28 Lower Rd, Cochranton, PA 16314 Property Records

Mercer County property record for 28 Lower Rd, Cochranton, PA 16314

Property Summary

Property Type	Single Family Home
Details	484 sqft · built 1920
Lot Size	3.5 acres (152,460 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Feb 2024)
Tax Bill	$390 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Mar 2022 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07 037 007`

Property Details

APN / Parcel Number

Primary APN	`07 037 007`

Interior

Stories	1 Story
Building Area	484 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	152,460 sqft (3.5 acres)

Location & Zoning

Street Address	28 LOWER RD
City	COCHRANTON
State	PA
Zip	16314-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HS SH BR
Jurisdiction	MERCER PA
Township / Civil Division	FRENCH CREEK
Census Block Group	3
Census Block	3062
Census Tract	31800

Owner

Source: Mercer County records, as of April 9, 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	Individual Name on Record
Mailing Address	28 LOWER RD, COCHRANTON, PA 16314-3018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 28, 2022	Deed, Transfer · Line of Credit ANABAPTIST FINANCIAL
Oct 15, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2024 · Amount on Record
Deed Sale	Feb 22, 2024 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Document Number	20241110
Record Updated	Jun 8, 2026

February 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER PA
Recording Date	Feb 22, 2024
Property Address	28 LOWER RD, COCHRANTON, PA 16314-3018
Document Number	202400001110
Instrument Date	Feb 9, 2024
Instrument	2024-00001110
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 LOWER RD, COCHRANTON, PA 16314-3018

Mortgage

Document Number	202400001111
Date	Feb 22, 2024
Instrument	2024-00001111

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER PA
Recording Date	Mar 28, 2022
Property Address	28 LOWER RD, COCHRANTON, PA 16314-3018
Document Number	202200002870
Instrument Date	Mar 23, 2022
Instrument	2022-00002870
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3255 FRANKLIN PIKE, COCHRANTON, PA 16314-3327

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 CRANBERRY RD, SANDY LAKE, PA 16145-2518

Mortgage

Document Number	202200002871
Date	Mar 28, 2022
Instrument	2022-00002871

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MERCER PA
Recording Date	Oct 15, 2021
Property Address	28 LOWER RD, COCHRANTON, PA 16314-3018
Document Number	202100011521
Instrument Date	Oct 14, 2021
Instrument	2021-00011521
Transaction Type	Transfer
Record Updated	Apr 29, 2024

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3255 FRANKLIN PIKE, COCHRANTON, PA 16314-3327

Tax Assessment & Valuation

Source: Mercer County assessment roll, as of April 9, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Mercer County
County Subdivision	French Creek Township
Unified School District	Crawford Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$390.00 (+5.98%)	$9,000 (-) Land $1,500 Building $7,500
2024		$9,000 (-) Land $1,500 Building $7,500
2023	$368.00	$9,000 Land $1,500 Building $7,500
1974			$9,000 Land $1,500 Building $7,500

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 November 30, 2016 · 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
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2003 · Severe Storms, Tornadoes, And Flooding

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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