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Duplex (2 Units, Any Combination)Residential
Last sold for $15,600 on Oct 10, 2001

109 COMMERCE ST

LOCK HAVEN, PA 17745
6
Beds
2
Baths
4,102 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.
3,877 ft²
Lot SizeThe size of the land the home sits on, from county records.
1940
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$15,600 · Oct 10, 2001

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,938 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$96,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$81,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$96,500

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.57 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.Duplex (2 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Duplex Single
CountyCLINTON
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1972
Lot (acres)The size of the land the home sits on, from county records.0.09
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.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.None
PoolWhether the property has a pool, and what kind, such as in-ground.No

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 · 0.1 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

109 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.

  • Bigger than 95% of homes in Lock Haven 17745
  • Has a smaller lot than 96% of homes in Lock Haven 17745
  • Older than 68% of homes in Clinton County

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.

Living area4,102 ft²
SmallerTypical 1,520 ft²Bigger

Bigger than 95% of homes nearby

Lot size3,877 ft²
SmallerTypical 0.36 acBigger

Bigger than 4% of homes nearby

Year built1940
OlderTypical 1959Newer

Newer than 34% of homes nearby

How 109 Commerce St ranks against every home in each area.
MeasureThis homeLock Haven 17745Clinton County
Living areabigger than4,102 ft²95% of homes94% of homes
Lot sizebigger than3,877 ft²4% of homes6% of homes
Year builtnewer than194034% of homes32% of homes

About 109 Commerce St

When did 109 Commerce St, Lock Haven, PA last sell?

109 Commerce St, Lock Haven, PA last sold on Oct 10, 2001 for $15,600, according to the county's recorded deed.

How big is 109 Commerce St, Lock Haven, PA?

109 Commerce St, Lock Haven, PA has 6 bedrooms, 2 bathrooms, 4,102 square feet of living space and a 0.09-acre lot.

When was 109 Commerce St, Lock Haven, PA built?

109 Commerce St, Lock Haven, PA was built in 1940, making it 86 years old. It is a duplex single home. The building has 2 stories.

What schools serve 109 Commerce St, Lock Haven, PA?

109 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 109 Commerce St, Lock Haven, PA compare to other homes in Lock Haven 17745?

Among the 6,246 homes in Lock Haven 17745, it is bigger than 95% of them (4,102 ft² against a typical 1,520 ft²), its lot is bigger than 4% of them (3,877 ft² against a typical 0.36 ac) and it is newer than 34% of them (1940 against a typical 1959). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Commerce St, Lock Haven, PA?

The 2026 property tax bill for 109 Commerce St, Lock Haven, PA was $4,938. The county assessed it at $96,500.

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