228 Mountain Top Rd, Howard, PA 16841 Property Records

Centre County property record for 228 Mountain Top Rd, Howard, PA 16841

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,061 sqft · built 2015
Lot Size	59.4 acres (2,588,771 sqft)
Owner	Individual Name on File
Last Sale	$487,000 (Apr 2024)
Tax Bill	$3,647 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-004-,034-,0000`

Property Details

APN / Parcel Number

Primary APN	`04-004-,034-,0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,061 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	2,588,771 sqft (59.4 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected
Water Source	Well

Location & Zoning

Street Address	228 MOUNTAIN TOP RD
City	HOWARD
State	PA
Zip	16841-2627
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Jurisdiction	CENTRE PA
Township / Civil Division	LIBERTY
Census Block Group	2
Census Block	2012
Census Tract	10100

Owner

Source: Centre County records · APN 04-004-,034-,0000

Assessment roll updated April 13, 2026 · Last verified May 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 File
Mailing Address	228 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK
Apr 03, 2024	Deed, Transfer
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 03, 2024 · Amount on Record
Deed Sale	Apr 03, 2024 · Amount on Record
Deed Book / Page	2317 / 226
Prior Transfer Date	Jan 29, 2007
Prior Transfer Doc	01982/0611
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Recording Date	Apr 22, 2026
Property Address	228 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Document Number	2344000050
Book / Page	2344 / 50
Instrument Date	Apr 10, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Investor	Possibly a Property Investor

Mortgage

Document Number	2344000050,
Date	Apr 22, 2026
Book Page	2344/50

Lender

Name	FIRST COMMONWEALTH BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

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

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CENTRE PA
Recording Date	Apr 03, 2024
Property Address	228 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Document Number	002317/226
Book / Page	2317 / 226
Instrument Date	Mar 25, 2024
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Amount	Amount Recorded
Tax	$4,870.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Investor	Possibly a Property Investor

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	228 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Transaction Type	Mortgage
Record Updated	Feb 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 GLENWOOD RD, WHEELING, WV 26003-6616

Mortgage

Document Number	002286/756
Date	Jan 13, 2022
Book Page	2286/756

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	BEECH CREEK, PA 16822

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Centre County records · Assessment roll updated April 13, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Centre County
County Subdivision	Liberty Township
Unified School District	Keystone Central School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,647.00 (-11.78%)	$61,890 (-19.96%) Land $7,245 Building $54,645
2025			$114,570 (-25.92%) Land $14,490 Building $100,080
2024	$4,134.00	$77,325 Land $27,285 Building $50,040
1994			$154,650 Land $54,570 Building $100,080

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 1, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (1996–2026)
Most Recent Claim	Sep 2026 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 91% of Pennsylvania
Wildfire Likelihood	0.04% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Verizon.

Based on FCC filings for 5 locations within half a mile of this property.

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