2404 Mud Creek Rd, Troy, PA 16947 Property Records

Bradford County property record for 2404 Mud Creek Rd, Troy, PA 16947

Property Summary

Property Type	Rural Home
Details	3 bd · 4 ba · built 1983
Lot Size	70.6 acres (3,077,078 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,781 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`53-081.00-091-000-000`

Property Details

APN / Parcel Number

Primary APN	`53-081.00-091-000-000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Lot Area	3,077,078 sqft (70.6 acres)

Location & Zoning

Street Address	2404 MUD CREEK RD
City	TROY
State	PA
Zip	16947-9682
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	HOUSE & BARN
Jurisdiction	BRADFORD PA
Township / Civil Division	TROY
Census Block Group	4
Census Block	4035
Census Tract	950700

Owner

2404 Mud Creek Rd, a rural home, is owned and occupied by two individuals.

Source: Bradford County records, as of April 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2404 MUD CREEK RD, TROY, PA 16947-9682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2022	Warranty Deed, Transfer · Conventional Mortgage CITIZENS & NORTHERN BANK
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS & NORTHERN BANK
Dec 1, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS & NORTHERN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRADFORD PA
Recording Date	Jul 12, 2022
Property Address	2404 MUD CREEK RD, TROY, PA 16947-9682
Document Number	0202207436
Instrument Date	Jun 30, 2022
Instrument	202207436
Transaction Type	Transfer
Record Updated	Jul 20, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$589.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2750 MUD CREEK RD, 2750, TROY, PA 16947-9600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 MUD CREEK RD, TROY, PA 16947-9682

Mortgage

Document Number	0202207437
Date	Jul 12, 2022
Instrument	202207437

Lender

Name	CITIZENS & NORTHERN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 7, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD PA
Property Address	2404 MUD CREEK RD, TROY, PA 16947-9682
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202011607
Date	Dec 1, 2020
Instrument	202011607

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	119 Months
Due	Nov 20, 2030

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRADFORD PA
Property Address	2404 MUD CREEK RD, TROY, PA 16947-9682
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202011606
Date	Dec 1, 2020
Instrument	202011606

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Nov 20, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 2404 Mud Creek Rd was $3,781.

Source: Bradford County assessment roll, as of April 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bradford County
County Subdivision	Troy Township
Unified School District	Troy Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,781.00	$59,450
2024	$3,441.00	$59,450
1999			$208,147

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

Flood

FEMA maps place 2404 Mud Creek Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 21, 2024 · 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (2011–2018)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2018 · Severe Storms And Flooding
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

Wildfire risk around 2404 Mud Creek Rd is low, with a 0.02% 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	0.02% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Cable	2,000 / 40
Tri-Co Connections Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Mud Creek Rd

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