401 E Main St, Bradford, PA 16701 Property Records

McKean County property record for 401 E Main St, Bradford, PA 16701

Property Summary

Property Type	Apartments (5+ Units)
Details	2,436 sqft · built 1900
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Feb 2022)
Tax Bill	$2,692 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-012.-111.02`

Property Details

APN / Parcel Number

Primary APN	`06-012.-111.02`
Alternative APN	`004961`

Interior

Building Area	2,436 sqft Total Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	123 ft deep x 22 ft wide

Location & Zoning

Street Address	401 E MAIN ST
City	BRADFORD
State	PA
Zip	16701-1746
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	OLD CONTROL:0989-0954
Jurisdiction	MCKEAN PA
Township / Civil Division	BRADFORD
Census Block Group	2
Census Block	2028
Census Tract	420400

Owner

401 E Main St, a residential property, is owned by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	35 SOUTHGATE RD, BRADFORD, PA 16701-2751
Owner Type	Individual

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
Aug 18, 2020	Deed of Trust, Mortgage · Commercial Mortgage CNB BANK
Feb 4, 2022	Deed, Transfer · Stand-Alone First Mortgage CNB BANK
Sep 20, 2021	Correction Deed
Feb 15, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2022 · Amount on File
Deed Sale	Feb 4, 2022 · Amount on File
Deed Document Number	2022485
Deed Book / Page	1001 / 299
Prior Transfer Date	Feb 3, 2022
Prior Transfer Doc	001001/299
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	401 E MAIN ST, BRADFORD, PA 16701-1746
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000954/803
Date	Aug 18, 2020
Book Page	954/803
Instrument	202002503

Lender

Name	CNB BANK
Type	Bank
Address	BRADFORD, PA 16701

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Feb 4, 2022
Property Address	401 E MAIN ST, BRADFORD, PA 16701-1746
Document Number	001001/299
Book / Page	1001 / 299
Instrument Date	Jan 21, 2022
Instrument	202200485
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,800.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	73 EAST LAKE STREET #30043004, 30043004, CHICAGO, RI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202200486
Date	Feb 4, 2022
Instrument	202200486

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	MCKEAN PA
Recording Date	Sep 20, 2021
Property Address	401 E MAIN ST, BRADFORD, PA 16701-1746
Document Number	000989/954
Book / Page	989 / 954
Instrument Date	Aug 26, 2021
Instrument	202103980
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	73 E LAKE ST APT 3004, 3004, CHICAGO, IL 60601-5973

February 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCKEAN PA
Recording Date	Feb 15, 2017
Property Address	401 E MAIN ST, BRADFORD, PA 16701-1746
Document Number	00866/0655
Book / Page	866 / 0655
Instrument Date	Feb 14, 2016
Instrument	201700634
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 HARBORSIDE PL APT 412, 412, JERSEY CITY, NJ 07311-3917

Tax Assessment & Valuation

The 2026 property tax bill for 401 E Main St was $2,692.

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	$2,692.00	$49,300 (-) Land $4,500 Building $44,800
2025	$2,692.00 (+3.26%)	$49,300 (-) Land $4,500 Building $44,800
2024	$2,607.00	$49,300 Land $4,500 Building $44,800
1998			$49,300 Land $4,500 Building $44,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 401 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 401 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 258 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, Verizon.

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