138 Cardinal Dr, Lock Haven, PA 17745 Property Records

Clinton County property record for 138 Cardinal Dr, Lock Haven, PA 17745

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1961
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$85,000 (Feb 2022)
Tax Bill	$2,596 (2026)
Deeds & Mortgages	May 2024 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`36-17791`

Property Details

APN / Parcel Number

Primary APN	`36-17791`
Alternative APN	`01-K-0022`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	3,182 sqft
1st Floor Area	1,040 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft
Game Room	Game Room
Interior Walls	Plaster

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Ranch
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Account Number	01-K -0022
Street Address	138 CARDINAL DR
City	LOCK HAVEN
State	PA
Zip	17745-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	70 X 125
Jurisdiction	CLINTON PA
Township / Civil Division	WOODWARD
Census Block Group	2
Census Block	2048
Census Tract	30300

Owner

138 Cardinal Dr is owned and occupied by an individual who bought it in February 2022.

Source: Clinton County records, as of May 12, 2026

Owner of Record	Individual Name on File
Mailing Address	138 CARDINAL DR, LOCK HAVEN, PA 17745-1628
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
May 24, 2024	Deed of Trust, Mortgage · USDA Mortgage USDA
Feb 25, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NORTHWEST BANK
Dec 13, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Deed Document Number	2022802
Prior Transfer Date	Aug 12, 2008
Prior Transfer Doc	0200804179
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Property Address	138 CARDINAL DR, LOCK HAVEN, PA 17745-1628
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202401566
Date	May 24, 2024
Instrument	2024-01566

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	237 Months
Due	Feb 27, 2044

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLINTON PA
Recording Date	Feb 25, 2022
Property Address	138 CARDINAL DR, LOCK HAVEN, PA 17745-1628
Document Number	0202200802
Instrument Date	Feb 18, 2022
Instrument	2022-00802
Transaction Type	Transfer
Record Updated	Dec 22, 2023
Title Company	NORTHWEST STLMT AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CARDINAL DR, LOCK HAVEN, PA 17745-1628

Mortgage

Document Number	0202200803
Date	Feb 25, 2022
Instrument	2022-00803

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CLINTON PA
Recording Date	Dec 13, 2021
Property Address	138 CARDINAL DR, LOCK HAVEN, PA 17745-1628
Document Number	2021005777
Instrument Date	Dec 4, 2021
Instrument	2021-005777
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount on Record
Tax	$350.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	330 W COLLEGE AVE # 1220, 1220, STATE COLLEGE, PA 16801-3831

Tax Assessment & Valuation

The 2026 property tax bill for 138 Cardinal Dr was $2,596 with a homeowner's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,596.00 Homeowner's exemption	$104,400 Land $20,800 Building $83,600
2023	$2,406.00	$104,400 Land $20,800 Building $83,600
2008			$104,400 Land $20,800 Building $83,600

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

Flood

FEMA maps place 138 Cardinal Dr in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1984.

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	9 (1984–2026)
Most Recent Claim	Sep 2026 · rainfall accumulation
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 138 Cardinal Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SUBURBAN LOCK HAVEN WATER AUTH serves 9,700 people · EPA ID PA4180049
Water Source	Purchased surface water from CENT CLINTON CO WATER FIL AUTH
Last State Inspection	May 2026
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2021
Treatment and Procedure	Coliform assessment Jul 2021
Monitoring and Reporting	2 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 258 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

Cell Coverage

5G (outdoors only) and 4G LTE

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