31 E Main St, Ephrata, PA 17522 Property Records

Lancaster County property record for 31 E Main St, Ephrata, PA 17522

Property Summary

Property Type	Bank, Financial Building
Details	10,110 sqft · built 1925
Lot Size	0.25 acres (10,890 sqft)
Owner	Company Name on Record
Tax Bill	$33,188 (2026)
Deeds & Mortgages	Sep 2026 Sale Mar 2026 Mortgage + 19 more
Flood Zone	Zone X (minimal risk)
APN	`260-01194-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-01194-0-0000`

Interior

Stories	2 Stories
Building Area	10,110 sqft Gross Area
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1970
Exterior Material	Brick
Construction Type	Brick
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	10,890 sqft (0.25 acres)
Porch	Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace
Heating Fuel	Coal
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	31 E MAIN ST
City	LITITZ
State	PA
Zip	17543-1926
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	CB
Legal Description	31 E MAIN ST
Legal Lot Number	6
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	4
Census Block	4002
Census Tract	12200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ephrata Commercial Historic District listed 2006 · 36 contributing resources · NRIS 06001005

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lancaster County records, as of September 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Mar 30, 2026	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Mar 30, 2026	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Mar 30, 2026	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Mar 30, 2026	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Feb 9, 2026	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Jan 8, 2026	Deed of Trust, Mortgage · Construction Mortgage THE EPHRATA NATIONAL BANK
Dec 17, 2025	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Dec 17, 2025	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Dec 17, 2025	Deed of Trust, Mortgage · Stand-Alone First Mortgage THE EPHRATA NATIONAL BANK
Dec 11, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE EPHRATA NATIONAL BANK
Dec 10, 2025	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Nov 25, 2025	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Nov 4, 2025	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Oct 27, 2025	Deed of Trust, Mortgage THE EPHRATA NATIONAL BANK
Oct 27, 2025	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK
Nov 14, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Sep 1, 2026
Property Address	31 E MAIN ST, LITITZ, PA 17543-1926
Document Number	0000036332
Instrument Date	Aug 26, 2026
Instrument	202636332
Transaction Type	Transfer
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Investor	Possibly a Property Investor

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 HILLCREST RD, LANCASTER, PA 17603-2416

Mortgage

Document Number	20260011984
Date	Mar 30, 2026
Instrument	20260011984

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1507 HILLCREST RD, LANCASTER, PA 17603-2416

Mortgage

Document Number	20260011987
Date	Mar 30, 2026
Instrument	20260011987

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 OAKWOOD LN, LITITZ, PA 17543-8437

Mortgage

Document Number	20260011991
Date	Mar 30, 2026
Instrument	20260011991

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 JAMES ST, LEOLA, PA 17540-1425

Mortgage

Document Number	20260012061
Date	Mar 30, 2026
Instrument	20260012061

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 GEORGETOWN RD, RONKS, PA 17572-9523

Mortgage

Document Number	20260011271
Date	Mar 24, 2026
Instrument	20260011271

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Feb 20, 2026
Title Company	BANKERS SETTLEMENT SERVICES, BANKERS SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6285 BYERLY RD RB, RB, NARVON, PA 17555-9415

Mortgage

Document Number	20260005229
Date	Feb 9, 2026
Instrument	20260005229

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2049 TURKEY HILL RD, NARVON, PA 17555-9327

Mortgage

Document Number	20260001753
Date	Jan 14, 2026
Instrument	20260001753

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Jan 19, 2026
Title Company	HOMESALE SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	750 W RIDGE RD, ELIZABETHTOWN, PA 17022-8519

Mortgage

Document Number	20260000999
Date	Jan 8, 2026
Instrument	20260000999

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 DUTCHLAND AVE, EPHRATA, PA 17522-1665

Mortgage

Document Number	20250050722
Date	Dec 17, 2025
Instrument	20250050722

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 DUTCHLAND AVE, EPHRATA, PA 17522-1665

Mortgage

Document Number	20250050664
Date	Dec 17, 2025
Instrument	20250050664

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Jan 2, 2026
Title Company	ABSTRACT ASSOCIATES, ABSTRACT ASSC OF LANCASTER I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	555 E 28TH DIVISION HWY, LITITZ, PA 17543-9766

Mortgage

Document Number	20250050653
Date	Dec 17, 2025
Instrument	20250050653

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Dec 26, 2025
Title Company	ABSTRACT ASSOCIATES, ABSTRACT ASSC OF LANCASTER I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 JASMINE LN, LANCASTER, PA 17601-7139

Mortgage

Document Number	20250049596
Date	Dec 11, 2025
Instrument	20250049596

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2091 MILTON GROVE RD, MOUNT JOY, PA 17552-8617

Mortgage

Document Number	20250049388
Date	Dec 10, 2025
Instrument	20250049388

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Dec 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 JASMINE LN, LANCASTER, PA 17601-7139

Mortgage

Document Number	20250047212
Date	Nov 25, 2025
Instrument	20250047212

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Nov 18, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 W MAIN ST, EPHRATA, PA 17522-2013

Mortgage

Document Number	20250043982
Date	Nov 4, 2025
Instrument	20250043982

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Nov 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 RANCK RD, NEW HOLLAND, PA 17557-9416

Mortgage

Document Number	20250042791
Date	Oct 28, 2025
Instrument	20250042791

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 JASMINE LN, LANCASTER, PA 17601-7139

Mortgage

Document Number	20250042522
Date	Oct 27, 2025
Instrument	20250042522

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1364 JASMINE LN, LANCASTER, PA 17601-7139

Mortgage

Document Number	20250042527
Date	Oct 27, 2025
Instrument	20250042527

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Transaction Type	Mortgage
Record Updated	Nov 4, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 COCALICO CREEK RD, EPHRATA, PA 17522-9452

Mortgage

Document Number	20250042161
Date	Oct 23, 2025
Instrument	20250042161

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank
Address	EPHRATA, PA 17522

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER PA
Recording Date	Nov 14, 2023
Property Address	31 E MAIN ST, EPHRATA, PA 17522-2850
Document Number	0006761228
Map Reference	MB 2023-0128-J
Instrument Date	Oct 25, 2023
Instrument	6761228
Transaction Type	Transfer
Record Updated	Dec 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	925 S RIDGE RD, DENVER, PA 17517-8713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 S RIDGE RD, DENVER, PA 17517-8713

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	$33,188.00 (+4.98%)	$1,288,800 (-) Land $60,000 Building $1,228,800	$1,288,800 (-) Land $60,000 Building $1,228,800
2025	$31,615.00 (+2.29%)
2024	$30,906.00 (+7.09%)	$1,288,800 (-) Land $60,000 Building $1,228,800
2023	$28,860.00	$1,288,800 Land $60,000 Building $1,228,800
2018			$1,288,800 Land $60,000 Building $1,228,800

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 Claims	1 (1987)
Most Recent Claim	Sep 1987 · river or lake flooding

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 813 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
Verizon Fixed Wireless	300 / 20
Upward Broadband Fixed Wireless	100 / 40
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile.

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