409 Pepper St, Muncy, PA 17756 Property Records

Lycoming County property record for 409 Pepper St, Muncy, PA 17756

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,107 sqft · built 1939
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$59,600 (Feb 2015)
Tax Bill	$1,171 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Jan 2022 Second Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`40-004-219`

Property Details

APN / Parcel Number

Primary APN	`40-004-219`
Alternative APNs	`40+,004.0-0219.00-000+` `404219`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,107 sqft Living Area
Basement Area	832 sqft
Unfinished Basement	832 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Concrete Block
Lot Area	25,265 sqft (0.58 acres)
Lot Dimensions	180 ft deep x 140 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 PEPPER ST
City	MUNCY
State	PA
Zip	17756-1610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4AGR
Jurisdiction	LYCOMING PA
Township / Civil Division	MUNCY CREEK
Census Block Group	4
Census Block	4030
Census Tract	10800

Owner

409 Pepper St is owned and occupied by an individual who bought it in February 2015.

Source: Lycoming County records, as of May 7, 2026

Owner of Record	Individual Name on File
Mailing Address	409 PEPPER ST, MUNCY, PA 17756-1610
Occupancy	Owner Occupied
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
Apr 20, 2018	Deed of Trust, Mortgage PALCO FCU
Jan 27, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PALCO FCU
Jun 1, 2023	Deed of Trust, Mortgage · Line of Credit SERVICE 1ST FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2015 · Amount on File
Deed Sale	Feb 25, 2015 · Amount on File
Deed Document Number	20152195
Deed Book / Page	8551 / 92
Prior Transfer Date	Mar 14, 2011
Prior Transfer Doc	007249/282
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYCOMING PA
Property Address	409 PEPPER ST, MUNCY, PA 17756-1610
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09158/0743
Date	Apr 20, 2018
Book Page	9158/0743
Instrument	201800004441

Lender

Name	PALCO FCU
Type	Credit Union
Address	MUNCY, PA 17756

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 5, 2028

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYCOMING PA
Property Address	409 PEPPER ST, MUNCY, PA 17756-1610
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09272/2394
Date	Jan 27, 2022
Book Page	9272/2394
Instrument	202200001128

Lender

Name	PALCO FCU
Type	Credit Union
Address	MUNCY, PA 17756

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 19, 2032

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYCOMING PA
Property Address	409 PEPPER ST, MUNCY, PA 17756-1610
Transaction Type	Mortgage
Record Updated	Sep 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	09308/2177
Date	Jun 1, 2023
Book Page	9308/2177
Instrument	202300005470

Lender

Name	SERVICE 1ST FCU
Type	Credit Union
Address	DANVILLE, PA 17821

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 31, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 409 Pepper St was $1,171, up 2% from the year before.

Source: Lycoming County assessment roll, as of May 7, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lycoming County
County Subdivision	Muncy Creek Township
Unified School District	Muncy School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,171.00 (+2%)	$47,410 (-) Land $21,310 Building $26,100
2025	$1,148.00	$47,410 (-) Land $21,310 Building $26,100
2024	$1,148.00	$47,410 (-) Land $21,310 Building $26,100
2023	$1,148.00	$47,410 Land $21,310 Building $26,100
2004			$47,410 Land $21,310 Building $26,100

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

Flood

FEMA maps place 409 Pepper St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 18, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	68 (1978–2011)
Claims Outside the SFHA	12 of 68
Most Recent Claim	Sep 2011 · Tropical Storm Lee
Claims by Event	Tropical Storm Lee, Sep 2011 · 19 claims Tropical Depression Ivan, Sep 2004 · 15 claims Severe Storms And Flooding, Jan 1996 · 17 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 409 Pepper 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	MUNCY BOROUGH WATER COMPANY serves 2,900 people · EPA ID PA4410165
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	890 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: River Valley Internet.

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