Franklin County property record for 345 Elder St, Chambersburg, PA 17201
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,214 sqft · built 1950 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jul 2021) |
| Tax Bill | $2,951 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Apr 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-1C33-5 |
| Primary APN | 05-1C33-5 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 6 Rooms |
| Building Area | 1,214 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Block |
| Lot Area | 6,534 sqft (0.15 acres) |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Street Address | 345 ELDER ST |
|---|---|
| City | CHAMBERSBURG |
| State | PA |
| Zip | 17201-1123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | FRANKLIN PA |
| Township / Civil Division | CHAMBERSBURG |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 11200 |
345 Elder St is owned and occupied by an individual who bought it in July 2021.
Source: Franklin County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| 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.
| Date | Document |
|---|---|
| Mar 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Jul 23, 2021 | Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC |
| Apr 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MERCHANTS TR/CHAMBER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 23, 2021 · Amount on File |
| Deed Sale | Jul 23, 2021 · Amount on File |
| Deed Document Number | 202120003 |
| Prior Transfer Date | Jul 19, 2006 |
| Prior Transfer Doc | 3208000007 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN PA |
| Property Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Name | Verified Name |
|---|---|
| Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Document Number | 0000005522 |
|---|---|
| Date | Mar 22, 2024 |
| Instrument | 202405522 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 329 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN PA |
| Property Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Investor | Possibly a Property Investor |
| Document Number | 0000007308 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 202307308 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN PA |
| Recording Date | Jul 23, 2021 |
| Property Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Document Number | 0000020003 |
| Instrument Date | Jul 20, 2021 |
| Instrument | 202120003 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Investor | Possibly a Property Investor |
| Document Number | 0000020004 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 202120004 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN PA |
| Property Address | 345 ELDER ST, CHAMBERSBURG, PA 17201-1123 |
| Document Number | 0000006587 |
| Instrument Date | Apr 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2019 |
| Title Company | BANKERS SETTLEMENT SERVICES CAPITAL RE, BANKERS SETTLEMENT SVCS CAP RE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 345 ELDER ST CHAMBERSBURG PA 172011123, CHAMBERSBURG, PA 17201-1123 |
| Document Number | 0000006587 |
|---|---|
| Date | Apr 17, 2019 |
| Instrument | 6587 |
| Name | FARMERS & MERCHANTS TR/CHAMBER |
|---|---|
| Address | CHAMBERSBURG, PA 17201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 16, 2034 |
The 2026 property tax bill for 345 Elder St was $2,951, up 2% from the year before.
Source: Franklin County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Franklin County |
| Municipality | Chambersburg Borough |
| Unified School District | Chambersburg Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,951.00 (+2.04%) | $14,580 Land $670 Building $13,910 | |
| 2025 | $2,892.00 (+4.25%) | ||
| 2024 | $2,774.00 | $14,580 Land $670 Building $13,910 | |
| $14,580 Land $670 Building $13,910 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 345 Elder 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 February 2, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 4 (1984–2006) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Jun 2006 · Severe Storms, Flooding, And Mudslides |
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.
The area around 345 Elder St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CHAMBERSBURG BORO WATER SYS serves 31,048 people · EPA ID PA7280005 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | 5 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| PA.net Fixed Wireless · not low latency | 200 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
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