1324 E Cardinal Dr, Lock Haven, PA 17745 Property Records

Clinton County property record for 1324 E Cardinal Dr, Lock Haven, PA 17745

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,736 sqft · built 1978
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,500 (Dec 2025)
Tax Bill	$4,901 (2026)
Deeds & Mortgages	Sep 2007 Line of Credit Sep 2011 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`29-20884`

Property Details

APN / Parcel Number

Primary APN	`29-20884`
Alternative APN	`7A-A-0051`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,736 sqft Living Area
Gross Area	5,212 sqft
1st Floor Area	1,616 sqft
Basement Area	1,196 sqft
Unfinished Basement	1,196 sqft
Family Room	Family Room
Interior Walls	Plaster

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Other

Location & Zoning

Account Number	7A-A -0051
Street Address	1324 E CARDINAL DR
City	LOCK HAVEN
State	PA
Zip	17745-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	CLINTON PA
Township / Civil Division	PINE CREEK
Census Block Group	2
Census Block	2048
Census Tract	30400

Owner

Source: Clinton County records, as of April 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2007	Deed of Trust, Mortgage · Line of Credit SOVEREIGN BANK
Sep 8, 2011	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Dec 22, 2025	Deed, Transfer · Conventional Mortgage PENNSYLVANIA STATE EMPLOYEES CU
Jan 7, 2014	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Deed Document Number	20254391
Prior Transfer Date	Nov 22, 2013
Prior Transfer Doc	0201400064
Record Updated	Jun 8, 2026

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Property Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806
Transaction Type	Mortgage
Record Updated	Apr 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0200704644
Date	Sep 7, 2007
Instrument	2007-04644

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Jul 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Property Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806
Transaction Type	Mortgage
Record Updated	Apr 20, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201103600
Date	Sep 8, 2011
Instrument	2011-03600

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CLINTON PA
Recording Date	Dec 22, 2025
Property Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806
Document Number	0202504391
Map Reference	MB 1 PG 32
Instrument Date	Dec 22, 2025
Instrument	2025-04391
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	PREMIER ABSTRACT AND SEARCH, PREMIER ABSTRACT & STLMT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806

Mortgage

Document Number	0202504392
Date	Dec 22, 2025
Instrument	2025-04392

Lender

Name	PENNSYLVANIA STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

January 2014: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON PA
Recording Date	Jan 7, 2014
Property Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806
Document Number	0201400064
Instrument Date	Nov 22, 2013
Instrument	2014-00064
Transaction Type	Transfer
Record Updated	Apr 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 E CARDINAL DR, LOCK HAVEN, PA 17745-8806

Tax Assessment & Valuation

Source: Clinton County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Clinton County
County Subdivision	Pine Creek Township
Unified School District	Keystone Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,901.00 (+0.7%) Homeowner's exemption	$215,500 (-) Land $39,700 Building $175,800
2025	$4,867.00 (+7.94%)	$215,500 (-) Land $39,700 Building $175,800
2023	$4,509.00	$215,500 Land $39,700 Building $175,800
2008			$215,500 Land $39,700 Building $175,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · 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	7 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Tropical Depression Ivan, Sep 2004 · 3 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

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.

Drinking Water

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

Water System	PAWC APPALACHIAN DIST private · serves 3,000 people · EPA ID PA4180067
Water Source	Groundwater
Last State Inspection	Jul 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
River Valley Internet Fixed Wireless	100 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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