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Single Family ResidenceResidential
$268,843$147 / 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 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $100,000 on Jun 3, 2010

28 SPRUCE ST

LOCK HAVEN, PA 17745
3
Beds
2
Baths
1,824 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.
0.53 ac
Lot SizeThe size of the land the home sits on, from county records.
1967
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.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$269K
$262K low$275K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,000 · Jun 3, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,725 (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.$119,800 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$101,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$119,800

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.35
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
19
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
90
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
4
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
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.1982
Lot (acres)The size of the land the home sits on, from county records.0.53
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.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.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

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
Woodward Elementary SchoolB-
Elementary · Grades KG–5 · 5.5 mi
M
Central Mountain MIiddle SchoolC-
Middle · Grades 6–8 · 9.6 mi
H
Central Mountain High SchoolD+
High · Grades 9–12 · 9.9 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

28 Spruce 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 more than 79% of homes in Lock Haven 17745
  • Costs more per square foot than 68% of homes in Clinton County
  • Bigger than 67% 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
$72K$501K

This home is worth more than 79% 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$268,843
CheaperTypical $195,194Pricier

Pricier than 79% of homes nearby

Price per ft²$147
CheaperTypical $122Pricier

Pricier than 67% of homes nearby

Living area1,824 ft²
SmallerTypical 1,534 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.53 ac
SmallerTypical 0.36 acBigger

Bigger than 61% of homes nearby

Year built1967
OlderTypical 1959Newer

Newer than 59% of homes nearby

How 28 Spruce St ranks against every home in each area.
MeasureThis homeLock Haven 17745Clinton County
Estimated valuepricier than$268,84379% of homes77% of homes
Price per ft²pricier than$14767% of homes68% of homes
Living areabigger than1,824 ft²65% of homes67% of homes
Lot sizebigger than0.53 ac61% of homes49% of homes
Year builtnewer than196759% of homes54% of homes

About 28 Spruce St

How much is 28 Spruce St, Lock Haven, PA worth?

The TopHap Estimate for 28 Spruce St, Lock Haven, PA is $268,843 as of Oct 21, 2026. The likely range is $262,216 to $275,470. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28 Spruce St, Lock Haven, PA last sell?

28 Spruce St, Lock Haven, PA last sold on Jun 3, 2010 for $100,000, according to the county's recorded deed.

How big is 28 Spruce St, Lock Haven, PA?

28 Spruce St, Lock Haven, PA has 3 bedrooms, 2 bathrooms, 1,824 square feet of living space and a 0.53-acre lot.

When was 28 Spruce St, Lock Haven, PA built?

28 Spruce St, Lock Haven, PA was built in 1967, making it 59 years old. It is a ranch home. The building has 1 story.

What schools serve 28 Spruce St, Lock Haven, PA?

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

How does 28 Spruce St, 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 79% of them ($268,843 against a typical $195,194), its price per square foot is higher than 67% of them ($147 against a typical $122), it is bigger than 65% of them (1,824 ft² against a typical 1,534 ft²), its lot is bigger than 61% of them (0.53 ac against a typical 0.36 ac) and it is newer than 59% of them (1967 against a typical 1959). Measured against all of Clinton County, it is worth more than 77% 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 28 Spruce St, Lock Haven, PA?

The 2026 property tax bill for 28 Spruce St, Lock Haven, PA was $2,725. The county assessed it at $119,800.

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