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Residential (General/Single)Residential
$69,593$92 / 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 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $34,000 on Feb 27, 2004

20 COMMERCE ST # R

LOCK HAVEN, PA 17745
3
Beds
1
Baths
760 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.
1,525 ft²
Lot SizeThe size of the land the home sits on, from county records.
1945
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$70K
$59K low$80K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$34,000 · Feb 27, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.515%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$316,500
THE MUNCY BANK & TRUST COMPANY · recorded Apr 19, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,184 (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.$42,900 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$13,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$29,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$42,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$42,900

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.77 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
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.Ranch
CountyClinton
Lot (acres)The size of the land the home sits on, from county records.0.04
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
CoolingThe type of cooling or air conditioning in the home.None

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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

20 Commerce St # R 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 98% of homes in Lock Haven 17745
  • Costs less per square foot than 73% of homes in Lock Haven 17745
  • Smaller than 96% of homes in Lock Haven 17745
  • Among the smallest lots in Lock Haven 17745
  • Older than 66% of homes in Clinton County

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
$71K$524K

This home is worth more than 2% 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$69,593
CheaperTypical $192,942Pricier

Pricier than 2% of homes nearby

Price per ft²$92
CheaperTypical $122Pricier

Pricier than 27% of homes nearby

Living area760 ft²
SmallerTypical 1,528 ft²Bigger

Bigger than 4% of homes nearby

Lot size1,525 ft²
SmallerTypical 0.37 acBigger

Smaller than almost all homes nearby

Year built1945
OlderTypical 1959Newer

Newer than 36% of homes nearby

How 20 Commerce St # R ranks against every home in each area.
MeasureThis homeLock Haven 17745Clinton County
Estimated valuepricier than$69,5932% of homes7% of homes
Price per ft²pricier than$9227% of homes31% of homes
Living areabigger than760 ft²4% of homes7% of homes
Lot sizebigger than1,525 ft²almost no homesalmost no homes
Year builtnewer than194536% of homes34% of homes

About 20 Commerce St # R

How much is 20 Commerce St # R, Lock Haven, PA worth?

The TopHap Estimate for 20 Commerce St # R, Lock Haven, PA is $69,593 as of Jul 14, 2026. The likely range is $58,953 to $80,233. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20 Commerce St # R, Lock Haven, PA last sell?

20 Commerce St # R, Lock Haven, PA last sold on Feb 27, 2004 for $34,000, according to the county's recorded deed.

How big is 20 Commerce St # R, Lock Haven, PA?

20 Commerce St # R, Lock Haven, PA has 3 bedrooms, 1 bathrooms, 760 square feet of living space and a 0.04-acre lot.

When was 20 Commerce St # R, Lock Haven, PA built?

20 Commerce St # R, Lock Haven, PA was built in 1945, making it 81 years old. It is a ranch home. The building has 1 story.

What schools serve 20 Commerce St # R, Lock Haven, PA?

20 Commerce St # R, 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 20 Commerce St # R, Lock Haven, PA compare to other homes in Lock Haven 17745?

Among the 6,245 homes in Lock Haven 17745, it is worth more than 2% of them ($69,593 against a typical $192,942), its price per square foot is higher than 27% of them ($92 against a typical $122), it is bigger than 4% of them (760 ft² against a typical 1,528 ft²), its lot is bigger than almost none of them (1,525 ft² against a typical 0.37 ac) and it is newer than 36% of them (1945 against a typical 1959). Measured against all of Clinton County, it is worth more than 7% 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 20 Commerce St # R, Lock Haven, PA?

The 2025 property tax bill for 20 Commerce St # R, Lock Haven, PA was $2,184. The county assessed it at $42,900.

More homes on Commerce St # R

Closest homes

More homes in Lock Haven 17745

Assigned schools

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