138 E Chestnut St, Ephrata, PA 17522 Property Records

Lancaster County property record for 138 E Chestnut St, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,243 sqft · built 1940
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,600 (Jun 2018)
Tax Bill	$2,997 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-07245-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-07245-0-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,243 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	715 sqft
Upper Floors Area	528 sqft
Basement Area	528 sqft
Game Room	Game Room

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Material	Slate
Lot Area	20,473 sqft (0.47 acres)
Porch	Slab
Porch Area	209 sqft
Deck Area	225 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	138 E CHESTNUT ST
City	EPHRATA
State	PA
Zip	17522-2207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	3
Census Block	3030
Census Tract	12200

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	138 E CHESTNUT ST, EPHRATA, PA 17522-2207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST ALLIANCE HOME MORTGAGE LLC
Jun 13, 2018	Deed, Transfer · Conventional Mortgage FULTON BANK NA
Jan 2, 2018	Grant Deed, Transfer ABSTRACT ASSOCIATES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2018 · Amount on Record
Deed Sale	Jun 13, 2018 · Amount on Record
Prior Sale	Jan 2, 2018 · Amount on Record
Deed Document Number	20186402238
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	138 E CHESTNUT ST, EPHRATA, PA 17522-2207
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006532531
Date	Jul 14, 2020
Instrument	6532531

Lender

Name	FIRST ALLIANCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	CRANFORD, NJ 07016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

June 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Jun 13, 2018
Property Address	138 E CHESTNUT ST, EPHRATA, PA 17522-2207
Document Number	0006402238
Instrument Date	Jun 6, 2018
Instrument	6402238
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	SIGNATURE ABSTRACT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,986.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 E CHESTNUT ST, EPHRATA, PA 17522-2207

Mortgage

Document Number	0006402239
Date	Jun 13, 2018
Instrument	6402239

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Mortgage

Document Number	0006402241
Date	Jun 13, 2018
Instrument	6402241

Lender

Name	PENNSYLVANIA HOUSING FINANCE AGENCY
Type	Government Agency
Address	HARRISBURG, PA 17105

Agreement

Amount	Amount Recorded

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER PA
Recording Date	Jan 2, 2018
Property Address	138 E CHESTNUT ST, EPHRATA, PA 17522-2207
Document Number	0006375312
Instrument Date	Jan 2, 2018
Instrument	6375312
Transaction Type	Transfer
Record Updated	Jan 18, 2018
Title Company	ABSTRACT ASSOCIATES

Transaction

Amount	Amount Recorded
Tax	$1,220.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	23 OLDE MILL CT LITITZ PA 175438323, LITITZ, PA 17543-8323

Tax Assessment & Valuation

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		$122,200 (-) Land $50,100 Building $72,100	$122,200 (-) Land $50,100 Building $72,100
2025	$2,997.00 (+2.29%)
2024	$2,930.00	$122,200 Land $50,100 Building $72,100
2018			$122,200 Land $50,100 Building $72,100

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 · 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

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 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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