712 E Water St, Lock Haven, PA 17745 Property Records

Clinton County property record for 712 E Water St, Lock Haven, PA 17745

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,098 sqft · built 1900
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$52,000 (Jun 2004)
Tax Bill	$2,875 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`19-9215`

Property Details

APN / Parcel Number

Primary APN	`19-9215`
Alternative APN	`C-01-0007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,098 sqft Living Area
Gross Area	1,775 sqft
1st Floor Area	549 sqft
Basement Area	549 sqft
Unfinished Basement	549 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	150 ft deep x 33 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	C -01-0007
Street Address	712 E WATER ST
City	LOCK HAVEN
State	PA
Zip	17745-1511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DEED BOOK=2004 , DEED PAGE=332 6; PROPERTY DESCRIPTION 1 >N/P OR 7 & W/POR 8 <
Jurisdiction	CLINTON PA
Township / Civil Division	LOCK HAVEN
Census Block Group	1
Census Block	1005
Census Tract	30600

Owner

712 E Water St is owned and occupied by an individual who acquired it in November 2008.

Source: Clinton County records, as of April 20, 2026

Owner of Record	Individual Name on File
Mailing Address	712 E WATER ST, LOCK HAVEN, PA 17745-1511
Occupancy	Owner Occupied
Owner Type	Individual

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 20, 2024	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Apr 21, 2022	Deed, Transfer · FHA Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2004 · Amount on File
Deed Sale	Jun 15, 2004 · Amount on File
Deed Document Number	20043326
Last Transfer Date	Nov 24, 2008
Transfer Doc	0020090025
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLINTON PA
Property Address	712 E WATER ST, LOCK HAVEN, PA 17745-1511
Transaction Type	Mortgage
Record Updated	Apr 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E WATER ST, LOCK HAVEN, PA 17745-1511

Mortgage

Document Number	0202400784
Date	Mar 20, 2024
Instrument	2024-00784

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2054

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CLINTON PA
Recording Date	Apr 21, 2022
Property Address	712 E WATER ST, LOCK HAVEN, PA 17745-1511
Document Number	0202201643
Instrument Date	Apr 5, 2022
Instrument	2022-01643
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,240.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 E WATER ST, LOCK HAVEN, PA 17745-1511

Mortgage

Document Number	0202201644
Date	Apr 21, 2022
Instrument	2022-01644

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 712 E Water St was $2,875 with a homeowner's exemption.

Source: Clinton County assessment roll, as of April 20, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Clinton County
Municipality	Lock Haven City
Unified School District	Keystone Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,875.00 Homeowner's exemption	$56,200 Land $16,200 Building $40,000
2023	$1,796.00	$56,200 Land $16,200 Building $40,000
2008			$56,200 Land $16,200 Building $40,000

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

Flood

FEMA maps place 712 E Water St in Zone X, where a levee reduces flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	16 (1979–1996)
Most Recent Claim	Jan 1996 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 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 712 E Water 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

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	CITY OF LOCK HAVEN WATER DEPT serves 8,450 people · EPA ID PA4180048
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2016
Monitoring and Reporting	21 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 307 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
River Valley Internet Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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