973 E Penn St, Muncy, PA 17756 Property Records

Lycoming County property record for 973 E Penn St, Muncy, PA 17756

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1969
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jun 2025)
Tax Bill	$2,986 (2026)
Deeds & Mortgages	Dec 2015 Mortgage Sep 2009 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-393-104.L`

Property Details

APN / Parcel Number

Primary APN	`40-393-104.L`
Alternative APN	`40+,393.0-0104.L+-000+`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	1,008 sqft
Finished Basement	351 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Wood Siding
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	973 E PENN ST
City	MUNCY
State	PA
Zip	17756-8211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4RER
Jurisdiction	LYCOMING PA
Township / Civil Division	MUNCY CREEK
Census Block Group	3
Census Block	3013
Census Tract	10800

Owner

Source: Lycoming County records, as of May 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	973 E PENN ST, MUNCY, PA 17756-8211
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2015	Deed of Trust, Mortgage SERVICE 1ST FCU
Sep 3, 2009	Deed of Trust, Mortgage · Reverse Mortgage WELLS FARGO BANK NA
May 31, 2007	Deed of Trust, Mortgage · Line of Credit SOVEREIGN BANK
Jun 30, 2025	Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Feb 14, 2012 · Amount on Record
Deed Document Number	20256252
Deed Book / Page	9357 / 2117
Record Updated	Sep 20, 2026

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYCOMING PA
Property Address	973 E PENN ST, MUNCY, PA 17756-8211
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008801/003
Date	Dec 2, 2015
Book Page	8801/003
Instrument	201500015877

Lender

Name	SERVICE 1ST FCU
Type	Credit Union
Address	DANVILLE, PA 17821

Agreement

Amount	Amount Recorded
Term	35 Months
Due	Nov 20, 2018

September 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYCOMING PA
Property Address	973 E PENN ST, MUNCY, PA 17756-8211
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006744/091
Date	Sep 3, 2009
Book Page	6744/091
Instrument	200900012839

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2.76%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2009
Change Frequency	Monthly
Index	1-Month LIBOR
Max Rate	12.7%

May 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LYCOMING PA
Property Address	973 E PENN ST, MUNCY, PA 17756-8211
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006026/254
Date	May 31, 2007
Book Page	6026/254
Instrument	200700008246

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 11, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LYCOMING PA
Recording Date	Jun 30, 2025
Property Address	973 E PENN ST, MUNCY, PA 17756-8211
Document Number	09357/2117
Book / Page	9357 / 2117
Instrument Date	Jun 27, 2025
Instrument	202500006252
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	973 E PENN ST, MUNCY, PA 17756-8211

Mortgage

Document Number	202500006253
Date	Jun 30, 2025
Instrument	202500006253

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

Source: Lycoming County assessment roll, as of May 7, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lycoming County
County Subdivision	Muncy Creek Township
Unified School District	Muncy School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,986.00 (+2.09%)	$120,800 (-) Land $37,950 Building $82,850
2024	$2,925.00	$120,800 (-) Land $37,950 Building $82,850
2023	$2,925.00	$120,800 Land $37,950 Building $82,850
2004			$120,800 Land $37,950 Building $82,850

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	24 (1978–2018)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Jul 2018 · river or lake flooding
Claims by Event	Tropical Storm Lee, Sep 2011 · 5 claims Tropical Depression Ivan, Sep 2004 · 2 claims Severe Storms And Flooding, Jan 1996 · 6 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MUNCY BOROUGH WATER COMPANY serves 2,900 people · EPA ID PA4410165
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	890 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jan 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 45 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
River Valley Internet Fixed Wireless	100 / 50

May also be available: Windstream.

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