Bradford County property record for 32 3rd St, Towanda, PA 18848
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · built 1906 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $148,930 (May 2020) |
| Tax Bill | $2,355 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage May 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-086.04-115-000-000 |
| Primary APN | 48-086.04-115-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Year Built | Built 1906 |
|---|---|
| Effective Year Built | Effective 1906 |
| Architectural Style | Conventional |
| Lot Area | 13,939 sqft (0.32 acres) |
| Street Address | 32 3RD ST |
|---|---|
| City | TOWANDA |
| State | PA |
| Zip | 18848-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE W/ATTCH CP & GARAGE |
| Jurisdiction | BRADFORD PA |
| Township / Civil Division | TOWANDA |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 951000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Towanda Historic District listed 1992 · 441 contributing resources · NRIS 92000394 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Bradford County records, as of April 27, 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 | 32 3RD ST, TOWANDA, PA 18848-1738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 2, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNSYLVANIA HOUSING FINANCE AGENCY |
| May 5, 2020 | Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Feb 18, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2020 · Amount on Record |
| Deed Sale | May 5, 2020 · Amount on Record |
| Deed Document Number | 20203906 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD PA |
| Property Address | 32 3RD ST, TOWANDA, PA 18848-1738 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 32 THIRD ST, TOWANDA, PA 18848-1738 |
| Document Number | 0202309837 |
|---|---|
| Date | Oct 2, 2023 |
| Instrument | 202309837 |
| Name | PENNSYLVANIA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | HARRISBURG, PA 17105 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | May 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRADFORD PA |
| Recording Date | May 5, 2020 |
| Property Address | 32 3RD ST, TOWANDA, PA 18848-1738 |
| Document Number | 0202003906 |
| Instrument Date | Apr 29, 2020 |
| Instrument | 202003906 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 32 3RD ST, 32, TOWANDA, PA 18848-1738 |
| Name | Verified Name |
|---|---|
| Address | 200 CAMPBELL RD, TOWANDA, PA 18848-9167 |
| Document Number | 0202003907 |
|---|---|
| Date | May 5, 2020 |
| Instrument | 202003907 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD PA |
| Property Address | 32 3RD ST, TOWANDA, PA 18848-1738 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2020 |
| Name | Verified Name |
|---|
| Document Number | 202001517 |
|---|---|
| Date | Feb 18, 2020 |
| Instrument | 202001517 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MANSFIELD, PA 16933 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 11, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Bradford County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bradford County |
| Municipality | Towanda Borough |
| Unified School District | Towanda Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,355.00 (+4.39%) | $27,250 (-) | |
| 2024 | $2,256.00 | $27,250 | |
| 1999 | $54,522 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1981–2011) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2011 · Tropical Storm Lee |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWANDA MUNICIPAL AUTHORITY serves 5,000 people · EPA ID PA2080029 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Nov 2024 |
| Lead | 8 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Feb 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 21 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.
Source: FCC Broadband Data Collection, based on 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Xfinity Cable | 1,200 / 35 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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