314 Irwin St, Lock Haven, PA 17745 Property Records

Clinton County property record for 314 Irwin St, Lock Haven, PA 17745

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1970
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Tax Bill	$4,277 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`23-11675`

Property Details

APN / Parcel Number

Primary APN	`23-11675`
Alternative APN	`B-05-0073`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	984 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2003
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric

Location & Zoning

Account Number	B -05-0073
Street Address	314 IRWIN ST
City	LOCK HAVEN
State	PA
Zip	17745-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P/73 P/74 & P/75; 100 X 120
Jurisdiction	CLINTON PA
Township / Civil Division	LOCK HAVEN
Census Block Group	1
Census Block	1001
Census Tract	30701

Owner

314 Irwin St is owned and occupied by an individual who acquired it in February 2023.

Source: Clinton County records, as of April 20, 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 File
Mailing Address	314 IRWIN ST, LOCK HAVEN, PA 17745-2316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage HORIZON FEDERAL CREDIT UNION
Feb 17, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 16, 2023
Transfer Doc	0202300465
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Recording Date	Aug 25, 2026
Property Address	314 IRWIN ST, LOCK HAVEN, PA 17745-2316
Document Number	0000003231
Instrument Date	Aug 8, 2026
Instrument	20263231
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1219 PENNS CREEK RD, COBURN, PA 16832-7602

Mortgage

Document Number	0000003231,
Date	Aug 25, 2026
Instrument	20263231

Lender

Name	HORIZON FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 15, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLINTON PA
Recording Date	Feb 17, 2023
Property Address	314 IRWIN ST, LOCK HAVEN, PA 17745-2316
Document Number	0202300465
Instrument Date	Feb 14, 2023
Instrument	2023-00465
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 IRWIN ST, LOCK HAVEN, PA 17745-2316

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	314 IRWIN ST, LOCK HAVEN, PA 17745-2316

Tax Assessment & Valuation

The 2026 property tax bill for 314 Irwin St was $4,277 with a homeowner's exemption.

Source: Clinton County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Clinton County
Municipality	Lock Haven City
Unified School District	Keystone Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,277.00 Homeowner's exemption	$83,600 Land $14,900 Building $68,700
2023	$2,470.00	$83,600 Land $14,900 Building $68,700
2008			$83,600 Land $14,900 Building $68,700

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

Flood

FEMA maps place 314 Irwin St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 314 Irwin St is low, with a 0.01% 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	0.01% annual chance
Exposure	None beyond ember reach

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	SUBURBAN LOCK HAVEN WATER AUTH serves 9,700 people · EPA ID PA4180049
Water Source	Purchased surface water from CENT CLINTON CO WATER FIL AUTH
Last State Inspection	May 2026
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2021
Treatment and Procedure	Coliform assessment Jul 2021
Monitoring and Reporting	2 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 143 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
River Valley Internet Fixed Wireless	100 / 50

May also be available: T-Mobile.

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