251 E Main St, Howard, PA 16841 Property Records

Centre County property record for 251 E Main St, Howard, PA 16841

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,192 sqft · built 1950
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Apr 2024)
Tax Bill	$1,929 (2026)
Deeds & Mortgages	Jul 2017 Line of Credit Feb 2018 Mortgage + 10 more
Flood Zone	Zone X (moderate risk)
APN	`08-005A,015-,0000`

Property Details

APN / Parcel Number

Primary APN	`08-005A,015-,0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,192 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Wood
Lot Area	16,117 sqft (0.37 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	251 E MAIN ST
City	HOWARD
State	PA
Zip	16841-3523
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	CENTRE PA
Township / Civil Division	HOWARD
Census Block Group	3
Census Block	3003
Census Tract	10100

Owner

Source: Centre County records, as of April 13, 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	251 E MAIN ST, HOWARD, PA 16841-3523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit PSECU
Feb 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage PSECU
Mar 23, 2017	Deed of Trust, Mortgage · Line of Credit PSECU
Nov 13, 2017	Deed of Trust, Mortgage · Line of Credit PSECU
Dec 4, 2020	Deed of Trust, Mortgage · Line of Credit PSECU
May 31, 2016	Deed of Trust, Mortgage RICHARD J PAYNE
Oct 27, 2016	Deed of Trust, Mortgage · Line of Credit PSECU
Aug 11, 2006	Deed of Trust, Mortgage SUNTRUST MORTGAGE INC
Apr 16, 2024	Deed, Transfer · FHA Mortgage NEWREZ LLC
May 19, 2016	Deed, Transfer
Nov 6, 2015	Sheriff's Deed, Foreclosure
Apr 22, 2005	Intrafamily Transfer, Transfer · Stand-Alone Refinance FIRST NATIONAL BANK OF ARIZONA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	May 19, 2016 · Amount on Record
Deed Book / Page	2317 / 648
Prior Transfer Date	Apr 5, 2005
Prior Transfer Doc	01814/0862
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02202/0257
Date	Jul 18, 2017
Book Page	2202/0257

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 17, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02211/0551
Date	Feb 8, 2018
Book Page	2211/0551

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2028

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02196/0308
Date	Mar 23, 2017
Book Page	2196/0308

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02207/0939
Date	Nov 13, 2017
Book Page	2207/0939
Instrument	2207-0939

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002262/422
Date	Dec 4, 2020
Book Page	2262/422

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02181/0329
Date	May 31, 2016
Book Page	2181/0329

Lender

Name	RICHARD J PAYNE
Type	Private Party
Address	710 WEAVER HILL RD, BELLEFONTE, PA 16823

Agreement

Amount	Amount Recorded

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02189/0409
Date	Oct 27, 2016
Book Page	2189/0409

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 26, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Transaction Type	Mortgage
Record Updated	Apr 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01970/0145
Date	Aug 11, 2006
Book Page	1970/0145

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	901 SEMMES AVE, RICHMOND, VA 23224

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2036

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CENTRE PA
Recording Date	Apr 16, 2024
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Document Number	002317/648
Book / Page	2317 / 648
Instrument Date	Apr 16, 2024
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	251 E MAIN ST, HOWARD, PA 16841-3523

Mortgage

Document Number	0023170649
Date	Apr 16, 2024
Instrument	2317-0649

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Change Frequency	10 Years

May 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	CENTRE PA
Recording Date	May 19, 2016
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Document Number	02180/0688
Book / Page	2180 / 0688
Instrument Date	May 3, 2016
Transaction Type	Transfer
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Tax	$399.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	699 WEAVER HILL RD, BELLEFONTE, PA 16823-6912

November 2015: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CENTRE PA
Recording Date	Nov 6, 2015
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Document Number	02171/0753
Book / Page	2171 / 0753
Instrument Date	Nov 5, 2015
Transaction Type	Foreclosure
Record Updated	Apr 13, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 650043, DALLAS, TX 75265-0043
Investor	Possibly a Property Investor

April 2005: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CENTRE PA
Recording Date	Apr 22, 2005
Property Address	251 E MAIN ST, HOWARD, PA 16841-3523
Document Number	01814/0862
Book / Page	1814 / 0862
Instrument Date	Apr 5, 2005
Instrument	001487
Transaction Type	Transfer
Record Updated	Apr 13, 2026
Title Company	TWO RIVERERS TITLE, TWO RIVERS TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 E MAIN ST, HOWARD, PA 16841-3523

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 E MAIN ST, HOWARD, PA 16841-3523

Mortgage

Document Number	0018140869
Date	Apr 22, 2005
Instrument	1814/0869

Lender

Name	FIRST NATIONAL BANK OF ARIZONA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2035

Tax Assessment & Valuation

Source: Centre County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Centre County
County Subdivision	Howard Township
Unified School District	Bald Eagle Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,929.00 (+1.96%)	$26,345 (-) Land $5,000 Building $21,345
2025			$52,690 (-) Land $10,000 Building $42,690
2024	$1,892.00	$26,345 Land $5,000 Building $21,345
1994			$52,690 Land $10,000 Building $42,690

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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.

Drinking Water

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

Water System	BOROUGH OF HOWARD serves 1,001 people · EPA ID PA4140080
Water Source	Groundwater
Last State Inspection	Jul 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 169 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
T-Mobile Fixed Wireless	100 / 20