Bradford County property record for 144 Prospect St, Troy, PA 16947
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · built 1956 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,885 (2026) |
| Deeds & Mortgages | Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-068.03-031-000-000 |
| Primary APN | 52-068.03-031-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Conventional |
| Lot Area | 14,375 sqft (0.33 acres) |
| Street Address | 144 PROSPECT ST |
|---|---|
| City | TROY |
| State | PA |
| Zip | 16947-1311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE W/ATT GARAGE |
| Jurisdiction | BRADFORD PA |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 950700 |
144 Prospect St is owned and occupied by two individuals.
Source: Bradford County records, as of April 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 144 PROSPECT ST, TROY, PA 16947-1311 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD PA |
| Property Address | 144 PROSPECT ST, TROY, PA 16947-1311 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202005105 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 202005105 |
| Name | CITIZENS & NORTHERN BANK |
|---|---|
| Type | Bank |
| Address | WELLSBORO, PA 16901 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 5, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 144 Prospect St was $2,885.
Source: Bradford County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bradford County |
| Municipality | Troy Borough |
| Unified School District | Troy Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,885.00 | $37,800 | |
| 2024 | $2,703.00 | $37,800 | |
| 1999 | $75,602 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 144 Prospect 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 21, 2024 · 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 9 (1981–2018) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Aug 2018 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 144 Prospect 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 | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TROY WATER DEPTARTMENT serves 1,362 people · EPA ID PA2080020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 16 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Blue Ridge Cable Technologies Cable | 2,000 / 40 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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