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Residential (General/Single)Residential
$101,341$59 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

104 COMMERCE ST

LOCK HAVEN, PA 17745
3
Beds
2
Baths
1,708 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
2,570 ft²
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$101K
$88K low$115K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,406 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$66,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$14,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$52,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$66,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$66,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.22
96
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
11
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.89 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyClinton
Lot (acres)The size of the land the home sits on, from county records.0.06
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Shingle
HeatingThe type of heating system in the home.Hot Water
CoolingThe type of cooling or air conditioning in the home.None

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Dickey Elementary School
Elementary · Grades KG–5 · 0.2 mi
M
Central Mountain MIiddle SchoolB
Middle · Grades 6–8 · 2.9 mi
H
Central Mountain High SchoolC
High · Grades 9–12 · 3.2 mi

District: Keystone Central School District

Neighborhood · ZIP 17745These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.34

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.87%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.15%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.16,457
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.67 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$59,803
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$72,296
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

104 Commerce St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 93% of homes in Lock Haven 17745
  • Costs less per square foot than 94% of homes in Lock Haven 17745
  • Has a smaller lot than 98% of homes in Lock Haven 17745
  • Older than 76% of homes in Lock Haven 17745

What homes are worth in Lock Haven 17745

Each bar is how many homes fall in that price range. The marker is this home.

This home
$65K$495K

This home is worth more than 7% of homes in Lock Haven 17745.

How it measures up in Lock Haven 17745

The dot is this home. The mark in the middle is the typical home in Lock Haven 17745.

Estimated value$101,341
CheaperTypical $192,828Pricier

Pricier than 7% of homes nearby

Price per ft²$59
CheaperTypical $122Pricier

Pricier than 6% of homes nearby

Living area1,708 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 59% of homes nearby

Lot size2,570 ft²
SmallerTypical 0.36 acBigger

Bigger than 2% of homes nearby

Year built1920
OlderTypical 1959Newer

Newer than 24% of homes nearby

How 104 Commerce St ranks against every home in each area.
MeasureThis homeLock Haven 17745Clinton County
Estimated valuepricier than$101,3417% of homes12% of homes
Price per ft²pricier than$596% of homes11% of homes
Living areabigger than1,708 ft²59% of homes60% of homes
Lot sizebigger than2,570 ft²2% of homes3% of homes
Year builtnewer than192024% of homes24% of homes

About 104 Commerce St

How much is 104 Commerce St, Lock Haven, PA worth?

The TopHap Estimate for 104 Commerce St, Lock Haven, PA is $101,341 as of Aug 30, 2026. The likely range is $87,799 to $114,883. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 104 Commerce St, Lock Haven, PA?

104 Commerce St, Lock Haven, PA has 3 bedrooms, 2 bathrooms, 1,708 square feet of living space and a 0.06-acre lot.

When was 104 Commerce St, Lock Haven, PA built?

104 Commerce St, Lock Haven, PA was built in 1920, making it 106 years old. It is a conventional home. The building has 2 stories.

What schools serve 104 Commerce St, Lock Haven, PA?

104 Commerce St, Lock Haven, PA is assigned to Dickey Elementary School (elementary); Central Mountain MIiddle School (middle), rated B; Central Mountain High School (high), rated C. All sit in Keystone Central School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 104 Commerce St, Lock Haven, PA compare to other homes in Lock Haven 17745?

Among the 6,246 homes in Lock Haven 17745, it is worth more than 7% of them ($101,341 against a typical $192,828), its price per square foot is higher than 6% of them ($59 against a typical $122), it is bigger than 59% of them (1,708 ft² against a typical 1,536 ft²), its lot is bigger than 2% of them (2,570 ft² against a typical 0.36 ac) and it is newer than 24% of them (1920 against a typical 1959). Measured against all of Clinton County, it is worth more than 12% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 104 Commerce St, Lock Haven, PA?

The 2025 property tax bill for 104 Commerce St, Lock Haven, PA was $3,406. The county assessed it at $66,900.

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