118 E Locust St, Ephrata, PA 17522 Property Records

Lancaster County property record for 118 E Locust St, Ephrata, PA 17522

Property Summary

Property Type	Commercial
Details	8 bd · 2 ba · 5,984 sqft · built 1935
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on File
Last Sale	$365,000 (Jun 2021)
Tax Bill	$6,566 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Dec 2018 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`260-88103-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-88103-0-0000`
Alternative APN	`2607M8D 2 6`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Units	4 Units
Stories	2 Stories
Building Area	5,984 sqft Gross Area
1st Floor Area	1,417 sqft
Upper Floors Area	1,287 sqft
Basement Area	1,267 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	180 sqft
Porch	Slab
Porch Area	474 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	118 E LOCUST ST
City	EPHRATA
State	PA
Zip	17522-2716
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CB
Legal Description	118 E LOCUST ST
Legal Lot Number	6
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	3
Census Block	3038
Census Tract	12200

Owner

118 E Locust St, a commercial property, is owned by a company that bought it in June 2021.

Source: Lancaster County records, as of May 27, 2026

Owner of Record	Company Name on File
Mailing Address	616 N LIME ST, LANCASTER, PA 17602-2218
Owner Type	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Deed, Transfer · Commercial Mortgage THE EPHRATA NATIONAL BANK
Dec 21, 2018	Deed, Transfer · Line of Credit UNIVEST BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Prior Sale	Dec 21, 2018 · Amount on File
Deed Document Number	20216609332
Record Updated	Oct 29, 2026

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Jun 11, 2021
Property Address	118 E LOCUST ST, EPHRATA, PA 17522-2716
Document Number	0006609332
Instrument Date	Jun 10, 2021
Instrument	6609332
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	REGAL ABSTRACT LANCASTER, REGAL ABSTRACT LANCASTER CIT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,650.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 N LIME ST, LANCASTER, PA 17602-2218

Mortgage

Document Number	0006609333
Date	Jun 11, 2021
Instrument	6609333

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Dec 21, 2018
Property Address	118 E LOCUST ST, EPHRATA, PA 17522-2716
Document Number	0006434921
Instrument Date	Dec 20, 2018
Instrument	6434921
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	35 DOWNY LN, BIRD IN HAND, PA 17505-9624

Mortgage

Document Number	0006434922
Date	Dec 21, 2018
Instrument	6434922

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 20, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 118 E Locust St was $6,566, up 2.3% from the year before.

Source: Lancaster County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Ephrata Borough
Unified School District	Ephrata Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$267,700 Land $47,500 Building $220,200	$267,700 Land $47,500 Building $220,200
2025	$6,566.00 (+2.29%)
2024	$6,419.00	$267,700 Land $47,500 Building $220,200
2018			$267,700 Land $47,500 Building $220,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 E Locust St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

The area around 118 E Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	EPHRATA AREA JOINT AUTHORITY serves 24,500 people · EPA ID PA7360045
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 813 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Fiber · Cable in parts of the area	2,000 / 2,000
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Upward Broadband Fixed Wireless	100 / 40
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile.

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