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

Somerset County property record for 163 W 3rd St, Gray, PA 15544

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,062 sqft · built 1920
Lot Size	1.26 acres (55,103 sqft)
Owner	Individual Name on File
Tax Bill	$1,729 (2026)
Deeds & Mortgages	Mar 2015 Mortgage May 2010 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S21-044-024-000`

Property Details

APN / Parcel Number

Primary APN	`S21-044-024-000`
Alternative APNs	`S21-044-024-00` `210003850`

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	3,062 sqft Living Area
1st Floor Area	784 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Roof Material	Asbestos
Lot Area	55,103 sqft (1.26 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	210003850
Street Address	163 W 3RD ST
City	GRAY
State	PA
Zip	15544-1108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 10 20 21 BNG 1.265 A GRAY 2 STY VINYL HO GAR SHED
Legal Subdivision	VILLAGE OF GRAY
Legal Lot Number	9-21
Jurisdiction	SOMERSET PA
Township / Civil Division	JENNER
Census Block Group	4
Census Block	4018
Census Tract	20602

Owner

Source: Somerset County records, as of April 28, 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 File
Mailing Address	163 W 3RD ST, GRAY, PA 15544-1108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2015	Deed of Trust, Mortgage SOMERSET TRUST CO
May 21, 2010	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
Jun 9, 2008	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
Oct 28, 2010	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 19, 2010
Transfer Doc	02214/0597
Record Updated	Sep 20, 2026

March 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	163 W 3RD ST, GRAY, PA 15544-1108
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02506/0418
Date	Mar 31, 2015
Book Page	2506/0418
Instrument	2015002163

Lender

Name	SOMERSET TRUST CO
Type	Bank
Address	SOMERSET, PA 15501

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	163 W 3RD ST, GRAY, PA 15544-1108
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02181/0082
Date	May 21, 2010
Book Page	2181/0082
Instrument	2010004044

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	SOMERSET, PA 15501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOMERSET PA
Property Address	163 W 3RD ST, GRAY, PA 15544-1108
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02047/0484
Date	Jun 9, 2008
Book Page	2047/0484
Instrument	2008007135

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	SOMERSET, PA 15501

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2010: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SOMERSET PA
Recording Date	Oct 28, 2010
Property Address	163 W 3RD ST, GRAY, PA 15544-1108
Document Number	02214/0597
Book / Page	2214 / 0597
Map Reference	MB3 PG40
Instrument Date	Oct 19, 2010
Instrument	2010009922
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	163 W 3RD ST, GRAY, PA 15544-1108

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	163 W 3RD ST, GRAY, PA 15544-1108

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	$1,729.00 (+3.72%) Homeowner's exemption	$29,500 (-)
2025	$1,667.00 Homeowner's exemption	$29,500 (-)
2024	$1,667.00 (+5.24%)	$29,500 (-)
2023	$1,584.00	$29,500
1998			$59,000 Land $10,380 Building $48,620

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

Nearby Properties on W 3rd St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures