19 Lower Rd, Cochranton, PA 16314 Property Records

Mercer County property record for 19 Lower Rd, Cochranton, PA 16314

Property Summary

Property Type	Rural Home
Details	480 sqft · built 1875
Lot Size	38.9 acres (1,694,484 sqft)
Owner	2 Individual Names on Record
Last Sale	$925,000 (May 2025)
Tax Bill	$1,442 (2026)
Deeds & Mortgages	Feb 2017 Line of Credit Apr 2020 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`07 037 005`

Property Details

APN / Parcel Number

Primary APN	`07 037 005`

Interior

Stories	1 Story
Building Area	480 sqft Living Area

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Lot Area	1,694,484 sqft (38.9 acres)

Location & Zoning

Street Address	19 LOWER RD
City	COCHRANTON
State	PA
Zip	16314-3017
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HS ATTGR ADDN BR MBL
Jurisdiction	MERCER PA
Township / Civil Division	FRENCH CREEK
Census Block Group	3
Census Block	3065
Census Tract	31800

Owner

Source: Mercer County records, as of April 9, 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 Record
Mailing Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Apr 6, 2020	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Feb 21, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Feb 21, 2017	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jun 21, 2021	Deed of Trust, Mortgage · Line of Credit NORTHWEST BANK
Jul 21, 2025	Deed of Trust, Mortgage · Commercial Mortgage HORIZON FARM CREDIT ACA
Jun 7, 2016	Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTHWEST BANK
May 1, 2025	Deed, Transfer · Line of Credit HORIZON FARM CREDIT ACA
Jan 24, 2022	Deed, Construction Loan · Construction Mortgage ANABAPTIST FINANCIAL
Feb 14, 2014	Deed, Transfer · Stand-Alone Second Mortgage NORTHWEST SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2025 · Amount on Record
Deed Sale	May 1, 2025 · Amount on Record
Prior Sale	Jan 24, 2022 · Amount on Record
Deed Document Number	20253182
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700001652
Date	Feb 21, 2017
Instrument	2017-00001652

Lender

Name	NORTHWEST BANK
Type	Bank
Address	MEADVILLE, PA 16335

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202000002912
Date	Apr 6, 2020
Instrument	2020-00002912

Lender

Name	NORTHWEST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700001654
Date	Feb 21, 2017
Instrument	2017-00001654

Lender

Name	NORTHWEST BANK
Type	Bank
Address	MEADVILLE, PA 16335

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201700001653
Date	Feb 21, 2017
Instrument	2017-00001653

Lender

Name	NORTHWEST BANK
Type	Bank
Address	MEADVILLE, PA 16335

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 LOWER RD, COCHRANTON, PA 16314-3017

Mortgage

Document Number	202100006712
Date	Jun 21, 2021
Instrument	2021-00006712

Lender

Name	NORTHWEST BANK
Type	Bank
Address	MEADVILLE, PA 16335

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 CRANBERRY RD, SANDY LAKE, PA 16145-2518

Mortgage

Document Number	202500005744
Date	Jul 21, 2025
Instrument	2025-00005744

Lender

Name	HORIZON FARM CREDIT ACA
Type	Bank
Address	300 WINDING CREEK BLVD, MECHANICSBURG, PA 17050

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MERCER PA
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201600004961
Date	Jun 7, 2016
Instrument	2016-00004961

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	239 Months
Due	May 9, 2036

May 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER PA
Recording Date	May 1, 2025
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Document Number	202500003182
Instrument Date	Apr 30, 2025
Instrument	2025-00003182
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,250.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 LOWER RD, COCHRANTON, PA 16314-3017

Mortgage

Document Number	202500003183
Date	May 1, 2025
Instrument	2025-00003183

Lender

Name	HORIZON FARM CREDIT ACA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2022: Deed, Construction Loan

Document Type	Deed
Jurisdiction	MERCER PA
Recording Date	Jan 24, 2022
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Document Number	202200000771
Instrument Date	Jan 21, 2022
Instrument	2022-00000771
Transaction Type	Construction Loan
Record Updated	Apr 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 LOWER RD, COCHRANTON, PA 16314-3017

Mortgage

Document Number	202200000772
Date	Jan 24, 2022
Instrument	2022-00000772

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER PA
Recording Date	Feb 14, 2014
Property Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Document Number	201400001519
Instrument Date	Feb 14, 2014
Instrument	2014-00001519
Transaction Type	Transfer
Record Updated	Apr 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3023 STATE ROUTE 39, MILLERSBURG, OH 44654-8852

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 LOWER RD, COCHRANTON, PA 16314-3017
Investor	Possibly a Property Investor

Mortgage

Document Number	201400001521
Date	Feb 14, 2014
Instrument	2014-00001521

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 14, 2024

Mortgage

Document Number	201400001520
Date	Feb 14, 2014
Instrument	2014-00001520

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2044

Tax Assessment & Valuation

Source: Mercer County assessment roll, as of April 9, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Mercer County
County Subdivision	French Creek Township
Unified School District	Crawford Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,442.00 (+5.87%)	$33,250 (-) Land $3,850 Building $29,400
2024		$33,250 (-) Land $3,850 Building $29,400
2023	$1,362.00	$33,250 Land $3,850 Building $29,400
1974			$33,250 Land $3,850 Building $29,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2016 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2003 · Severe Storms, Tornadoes, And Flooding

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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