129 Stephens St, Johnstown, PA 15905 Property Records

Cambria County property record for 129 Stephens St, Johnstown, PA 15905

Property Summary

Property Type	Single Family Home
Details	built 1906
Lot Size	0.077 acres (3,360 sqft)
Owner	Individual Name on File
Last Sale	$36,000 (Jul 2019)
Tax Bill	$507 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78-015.-511.000`

Property Details

APN / Parcel Number

Primary APN	`78-015.-511.000`
Alternative APN	`078 003121`

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Lot Area	3,360 sqft (0.077 acres)
Lot Dimensions	70 ft deep x 48 ft wide

Location & Zoning

Street Address	129 STEPHENS ST
City	JOHNSTOWN
State	PA
Zip	15905-4641
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	48 X 70 H
Jurisdiction	CAMBRIA PA
Township / Civil Division	JOHNSTOWN
Census Block Group	1
Census Block	1016
Census Tract	700

Owner

129 Stephens St is owned and occupied by an individual who bought it in July 2019.

Source: Cambria County records, as of April 17, 2026

Owner of Record	Individual Name on File
Mailing Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2023	Deed of Trust, Mortgage SECRETARY OF HOUSING URBAN & DEVELOPMENT
Aug 11, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage SLOVENIAN SAVINGS & LOAN ASSN FRANKLIN C
Jul 25, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK
Jul 25, 2019	Deed, Transfer · Stand-Alone Refinance FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2019 · Amount on File
Deed Sale	Jul 25, 2019 · Amount on File
Prior Sale	Jan 1, 1997
Deed Document Number	20197224
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIA PA
Property Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641
Transaction Type	Mortgage
Record Updated	Sep 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202300008381
Date	Sep 1, 2023
Instrument	2023-00008381

Lender

Name	SECRETARY OF HOUSING URBAN & DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount on Record
Term	311 Months
Due	Aug 1, 2049

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIA PA
Property Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000009186
Date	Aug 11, 2022
Instrument	20220-00009186

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Sep 1, 2049

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIA PA
Property Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2794/0368
Date	Apr 13, 2017
Book Page	2794/0368
Instrument	2017-0003646

Lender

Name	SLOVENIAN SAVINGS & LOAN ASSN FRANKLIN C
Type	Non-Lending Institution
Address	JOHNSTOWN, PA 15902

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2027

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMBRIA PA
Property Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641
Transaction Type	Mortgage
Record Updated	Apr 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019000007226
Date	Jul 25, 2019
Instrument	20190-00007226

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAMBRIA PA
Recording Date	Jul 25, 2019
Property Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641
Document Number	2019000007224
Instrument Date	Jul 19, 2019
Instrument	20190-00007224
Transaction Type	Transfer
Record Updated	May 30, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 STEPHENS ST, JOHNSTOWN, PA 15905-4641

Mortgage

Document Number	2019000007225
Date	Jul 25, 2019
Instrument	20190-00007225

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 129 Stephens St was $507.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Cambria County
Municipality	Johnstown City
Unified School District	Greater Johnstown School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$507.00	$6,120 Land $800 Building $5,320
2024	$805.00	$6,120 Land $800 Building $5,320
1972			$6,120 Land $800 Building $5,320

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 129 Stephens St 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 June 19, 2012 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1978–1996)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jan 1996 · Severe Storms And Flooding
Claims by Event	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 129 Stephens 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.

Drinking Water

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

Water System	GREATER JOHNSTOWN WA RIVERSIDE serves 49,500 people · EPA ID PA4110034
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	47 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 550 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

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