131 Terrapin Dr, Windber, PA 15963 Property Records

Somerset County property record for 131 Terrapin Dr, Windber, PA 15963

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,750 sqft · built 2011
Lot Size	2 acres (87,512 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Nov 2021)
Tax Bill	$7,113 (2025)
Deeds & Mortgages	Sep 2011 Construction Loan Mar 2012 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`S34-049-006-000`

Property Details

APN / Parcel Number

Primary APN	`S34-049-006-000`
Alternative APNs	`S34-049-006-00` `342035750`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,750 sqft Living Area
1st Floor Area	2,770 sqft
Basement Area	980 sqft
Finished Basement	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Contemporary
Exterior Material	Brick/Stone
Construction Type	Frame
Roof Material	Asbestos
Lot Area	87,512 sqft (2 acres)
Terrain	Below Road/Slope
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	342035750
Street Address	131 TERRAPIN DR
City	WINDBER
State	PA
Zip	15963-6619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 14 BNG 2.009 A 1 STY MAS/FR DWG ATT GAR POOL
Legal Subdivision	WINCHESTER ESTATES
Legal Lot Number	14
Jurisdiction	SOMERSET PA
Township / Civil Division	PAINT
Census Block Group	2
Census Block	2016
Census Tract	20200

Owner

131 Terrapin Dr is owned and occupied by an individual who bought it in November 2021.

Source: Somerset County records, as of April 28, 2026

Owner of Record	Individual Name on File
Mailing Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
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 28, 2011	Deed of Trust, Mortgage · Construction Mortgage 1ST SUMMIT BANK
Mar 19, 2012	Deed of Trust, Mortgage · Line of Credit 1 ST SUMMIT BANK
Feb 23, 2016	Deed of Trust, Mortgage · Line of Credit 1ST SUMMIT BANK
Jul 17, 2014	Deed of Trust, Mortgage · Line of Credit 1ST SUMMIT BANK
Nov 16, 2021	Correction Deed
Aug 10, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST COMMONWEALTH BANK
Feb 25, 2019	Deed, Transfer · Conventional Mortgage FIRST COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on File
Deed Sale	Nov 16, 2021 · Amount on File
Prior Sale	Feb 25, 2019 · Amount on File
Deed Document Number	20219714
Deed Book / Page	2923 / 477
Prior Transfer Date	Nov 9, 2021
Prior Transfer Doc	2923/477
Record Updated	Sep 20, 2026

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02275/0654
Date	Sep 28, 2011
Book Page	2275/0654
Instrument	2011008660

Lender

Name	1ST SUMMIT BANK
Type	Bank
Address	JOHNSTOWN, PA 15904

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	246 Months
Due	Mar 28, 2032

March 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02310/0331
Date	Mar 19, 2012
Book Page	2310/0331
Instrument	2012002907

Lender

Name	1 ST SUMMIT BANK
Address	JOHNSTOWN, PA 15904

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02563/0974
Date	Feb 23, 2016
Book Page	2563/0974
Instrument	2016001229

Lender

Name	1ST SUMMIT BANK
Type	Bank
Address	JOHNSTOWN, PA 15904

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02465/0381
Date	Jul 17, 2014
Book Page	2465/0381
Instrument	2014005167

Lender

Name	1ST SUMMIT BANK
Type	Bank
Address	JOHNSTOWN, PA 15904

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	SOMERSET PA
Recording Date	Nov 16, 2021
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Document Number	002923/477
Book / Page	2923 / 477
Map Reference	VOL 28 PG 57A-D
Instrument Date	Nov 9, 2021
Instrument	2021009714
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	212 POMROYS DR, WINDBER, PA 15963-2417

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TERRAPIN DR, WINDBER, PA 15963-6619

August 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SOMERSET PA
Recording Date	Aug 10, 2020
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Document Number	002824/901
Book / Page	2824 / 901
Instrument Date	Jul 23, 2020
Instrument	2020005363
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	UNIVERSAL SETTLEMENT SERVICES, UNIVERSAL SETTLEMENT SVCS

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 TERRAPIN DR, WINDBER, PA 15963-6619

Mortgage

Document Number	2020005364
Date	Aug 10, 2020
Instrument	2020005364

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2040

February 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SOMERSET PA
Recording Date	Feb 25, 2019
Property Address	131 TERRAPIN DR, WINDBER, PA 15963-6619
Document Number	02738/0953
Book / Page	2738 / 0953
Map Reference	VOL 29 PG 52A-D
Instrument Date	Feb 15, 2019
Instrument	2019001209
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount 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
Relationship	Joint Tenants
Address	131 TERRAPIN DR, WINDBER, PA 15963-6619

Mortgage

Document Number	2019001210
Date	Feb 25, 2019
Instrument	2019001210

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 131 Terrapin Dr was $7,113 with a homeowner's exemption, down 3.9% from the year before.

Source: Somerset County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Somerset County
County Subdivision	Paint Township
Unified School District	Windber Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	Homeowner's exemption	$128,960 (-)
2025	$7,113.00 (-3.89%) Homeowner's exemption	$128,960 (-)
2024	$7,401.00 (+6.73%)	$128,960 (-)
2023	$6,934.00	$128,960
1998			$257,920 Land $20,920 Building $237,000

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

Flood

FEMA maps place 131 Terrapin Dr in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective October 6, 2019 · 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	3 in force
Nearby Flood Claims	8 (1978–2004)
Most Recent Claim	Sep 2004 · Tropical Depression Ivan

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 131 Terrapin Dr is low, with a 0.03% 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	0.03% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: T-Mobile.

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