3 Upper Cove Rd, Washington, PA 15301 Property Records

Washington County property record for 3 Upper Cove Rd, Washington, PA 15301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,240 sqft · built 1988
Lot Size	5.25 acres (228,690 sqft)
Owner	Individual Name on File
Last Sale	$347,500 (Oct 2020)
Tax Bill	$5,742 (2026)
Deeds & Mortgages	May 2018 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`590-015-00-00-0002-01`

Property Details

APN / Parcel Number

Primary APN	`590-015-00-00-0002-01`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,240 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Frame
Lot Area	228,690 sqft (5.25 acres)
Terrain	Above Road/Slope
Garage Type	Basement
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3 UPPER COVE RD
City	WASHINGTON
State	PA
Zip	15301-9290
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.25 AC 2 STY LOG HSE/GARS
Legal Subdivision	CLARDON ACRES
Jurisdiction	WASHINGTON PA
Township / Civil Division	SOUTH FRANKLIN
Census Block Group	1
Census Block	1001
Census Tract	732000

Owner

3 Upper Cove Rd is owned and occupied by an individual who bought it in October 2020.

Source: Washington County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	3 UPPER COVE RD, WASHINGTON, PA 15301-9290
Occupancy	Owner Occupied
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

Date	Document
May 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON FINANCIAL BANK
Oct 7, 2020	Grant Deed, Transfer · Conventional with PMI FIRST SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2020 · Amount on File
Deed Sale	Oct 8, 2020 · Amount on File
Prior Sale	Sep 24, 2013 · Amount on File
Deed Document Number	202025196
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WASHINGTON PA
Property Address	3 UPPER COVE RD, WASHINGTON, PA 15301-9290
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010937
Date	May 8, 2018
Instrument	201810937

Lender

Name	WASHINGTON FINANCIAL BANK
Type	Bank
Address	WASHINGTON, PA 15301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 8, 2033

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WASHINGTON PA
Recording Date	Oct 7, 2020
Property Address	3 UPPER COVE RD, WASHINGTON, PA 15301-9290
Document Number	0000025196
Instrument Date	Sep 24, 2020
Instrument	25196
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	KEYMAX SETTLEMENT SERVICES LLC, KEYMAX SETTLEMENT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,475.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 UPPER COVE RD WASHINGTON PA 153019290, WASHINGTON, PA 15301-9290

Mortgage

Document Number	25197
Date	Oct 7, 2020
Instrument	25197

Lender

Name	FIRST SVGS BK
Type	Federal Savings Bank
Address	JEFFERSONVILLE, IN 47130

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 6, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3 Upper Cove Rd was $5,742, up % from the year before.

Source: Washington County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Washington County
County Subdivision	South Franklin Township
Unified School District	McGuffey School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,742.00 (+0.02%)	$318,100 (-) Land $58,500 Building $259,600	$318,100 Land $58,500 Building $259,600
2025	$5,741.00	$318,100 Land $58,500 Building $259,600
2023	$5,104.00	$306,400 (-) Land $58,500 Building $247,900
2022	$5,104.00	$306,400 Land $58,500 Building $247,900
2015			$318,100 Land $58,500 Building $259,600

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

Flood

FEMA maps place 3 Upper Cove Rd in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective June 1, 2026 · 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 Claims	13 (2004–2024)
Claims Outside the SFHA	8 of 13
Most Recent Claim	Apr 2024 · river or lake 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

Wildfire risk around 3 Upper Cove Rd is low, with a 0.03% 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	0.03% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fiber	980 / 880

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