Tioga County property record for 45 Division St, Gaines, PA 16921
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,118 sqft · built 1965 |
| Lot Size | 0.267 acres (11,613 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (Nov 2017) |
| Tax Bill | $1,045 (2026) |
| Deeds & Mortgages | Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 15/10D00/046./000 |
| Primary APN | 15/10D00/046./000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,118 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,613 sqft (0.267 acres) |
| Garage Type | Detached |
| Garage Area | 624 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 00006950 |
|---|---|
| Street Address | 45 DIVISION ST |
| City | GAINES |
| State | PA |
| Zip | 16921-9516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | TIOGA PA |
| Township / Civil Division | GAINES |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 950900 |
45 Division St is owned and occupied by an individual who bought it in November 2017.
Source: Tioga County records, as of April 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 DIVISION ST, GAINES, PA 16921-9516 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2017 · Amount on File |
| Deed Sale | Nov 13, 2017 · Amount on File |
| Deed Document Number | 20179670 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | TIOGA PA |
| Recording Date | Nov 13, 2017 |
| Property Address | 45 DIVISION ST, GAINES, PA 16921-9516 |
| Document Number | 201709670 |
| Instrument Date | Nov 7, 2017 |
| Instrument | 201709670 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| 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 |
|---|---|
| Address | 285 GLEED AVE, 285, EAST AURORA, NY 14052-2905 |
| Name | Verified Name |
|---|---|
| Address | 1430 MARSH CREEK RD, WELLSBORO, PA 16901-8026 |
| Document Number | 201709671 |
|---|---|
| Date | Nov 13, 2017 |
| Instrument | 201709671 |
| Name | FIRST HERITAGE FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 10, 2032 |
The 2026 property tax bill for 45 Division St was $1,045.
Source: Tioga County assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Tioga County |
| County Subdivision | Gaines Township |
| Unified School District | Galeton Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,045.00 | $72,650 Land $11,960 Building $60,690 | |
| 2024 | $1,615.00 | $72,650 Land $11,960 Building $60,690 | |
| 2023 | $72,650 Land $11,960 Building $60,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Division St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 2, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 17 (1984–2024) |
| Claims Outside the SFHA | 5 of 17 |
| Most Recent Claim | Aug 2024 · Tropical Storm Debby |
| Claims by Event |
|
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 45 Division St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Blue Ridge Cable Technologies Cable | 2,000 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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