318 E Main St, Bradford, PA 16701 Property Records

McKean County property record for 318 E Main St, Bradford, PA 16701

Property Summary

Property Type	Single Family Home
Details	1,400 sqft · built 1971
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$33,900 (Aug 2025)
Tax Bill	$1,939 (2026)
Deeds & Mortgages	Dec 2012 Second Mortgage Aug 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-008.-140.00`

Property Details

APN / Parcel Number

Primary APN	`06-008.-140.00`
Alternative APN	`004818`

Interior

Building Area	1,400 sqft Total Area

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	140 ft deep x 52 ft wide

Location & Zoning

Street Address	318 E MAIN ST
City	BRADFORD
State	PA
Zip	16701-1742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD CONTROL:0829-0553
Jurisdiction	MCKEAN PA
Township / Civil Division	BRADFORD
Census Block Group	2
Census Block	2042
Census Tract	420400

Owner

318 E Main St is owned and occupied by two individuals who bought it in August 2025.

Source: McKean County records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 13, 2012	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST SAVINGS BANK
Aug 29, 2025	Special Warranty Deed, Transfer · Stand-Alone First Mortgage HAMLIN BANK & TRUST COMPANY
Apr 26, 2024	Sheriff's Deed, Foreclosure
Oct 9, 2015	Deed, Transfer · Conventional Mortgage FIRST COMMONWEALTH BANK
Jun 1, 2010	Intrafamily Transfer, Transfer · Conventional Mortgage HAMLIN BANK AND TRUST CO
May 30, 2008	Deed, Transfer · Conventional Mortgage HAMLIN BANK AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2025 · Amount on File
Deed Sale	Aug 29, 2025 · Amount on File
Prior Sale	Apr 26, 2024 · Amount on File
Deed Document Number	20252785
Deed Book / Page	1091 / 304
Prior Transfer Date	May 21, 2010
Prior Transfer Doc	00659/0170
Record Updated	Sep 20, 2026

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00743/0566
Date	Dec 13, 2012
Book Page	743/0566
Instrument	201205663

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	119 Months
Due	Nov 28, 2022

August 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MCKEAN PA
Recording Date	Aug 29, 2025
Property Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Document Number	001091/304
Book / Page	1091 / 304
Instrument Date	Aug 26, 2025
Instrument	202502785
Transaction Type	Transfer
Record Updated	Apr 28, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$339.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 LIVINGSTON AVE, SAINT PAUL, MN 55107-2292

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	318 E MAIN ST, BRADFORD, PA 16701-1742

Mortgage

Document Number	0202502786
Date	Aug 29, 2025
Instrument	202502786

Lender

Name	HAMLIN BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Aug 29, 2035

April 2024: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MCKEAN PA
Recording Date	Apr 26, 2024
Property Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Document Number	001058/807
Book / Page	1058 / 807
Instrument Date	Apr 26, 2024
Instrument	202401307
Transaction Type	Foreclosure
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2800 TAMARACK RD, OWENSBORO, KY 42301-6566

October 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Oct 9, 2015
Property Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Document Number	00829/0553
Book / Page	829 / 0553
Instrument Date	Oct 2, 2015
Instrument	201504228
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 E MAIN ST, BRADFORD, PA 16701-1742

Mortgage

Document Number	0201504229
Date	Oct 9, 2015
Instrument	201504229

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2045

June 2010: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCKEAN PA
Recording Date	Jun 1, 2010
Property Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Document Number	00659/0170
Book / Page	659 / 0170
Instrument Date	May 21, 2010
Instrument	201002387
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 E MAIN ST, BRADFORD, PA 16701-1742

Mortgage

Document Number	0201002388
Date	Jun 1, 2010
Instrument	201002388

Lender

Name	HAMLIN BANK AND TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2025

May 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	May 30, 2008
Property Address	318 E MAIN ST, BRADFORD, PA 16701-1742
Document Number	00596/1191
Book / Page	596 / 1191
Instrument Date	May 28, 2008
Instrument	200802389
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00597/0001
Date	May 30, 2008
Book Page	597/0001
Instrument	200802390

Lender

Name	HAMLIN BANK AND TRUST CO
Address	SMETHPORT, PA 16749

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 30, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 318 E Main St was $1,939.

Source: McKean County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
Municipality	Bradford City
County	McKean County
Unified School District	Bradford Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,939.00	$35,520 (-) Land $12,000 Building $23,520
2025	$1,939.00 (+3.25%)	$35,520 (-) Land $12,000 Building $23,520
2024	$1,878.00	$35,520 Land $12,000 Building $23,520
1998			$35,520 Land $12,000 Building $23,520

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

Flood

FEMA maps place 318 E Main St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective December 22, 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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	7 (1979–2008)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Oct 2008 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 2 claims Pa, Aug 1999 · 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

Wildfire risk around 318 E Main 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	Indirect within 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	BRADFORD CITY WATER AUTHORITY serves 18,500 people · EPA ID PA6420014
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Apr 2025
Monitoring and Reporting	7 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 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: SkyPacket, T-Mobile, Verizon.

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