145 W 3rd St, Gray, PA 15544 Property Records

Somerset County property record for 145 W 3rd St, Gray, PA 15544

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 2014
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Tax Bill	$2,415 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`S21-044-021-000`

Property Details

APN / Parcel Number

Primary APN	`S21-044-021-000`
Alternative APNs	`S21-044-021-00` `210010760`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Asbestos
Lot Area	11,761 sqft (0.27 acres)
Terrain	Above Road/Slope

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	210010760
Street Address	145 W 3RD ST
City	GRAY
State	PA
Zip	15544-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 GRAY BNG 0.27 A 1 STY VINYL HO
Legal Subdivision	VILLAGE OF GRAY
Legal Lot Number	17
Jurisdiction	SOMERSET PA
Township / Civil Division	JENNER
Census Block Group	4
Census Block	4018
Census Tract	20602

Owner

Source: Somerset County records, as of May 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	145 W 3RD ST, GRAY, PA 15544-1108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK
Jun 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK
May 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Mar 6, 2009	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
Jul 11, 2013	Deed of Trust, Mortgage FIRST COMMONWEALTH BANK
Apr 7, 2010	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
May 30, 2008	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 6, 2026
Transfer Doc	0000003229
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Recording Date	Jun 4, 2026
Property Address	145 W 3RD ST, GRAY, PA 15544
Document Number	0000003990
Book / Page	3193 / 972
Instrument Date	May 22, 2026
Instrument	20263990
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 W 3RD ST, GRAY, PA 15544
Investor	Possibly a Property Investor

Mortgage

Document Number	0000003990,
Date	Jun 4, 2026
Book Page	3193/972
Instrument	20263990

Lender

Name	FIRST COMMONWEALTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.23%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Recording Date	Jun 5, 2026
Property Address	145 W 3RD ST, GRAY, PA 15544
Document Number	0000004051
Book / Page	3194 / 334
Instrument Date	May 22, 2026
Instrument	20264051
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 W 3RD ST, GRAY, PA 15544
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004051,
Date	Jun 5, 2026
Book Page	3194/334
Instrument	20264051

Lender

Name	FIRST COMMONWEALTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.23%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SOMERSET PA
Recording Date	May 6, 2026
Property Address	145 W 3RD ST, GRAY, PA 15544-1108
Document Number	0000003229
Book / Page	3188 / 229
Instrument Date	May 6, 2026
Instrument	20263229
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 W 3RD ST, GRAY, PA 15544-1108

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	145 W 3RD ST, GRAY, PA 15544-1108
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02099/0690
Date	Mar 6, 2009
Book Page	2099/0690
Instrument	2009001909

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	JENNERSTOWN, PA 15547

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	145 W 3RD ST, GRAY, PA 15544-1108
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02404/0547
Date	Jul 11, 2013
Book Page	2404/0547
Instrument	2013006691

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	JENNERSTOWN, PA 15547

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 10, 2023

April 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	145 W 3RD ST, GRAY, PA 15544-1108
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02173/0324
Date	Apr 7, 2010
Book Page	2173/0324
Instrument	2010002629

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	JENNERSTOWN, PA 15547

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2008: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SOMERSET PA
Recording Date	May 30, 2008
Property Address	145 W 3RD ST, GRAY, PA 15544-1108
Document Number	02045/0076
Book / Page	2045 / 0076
Map Reference	MB3 PG40
Instrument Date	May 28, 2008
Instrument	2008006652
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	145 W THIRD ST, GRAY, PA 15544-1108
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Somerset County
County Subdivision	Jenner Township
Unified School District	North Star School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,415.00 (+3.74%) Homeowner's exemption	$41,200 (-)
2025	$2,328.00 Homeowner's exemption	$41,200 (-)
2024	$2,328.00 (+5.2%)	$41,200 (-)
2023	$2,213.00	$41,200
1998			$82,390 Land $6,930 Building $75,460

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 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	2 in force

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	GRAY AREA WATR AUTH OF JEN TWP serves 700 people · EPA ID PA4560036
Water Source	Groundwater
Last State Inspection	Nov 2024

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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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