Bradford County property record for 460 Mud Creek Rd, Troy, PA 16947
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · built 1977 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,187 (2026) |
| Deeds & Mortgages | Sep 2017 Second Mortgage May 2020 Second Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 53-081.00-064-000-000 |
| Primary APN | 53-081.00-064-000-000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Conventional |
| Lot Area | 43,560 sqft (1 acres) |
| Street Address | 460 MUD CREEK RD |
|---|---|
| City | TROY |
| State | PA |
| Zip | 16947-9597 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 2 POLE GARAGES |
| Jurisdiction | BRADFORD PA |
| Township / Civil Division | TROY |
| Census Block Group | 4 |
| Census Block | 4063 |
| Census Tract | 950700 |
460 Mud Creek Rd is owned and occupied by two individuals.
Source: Bradford County records, as of April 27, 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 | 460 MUD CREEK RD, TROY, PA 16947-9597 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST CITIZENS COMMUNITY BANK |
| May 15, 2020 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST CITIZENS COMMUNITY BANK |
| Sep 22, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD PA |
| Property Address | 460 MUD CREEK RD, TROY, PA 16947-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0201716074 |
|---|---|
| Date | Sep 18, 2017 |
| Instrument | 201716074 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MANSFIELD, PA 16933 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 58 Months |
| Due | Jul 13, 2022 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD PA |
| Property Address | 460 MUD CREEK RD, TROY, PA 16947-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0202004195 |
|---|---|
| Date | May 15, 2020 |
| Instrument | 202004195 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MANSFIELD, PA 16933 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BRADFORD PA |
| Property Address | 460 MUD CREEK RD, TROY, PA 16947-9597 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0202210634 |
|---|---|
| Date | Sep 22, 2022 |
| Instrument | 202210634 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | 16393 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 12, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 460 Mud Creek Rd was $2,187, up 4.9% from the year before.
Source: Bradford County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bradford County |
| County Subdivision | Troy Township |
| Unified School District | Troy Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,187.00 (+4.94%) | $34,400 (-) | |
| 2025 | $2,084.00 (+4.67%) | $34,400 (-) | |
| 2024 | $1,991.00 Additional exemption filed | $34,400 | |
| 1999 | $103,574 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 460 Mud Creek Rd in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective September 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 3 (2011–2018) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2018 · Severe Storms And Flooding |
| 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 460 Mud Creek Rd is low, with a 0.02% 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 | 0.02% 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 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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