23 E Water St, Lock Haven, PA 17745 Property Records

Clinton County property record for 23 E Water St, Lock Haven, PA 17745

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,869 sqft · built 1932
Lot Size	0.079 acres (3,441 sqft)
Owner	Individual Name on File
Last Sale	$126,000 (Aug 2020)
Tax Bill	$6,079 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone AH (high risk)
APN	`A-01-0018-Y`

Property Details

APN / Parcel Number

Primary APN	`A-01-0018-Y`
Alternative APN	`20-9778`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,869 sqft Living Area
Gross Area	5,581 sqft
1st Floor Area	1,551 sqft
Attic	Attic
Attic Area	1,318 sqft
Basement Area	989 sqft
Unfinished Basement	989 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	3,441 sqft (0.079 acres)
Lot Dimensions	100 ft deep x 34 ft wide
Garage Area	396 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water

Location & Zoning

Account Number	A -01-0018-Y
Street Address	23 E WATER ST
City	LOCK HAVEN
State	PA
Zip	17745-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SE POR; 34.5 X 100
Jurisdiction	CLINTON PA
Township / Civil Division	LOCK HAVEN
Census Block Group	5
Census Block	5026
Census Tract	30701

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Water Street District listed 1973 · 18 contributing resources · NRIS 73001618

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

23 E Water St is owned by an individual who bought it in August 2020.

Source: Clinton County records, as of April 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10 REISH LN, MILL HALL, PA 17751-8403
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on File
Deed Sale	Aug 31, 2020 · Amount on File
Deed Document Number	20203347
Record Updated	Jun 8, 2026

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLINTON PA
Recording Date	Aug 31, 2020
Property Address	23 E WATER ST, LOCK HAVEN, PA 17745-1316
Document Number	2020003347
Map Reference	MB A PG 296
Instrument Date	Aug 25, 2020
Instrument	2020-003347
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 REISL LANE, ROXBURY, PA 17251

Mortgage

Document Number	2020003348
Date	Aug 31, 2020
Instrument	2020-003348

Lender

Name	THE MUNCY BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 25, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 23 E Water St was $6,079.

Source: Clinton County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Clinton County
Municipality	Lock Haven City
Unified School District	Keystone Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,079.00	$118,800 Land $12,100 Building $106,700
2023	$3,312.00	$118,800 Land $12,100 Building $106,700
2008			$118,800 Land $12,100 Building $106,700

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

Flood

FEMA maps place 23 E Water St in Zone AH, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	557.9 ft
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	8 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

Wildfire risk around 23 E Water St is low, with less than 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 93% of the US · lower than 91% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LOCK HAVEN WATER DEPT serves 8,450 people · EPA ID PA4180048
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2016
Monitoring and Reporting	21 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 344 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
River Valley Internet Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20