4331 Rte 646, Cyclone, PA 16726 Property Records

McKean County property record for 4331 Rte 646, Cyclone, PA 16726

Property Summary

Property Type	Exempt (Full or Partial)
Details	3,840 sqft · built 2008
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Mar 2025)
Tax Bill	$4,966 (2026)
Deeds & Mortgages	Dec 2007 Mortgage Mar 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`24-022.-108.00`

Property Details

APN / Parcel Number

Primary APN	`24-022.-108.00`
Alternative APN	`020975`

Interior

Building Area	3,840 sqft Total Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	140 ft deep x 95 ft wide

Location & Zoning

Street Address	4331 ROUTE 646
City	CYCLONE
State	PA
Zip	16726-1006
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	OLD CONTROL:0814-0570
Jurisdiction	MCKEAN PA
Township / Civil Division	KEATING
Census Block Group	1
Census Block	1029
Census Tract	420800

Owner

4331 Rte 646 is owned by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4331 ROUTE 646, CYCLONE, PA 16726-1006
Owner Type	Individual
Vesting	Husband and Wife

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
Dec 26, 2007	Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST SAVINGS BANK
Mar 28, 2025	Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 17, 2015	Deed, Transfer · VA Mortgage PNC MORTGAGE LLC
Oct 2, 2013	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2025 · Amount on File
Deed Sale	Mar 28, 2025 · Amount on File
Prior Sale	Apr 17, 2015 · Amount on File
Deed Document Number	2025898
Deed Book / Page	1080 / 190
Record Updated	Sep 20, 2026

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	4331 ROUTE 646, CYCLONE, PA 16726-1006
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00585/0135
Date	Dec 26, 2007
Book Page	585/0135
Instrument	200706918

Lender

Name	NORTHWEST SAVINGS BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	367 Months
Due	Jul 1, 2038

March 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Mar 28, 2025
Property Address	4331 ROUTE 646, CYCLONE, PA 16726-1006
Document Number	001080/190
Book / Page	1080 / 190
Map Reference	MB 2 PG 149
Instrument Date	Mar 26, 2025
Instrument	202500898
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4331 ROUTE 646, CYCLONE, PA 16726-1006

Mortgage

Document Number	0202500899
Date	Mar 28, 2025
Instrument	202500899

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2055

April 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Apr 17, 2015
Property Address	4331 ROUTE 646, CYCLONE, PA 16726-1006
Document Number	00814/0570
Book / Page	814 / 0570
Map Reference	MB2 PG149
Instrument Date	Mar 27, 2015
Instrument	201501330
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4331 ROUTE 646, CYCLONE, PA 16726-1006

Mortgage

Document Number	0201501331
Date	Apr 17, 2015
Instrument	201501331

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2045

October 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Oct 2, 2013
Property Address	4331 ROUTE 646, CYCLONE, PA 16726-1006
Document Number	00773/0358
Book / Page	773 / 0358
Map Reference	MB2 PG149
Instrument Date	Sep 27, 2013
Instrument	201304784
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2134 CROSSING WAY, HIGH POINT, NC 27262-7699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1793, WARREN, PA 16365-6793

Tax Assessment & Valuation

The 2026 property tax bill for 4331 Rte 646 was $4,966.

Source: McKean County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	McKean County
County Subdivision	Keating Township
Unified School District	Smethport Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,966.00	$139,150 Land $5,000 Building $134,150
2024	$3,314.00	$96,230 Land $5,000 Building $91,230
1998			$139,150 Land $5,000 Building $134,150

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.

Flood

FEMA maps place 4331 Rte 646 in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1980.

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1980–1987)
Most Recent Claim	Sep 1987 · 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

Wildfire risk around 4331 Rte 646 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
Adjoins Burnable Land	Yes

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	PITHOLE WATER ASSOCIATION private · serves 87 people · EPA ID PA6420031
Water Source	Groundwater
Last State Inspection	Nov 2024
Copper	3.98 mg/L (2019) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Treatment failure resolved · Nov 2024 E. coli resolved · Jun 2018
Treatment and Procedure	Corrosion control Apr 2022 Coliform assessment May 2021
Monitoring and Reporting	83 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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