Bradford County property record for 85 Exchange St, Troy, PA 16947
| Property Type | Quadplex |
|---|---|
| Details | 8 bd · 10.5 ba · built 1876 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Oct 2021) |
| Tax Bill | $2,698 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Line of Credit Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 52-068.02-220-000-000 |
| Primary APN | 52-068.02-220-000-000 |
|---|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 10.5 Baths |
| Half Baths | 5 Half Baths |
| Total Rooms | 18 Rooms |
| Stories | 2 Stories |
| Year Built | Built 1876 |
|---|---|
| Effective Year Built | Effective 1876 |
| Architectural Style | Conventional |
| Lot Area | 29,185 sqft (0.67 acres) |
| Street Address | 85 EXCHANGE ST |
|---|---|
| City | TROY |
| State | PA |
| Zip | 16947-1187 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Quadplex |
| Legal Description | APARTMENT HOUSE |
| Jurisdiction | BRADFORD PA |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 950700 |
85 Exchange St, a quadplex, is owned by two individuals who bought it in October 2021.
Source: Bradford County records, as of April 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 931 SOPERTOWN RD, COLUMBIA CROSS ROADS, PA 16914-8118 |
| 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.
| Date | Document |
|---|---|
| Oct 8, 2021 | Deed, Transfer · Line of Credit FIRST CITIZENS COMMUNITY BANK |
| Apr 10, 2018 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2021 · Amount on File |
| Deed Sale | Oct 8, 2021 · Amount on File |
| Prior Sale | Apr 10, 2018 · Amount on File |
| Deed Document Number | 202111407 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BRADFORD PA |
| Recording Date | Oct 8, 2021 |
| Property Address | 85 EXCHANGE ST, TROY, PA 16947-1187 |
| Document Number | 0202111407 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 202111407 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 76 HUNSBERGER RD, TELFORD, PA 18969-1510 |
| Name | Verified Name |
|---|---|
| Address | 931 SOPERTOWN RD, COLUMBIA CROSS ROADS, PA 16914-8118 |
| Investor | Possibly a Property Investor |
| Document Number | 0202111405 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 202111405 |
| Name | FIRST CITIZENS COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BRADFORD PA |
| Recording Date | Apr 10, 2018 |
| Property Address | 85 EXCHANGE ST, TROY, PA 16947-1187 |
| Document Number | 0201805116 |
| Instrument Date | Apr 6, 2018 |
| Instrument | 201805116 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,993.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1053 BURLEIGH HILL RD, COLUMBIA CROSS ROADS, PA 16914-7827 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 76 HUNSBERGER RD, TELFORD, PA 18969-1510 |
The 2026 property tax bill for 85 Exchange St was $2,698.
Source: Bradford County assessment roll, as of April 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bradford County |
| Municipality | Troy Borough |
| Unified School District | Troy Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,698.00 | $35,350 | |
| 2024 | $2,528.00 | $35,350 | |
| 1999 | $70,661 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 85 Exchange St in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective September 21, 2024 · 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 | 6 in force |
| Nearby Flood Claims | 9 (1981–2018) |
| Claims Outside the SFHA | 3 of 9 |
| Most Recent Claim | Aug 2018 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 85 Exchange 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 |
| Adjoins Burnable Land | Yes |
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 | TROY WATER DEPTARTMENT serves 1,362 people · EPA ID PA2080020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 16 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Blue Ridge Cable Technologies Cable | 2,000 / 40 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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