3119 Cherry Flats Rd, Covington, PA 16917 Property Records

Tioga County property record for 3119 Cherry Flats Rd, Covington, PA 16917

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,208 sqft · built 1972
Lot Size	3.38 acres (147,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Nov 2025)
Tax Bill	$5,880 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07/03.00/016A/1/000`

Property Details

APN / Parcel Number

Primary APN	`07/03.00/016A/1/000`
Alternative APN	`00003422`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,208 sqft Living Area
Basement Area	1,760 sqft
Unfinished Basement	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Lot Area	147,233 sqft (3.38 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Geothermal
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	00003422
Street Address	3119 CHERRY FLATS RD
City	COVINGTON
State	PA
Zip	16917-9798
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	TIOGA PA
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1077
Census Tract	950500

Owner

Source: Tioga County records, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2181 GROVER RD, CANTON, PA 17724-7159
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 24, 2025	Deed, Transfer · Conventional Mortgage GUTHRIE COMMUNITY CREDIT UNION
Jun 26, 2020	Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Jun 26, 2020 · Amount on Record
Deed Document Number	202510452
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TIOGA PA
Property Address	3119 CHERRY FLATS RD, COVINGTON, PA 16917-9798
Transaction Type	Mortgage
Record Updated	Jan 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3119 CHERRY FLATS RD, COVINGTON, PA 16917-9798

Mortgage

Document Number	0202301977
Date	Mar 14, 2023
Instrument	202301977

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Mar 17, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	Nov 24, 2025
Property Address	3119 CHERRY FLATS RD, COVINGTON, PA 16917-9798
Document Number	0202510452
Instrument Date	Nov 7, 2025
Instrument	202510452
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62 HARRY AVE, READING, PA 19607-9764

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3119 CHERRY FLATS RD, COVINGTON, PA 16917-9798

Mortgage

Document Number	0202510453
Date	Nov 24, 2025
Instrument	202510453

Lender

Name	GUTHRIE COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	TIOGA PA
Recording Date	Jun 26, 2020
Property Address	3119 CHERRY FLATS RD, COVINGTON, PA 16917-9798
Document Number	0202004231
Instrument Date	Jun 19, 2020
Instrument	202004231
Transaction Type	Transfer
Record Updated	Jan 15, 2026
Title Company	PREMIER ABSTRACT AND SEARCH, PREMIER ABSTRACT & SETMNT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,598.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	326 APPLE HILL LN, CENTRE HALL, PA 16828-9257

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	72 1 2 EAST AVENUE, WELLSBORO, PA 16901

Mortgage

Document Number	0202004232
Date	Jun 26, 2020
Instrument	202004232

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Tioga County assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Tioga County
County Subdivision	Covington Township
Unified School District	Southern Tioga School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,880.00 (+1.05%)	$377,170 (-) Land $30,950 Building $346,220
2025	$5,819.00 (-35.07%)	$377,170 (-) Land $30,950 Building $346,220
2024	$8,962.00	$377,170 Land $30,950 Building $346,220
2023			$377,170 Land $30,950 Building $346,220

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 2, 2021 · 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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	7 (2010–2024)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Aug 2024 · Tropical Storm Debby
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 83% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Xtreme5G Fixed Wireless	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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