225 Old State Rd, Covington, PA 16917 Property Records

Tioga County property record for 225 Old State Rd, Covington, PA 16917

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 1,840 sqft · built 1908
Lot Size	11 acres (479,596 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jun 2020)
Tax Bill	$2,504 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2008 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`07/02.00/099./000`

Property Details

APN / Parcel Number

Primary APN	`07/02.00/099./000`
Alternative APN	`00003242`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,840 sqft Living Area
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Composition/Composite
Lot Area	479,596 sqft (11 acres)
Garage Type	Detached
Garage Area	288 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00003242
Street Address	225 OLD STATE RD
City	COVINGTON
State	PA
Zip	16917-9582
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	TIOGA PA
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1007
Census Tract	950500

Owner

Source: Tioga County records, as of April 22, 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	635 HEMLOCK HILL RD, COVINGTON, PA 16917-9431
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS COMMUNITY BANK
Jan 14, 2008	Deed of Trust, Mortgage · USDA Mortgage USDA
May 10, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS COMMUNITY BANK
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS & NORTHERN BANK
Jun 4, 2020	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2020 · Amount on Record
Deed Sale	Jun 4, 2020 · Amount on Record
Deed Document Number	20203634
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Recording Date	Apr 13, 2026
Property Address	225 OLD STATE RD, COVINGTON, PA 16917-9582
Document Number	0000003455
Instrument Date	Apr 13, 2026
Instrument	20263455
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 OLD STATE RD, COVINGTON, PA 16917-9582

Mortgage

Document Number	0000003455,
Date	Apr 13, 2026
Instrument	20263455

Lender

Name	FIRST CITIZENS COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Property Address	225 OLD STATE RD, COVINGTON, PA 16917-9582
Transaction Type	Mortgage
Record Updated	Jan 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00775/0987
Date	Jan 14, 2008
Book Page	775/0987
Instrument	200800301

Lender

Name	USDA
Type	Government Agency
Address	WASHINGTON, DC 20250

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 14, 2009

Interest

Rate	3.75%

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Property Address	225 OLD STATE RD, COVINGTON, PA 16917-9582
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	635 HEMLOCK HILL RD, COVINGTON, PA 16917-9431

Mortgage

Document Number	0202303548
Date	May 10, 2023
Instrument	202303548

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Property Address	225 OLD STATE RD, COVINGTON, PA 16917-9582
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201908782
Date	Nov 21, 2019
Instrument	201908782

Lender

Name	CITIZENS & NORTHERN BANK
Type	Bank
Address	WELLSBORO, PA 16901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Dec 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	10%

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	TIOGA PA
Recording Date	Jun 4, 2020
Property Address	225 OLD STATE RD, COVINGTON, PA 16917-9582
Document Number	202003634
Instrument Date	May 29, 2020
Instrument	202003634
Transaction Type	Transfer
Record Updated	May 14, 2021

Transaction

Amount	Amount Recorded
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 OLD STATE RD, 225, COVINGTON, PA 16917-9582

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	635 HEMLOCK HILL RD, COVINGTON, PA 16917-9431

Tax Assessment & Valuation

Source: Tioga County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Tioga County
County Subdivision	Covington Township
Unified School District	Southern Tioga School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,504.00 (-34.96%)	$160,610 (-0.88%) Land $34,110 Building $126,500
2024	$3,850.00	$162,030 Land $35,530 Building $126,500
2023			$175,030 Land $48,530 Building $126,500

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 September 2, 2021 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (2010–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2024 · Tropical Storm Debby
Claims by Event	Severe Storms And Flooding, Aug 2018 · 2 claims

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	0.03% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Xtreme5G Fixed Wireless	50 / 10
Empire Long Distance DSL	25 / 3

Cell Coverage

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

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