298 Mountain Top Rd, Howard, PA 16841 Property Records

Centre County property record for 298 Mountain Top Rd, Howard, PA 16841

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,900 sqft · built 1981
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual Name on Record
Last Sale	$730,000 (Jul 2022)
Tax Bill	$5,009 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-004-,034A,0000`

Property Details

APN / Parcel Number

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

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	3,900 sqft Living Area
Basement Area	576 sqft
Finished Basement	576 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	71,438 sqft (1.64 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected
Water Source	Well

Location & Zoning

Street Address	298 MOUNTAIN TOP RD
City	HOWARD
State	PA
Zip	16841-2627
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	CENTRE PA
Township / Civil Division	LIBERTY
Census Block Group	2
Census Block	2012
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	298 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Jul 28, 2020	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2022 · Amount on Record
Deed Sale	Jul 19, 2022 · Amount on Record
Prior Sale	Apr 28, 1983 · Amount on Record
Deed Book / Page	2295 / 996
Record Updated	Jun 8, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CENTRE PA
Recording Date	Jul 19, 2022
Property Address	298 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Document Number	002295/996
Book / Page	2295 / 996
Map Reference	MB 31 PG 179
Instrument Date	Jun 28, 2022
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	UNIVERSAL SETTLEMENT SERVICES/PA L, UNIVERSAL STLMT SVCS OF PA L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,300.00
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 by the Entirety
Address	298 MOUNTAIN TOP RD, HOWARD, PA 16841-2627

Mortgage

Document Number	0022950997
Date	Jul 19, 2022
Instrument	2295-0997

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	298 MOUNTAIN TOP RD, HOWARD, PA 16841-2627
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2254/96
Date	Jul 28, 2020
Book Page	2254/96

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,009.00 (+10.23%)	$84,985 (-) Land $6,405 Building $78,580
2025			$169,970 (-) Land $12,810 Building $157,160
2024	$4,544.00	$84,985 Land $6,405 Building $78,580
1994			$169,970 Land $12,810 Building $157,160

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 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

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 66% of the US · above 81% of Pennsylvania
Wildfire Likelihood	0.04% 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 5 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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