Clinton County property record for 421 James St, Lock Haven, PA 17745
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,792 sqft · built 1953 |
| Lot Size | 0.289 acres (12,589 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Apr 2026) |
| Tax Bill | $1,879 (2026) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-5231 |
| Primary APN | 11-5231 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| Gross Area | 2,962 sqft |
| 1st Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Unfinished Basement | 896 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Cape Cod |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 12,589 sqft (0.289 acres) |
| Cooling System | None |
|---|---|
| Heating System | Other |
| Account Number | A -E -B |
|---|---|
| Street Address | 421 JAMES ST |
| City | LOCK HAVEN |
| State | PA |
| Zip | 17745-3039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1B |
| Jurisdiction | CLINTON PA |
| Township / Civil Division | FLEMINGTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 30500 |
421 James St is owned and occupied by two individuals who bought it in April 2026.
Source: Clinton County records, as of July 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 30, 2026 | Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Apr 30, 2026 | Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| May 21, 2019 | Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on File |
| Deed Sale | Apr 30, 2026 · Amount on File |
| Prior Sale | May 21, 2019 · Amount on File |
| Deed Document Number | 20261470 |
| Prior Transfer Date | Jul 30, 2010 |
| Prior Transfer Doc | 0201003016 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Apr 30, 2026 |
| Property Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Document Number | 0202601470 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 20261470 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $186,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Document Number | 0000001471, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 20261471 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Apr 30, 2026 |
| Property Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Document Number | 0000001470 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.1470 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $186,850.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Document Number | 0000001471, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 2026..1471 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | May 21, 2019 |
| Property Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Document Number | 2019001751 |
| Instrument Date | May 16, 2019 |
| Instrument | 2019-001751 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 JAMES ST, LOCK HAVEN, PA 17745-3039 |
| Document Number | 2019001752 |
|---|---|
| Date | May 21, 2019 |
| Instrument | 2019-001752 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
The 2026 property tax bill for 421 James St was $1,879.
Source: Clinton County assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Clinton County |
| Municipality | Flemington Borough |
| Unified School District | Keystone Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,879.00 | $83,100 Land $17,200 Building $65,900 | |
| 2023 | $1,700.00 | $83,100 Land $17,200 Building $65,900 | |
| 2008 | $83,100 Land $17,200 Building $65,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 421 James St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · 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 |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2004–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Sep 2024 · river or lake flooding |
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 risk around 421 James St is low, with less than 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 93% of the US · lower than 91% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUBURBAN LOCK HAVEN WATER AUTH serves 9,700 people · EPA ID PA4180049 |
|---|---|
| Water Source | Purchased surface water from CENT CLINTON CO WATER FIL AUTH |
| Last State Inspection | May 2026 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2021 |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2021 |
| Monitoring and Reporting | 2 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 438 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| River Valley Internet Fixed Wireless | 100 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures