Lancaster County property record for 124 E Chestnut St, Ephrata, PA 17522
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 2,440 sqft · built 1938 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $157,000 (Jan 2002) |
| Tax Bill | $4,609 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Oct 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 260-99780-0-0000 |
| Primary APN | 260-99780-0-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Living Area |
| Gross Area | 3,836 sqft |
| 1st Floor Area | 996 sqft |
| Upper Floors Area | 1,103 sqft |
| Basement Area | 996 sqft |
| Game Room | Game Room |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Garage Area | 750 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 400 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 124 E CHESTNUT ST |
|---|---|
| City | EPHRATA |
| State | PA |
| Zip | 17522-2207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RHD |
| Legal Description | 124 E CHESTNUT ST |
| Legal Lot Number | 17 |
| Jurisdiction | LANCASTER PA |
| Township / Civil Division | EPHRATA |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 12200 |
124 E Chestnut St is owned and occupied by two individuals who bought it in January 2002.
Source: Lancaster County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 124 E CHESTNUT ST, EPHRATA, PA 17522-2207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2025 | Deed of Trust, Mortgage · Line of Credit PSECU |
| Oct 28, 2020 | Deed of Trust, Mortgage · Line of Credit PSECU |
| Sep 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2002 · Amount on File |
| Deed Sale | Jan 29, 2002 · Amount on File |
| Deed Document Number | 20025044653 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 124 E CHESTNUT ST, EPHRATA, PA 17522-2207 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN STLMT SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 20250038911 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 20250038911 |
| Name | PSECU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, PA 17106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 124 E CHESTNUT ST, EPHRATA, PA 17522-2207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RADIAN SETTLEMENT SVC INC |
| Name | Verified Name |
|---|
| Document Number | 0006556045 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 6556045 |
| Name | PSECU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, PA 17106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 27, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 124 E CHESTNUT ST, EPHRATA, PA 17522-2207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | KEYSTONE ABSTRACT INC |
| Name | Verified Name |
|---|
| Document Number | 0006545630 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 6545630 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 124 E Chestnut St was $4,609 with a homeowner's exemption, up 2.3% from the year before.
Source: Lancaster County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Lancaster County |
| Municipality | Ephrata Borough |
| Unified School District | Ephrata Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $187,900 Land $51,200 Building $136,700 | $187,900 Land $51,200 Building $136,700 | |
| 2025 | $4,609.00 (+2.29%) | ||
| 2024 | $4,506.00 | $187,900 Land $51,200 Building $136,700 | |
| 2018 | $187,900 Land $51,200 Building $136,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 124 E Chestnut 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.
The area around 124 E Chestnut 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 369 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 |
May also be available: Upward Broadband, Verizon.
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