397 Bear Gap Rd, Elysburg, PA 17824 Property Records

Columbia County property record for 397 Bear Gap Rd, Elysburg, PA 17824 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1,620 sqft · built 1934
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Aug 2019)
Tax Bill	$1,842 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2022 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`13,10-009-00,000`

Property Details

APN / Parcel Number

Primary APN	`13,10-009-00,000`

Interior

Building Area	1,620 sqft Living Area

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Lot Area	65,340 sqft (1.5 acres)

Location & Zoning

Street Address	397 BEAR GAP RD
City	ELYSBURG
State	PA
Zip	17824-9119
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	COLUMBIA PA
Township / Civil Division	CLEVELAND
Census Block Group	4
Census Block	4072
Census Tract	51500

Owner

Source: Columbia County records · APN 13,10-009-00,000

Assessment roll updated April 16, 2026 · Last verified April 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 File
Mailing Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Deed of Trust, Mortgage · Line of Credit THE NORTHUMBERLAND NATIONAL BANK
Jul 21, 2022	Deed of Trust, Mortgage THE NORTHUMBERLAND NATIONAL BANK
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COLUMBIA BK&TR
Aug 22, 2019	Grant Deed, Transfer · Conventional with PMI FIRST COLUMBIA BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 22, 2019 · Amount on Record
Deed Sale	Aug 22, 2019 · Amount on Record
Prior Sale	Jun 02, 1993 · Amount on Record
Deed Document Number	20196485
Record Updated	Jun 08, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA PA
Property Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119
Transaction Type	Mortgage
Record Updated	Aug 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119

Mortgage

Document Number	0000006864
Date	Jul 21, 2022
Instrument	202206864

Lender

Name	THE NORTHUMBERLAND NATIONAL BANK
Type	Bank
Address	NORTHUMBERLAND, PA 17857

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA PA
Property Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119
Transaction Type	Mortgage
Record Updated	Aug 03, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119

Mortgage

Document Number	0000006863
Date	Jul 21, 2022
Instrument	202206863

Lender

Name	THE NORTHUMBERLAND NATIONAL BANK
Type	Bank
Address	NORTHUMBERLAND, PA 17857

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Jul 19, 2032

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COLUMBIA PA
Property Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119
Document Number	0000007455
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 BEAR GAP RD ELYSBURG PA 178249119, ELYSBURG, PA 17824-9119

Mortgage

Document Number	0000007455
Date	Sep 26, 2019
Instrument	7455

Lender

Name	FIRST COLUMBIA BK&TR
Type	Bank
Address	BLOOMSBURG, PA 17815

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 25, 2044

Interest

Rate Type	Adjustable Rate

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	COLUMBIA PA
Recording Date	Aug 22, 2019
Property Address	397 BEAR GAP RD, ELYSBURG, PA 17824-9119
Document Number	0000006485
Instrument Date	Aug 22, 2019
Instrument	6485
Transaction Type	Transfer
Record Updated	Sep 09, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	397 BEAR GAP RD ELYSBURG PA 178249119, ELYSBURG, PA 17824-9119

Mortgage

Document Number	6486
Date	Aug 22, 2019
Instrument	6486

Lender

Name	FIRST COLUMBIA BK&TR
Type	Bank
Address	BLOOMSBURG, PA 17815

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Columbia County records · Assessment roll updated April 16, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Columbia County
County Subdivision	Cleveland Township
Unified School District	Southern Columbia Area School District (KG - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,842.00 (+5.92%)	$22,782 (-)
2024	$1,739.00 (+8.55%)	$22,782 (-) Land $5,945 Building $16,837
2023	$1,602.00	$22,782 Land $5,945 Building $16,837
1992			$45,563 (-) Land $11,890 Building $33,673
1974			$45,563 Land $11,890 Building $33,673

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Columbia County (42037C), updated August 30, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 420370515004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 12 individual NFIP policies nearby
Nearby Flood Policies	12 in force
Nearby Flood Claims	24 (1996–2021)
Claims Outside the SFHA	7 of 24
Most Recent Claim	Sep 2021, rainfall accumulation
Claims By Storm	Tropical Storm Lee, Sep 2011 · 11 claims Severe Storms, Flooding, And Mudslides, Jun 2006 · 5 claims Tropical Depression Ivan, Sep 2004 · 2 claims

Wildfire

Wildfire Risk	Low above 35% of the US · above 84% of Pennsylvania
Wildfire Likelihood	About 1 in 2,941 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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