Montgomery County property record for 446 Cloverly Ln, Horsham, PA 19044
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,313 sqft · built 1989 |
| Lot Size | 0.589 acres (25,669 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $589,900 (Aug 2016) |
| Tax Bill | $10,784 (2026) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-00-02280-64-5 |
| Primary APN | 36-00-02280-64-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,313 sqft Living Area |
| 1st Floor Area | 1,648 sqft |
| Basement Area | 198 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 25,669 sqft (0.589 acres) |
| Lot Width | 149 ft Width |
| Garage Area | 620 sqft |
| Deck Area | Deck Area |
| Patio Area | 733 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 446 CLOVERLY LN |
|---|---|
| City | HORSHAM |
| State | PA |
| Zip | 19044-1831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | 149 X IRR 25669 SF |
| Legal Subdivision | PREPARED HUNTER CONST CO |
| Legal Block | 61A |
| Legal Lot Number | 11 |
| Jurisdiction | MONTGOMERY PA |
| Township / Civil Division | HORSHAM |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 200507 |
446 Cloverly Ln is owned and occupied by two individuals who bought it in August 2016.
Source: Montgomery County records, as of June 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 446 CLOVERLY LN, HORSHAM, PA 19044-1831 |
| 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.
| Date | Document |
|---|---|
| Jul 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE |
| Oct 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 3, 2016 · Amount on File |
| Deed Sale | Aug 3, 2016 · Amount on File |
| Prior Sale | Jul 18, 2008 · Amount on File |
| Deed Document Number | 201657688 |
| Deed Book / Page | 6010 / 2990 |
| Prior Transfer Date | Jun 30, 1995 |
| Prior Transfer Doc | 0000012874 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Property Address | 446 CLOVERLY LN, HORSHAM, PA 19044-1831 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2024 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 01531000672 |
|---|---|
| Date | Jul 6, 2021 |
| Book Page | 15310/00672 |
| Instrument | 2021077590 |
| Name | FINANCE OF AMERICA MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY PA |
| Property Address | 446 CLOVERLY LN, HORSHAM, PA 19044-1831 |
| Document Number | 0144271714 |
| Book / Page | 014427 / 001714 |
| Instrument Date | Oct 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2017 |
| Title Company | UNIVERSAL SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 446 CLOVERLY LANE TWP HORSHAM HORSHAM PA 19044, HORSHAM, PA 19044 |
| Document Number | 0144271714 |
|---|---|
| Date | Oct 23, 2017 |
| Book Page | 014427/001714 |
| Instrument | 79753 |
| Name | AMERICAN HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Address | PHILADELPHIA, PA 19115 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 22, 2032 |
The 2026 property tax bill for 446 Cloverly Ln was $10,784.
Source: Montgomery County assessment roll, as of June 1, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Montgomery County |
| County Subdivision | Horsham Township |
| Unified School District | Hatboro-Horsham School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,784.00 | $249,930 | $249,930 |
| 2025 | $10,784.00 | ||
| 2024 | $249,930 (-) Land $63,120 Building $186,810 | ||
| 2023 | $9,824.00 (+5.06%) | $249,930 Land $63,120 Building $186,810 | |
| 2022 | $9,351.00 | ||
| 1998 | $249,930 Land $63,120 Building $186,810 | ||
| 1996 | $249,930 Land $63,120 Building $186,810 |
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 446 Cloverly Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 6, 2025 · 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 12 policies |
| Nearby Flood Policies | 12 in force |
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 446 Cloverly Ln 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 98% of the US · lower than 98.3% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | HORSHAM WATER&SEWER AUTHORITY serves 26,000 people · EPA ID PA1460033 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · May 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 97 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 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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