545 E Main St, Bradford, PA 16701 Property Records

McKean County property record for 545 E Main St, Bradford, PA 16701

Property Summary

Property Type	Restaurant
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Dec 2024)
Tax Bill	$8,071 (2026)
Deeds & Mortgages	Dec 2024 Sale & Line of Credit Nov 2017 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`06-708.-201.00`

Property Details

APN / Parcel Number

Primary APN	`06-708.-201.00`
Alternative APN	`004724`

Exterior

Lot Area	30,928 sqft (0.71 acres)

Location & Zoning

Street Address	545 E MAIN ST
City	BRADFORD
State	PA
Zip	16701-1836
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Legal Description	OLD CONTROL:0886-1152
Jurisdiction	MCKEAN PA
Township / Civil Division	BRADFORD
Census Block Group	2
Census Block	2014
Census Tract	420400

Owner

545 E Main St, a commercial property, is owned by two individuals who bought it in December 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	545 E MAIN ST, BRADFORD, PA 16701-1836
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 20, 2024	Deed, Transfer · Line of Credit CNB BANK
Nov 22, 2017	Deed, Transfer
Jan 25, 2017	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2024 · Amount on File
Deed Sale	Dec 20, 2024 · Amount on File
Prior Sale	Nov 22, 2017 · Amount on File
Deed Document Number	20244115
Deed Book / Page	1075 / 11
Record Updated	Jun 8, 2026

December 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Dec 20, 2024
Property Address	545 E MAIN ST, BRADFORD, PA 16701-1836
Document Number	0001075/11
Book / Page	1075 / 11
Instrument Date	Dec 20, 2024
Instrument	202404115
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E MAIN ST, BRADFORD, PA 16701-1836

Mortgage

Document Number	0202404116
Date	Dec 20, 2024
Instrument	202404116

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MCKEAN PA
Recording Date	Nov 22, 2017
Property Address	545 E MAIN ST, BRADFORD, PA 16701-1836
Document Number	00886/1152
Book / Page	886 / 1152
Instrument Date	Nov 7, 2017
Instrument	201704821
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 E MAIN ST, BRADFORD, PA 16701-1836
Investor	Possibly a Property Investor

January 2017: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MCKEAN PA
Recording Date	Jan 25, 2017
Property Address	545 E MAIN ST, BRADFORD, PA 16701-1836
Document Number	00865/0215
Book / Page	865 / 0215
Instrument Date	Jan 24, 2017
Instrument	201700328
Transaction Type	Foreclosure
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 337, WARREN, PA 16365-0337

Tax Assessment & Valuation

The 2026 property tax bill for 545 E Main St was $8,071.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
Municipality	Bradford City
County	McKean County
Unified School District	Bradford Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,071.00	$147,800 (-) Land $15,460 Building $132,340
2025	$8,071.00 (+177.54%)	$147,800 (+168.73%) Land $15,460 Building $132,340
2024	$2,908.00	$55,000 Land $20,000 Building $35,000
1998			$147,800 Land $15,460 Building $132,340

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 545 E Main St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 22, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	7 (1979–2008)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Oct 2008 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jul 2003 · 2 claims Pa, Aug 1999 · 2 claims

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 545 E Main St 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	BRADFORD CITY WATER AUTHORITY serves 18,500 people · EPA ID PA6420014
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2020
Treatment and Procedure	Sanitary survey deficiency not corrected currently in violation since Apr 2025
Monitoring and Reporting	7 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 258 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: SkyPacket, Verizon.

Nearby Properties on E Main St

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