York County property record for 196 Lay Rd, Delta, PA 17314
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1999 |
| Lot Size | 0.97 acres (42,253 sqft) |
| Owner | Individual Name on File |
| Last Sale | $175,000 (Feb 2012) |
| Tax Bill | $5,228 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-000-BP-0071.C0-00000 |
| Primary APN | 43-000-BP-0071.C0-00000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,620 sqft Living Area |
| 1st Floor Area | 1,620 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 1,080 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Lot Area | 42,253 sqft (0.97 acres) |
| Terrain | Rolling |
| Porch | Porch |
| Porch Area | 504 sqft |
| Patio Area | 829 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 196 LAY RD |
|---|---|
| City | DELTA |
| State | PA |
| Zip | 17314-8507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | LOT 2; PP PP-858 |
| Legal Subdivision | PLAN OF LOTS OF RICHARD C & MARY M SMITH |
| Jurisdiction | YORK PA |
| Township / Civil Division | PEACH BOTTOM |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 24001 |
196 Lay Rd is owned and occupied by an individual who acquired it in November 2025.
Source: York County records, as of April 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 196 LAY RD, DELTA, PA 17314-8507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 2012 · Amount on File |
| Deed Sale | Feb 6, 2012 · Amount on File |
| Prior Sale | Jul 1, 2009 · Amount on File |
| Deed Document Number | 20125930 |
| Deed Book / Page | 2160 / 3382 |
| Last Transfer Date | Nov 14, 2025 |
| Transfer Doc | 0000046577 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | YORK PA |
| Recording Date | Dec 2, 2025 |
| Property Address | 196 LAY RD, DELTA, PA 17314-8507 |
| Document Number | 0000046577 |
| Book / Page | 2881 / 1033 |
| Map Reference | MB PP PG 858 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 2025046577 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 LAY ROADM, DELTA, PA 17314-8507 |
| Document Number | 0000046578 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025046578 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
The 2026 property tax bill for 196 Lay Rd was $5,228, up 2.2% from the year before.
Source: York County assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | York County |
| County Subdivision | Peach Bottom Township |
| Unified School District | South Eastern School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,228.00 (+2.17%) | $169,910 (-) Land $34,740 Building $135,170 | |
| 2025 | $5,117.00 | $169,910 (-) Land $34,740 Building $135,170 | |
| 2024 | $5,117.00 | $169,910 Land $34,740 Building $135,170 | |
| 2006 | $169,910 Land $34,740 Building $135,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 196 Lay Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective September 27, 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 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2011 · Tropical Storm Lee |
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 risk around 196 Lay Rd is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Armstrong Cable | 1,000 / 20 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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