116 Watrous St, Gaines, PA 16921 Property Records

Tioga County property record for 116 Watrous St, Gaines, PA 16921

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 1.5 ba · 1,400 sqft · built 1901
Lot Size	0.303 acres (13,200 sqft)
Owner	Individual Name on File
Last Sale	$64,500 (May 2021)
Tax Bill	$964 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Apr 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`15/10B00/040./000`

Property Details

APN / Parcel Number

Primary APN	`15/10B00/040./000`
Alternative APN	`00006962`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
Basement Area	504 sqft
Unfinished Basement	504 sqft

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Exterior Material	Other
Lot Area	13,200 sqft (0.303 acres)
Garage Type	Detached
Garage Area	336 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	00006962
Street Address	116 WATROUS ST
City	GAINES
State	PA
Zip	16921-9538
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Jurisdiction	TIOGA PA
Township / Civil Division	GAINES
Census Block Group	2
Census Block	2031
Census Tract	950900

Owner

116 Watrous St, a residential property, is owned and occupied by an individual who bought it in May 2021.

Source: Tioga County records, as of April 17, 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	Individual Name on File
Mailing Address	116 WATROUS ST, GAINES, PA 16921-9538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed, Transfer · Conventional Mortgage NAVY FCU
Apr 19, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 3, 2021 · Amount on File
Deed Sale	May 3, 2021 · Amount on File
Prior Sale	Apr 19, 2018 · Amount on File
Deed Document Number	20213642
Record Updated	Jun 8, 2026

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	May 3, 2021
Property Address	116 WATROUS ST, GAINES, PA 16921-9538
Document Number	0202103642
Instrument Date	Apr 30, 2021
Instrument	202103642
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	CORNERSTONE ABSTRACT AND SETTLEMENT, CORNERSTONE ABSTRACT & SETMN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$645.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 CHESTNUT ST, GAINES, PA 16921-9554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	573 S YALE ST, YORK, PA 17403-5716

Mortgage

Document Number	0202103643
Date	May 3, 2021
Instrument	202103643

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	Apr 19, 2018
Property Address	116 WATROUS ST, GAINES, PA 16921-9538
Document Number	0201803660
Instrument Date	Apr 12, 2018
Instrument	201803660
Transaction Type	Transfer
Record Updated	Jun 2, 2023

Transaction

Amount	Amount on Record
Tax	$580.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	665 HARVEST DR, HARRISBURG, PA 17111-5677

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 CHESTNUT ST, GAINES, PA 16921-9554

Tax Assessment & Valuation

The 2026 property tax bill for 116 Watrous St was $964.

Source: Tioga County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Tioga County
County Subdivision	Gaines Township
Unified School District	Galeton Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$964.00	$67,050 Land $13,070 Building $53,980
2024	$1,490.00	$67,050 Land $13,070 Building $53,980
2023			$67,050 Land $13,070 Building $53,980

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

Flood

FEMA maps place 116 Watrous St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 2, 2021 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	17 (1984–2024)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Tropical Storm Debby, Aug 2024 · 2 claims Tropical Depression Ivan, Sep 2004 · 2 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 116 Watrous St is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Cable	2,000 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Tri-Co Connections.

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