324 Spruce St, Moosic, PA 18507 Property Records

Lackawanna County property record for 324 Spruce St, Moosic, PA 18507

Property Summary

Property Type	Single Family Home
Details	1,494 sqft · built 1940
Lot Size	0.132 acres (5,760 sqft)
Owner	2 Individual Names on File
Last Sale	$226,000 (Jan 2024)
Tax Bill	$29,248 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18416030025`

Property Details

APN / Parcel Number

Primary APN	`18416030025`

Interior

Building Area	1,494 sqft Total Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	5,760 sqft (0.132 acres)
Lot Dimensions	90 ft deep x 64 ft wide

Location & Zoning

Street Address	324 SPRUCE ST
City	MOOSIC
State	PA
Zip	18507-1154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	64X90 STARK LAND CO L 84 & 85 W-01 B-010 L-007
Legal Subdivision	STARK LAND CO
Legal Block	10
Legal Lot Number	7
Jurisdiction	LACKAWANNA PA
Township / Civil Division	MOOSIC
Census Block Group	3
Census Block	3011
Census Tract	112800

Owner

324 Spruce St is owned and occupied by two individuals who bought it in January 2024.

Source: Lackawanna County records, as of April 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 SPRUCE ST, MOOSIC, PA 18507-1154
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
Jan 30, 2024	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 16, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2024 · Amount on File
Deed Sale	Jan 30, 2024 · Amount on File
Prior Sale	Feb 16, 2016 · Amount on File
Deed Document Number	20241352
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	LACKAWANNA PA
Recording Date	Jan 30, 2024
Property Address	324 SPRUCE ST, MOOSIC, PA 18507-1154
Document Number	0000001352
Map Reference	MB 1 PG 4
Instrument Date	Jan 25, 2024
Instrument	202401352
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SPRUCE ST, MOOSIC, PA 18507-1154

Mortgage

Document Number	0000001353
Date	Jan 30, 2024
Instrument	202401353

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACKAWANNA PA
Property Address	324 SPRUCE ST, MOOSIC, PA 18507-1154
Transaction Type	Mortgage
Record Updated	Sep 10, 2021
Title Company	SECURED LAND TRANSFER LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020201
Date	Aug 30, 2021
Instrument	202120201

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LACKAWANNA PA
Property Address	324 SPRUCE ST, MOOSIC, PA 18507-1154
Document Number	0000005857
Instrument Date	Apr 16, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	324 SPRUCE ST MOOSIC PA 185071154, MOOSIC, PA 18507-1154

Mortgage

Document Number	0000005857
Date	Apr 22, 2020
Instrument	5857

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Apr 21, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 324 Spruce St was $29,248 with a homeowner's exemption.

Source: Lackawanna County assessment roll, as of April 7, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lackawanna County
Municipality	Moosic Borough
Unified School District	Riverside School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$29,248.00 Homeowner's exemption	$214,260 Land $35,080 Building $179,180
2024	$1,501.00	$7,000 (-) Building $7,000	$214,260 Land $35,080 Building $179,180
2023	$1,501.00 Homeowner's exemption	$7,000 Building $7,000
			$7,000 Building $7,000

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

Flood

FEMA maps place 324 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 17, 2021 · 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
Nearby Flood Policies	5 in force
Nearby Flood Claims	15 (1983–2006)
Claims Outside the SFHA	12 of 15
Most Recent Claim	Jun 2006 · Severe Storms, Flooding, And Mudslides
Claims by Event	Tropical Depression Ivan, Sep 2004 · 3 claims Severe Storms And Flooding, Jan 1996 · 3 claims Hurricane Gloria, Sep 1985 · 3 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

Wildfire risk around 324 Spruce St 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	PAW NESBITT private · serves 52,640 people · EPA ID PA2409010
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 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	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 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
ICON Technologies Fixed Wireless	100 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Verizon.

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