195 Charles Rd, Lancaster, PA 17603 Property Records

Lancaster County property record for 195 Charles Rd, Lancaster, PA 17603

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,114 sqft · built 1956
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Oct 2025)
Tax Bill	$5,009 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`340-02020-0-0000`

Property Details

APN / Parcel Number

Primary APN	`340-02020-0-0000`
Alternative APN	`34013J11C6 20`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,114 sqft Living Area
Gross Area	3,065 sqft
1st Floor Area	891 sqft
Upper Floors Area	623 sqft
Basement Area	891 sqft
Finished Basement	600 sqft
Unfinished Basement	291 sqft
Game Room	Game Room

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	692 sqft
Deck Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	195 CHARLES RD
City	LANCASTER
State	PA
Zip	17603-6666
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	195 CHARLES RD
Legal Lot Number	20
Jurisdiction	LANCASTER PA
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3011
Census Tract	13505

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	195 CHARLES RD, LANCASTER, PA 17603-6666
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 8, 2021	Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2025 · Amount on Record
Deed Sale	Oct 3, 2025 · Amount on Record
Prior Sale	Jan 8, 2021 · Amount on Record
Deed Document Number	202539251
Prior Transfer Date	Sep 23, 2009
Prior Transfer Doc	0005813100
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Oct 3, 2025
Property Address	195 CHARLES RD, LANCASTER, PA 17603-6666
Document Number	20250039251
Instrument Date	Sep 17, 2025
Instrument	20250039251
Transaction Type	Transfer
Record Updated	Oct 10, 2025
Title Company	UNKNOWN, AMER LAND STLMT SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	195 CHELSEA LOOP, LANCASTER, PA 17602-1729

Mortgage

Document Number	20250039252
Date	Oct 3, 2025
Instrument	20250039252

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Jan 8, 2021
Property Address	195 CHARLES RD, LANCASTER, PA 17603-6666
Document Number	0006572719
Instrument Date	Dec 22, 2020
Instrument	6572719
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,585.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 CHARLES RD, LANCASTER, PA 17603-6666

Mortgage

Document Number	0006572720
Date	Jan 8, 2021
Instrument	6572720

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
County Subdivision	Lancaster Township
Unified School District	Lancaster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$171,200 (-) Land $43,100 Building $128,100	$171,200 (-) Land $43,100 Building $128,100
2025	$5,009.00 (+1.46%)	$171,200 (-) Land $43,100 Building $128,100
2024	$4,937.00 Homeowner's exemption	$171,200 Land $43,100 Building $128,100
2018			$171,200 Land $43,100 Building $128,100

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

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	Low lower than 98% of the US · lower than 98.3% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 703 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

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

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