25 Ray Dr, Denver, PA 17517 Property Records

Lancaster County property record for 25 Ray Dr, Denver, PA 17517

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,664 sqft · built 1991
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2021)
Tax Bill	$2,889 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`080-34067-0-0000`

Property Details

APN / Parcel Number

Primary APN	`080-34067-0-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,664 sqft Living Area
Gross Area	1,760 sqft
1st Floor Area	1,664 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Modular
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	132 sqft
Deck Area	330 sqft
Patio Area	330 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	25 RAY DR
City	DENVER
State	PA
Zip	17517-9233
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	25 RAY DR
Legal Subdivision	MUDDY CREEK VILLAGE PH 03
Legal Lot Number	18
Jurisdiction	LANCASTER PA
Township / Civil Division	EAST COCALICO
Census Block Group	2
Census Block	2037
Census Tract	12501

Owner

25 Ray Dr is owned and occupied by two individuals who bought it in July 2021.

Source: Lancaster County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	25 RAY DR, DENVER, PA 17517-9233
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2021	Deed, Transfer · Conventional Mortgage THE EPHRATA NATIONAL BANK
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FULTON BANK NA
Apr 11, 2019	Deed of Trust, Mortgage · ARM FULTON BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2021 · Amount on File
Deed Sale	Jul 6, 2021 · Amount on File
Prior Sale	Jul 22, 2005 · Amount on File
Deed Document Number	20216615274
Record Updated	Oct 29, 2026

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Jul 6, 2021
Property Address	25 RAY DR, DENVER, PA 17517-9233
Document Number	0006615274
Map Reference	MB J VOL 164 PG 108
Instrument Date	Jul 2, 2021
Instrument	6615274
Transaction Type	Transfer
Record Updated	Jul 22, 2021
Title Company	CAPSTONE LAND TRANSFER LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	25 RAY DR, DENVER, PA 17517-9233

Mortgage

Document Number	0006615275
Date	Jul 6, 2021
Instrument	6615275

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	1 Months
Due	Aug 1, 2021

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	25 RAY DR, DENVER, PA 17517-9233
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	STONE ABSTRACT INC, KEYSTONE ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006588058
Date	Mar 16, 2021
Instrument	6588058

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Apr 1, 2036
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.87%
Index	1-Year LIBOR
Max Rate	7.87%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	25 RAY DR, DENVER, PA 17517-9233
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	KEYSTONE ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006451476
Date	Apr 11, 2019
Instrument	6451476

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	May 1, 2034
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 25 Ray Dr was $2,889 with a homeowner's exemption, up 5.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$109,900 Land $40,900 Building $69,000	$109,900 Land $40,900 Building $69,000
2025	$2,889.00 (+5.55%)
2024	$2,737.00	$109,900 Land $40,900 Building $69,000
2018			$109,900 Land $40,900 Building $69,000

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

Flood

FEMA maps place 25 Ray Dr 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.

Wildfire

Wildfire risk around 25 Ray Dr 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	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	EAST COCALICO TOWNSHIP AUTH serves 6,735 people · EPA ID PA7360113
Water Source	Groundwater influenced by surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Trichloroethylene resolved · Jan 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 120 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 DSL · Fiber in parts of the area	200 / 20

May also be available: Upward Broadband, Verizon.

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