551 Main St, Prospect, PA 16052 Property Records

Butler County property record for 551 Main St, Prospect, PA 16052

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,332 sqft · built 1976
Lot Size	1.64 acres (71,438 sqft)
Owner	2 Individual Names on File
Last Sale	$291,000 (Jan 2026)
Tax Bill	$986 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`490 S1 8B0000`

Property Details

APN / Parcel Number

Primary APN	`490 S1 8B0000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	1,332 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Lot Area	71,438 sqft (1.64 acres)
Garage Area	952 sqft

Utilities, Heating & Cooling

Heating System	Gravity Furnace

Location & Zoning

Street Address	551 MAIN ST
City	PROSPECT
State	PA
Zip	16052-3018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.64 ACS HSE GAR
Jurisdiction	BUTLER PA
Township / Civil Division	PROSPECT
Census Block Group	3
Census Block	3008
Census Tract	911000

Owner

551 Main St is owned and occupied by two individuals who bought it in January 2026.

Source: Butler County records, as of June 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	551 MAIN ST, PROSPECT, PA 16052-3018
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit DOLLAR BANK FSB
Jan 20, 2026	Special Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI PENNSYLVANIA EQUITY RSRCS
Feb 6, 2017	Warranty Deed, Transfer · Conventional with PMI PENNSYLVANIA EQUITY RSRCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Feb 6, 2017 · Amount on File
Deed Document Number	2026930
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER PA
Property Address	551 MAIN ST, PROSPECT, PA 16052-3018
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 MAIN ST, PROSPECT, PA 16052-3018

Mortgage

Document Number	0000018404
Date	Nov 5, 2025
Instrument	202511050018404

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	20 STANWIX ST, PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BUTLER PA
Recording Date	Jan 20, 2026
Property Address	551 MAIN ST, PROSPECT, PA 16052-3018
Document Number	0000000930
Instrument Date	Jan 15, 2026
Instrument	202601200000930
Transaction Type	Transfer
Record Updated	Mar 17, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,910.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 MAIN ST, PROSPECT, PA 16052-3018

Mortgage

Document Number	0000000931
Date	Jan 20, 2026
Instrument	202601200000931

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER PA
Property Address	551 MAIN ST, PROSPECT, PA 16052-3015
Document Number	0000010253
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 MAIN ST PROSPECT PA 160523015, PROSPECT, PA 16052-3015

Mortgage

Document Number	0000010253
Date	Jun 1, 2020
Instrument	10253

Lender

Name	PENNSYLVANIA EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 31, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUTLER PA
Recording Date	Feb 6, 2017
Property Address	551 MAIN ST, PROSPECT, PA 16052-3015
Document Number	0000002661
Instrument Date	Jan 27, 2017
Instrument	2661
Transaction Type	Transfer
Record Updated	Feb 10, 2017
Title Company	ASSURED SETTLEMENT SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	551 MAIN ST PROSPECT PA 160523015, PROSPECT, PA 16052-3015

Mortgage

Document Number	2662
Date	Feb 6, 2017
Instrument	2662

Lender

Name	PENNSYLVANIA EQUITY RSRCS
Type	Funding / Finance Company
Address	CARNEGIE, PA 15106

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 551 Main St was $986, down 71.9% from the year before.

Source: Butler County assessment roll, as of June 8, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Butler County
Municipality	Prospect Borough
Unified School District	Slippery Rock Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$986.00 (-71.92%)	$23,310 (-) Land $990 Building $22,320	$23,310 Building $23,310
2025	$3,511.00 (+4.71%)	$23,310 (-) Land $990 Building $22,320
2024	$3,353.00	$23,310 Land $990 Building $22,320
			$23,310 Building $23,310

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

Flood

FEMA maps place 551 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 551 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Armstrong Cable	1,000 / 20
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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