Erie County property record for 228 E 3rd St, Waterford, PA 16441
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,112 sqft · built 1925 |
| Lot Size | 0.294 acres (12,789 sqft) |
| Owner | Individual Name on File |
| Last Sale | $75,900 (Oct 2003) |
| Tax Bill | $3,570 (2026) |
| Deeds & Mortgages | Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 46-007-031.0-009.00 |
| Primary APN | 46-007-031.0-009.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,112 sqft Living Area |
| 1st Floor Area | 1,358 sqft |
| Basement Area | 1,358 sqft |
| Unfinished Basement | 1,358 sqft |
| Family Room | Family Room |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 12,789 sqft (0.294 acres) |
| Lot Dimensions | 155 ft deep x 82 ft wide |
| Terrain | Rolling |
| Porch | Slab |
| Porch Area | 200 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 228 E 3RD ST |
|---|---|
| City | WATERFORD |
| State | PA |
| Zip | 16441-9753 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B2 |
| Legal Description | 228 E 3 ST 82.5 X 155 |
| Jurisdiction | ERIE PA |
| Township / Civil Division | WATERFORD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 12100 |
228 E 3rd St is owned and occupied by an individual who acquired it in June 2014.
Source: Erie County records, as of July 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 228 E 3RD ST, WATERFORD, PA 16441-9753 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 21, 2003 · Amount on File |
| Deed Sale | Oct 21, 2003 · Amount on File |
| Deed Document Number | 200356461 |
| Deed Book / Page | 1078 / 796 |
| Last Transfer Date | Jun 17, 2014 |
| Transfer Doc | 0000016513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE PA |
| Property Address | 228 E 3RD ST, WATERFORD, PA 16441-9753 |
| Document Number | 0000007727 |
| Instrument Date | Apr 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 228 E3RD ST WATERFORD PA 16441, WATERFORD, PA 16441 |
| Document Number | 0000007727 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 7727 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 29, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 228 E 3rd St was $3,570 with a homeowner's exemption, up 13.1% from the year before.
Source: Erie County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Erie County |
| Municipality | Waterford Borough |
| Unified School District | Fort LeBoeuf School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,570.00 (+13.08%) Homeowner's exemption | $139,510 Land $29,800 Building $109,710 | |
| 2025 | $3,157.00 | ||
| 2024 | $139,510 Land $29,800 Building $109,710 | ||
| 2023 | $2,863.00 Homeowner's exemption | ||
| 2013 | $139,510 Land $29,800 Building $109,710 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 228 E 3rd St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 6, 2017 · 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 | 2 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.
Wildfire risk around 228 E 3rd St is low, with a 0.01% annual chance of 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 | 0.01% 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 | WATERFORD MUNICIPAL AUTHORITY serves 1,700 people · EPA ID PA6250065 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Water Quality | Treatment failure resolved · Jan 2022 |
|---|---|
| Treatment and Procedure | Sanitary survey deficiency not corrected currently in violation since Jan 2026 Coliform assessment Oct 2018 |
| Monitoring and Reporting | 11 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 301 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
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