Clinton County property record for 115 E Water St, Lock Haven, PA 17745
| Property Type | Residential Vacant Land |
|---|---|
| Details | 1 bd · 1 ba · 3,444 sqft · built 1890 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $60,000 (Jun 2020) |
| Tax Bill | $573 (2026) |
| Deeds & Mortgages | Mar 2007 Line of Credit Jan 2006 Line of Credit + 3 more |
| Flood Zone | Zone AH (high risk) |
| APN | A-02-0004-Y |
| Primary APN | A-02-0004-Y |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 3,444 sqft Gross Area |
| 1st Floor Area | 870 sqft |
| Attic | Attic |
| Attic Area | 714 sqft |
| Basement Area | 357 sqft |
| Unfinished Basement | 357 sqft |
| Family Room | Family Room |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Duplex Single |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 160 ft deep x 14 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Hot Water |
| Account Number | A -02-0004-Y |
|---|---|
| Street Address | 115 E WATER ST |
| City | LOCK HAVEN |
| State | PA |
| Zip | 17745-1318 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | E POR 2 S/FR DWLG 14 X 160 |
| Legal Subdivision | SECOND WARD |
| Jurisdiction | CLINTON PA |
| Township / Civil Division | LOCK HAVEN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 30600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Water Street District listed 1973 · 18 contributing resources · NRIS 73001618 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
115 E Water St, residential vacant land, is owned by an individual who bought it in June 2020.
Source: Clinton County records, as of August 14, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 E BALD EAGLE ST, LOCK HAVEN, PA 17745-2108 |
| 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 |
|---|---|
| Mar 22, 2007 | Deed of Trust, Mortgage · Line of Credit SOVEREIGN BANK |
| Jan 9, 2006 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jun 30, 2020 | Deed, Transfer |
| Apr 16, 2013 | Deed, Transfer CLINTON COUNTY ECONOMIC PARTNERSHIP |
| Feb 10, 2005 | Deed, Transfer JAMES MCCULLOCH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on File |
| Deed Sale | Jun 30, 2020 · Amount on File |
| Prior Sale | Apr 16, 2013 · Amount on File |
| Deed Document Number | 20202420 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON PA |
| Property Address | 115 E WATER ST, LOCK HAVEN, PA 17745-1318 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200701272 |
|---|---|
| Date | Mar 22, 2007 |
| Instrument | 2007-01272 |
| Name | SOVEREIGN BANK |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 5, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON PA |
| Property Address | 115 E WATER ST, LOCK HAVEN, PA 17745-1318 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0200600116 |
|---|---|
| Date | Jan 9, 2006 |
| Instrument | 2006-00116 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Dec 1, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Jun 30, 2020 |
| Property Address | 115 E WATER ST, LOCK HAVEN, PA 17745-1318 |
| Document Number | 2020002420 |
| Instrument Date | Jun 30, 2020 |
| Instrument | 2020-002420 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 509 E BALD EAGLE ST, LOCK HAVEN, PA 17745-2108 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Apr 16, 2013 |
| Property Address | 115 E WATER ST, LOCK HAVEN, PA 17745-1318 |
| Document Number | 0201301706 |
| Instrument Date | Apr 8, 2013 |
| Instrument | 2013-01706 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2026 |
| 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 |
|---|---|
| Address | 101 S UBERTY ST, LOCK HAVEN, PA 17745 |
| Document Number | 0201301709 |
|---|---|
| Date | Apr 16, 2013 |
| Instrument | 2013-01709 |
| Name | CLINTON COUNTY ECONOMIC PARTNERSHIP |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 79 Months |
| Due | Nov 1, 2019 |
| Document Number | 0201301707 |
|---|---|
| Date | Apr 16, 2013 |
| Instrument | 2013-01707 |
| Name | WOODLANDS BANK |
|---|---|
| Type | Bank |
| Address | JERSEY SHORE, PA 17740 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Feb 10, 2005 |
| Property Address | 115 E WATER ST, LOCK HAVEN, PA 17745-1318 |
| Document Number | 0200500628 |
| Instrument Date | Feb 3, 2005 |
| Instrument | 2005-00628 |
| Transaction Type | Transfer |
| Record Updated | Apr 20, 2026 |
| 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 | 115 E WATER ST, LOCK HAVEN, PA 17745-1318 |
| Document Number | 0200500629 |
|---|---|
| Date | Feb 10, 2005 |
| Instrument | 2005-00629 |
| Name | JAMES MCCULLOCH |
|---|---|
| Type | Private Party |
| Amount | Amount on Record |
|---|---|
| Term | 6 Months |
| Due | Aug 1, 2005 |
| Rate | 10% |
|---|
| Document Number | 0200500630 |
|---|---|
| Date | Feb 10, 2005 |
| Instrument | 2005-00630 |
| Name | CITY OF LOCK HAVEN |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 115 E Water St was $573.
Source: Clinton County assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Clinton County |
| Municipality | Lock Haven City |
| Unified School District | Keystone Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $573.00 | $11,200 Land $11,200 | |
| 2023 | $1,889.00 | $64,100 Land $11,200 Building $52,900 | |
| 2008 | $11,200 Land $11,200 |
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 115 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 | 557.9 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 43 (1979–2004) |
| Claims Outside the SFHA | 2 of 43 |
| Most Recent Claim | Sep 2004 · Tropical Depression Ivan |
| 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 115 E Water St 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 93% of the US · lower than 91% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within 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 | CITY OF LOCK HAVEN WATER DEPT serves 8,450 people · EPA ID PA4180048 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Oct 2016 |
| Monitoring and Reporting | 21 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 344 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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