115 E 3rd St, Waterford, PA 16441 Property Records

Erie County property record for 115 E 3rd St, Waterford, PA 16441

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,850 sqft · built 1850
Lot Size	0.294 acres (12,789 sqft)
Owner	Company Name on File
Last Sale	$125,000 (Oct 2020)
Tax Bill	$2,618 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`46-009-044.0-002.00`

Property Details

APN / Parcel Number

Primary APN	`46-009-044.0-002.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,850 sqft Living Area
1st Floor Area	378 sqft
Attic	Attic
Attic Area	378 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Construction Type	Frame
Lot Area	12,789 sqft (0.294 acres)
Lot Dimensions	155 ft deep x 82 ft wide
Porch	Slab
Porch Area	232 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	115 E 3RD ST
City	WATERFORD
State	PA
Zip	16441-9765
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	T
Legal Description	115 E 3 ST 82.5 X 155
Jurisdiction	ERIE PA
Township / Civil Division	WATERFORD
Census Block Group	3
Census Block	3053
Census Tract	12100

Owner

115 E 3rd St is owned by a company that bought it in October 2020.

Source: Erie County records, as of July 2, 2026

Owner of Record	Company Name on File
Mailing Address	4224 WHEELERTOWN RD, WATERFORD, PA 16441-4562
Owner Type	Company
Vesting	Company

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
Apr 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE ANDOVER BANK
Oct 2, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2020 · Amount on File
Deed Sale	Oct 2, 2020 · Amount on File
Prior Sale	Oct 29, 2010 · Amount on File
Deed Document Number	202020477
Prior Transfer Date	Dec 3, 2001
Prior Transfer Doc	0000045931
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE PA
Property Address	115 E 3RD ST, WATERFORD, PA 16441-9765
Transaction Type	Mortgage
Record Updated	May 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006339
Date	Apr 26, 2023
Instrument	2023-006339

Lender

Name	THE ANDOVER BANK
Type	Bank
Address	EDINBORO, PA 16412

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2038

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ERIE PA
Recording Date	Oct 2, 2020
Property Address	115 E 3RD ST, WATERFORD, PA 16441-9765
Document Number	0000020477
Instrument Date	Sep 30, 2020
Instrument	20477
Transaction Type	Transfer
Record Updated	Oct 26, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,250.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4224 WHEELERTOWN RD WATERFORD PA 164414562, WATERFORD, PA 16441-4562

Tax Assessment & Valuation

The 2026 property tax bill for 115 E 3rd St was $2,618, up 4.3% from the year before.

Source: Erie County assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Erie County
Municipality	Waterford Borough
Unified School District	Fort LeBoeuf School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,618.00 (+4.3%)	$102,300 Land $29,800 Building $72,500
2025	$2,510.00
2024		$102,300 Land $29,800 Building $72,500
2023	$2,260.00
2013			$102,300 Land $29,800 Building $72,500

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

Flood

FEMA maps place 115 E 3rd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 6, 2017 · 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 Policies	2 in force

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 115 E 3rd 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERFORD MUNICIPAL AUTHORITY serves 1,700 people · EPA ID PA6250065
Water Source	Groundwater
Last State Inspection	Jul 2025

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2022
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Jan 2026 Coliform assessment Oct 2018
Monitoring and Reporting	11 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 301 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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