Aug 21, 2026 |
| Property Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 0000003182 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 20263182 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 0000003182, |
|---|---|
| Date | Aug 21, 2026 |
| Instrument | 20263182 |
| Name | CITY OF WINTER HAVEN |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 1, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Feb 16, 2022 |
| Property Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 0202200684 |
| Instrument Date | Feb 14, 2022 |
| Instrument | 2022-00684 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2022 |
| Title Company | ACCOMMODATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | PO BOX 786, WARREN, PA 16365-0786 |
| Document Number | 0202200685 |
|---|---|
| Date | Feb 16, 2022 |
| Instrument | 2022-00685 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Feb 24, 2020 |
| Property Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 2020000838 |
| Instrument Date | Jan 31, 2020 |
| Instrument | 2020-000838 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 2020000839 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020-000839 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Apr 5, 2019 |
| Property Address | 1132 E WATER ST, LOCK HAVEN, PA 17745-8899 |
| Document Number | 2019001105 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 2019-001105 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2023 |
| Title Company | APPLE LEAF ABSTRACTING AND SETTLEMENT, APPLE LEAF ABSTRACTING & SET |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7093 YORK RD, ABBOTTSTOWN, PA 17301-9747 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 1132 E Water St was $1,582 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 | $1,582.00 Homeowner's exemption | $71,000 Land $14,100 Building $56,900 | |
| 2023 | $1,453.00 | $71,000 Land $14,100 Building $56,900 | |
| 2008 | $71,000 Land $14,100 Building $56,900 |
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 1132 E Water St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AH high risk · shallow ponding 1–3 ft |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 553.6 ft |
| Flood Insurance Requirement | Required federally backed loans |
| 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 1132 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 | 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 | 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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| River Valley Internet Fixed Wireless | 100 / 50 |
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