Bradford County property record for 189 E Main St, Troy, PA 16947 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · built 1900 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $132,978 (Apr 2026) |
| Tax Bill | $984 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage May 2006 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-068.01-131-000-000 |
| Primary APN | 52-068.01-131-000-000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Lot Area | 5,227 sqft (0.12 acres) |
| Street Address | 189 E MAIN ST |
|---|---|
| City | TROY |
| State | PA |
| Zip | 16947-1238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE |
| Jurisdiction | BRADFORD PA |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 950700 |
Source: Bradford County records · APN 52-068.01-131-000-000
Assessment roll updated April 27, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 189 E MAIN ST, TROY, PA 16947-1238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 02, 2026 | Deed, Transfer · FHA Mortgage FIRST ABSTRACT AGENCY |
| May 01, 2006 | Deed, Transfer · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 02, 2026 · Amount on Record |
| Deed Sale | Apr 02, 2026 · Amount on Record |
| Prior Sale | Sep 14, 2009 · Amount on Record |
| Deed Document Number | 20263734 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRADFORD PA |
| Recording Date | Apr 02, 2026 |
| Property Address | 189 E MAIN ST, TROY, PA 16947-1238 |
| Document Number | 0000003734 |
| Instrument Date | Feb 19, 2026 |
| Instrument | 20263734 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2026 |
| Title Company | FIRST ABSTRACT AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $134,307.78 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 189 E MAIN ST, TROY, PA 16947-1238 |
| Document Number | 0000003735, |
|---|---|
| Date | Apr 02, 2026 |
| Instrument | 20263735 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRADFORD PA |
| Recording Date | May 01, 2006 |
| Property Address | 189 E MAIN ST, TROY, PA 16947-1238 |
| Document Number | 0200604911 |
| Instrument Date | Apr 28, 2006 |
| Instrument | 200604911 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $840.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 ROCKWELL DR, 114, TROY, PA 16947-1053 |
| Name | Verified Name |
|---|---|
| Address | 189 E MAIN ST, TROY, PA 16947-1238 |
| Document Number | 0200604912 |
|---|---|
| Date | May 01, 2006 |
| Instrument | 200604912 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50306 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2036 |
Source: Bradford County records · Assessment roll updated April 27, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bradford County |
| Municipality | Troy Borough |
| Unified School District | Troy Area School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $984.00 (+4.13%) | $12,900 (-) | |
| 2025 | $945.00 (+2.49%) | $12,900 (-) | |
| 2024 | $922.00 | $12,900 | |
| 1999 | $25,801 |
Source: FEMA National Flood Hazard Layer, Bradford County (42015C), updated September 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 420159507003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 9 (1981–2018) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Aug 2018, river or lake flooding, Severe Storms And Flooding |
| Claims By Storm |
|
| Wildfire Risk | Low above 7% of the US · above 8% of Pennsylvania |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 121 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 5,000 / 5,000 |
| Pencor Services | Cable | 2,000 / 40 |
| Empire Telephone Corporation/North Penn Telephone Company | Fiber | 1,000 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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