Centre County property record for 195 E Main St, Howard, PA 16841
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,553 sqft · built 1840 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $209,000 (Sep 2019) |
| Tax Bill | $2,514 (2026) |
| Deeds & Mortgages | Apr 2016 Mortgage Oct 2012 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-002-,109-,0000 |
| Primary APN | 27-002-,109-,0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,553 sqft Living Area |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Exterior Material | Other |
| Lot Area | 8,276 sqft (0.19 acres) |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 195 E MAIN ST |
|---|---|
| City | HOWARD |
| State | PA |
| Zip | 16841-2210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | CENTRE PA |
| Township / Civil Division | HOWARD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 10100 |
Source: Centre County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2016 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Oct 25, 2012 | Deed of Trust, Mortgage · Line of Credit SOVEREIGN BANK NA |
| Jul 29, 2008 | Deed of Trust, Mortgage COUNTRYWIDE BANK FSB |
| Dec 8, 2010 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA |
| Sep 16, 2019 | Deed, Transfer · Conventional Mortgage AMERISERV FINANCIAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Dec 8, 2000 · Amount on Record |
| Deed Book / Page | 2238 / 471 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CENTRE PA |
| Property Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02178/0405 |
|---|---|
| Date | Apr 4, 2016 |
| Book Page | 2178/0405 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CENTRE PA |
| Property Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02112/0295 |
|---|---|
| Date | Oct 25, 2012 |
| Book Page | 2112/0295 |
| Name | SOVEREIGN BANK NA |
|---|---|
| Type | Bank |
| Address | READING, PA 19602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 5, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CENTRE PA |
| Property Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02016/0550 |
|---|---|
| Date | Jul 29, 2008 |
| Book Page | 2016/0550 |
| Name | COUNTRYWIDE BANK FSB |
|---|---|
| Type | Bank |
| Address | ALEXANDRIA, VA 22314 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Aug 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CENTRE PA |
| Property Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 02070/0462 |
|---|---|
| Date | Dec 8, 2010 |
| Book Page | 2070/0462 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2041 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CENTRE PA |
| Recording Date | Sep 16, 2019 |
| Property Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Document Number | 02238/0471 |
| Book / Page | 2238 / 0471 |
| Instrument Date | Sep 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2026 |
| Title Company | EPIC SETTLEMENT SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,090.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 195 E MAIN ST, HOWARD, PA 16841-2210 |
| Document Number | 0002238472 |
|---|---|
| Date | Sep 16, 2019 |
| Instrument | 2238/472 |
| Name | AMERISERV FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
Source: Centre County assessment roll, as of September 21, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Centre County |
| Municipality | Howard Borough |
| Unified School District | Bald Eagle Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,514.00 (+0.56%) | $32,985 (-) Land $5,000 Building $27,985 | |
| 2025 | $65,970 (-) Land $10,000 Building $55,970 | ||
| 2024 | $2,500.00 | $32,985 Land $5,000 Building $27,985 | |
| 1994 | $65,970 Land $10,000 Building $55,970 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 1, 2022 · 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 | 1 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.
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 | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BOROUGH OF HOWARD serves 1,001 people · EPA ID PA4140080 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2023 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 7 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.
Source: FCC Broadband Data Collection, based on 169 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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