3540 Carter Rd, Bethlehem, PA 18020 Property Records

Northampton County property record for 3540 Carter Rd, Bethlehem, PA 18020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1955
Lot Size	0.253 acres (11,021 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Feb 2026)
Tax Bill	$500 (2026)
Deeds & Mortgages	Jan 2025 Mortgage Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4864-01-9903-3651`

Property Details

APN / Parcel Number

Primary APN	`4864-01-9903-3651`
Alternative APN	`N7NE1 3 2 0205`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	780 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	110 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3540 CARTER RD
City	BETHLEHEM
State	PA
Zip	18020-3465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Subdivision	BETHLEHEM ANNEX GARDENS
Jurisdiction	NORTHAMPTON PA
Township / Civil Division	BETHLEHEM
Census Block Group	3
Census Block	3037
Census Tract	17606

Owner

Source: Northampton County records, as of June 30, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 17, 2026	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 23, 2018	Deed, Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2026 · Amount on Record
Deed Sale	Feb 17, 2026 · Amount on Record
Prior Sale	Jul 23, 2018 · Amount on Record
Deed Document Number	20263539
Deed Book / Page	2026 / 32768
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Property Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465

Mortgage

Document Number	0000000635
Date	Jan 10, 2025
Book Page	2025-1/5735
Instrument	2025000635

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	283 Months
Due	Aug 1, 2048

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	Feb 17, 2026
Property Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465
Document Number	0000003539
Book / Page	2026-1 / 32768
Map Reference	MB 8 PG 1
Instrument Date	Feb 9, 2026
Instrument	2026003539
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	REALTY ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465

Mortgage

Document Number	0000003540
Date	Feb 17, 2026
Instrument	2026003540

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	Jul 23, 2018
Property Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465
Document Number	0000019209
Book / Page	2018-1 / 153090
Map Reference	MB 8 PG 1
Instrument Date	Jun 28, 2018
Instrument	2018019209
Transaction Type	Transfer
Record Updated	Apr 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 CARTER RD, BETHLEHEM, PA 18020-3465

Mortgage

Document Number	0000019210
Date	Jul 23, 2018
Instrument	2018019210

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Northampton County
County Subdivision	Bethlehem Township
Unified School District	Bethlehem Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$500.00 (-85.93%)	$46,300 (-) Land $18,800 Building $27,500
2024	$3,553.00	$46,300 Land $18,800 Building $27,500
1995			$92,600 Land $37,600 Building $55,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective December 31, 2024 · 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	3 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · 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	CITY OF BETHLEHEM serves 117,259 people · EPA ID PA3480046
Water Source	Surface water
Last State Inspection	May 2024
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	1 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Service Electric Cable TV Cable	1,000 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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