Luzerne County property record for 1 Thomas St, Exeter, PA 18643
| Property Type | Single Family Home |
|---|---|
| Details | 1,639 sqft · built 1937 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $133,560 (Mar 2018) |
| Tax Bill | $4,109 (2026) |
| Deeds & Mortgages | Oct 2023 Mortgage Jan 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 16-E11NW4-013-023 |
| Primary APN | 16-E11NW4-013-023 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,639 sqft Living Area |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 127 ft deep x 40 ft wide |
| Old Parcel Number | 16-E11NW4-013-023 |
|---|---|
| Street Address | 1 THOMAS ST |
| City | EXETER |
| State | PA |
| Zip | 18643-1526 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 16-4-586-4 1 THOMAS ST |
| Legal Subdivision | MAP OF THOMAS REALTY COMPANY |
| Legal Block | 13 |
| Legal Lot Number | 23 |
| Jurisdiction | LUZERNE PA |
| Township / Civil Division | EXETER |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 211101 |
Source: Luzerne County records, as of August 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1 THOMAS ST, EXETER, PA 18643-1526 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 12, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Mar 1, 2018 | Grant Deed, Transfer · FHA Mortgage STEARNS LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2018 · Amount on Record |
| Deed Sale | Mar 1, 2018 · Amount on Record |
| Prior Sale | Feb 18, 2005 · Amount on Record |
| Deed Document Number | 201811141 |
| Deed Book / Page | 3018 / 38387 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUZERNE PA |
| Property Address | 1 THOMAS ST, EXETER, PA 18643-1526 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000057431 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | 3023/205905 |
| Instrument | 202357431 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUZERNE PA |
| Property Address | 1 THOMAS ST, EXETER, PA 18643-1526 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 1 THOMKAS STREET, EXETER, PA 18643-1526 |
| Document Number | 0000002371 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 3022/10763 |
| Instrument | 202202371 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LUZERNE PA |
| Recording Date | Mar 1, 2018 |
| Property Address | 1 THOMAS ST, EXETER, PA 18643-1526 |
| Document Number | 0000011141 |
| Book / Page | 003018 / 038387 |
| Instrument Date | Feb 28, 2018 |
| Instrument | 11141 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,335.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1 THOMAS ST EXETER PA 186431526, EXETER, PA 18643-1526 |
| Document Number | 11142 |
|---|---|
| Date | Mar 1, 2018 |
| Book Page | 003018/038420 |
| Instrument | 11142 |
| Name | STEARNS LNDG |
|---|---|
| Address | SANTA ANA, CA 92707-8788 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 29, 2048 |
Source: Luzerne County assessment roll, as of August 13, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Luzerne County |
| Municipality | Exeter Borough |
| Unified School District | Wyoming Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,109.00 (+0.02%) | $134,300 (-) Land $17,600 Building $116,700 | |
| 2025 | $4,108.00 (+8.73%) | ||
| 2024 | $134,300 Land $17,600 Building $116,700 | ||
| 2023 | $3,778.00 | ||
| 2009 | $134,300 Land $17,600 Building $116,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 11, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 76 policies |
| Nearby Flood Policies | 76 in force |
| Nearby Flood Claims | 28 (1978–2025) |
| Claims Outside the SFHA | 22 of 28 |
| Most Recent Claim | Jul 2025 · other causes |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 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 | PAW NESBITT private · serves 52,640 people · EPA ID PA2409010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 171 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Fiber | 1,500 / 1,500 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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