McKean County property record for 97 Clay St, Kane, PA 16735
| Property Type | Single Family Home |
|---|---|
| Details | 2,630 sqft · built 1900 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,596 (Apr 2025) |
| Tax Bill | $3,058 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-002.-909.00 |
| Primary APN | 10-002.-909.00 |
|---|---|
| Alternative APN |
|
| Building Area | 2,630 sqft Total Area |
|---|
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Lot Area | 6,534 sqft (0.15 acres) |
| Street Address | 97 CLAY ST |
|---|---|
| City | KANE |
| State | PA |
| Zip | 16735-1509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD CONTROL:0882-1110 |
| Legal Subdivision | WINIFRED G NELSON PROPERTY |
| Jurisdiction | MCKEAN PA |
| Township / Civil Division | KANE |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 421100 |
97 Clay St is owned by two individuals who bought it in April 2025.
Source: McKean County records, as of April 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 42 SCHOOL ST, KANE, PA 16735-3938 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jul 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Oct 3, 2017 | Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2025 · Amount on File |
| Deed Sale | Apr 22, 2025 · Amount on File |
| Prior Sale | Oct 3, 2017 |
| Deed Document Number | 20251177 |
| Deed Book / Page | 1081 / 815 |
| Prior Transfer Date | Apr 17, 2025 |
| Prior Transfer Doc | 001081/815 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCKEAN PA |
| Property Address | 97 CLAY ST, KANE, PA 16735-1509 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | FAXON SETTLEMENT SERVICES LL |
| Name | Verified Name |
|---|
| Document Number | 953/438 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 953/438 |
| Instrument | 202002301 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCKEAN PA |
| Recording Date | Oct 3, 2017 |
| Property Address | 97 CLAY ST, KANE, PA 16735-1509 |
| Document Number | 882/1110 |
| Book / Page | 882 / 1110 |
| Instrument Date | Sep 5, 2017 |
| Instrument | 201704048 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 97 CLAY ST, KANE, PA 16735-1509 |
| Document Number | 201704049 |
|---|---|
| Date | Oct 3, 2017 |
| Instrument | 201704049 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
The 2026 property tax bill for 97 Clay St was $3,058, up 1.2% from the year before.
Source: McKean County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | McKean County |
| Municipality | Kane Borough |
| Unified School District | Kane Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,058.00 (+1.19%) | $71,600 (-) Land $5,880 Building $65,720 | |
| 2025 | $3,022.00 (+4.31%) | $71,600 (-) Land $5,880 Building $65,720 | |
| 2024 | $2,897.00 | $71,600 Land $5,880 Building $65,720 | |
| 1998 | $71,600 Land $5,880 Building $65,720 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Clay St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective December 22, 2016
| 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 97 Clay 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PA AMERICAN WATER CO KANE private · serves 5,725 people · EPA ID PA6420019 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 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 | None 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 371 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 |
| AT&T Fixed Wireless | 100 / 20 |
| SkyPacket Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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