Clinton County property record for 978 W 3rd St, Lock Haven, PA 17745
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,179 sqft · built 1942 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,500 (Oct 2020) |
| Tax Bill | $4,375 (2026) |
| Deeds & Mortgages | Feb 2020 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-11720 |
| Primary APN | 23-11720 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,179 sqft Living Area |
| Gross Area | 3,165 sqft |
| 1st Floor Area | 987 sqft |
| Attic | Attic |
| Attic Area | 1,920 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Conventional |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 160 ft deep x 60 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | C -02-0452 |
|---|---|
| Street Address | 978 W 3RD ST |
| City | LOCK HAVEN |
| State | PA |
| Zip | 17745-2729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RL |
| Legal Description | 60 X 160 |
| Legal Subdivision | PHILIP M PRICES ADDITION |
| Jurisdiction | CLINTON PA |
| Township / Civil Division | LOCK HAVEN |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 30701 |
978 W 3rd St is owned and occupied by an individual who bought it in October 2020.
Source: Clinton County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 978 W 3RD ST, LOCK HAVEN, PA 17745-2729 |
| 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.
| Date | Document |
|---|---|
| Feb 10, 2020 | Deed of Trust, Mortgage · Line of Credit JERSEY SHORE STATE BANK |
| Oct 9, 2020 | Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 9, 2020 · Amount on File |
| Deed Sale | Oct 9, 2020 · Amount on File |
| Prior Sale | Jul 6, 2005 · Amount on File |
| Deed Document Number | 20204042 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLINTON PA |
| Property Address | 978 W 3RD ST, LOCK HAVEN, PA 17745-2729 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2020000651 |
|---|---|
| Date | Feb 10, 2020 |
| Instrument | 2020-000651 |
| Name | JERSEY SHORE STATE BANK |
|---|---|
| Type | Bank |
| Address | LOCK HAVEN, PA 17745 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLINTON PA |
| Recording Date | Oct 9, 2020 |
| Property Address | 978 W 3RD ST, LOCK HAVEN, PA 17745-2729 |
| Document Number | 2020004042 |
| Instrument Date | Oct 5, 2020 |
| Instrument | 2020-004042 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,325.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 978 W 3RD ST, LOCK HAVEN, PA 17745-2729 |
| Document Number | 2020004043 |
|---|---|
| Date | Oct 9, 2020 |
| Instrument | 2020-004043 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 978 W 3rd St was $4,375 with a homeowner's exemption.
Source: Clinton County assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Clinton County |
| Municipality | Lock Haven City |
| Unified School District | Keystone Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,375.00 Homeowner's exemption | $85,500 Land $14,300 Building $71,200 | |
| 2023 | $2,506.00 | $85,500 Land $14,300 Building $71,200 | |
| 2008 | $85,500 Land $14,300 Building $71,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 978 W 3rd St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 14, 2026
| 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 978 W 3rd St is low, with less than 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 99.1% of the US · lower than 99.4% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 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 | SUBURBAN LOCK HAVEN WATER AUTH serves 9,700 people · EPA ID PA4180049 |
|---|---|
| Water Source | Purchased surface water from CENT CLINTON CO WATER FIL AUTH |
| Last State Inspection | May 2026 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2021 |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2021 |
| Monitoring and Reporting | 2 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 438 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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