Erie County property record for 686 Pine Tree Dr, Girard, PA 16417
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,921 sqft · built 1986 |
| Lot Size | 0.371 acres (16,174 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $14,000 (Apr 1986) |
| Tax Bill | $7,706 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-002-001.0-010.04 |
| Primary APN | 23-002-001.0-010.04 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,921 sqft Living Area |
| 1st Floor Area | 1,556 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Lot Area | 16,174 sqft (0.371 acres) |
| Lot Dimensions | 116 ft deep x 150 ft wide |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 106 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 686 PINE TREE DR |
|---|---|
| City | GIRARD |
| State | PA |
| Zip | 16417-1032 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | 686 PINE TREE DR 150.02X116.17 |
| Legal Subdivision | PLOT OF WILDWOOD SUB SEC NO 1 |
| Jurisdiction | ERIE PA |
| Township / Civil Division | GIRARD |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 10201 |
686 Pine Tree Dr is owned and occupied by two individuals who bought it in April 1986.
Source: Erie County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 686 PINE TREE DR, GIRARD, PA 16417-1032 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Feb 17, 2022 | Deed of Trust, Mortgage · Commercial Mortgage ERIEBANK |
| Jan 31, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 23, 2020 | Deed of Trust, Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 21, 1986 · Amount on File |
| Deed Sale | Apr 21, 1986 · Amount on File |
| Deed Book / Page | 1625 / 418 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE PA |
| Property Address | 686 PINE TREE DR, GIRARD, PA 16417-1032 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 686 PINE TREE DR, GIRARD, PA 16417-1032 |
| Document Number | 0000003504 |
|---|---|
| Date | Feb 17, 2022 |
| Instrument | 2022-003504 |
| Name | ERIEBANK |
|---|---|
| Type | Bank |
| Address | ERIE, PA 16506 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 22, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE PA |
| Property Address | 686 PINE TREE DR, GIRARD, PA 16417-1032 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002076 |
|---|---|
| Date | Jan 31, 2022 |
| Instrument | 2022-002076 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE PA |
| Property Address | 686 PINE TREE DR, GIRARD, PA 16417-1032 |
| Document Number | 0000012034 |
| Instrument Date | Jun 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 686 PINE TREE DR GIRARD PA 164171032, GIRARD, PA 16417-1032 |
| Document Number | 0000012034 |
|---|---|
| Date | Jul 2, 2020 |
| Instrument | 12034 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 686 Pine Tree Dr was $7,706, up 7.6% from the year before.
Source: Erie County assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Erie County |
| Municipality | Girard Borough |
| Unified School District | Girard School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,706.00 (+7.64%) | $234,800 Land $35,500 Building $199,300 | |
| 2025 | $7,159.00 | ||
| 2024 | $234,800 Land $35,500 Building $199,300 | ||
| 2023 | $6,536.00 | ||
| 2013 | $234,800 Land $35,500 Building $199,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 686 Pine Tree Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 6, 2017
| 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 risk around 686 Pine Tree Dr 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GIRARD BORO WATER DEPT serves 3,301 people · EPA ID PA6250049 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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