123 E Clay St, Lancaster, PA 17602 Property Records

Lancaster County property record for 123 E Clay St, Lancaster, PA 17602

Property Summary

Property Type	Commercial
Details	3,969 sqft · built 1918
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,589 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`336-98986-0-0000`

Property Details

APN / Parcel Number

Primary APN	`336-98986-0-0000`
Alternative APN	`33612K9D 4 49`

Interior

Units	2 Units
Stories	2 Stories
Building Area	3,969 sqft Gross Area
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1978
Exterior Material	Brick
Construction Type	Brick
Lot Area	4,792 sqft (0.11 acres)
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces
Porch	Porch
Porch Area	210 sqft
Deck Area	240 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	123 E CLAY ST
City	LANCASTER
State	PA
Zip	17602-2084
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	R3
Legal Description	123 E CLAY ST
Legal Lot Number	49
Jurisdiction	LANCASTER PA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1006
Census Tract	400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lancaster City Historic District listed 2001 · 13,488 contributing resources · NRIS 01000956

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lancaster County records, as of May 27, 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	714 DARBY LN, LANCASTER, PA 17601-2008
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit ACNB BANK
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit ACNB BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 28, 1998
Transfer Doc	0998062997
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	123 E CLAY ST, LANCASTER, PA 17602-2084
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 DARBY LN, LANCASTER, PA 17601-2008

Mortgage

Document Number	20250045148
Date	Nov 12, 2025
Instrument	20250045148

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	123 E CLAY ST, LANCASTER, PA 17602-2084
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	714 DARBY LN, LANCASTER, PA 17601-2008

Mortgage

Document Number	20250045150
Date	Nov 12, 2025
Instrument	20250045150

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Lancaster City
Unified School District	Lancaster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,800 (-) Land $47,100 Building $192,700	$239,800 (-) Land $47,100 Building $192,700
2025	$9,589.00 (+1.06%)
2024	$9,488.00	$239,800 Land $47,100 Building $192,700
2018			$239,800 Land $47,100 Building $192,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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	CITY OF LANCASTER serves 120,000 people · EPA ID PA7360058
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024 Haloacetic acids resolved · Oct 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 1,188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, T-Mobile.

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