194 Smith Hill Rd, Troy, PA 16947 Property Records

Bradford County property record for 194 Smith Hill Rd, Troy, PA 16947 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · built 1876
Lot Size	17.1 acres (745,312 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,332 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`53-081.00-081-000-000`

Property Details

APN / Parcel Number

Primary APN	`53-081.00-081-000-000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Architectural Style	Conventional
Lot Area	745,312 sqft (17.1 acres)

Location & Zoning

Street Address	194 SMITH HILL RD
City	TROY
State	PA
Zip	16947-8819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE,ATTD GAR
Legal Subdivision	SUBDIVISION OF LANDS OF JOHN G COLE
Jurisdiction	BRADFORD PA
Township / Civil Division	TROY
Census Block Group	4
Census Block	4051
Census Tract	950700

Owner

Source: Bradford County records · APN 53-081.00-081-000-000

Assessment roll updated April 27, 2026 · Last verified August 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	194 GEORGE SMITH HILL RD, TROY, PA 16947
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS COMMUNITY BANK
Sep 21, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CITIZENS COMMUNITY BANK
Jul 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 29, 2024
Transfer Doc	0202407455
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD PA
Property Address	194 SMITH HILL RD, TROY, PA 16947-8819
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SMITH HILL RD, TROY, PA 16947-8819

Mortgage

Document Number	0202213849
Date	Dec 20, 2022
Instrument	202213849

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank
Address	MANSFIELD, PA 16933

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 08, 2037

September 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BRADFORD PA
Recording Date	Sep 21, 2020
Property Address	194 SMITH HILL RD, TROY, PA 16947-8819
Document Number	0202008868
Map Reference	MAP 2001-178
Instrument Date	Sep 15, 2020
Instrument	202008868
Transaction Type	Transfer
Record Updated	Apr 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	194 SMITH HILL RD, TROY, PA 16947-8819

Mortgage

Document Number	0202008869
Date	Sep 21, 2020
Instrument	202008869

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD PA
Property Address	194 SMITH HILL RD, TROY, PA 16947-8819
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201809776
Date	Jul 11, 2018
Instrument	201809776

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank
Address	MANSFIELD, PA 16933

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 11, 2033

Tax Assessment & Valuation

Source: Bradford County records · Assessment roll updated April 27, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bradford County
County Subdivision	Troy Township
Unified School District	Troy Area School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,332.00 (+4.96%)	$20,950 (-)
2025	$1,269.00 (+4.7%)	$20,950 (-)
2024	$1,212.00	$20,950
1999			$41,899

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bradford County (42015C), updated September 21, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 420159507004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2011–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2018, rainfall accumulation, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Aug 2018 · 2 claims

Wildfire

Wildfire Risk	Low above 32% of the US · above 79% of Pennsylvania
Wildfire Likelihood	About 1 in 3,448 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Tri-County Rural Electric Cooperative	Fiber	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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