645 E Howard St, Bellefonte, PA 16823 Property Records

Centre County property record for 645 E Howard St, Bellefonte, PA 16823

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,072 sqft · built 1870
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$232,500 (Jun 2019)
Tax Bill	$3,737 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`32-103-,042-,0000`

Property Details

APN / Parcel Number

Primary APN	`32-103-,042-,0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	645 E HOWARD ST
City	BELLEFONTE
State	PA
Zip	16823-2129
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	CENTRE PA
Township / Civil Division	BELLEFONTE
Census Block Group	4
Census Block	4000
Census Tract	11101

Owner

Source: Centre County records, as of April 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	645 E HOWARD ST, BELLEFONTE, PA 16823-2129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit ARIZE FCU
Sep 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Mar 4, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC
Jun 14, 2019	Deed, Transfer · Loan Assumption CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Jun 20, 2011 · Amount on Record
Deed Book / Page	2233 / 730
Prior Transfer Date	Jun 17, 2011
Prior Transfer Doc	02081/0811
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	645 E HOWARD ST, BELLEFONTE, PA 16823-2129
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002302/232
Date	Dec 27, 2022
Book Page	2302/232

Lender

Name	ARIZE FCU
Type	Credit Union
Address	STATE COLLEGE, PA 16803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	645 E HOWARD ST, BELLEFONTE, PA 16823-2129
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02205/0404
Date	Sep 18, 2017
Book Page	2205/0404
Instrument	2205-0404

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BELLEFONTE, PA 16823

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CENTRE PA
Property Address	645 E HOWARD ST, BELLEFONTE, PA 16823-2129
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002247/74
Date	Mar 4, 2020
Book Page	2247/74

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

June 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CENTRE PA
Recording Date	Jun 14, 2019
Property Address	645 E HOWARD ST, BELLEFONTE, PA 16823-2129
Document Number	02233/0730
Book / Page	2233 / 0730
Instrument Date	Jun 3, 2019
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	645 E HOWARD ST, 645, BELLEFONTE, PA 16823-2129

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 E HOWARD ST, BELLEFONTE, PA 16823-2129

Mortgage

Document Number	0002233731
Date	Jun 14, 2019
Instrument	2233/731

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Loan Assumption
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Tax Assessment & Valuation

Source: Centre County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Centre County
Municipality	Bellefonte Borough
Unified School District	Bellefonte Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,737.00 (+6.99%)	$45,040 (-) Land $10,000 Building $35,040
2025			$90,080 (-) Land $20,000 Building $70,080
2024	$3,493.00	$45,040 Land $10,000 Building $35,040
1994			$90,080 Land $20,000 Building $70,080

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 1, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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	BELLEFONTE BOROUGH WATER AUTH serves 9,500 people · EPA ID PA4140075
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	5 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	31 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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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