254 E Center St, Elysburg, PA 17824 Property Records

Northumberland County property record for 254 E Center St, Elysburg, PA 17824

Property Summary

Property Type	Single Family Home
Lot Size	0.413 acres (18,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Oct 2025)
Tax Bill	$3,476 (2026)
Deeds & Mortgages	Oct 2017 Mortgage Sep 2019 Line of Credit + 8 more
Flood Zone	Zone X (minimal risk)
APN	`040-02-044-234`

Property Details

APN / Parcel Number

Primary APN	`040-02-044-234`

Exterior

Lot Area	18,000 sqft (0.413 acres)
Lot Dimensions	180 ft deep x 100 ft wide

Location & Zoning

Street Address	254 E CENTER ST
City	ELYSBURG
State	PA
Zip	17824-7108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 100 X 180
Jurisdiction	NORTHUMBERLAND PA
Township / Civil Division	RALPHO
Census Block Group	3
Census Block	3026
Census Tract	80800

Owner

Source: Northumberland County records, as of March 31, 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	254 E CENTER ST, ELYSBURG, PA 17824-7108
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2017	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Sep 5, 2019	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Feb 17, 2022	Deed of Trust, Mortgage FIRST COLUMBIA BANK & TRUST CO
Feb 26, 2010	Deed of Trust, Mortgage SOVEREIGN BANK
Jun 7, 2013	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Jan 6, 2016	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
May 11, 2010	Deed of Trust, Mortgage SOVEREIGN BANK
Dec 13, 2016	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Feb 29, 2008	Deed of Trust, Mortgage SOVEREIGN BANK
Oct 21, 2025	Deed, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2025 · Amount on Record
Deed Sale	Oct 21, 2025 · Amount on Record
Deed Document Number	202514098
Deed Book / Page	3435 / 867
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002808/584
Date	Oct 19, 2017
Book Page	2808/584
Instrument	201716797

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002947/572
Date	Sep 5, 2019
Book Page	2947/572
Instrument	201913900

Lender

Name	SANTANDER BANK NA
Type	Bank
Address	READING, PA 19602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 21, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	254 E CENTER ST, ELYSBURG, PA 17824-7108

Mortgage

Document Number	003160/317
Date	Feb 17, 2022
Book Page	3160/317
Instrument	202202756

Lender

Name	FIRST COLUMBIA BANK & TRUST CO
Type	Bank
Address	BLOOMSBURG, PA 17815

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 11, 2042

February 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002209/508
Date	Feb 26, 2010
Book Page	2209/508
Instrument	201002387

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	READING, PA 19602

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 20, 2020

June 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002477/868
Date	Jun 7, 2013
Book Page	2477/868
Instrument	201308884

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2028

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002669/889
Date	Jan 6, 2016
Book Page	2669/889
Instrument	201600162

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2031

May 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002225/384
Date	May 11, 2010
Book Page	2225/384
Instrument	201006320

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	READING, PA 19602

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 1, 2020

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002741/274
Date	Dec 13, 2016
Book Page	2741/274
Instrument	201618823

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2031

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002040/421
Date	Feb 29, 2008
Book Page	2040/421
Instrument	200802907

Lender

Name	SOVEREIGN BANK
Type	Bank
Address	READING, PA 19602

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Feb 17, 2018

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHUMBERLAND PA
Recording Date	Oct 21, 2025
Property Address	254 E CENTER ST, ELYSBURG, PA 17824-7108
Document Number	003435/867
Book / Page	3435 / 867
Instrument Date	Oct 15, 2025
Instrument	202514098
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
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 by the Entirety
Address	254 E CENTER ST, ELYSBURG, PA 17824-7108

Mortgage

Document Number	0202514099
Date	Oct 21, 2025
Instrument	202514099

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Northumberland County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Northumberland County
County Subdivision	Ralpho Township
Unified School District	Southern Columbia Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,476.00 (+2.75%)	$28,650 (-) Land $3,230 Building $25,420
2025	$3,383.00 (+8.36%)	$28,650 (-) Land $3,230 Building $25,420
2024	$3,122.00	$28,650 (-) Land $3,230 Building $25,420
2023	$3,122.00	$28,650 Land $3,230 Building $25,420
1972			$28,650 Land $3,230 Building $25,420

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	56 (1978–2018)
Claims Outside the SFHA	30 of 56
Most Recent Claim	Aug 2018 · river or lake flooding
Claims by Event	Tropical Storm Lee, Sep 2011 · 20 claims Severe Storms, Flooding, And Mudslides, Jun 2006 · 14 claims Severe Storms And Flooding, Jan 1996 · 10 claims

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	Low lower than 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	AQUA PA ROARING CREEK DIVISION private · serves 43,000 people · EPA ID PA4490024
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Apr 2026
Monitoring and Reporting	3 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Service Electric Cable TV Cable	2,000 / 200
Verizon Fixed Wireless	300 / 20

May also be available: SkyPacket.

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