638 E Main St, Bradford, PA 16701 Property Records

McKean County property record for 638 E Main St, Bradford, PA 16701

Property Summary

Property Type	Single Family Home
Details	984 sqft · built 1961
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Apr 2010)
Tax Bill	$2,249 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Dec 2024 Transfer + 1 more
Flood Zone	Zone X (moderate risk)
APN	`06-704.-108.00`

Property Details

APN / Parcel Number

Primary APN	`06-704.-108.00`
Alternative APN	`005252`

Interior

Building Area	984 sqft Total Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide

Location & Zoning

Street Address	638 E MAIN ST
City	BRADFORD
State	PA
Zip	16701-1842
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD CONTROL:0654-1088
Jurisdiction	MCKEAN PA
Township / Civil Division	BRADFORD
Census Block Group	2
Census Block	2017
Census Tract	420400

Owner

638 E Main St is owned and occupied by an individual who bought it in April 2010.

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

Owner of Record	Individual Name on File
Mailing Address	638 E MAIN ST, BRADFORD, PA 16701-1842
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Mar 19, 2021	Deed of Trust, Mortgage · Line of Credit CNB BANK
Dec 6, 2024	Intrafamily Transfer, Transfer
Nov 15, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2010 · Amount on File
Deed Sale	Apr 16, 2010 · Amount on File
Deed Document Number	20101590
Deed Book / Page	654 / 1088
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCKEAN PA
Property Address	638 E MAIN ST, BRADFORD, PA 16701-1842
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000973/807
Date	Mar 19, 2021
Book Page	973/807
Instrument	202101070

Lender

Name	CNB BANK
Type	Bank
Address	BRADFORD, PA 16701

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCKEAN PA
Recording Date	Dec 6, 2024
Property Address	638 E MAIN ST, BRADFORD, PA 16701-1842
Document Number	0001074/99
Book / Page	1074 / 99
Instrument Date	Dec 2, 2024
Instrument	202403934
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 E MAIN ST, BRADFORD, PA 16701-1842

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCKEAN PA
Recording Date	Nov 15, 2024
Property Address	638 E MAIN ST, BRADFORD, PA 16701-1842
Document Number	001072/980
Book / Page	1072 / 980
Instrument Date	Nov 13, 2024
Instrument	202403704
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	327 DERRICK RD, BRADFORD, PA 16701-3410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 DERRICK RD, BRADFORD, PA 16701-3410

Tax Assessment & Valuation

The 2026 property tax bill for 638 E Main St was $2,249.

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	$2,249.00	$41,200 (-) Land $10,000 Building $31,200
2025	$2,249.00 (+3.21%)	$41,200 (-) Land $10,000 Building $31,200
2024	$2,179.00	$41,200 Land $10,000 Building $31,200
1998			$41,200 Land $10,000 Building $31,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 638 E Main St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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 638 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	Direct burnable vegetation

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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: SkyPacket.

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