440 Commerce St, Beaver, PA 15009 Property Records

Beaver County property record for 440 Commerce St, Beaver, PA 15009

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,810 sqft · built 1910
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Jan 2019)
Tax Bill	$1,045 (2025)
Deeds & Mortgages	May 2020 Mortgage Mar 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-002-1319.000`

Property Details

APN / Parcel Number

Primary APN	`16-002-1319.000`
Alternative APN	`16-002-1319.000-01-1`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,810 sqft Living Area
Flooring	Wood
Interior Walls	Wood

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Garage Area	896 sqft

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	Deck Area
Patio Area	658 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	16-002-1319.000
Street Address	440 COMMERCE ST
City	BEAVER
State	PA
Zip	15009-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PTLOT 140 GEN PL HSE GAR
Legal Subdivision	BOROUGH BEAVER
Legal Lot Number	140
Jurisdiction	BEAVER PA
Township / Civil Division	BEAVER
Census Block Group	2
Census Block	2015
Census Tract	602400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Beaver Historic District listed 1996 · 1,258 contributing resources · NRIS 96001201

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Beaver County records, as of May 27, 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 Record
Mailing Address	440 COMMERCE ST, BEAVER, PA 15009-2012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG FIN
Mar 21, 2019	Deed of Trust, Mortgage · Line of Credit NEXTIER BK NA
Jan 29, 2019	Warranty Deed, Transfer ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC
Mar 20, 2017	Deed of Trust, Mortgage · Conventional with PMI WEST-AIR COMM FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 29, 2019 · Amount on Record
Deed Sale	Jan 29, 2019 · Amount on Record
Prior Sale	Jul 6, 2001 · Amount on Record
Deed Document Number	20193586319
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAVER PA
Property Address	440 COMMERCE ST, BEAVER, PA 15009-2012
Document Number	0003611845
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 COMMERCE ST WEST BRIDGEWATER PA 150092012, WEST BRIDGEWATER, PA 15009-2012

Mortgage

Document Number	0003611845
Date	May 26, 2020
Instrument	3611845

Lender

Name	AMERICAN MTG FIN
Type	Mortgage Company
Address	PITTSBURGH, PA 15237

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2050

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAVER PA
Property Address	440 COMMERCE ST, BEAVER, PA 15009-2012
Document Number	0003589377
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	COMMONWEALTH CREDIT SERVICES, COMMONWEALTH CREDIT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 COMMERCE ST BEAVER PA 150092012, BEAVER, PA 15009-2012

Mortgage

Document Number	0003589377
Date	Apr 1, 2019
Instrument	3589377

Lender

Name	NEXTIER BK NA
Type	Bank
Address	KITTANNING, PA 16201

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEAVER PA
Recording Date	Jan 29, 2019
Property Address	440 COMMERCE ST, BEAVER, PA 15009-2012
Document Number	0003586319
Instrument Date	Jan 25, 2019
Instrument	3586319
Transaction Type	Transfer
Record Updated	Feb 6, 2019
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$1,310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 COMMERCE ST BEAVER PA 150092012, BEAVER, PA 15009-2012

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEAVER PA
Property Address	440 COMMERCE ST, BEAVER, PA 15009-2012
Document Number	0003547325
Instrument Date	Mar 20, 2017
Transaction Type	Mortgage
Record Updated	Apr 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	440 COMMERCE ST BEAVER PA 150092012, BEAVER, PA 15009-2012

Mortgage

Document Number	0003547325
Date	Mar 21, 2017
Instrument	3547325

Lender

Name	WEST-AIR COMM FCU
Type	Credit Union
Address	BEAVER, PA 15009-0568

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Mar 20, 2037

Tax Assessment & Valuation

Source: Beaver County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Beaver County
Municipality	Beaver Borough
Unified School District	Beaver Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$142,400 (+615.58%) Land $26,050 Building $116,350	$284,800 (+615.58%) Land $52,100 Building $232,700
2025	$1,045.00 (-64.58%)
2023	$2,950.00	$19,900 Land $2,950 Building $16,950
1982			$39,800 Land $5,900 Building $33,900

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 15, 2019 · 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 Claims	2 (1982–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · Severe Storms And 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

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	BEAVER BORO MUNI AUTH serves 5,799 people · EPA ID PA5040009
Water Source	Groundwater
Last State Inspection	Jun 2026
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	40 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 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
GoNetspeed Fiber	1,000 / 1,000

May also be available: Verizon.

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