119 E Franklin St, Ephrata, PA 17522 Property Records

Lancaster County property record for 119 E Franklin St, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,593 sqft · built 1948
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Feb 2023)
Tax Bill	$3,961 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260-27190-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-27190-0-0000`
Alternative APN	`2607M7C 8 5`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
Gross Area	3,626 sqft
1st Floor Area	1,593 sqft
Basement Area	1,593 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	220 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	119 E FRANKLIN ST
City	EPHRATA
State	PA
Zip	17522-2448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Description	119 E FRANKLIN ST
Legal Subdivision	MT VERNON ESTATES
Legal Lot Number	5
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	4
Census Block	4005
Census Tract	12200

Owner

119 E Franklin St is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	119 E FRANKLIN ST, EPHRATA, PA 17522-2448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Oct 19, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Feb 22, 2023	Deed, Transfer · Conventional Mortgage TRUIST BANK
Mar 20, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 20, 2018	Loan Modification, Mortgage · FHA Mortgage AMERICAN FIN'L RSRCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2023 · Amount on File
Deed Sale	Feb 22, 2023 · Amount on File
Prior Sale	Jun 1, 2006 · Amount on File
Deed Document Number	20236725154
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	119 E FRANKLIN ST, EPHRATA, PA 17522-2448
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006638881
Date	Oct 19, 2021
Instrument	6638881

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2046

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Feb 22, 2023
Property Address	119 E FRANKLIN ST, EPHRATA, PA 17522-2448
Document Number	0006725154
Instrument Date	Feb 16, 2023
Instrument	6725154
Transaction Type	Transfer
Record Updated	Apr 7, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 RESERVOIR RD, NEW HOLLAND, PA 17557-9598

Mortgage

Document Number	0006725155
Date	Feb 22, 2023
Instrument	6725155

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	119 E FRANKLIN ST, EPHRATA, PA 17522-2448
Document Number	0006391262
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Jun 18, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E FRANKLIN ST EPHRATA PA 175222448, EPHRATA, PA 17522-2448

Mortgage

Document Number	0006391262
Date	Apr 11, 2018
Instrument	6391262

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2048

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LANCASTER PA
Property Address	119 E FRANKLIN ST, EPHRATA, PA 17522-2448
Document Number	0006391261
Instrument Date	Mar 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 E FRANKLIN ST EPHRATA PA 175222448, EPHRATA, PA 17522-2448

Mortgage

Document Number	0006391261
Date	Apr 11, 2018
Instrument	6391261

Lender

Name	AMERICAN FIN'L RSRCS
Type	Funding / Finance Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 10, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 119 E Franklin St was $3,961 with a homeowner's exemption, 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		$161,500 Land $48,200 Building $113,300	$161,500 Land $48,200 Building $113,300
2025	$3,961.00 (+2.3%)
2024	$3,872.00	$161,500 Land $48,200 Building $113,300
2018			$161,500 Land $48,200 Building $113,300

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

Flood

FEMA maps place 119 E Franklin St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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 Claims	1 (1987)
Most Recent Claim	Sep 1987 · river or lake flooding

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 119 E Franklin 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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