3645 Kelchner St, Bethlehem, PA 18020 Property Records

Northampton County property record for 3645 Kelchner St, Bethlehem, PA 18020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,330 sqft · built 1977
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on Record
Last Sale	$329,900 (Mar 2023)
Tax Bill	$613 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4964-09-2503-4482`

Property Details

APN / Parcel Number

Primary APN	`4964-09-2503-4482`
Alternative APN	`M7SE4 1 2E 0205`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	960 sqft
Basement Area	336 sqft
Finished Basement	336 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	110 ft deep x 100 ft wide
Pool Area	480 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3645 KELCHNER ST
City	BETHLEHEM
State	PA
Zip	18020-2901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Subdivision	BETHLEHEM ANX LITTLE FARMS
Jurisdiction	NORTHAMPTON PA
Township / Civil Division	BETHLEHEM
Census Block Group	3
Census Block	3002
Census Tract	17606

Owner

Source: Northampton County records, as of July 1, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEST HOME LENDING LLC
Mar 7, 2023	Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC
Apr 7, 2022	Deed of Trust, Mortgage · Construction Mortgage ORBIT COMMERCIAL CAPITAL LLC
Mar 4, 2022	Deed, Transfer SETTLEMENT USA INC, SETTLEMENT USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Mar 4, 2022 · Amount on Record
Deed Document Number	20234734
Deed Book / Page	2023 / 40426
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Recording Date	Jun 25, 2026
Property Address	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901
Document Number	0000014383
Book / Page	2026 / 137009
Instrument Date	Jun 15, 2026
Instrument	202614383
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901

Mortgage

Document Number	0000014383,
Date	Jun 25, 2026
Book Page	2026/137009
Instrument	202614383

Lender

Name	NEST HOME LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	Mar 7, 2023
Property Address	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901
Document Number	0000004734
Book / Page	2023-1 / 40426
Map Reference	MB 8 PG 24
Instrument Date	Feb 28, 2023
Instrument	2023004734
Transaction Type	Transfer
Record Updated	Mar 17, 2023
Title Company	WOODSTONE SETTLEMENT SERVICES, WOODSTONE SETTLEMENT SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,299.00
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	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901

Mortgage

Document Number	0000004735
Date	Mar 7, 2023
Instrument	2023004735

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Property Address	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2060 BLOSSOM HILL RD, EASTON, PA 18040-8317

Mortgage

Document Number	0000012376
Date	Apr 7, 2022
Book Page	2022-1/107929
Instrument	2022012376

Lender

Name	ORBIT COMMERCIAL CAPITAL LLC
Type	Non-Lending Institution
Address	FREEHOLD, NJ 07728

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Mar 1, 2023

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	Mar 4, 2022
Property Address	3645 KELCHNER ST, BETHLEHEM, PA 18020-2901
Document Number	0000008450
Book / Page	2022-1 / 73641
Map Reference	MB 8 PG 24
Instrument Date	Feb 22, 2022
Instrument	2022008450
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	SETTLEMENT USA INC, SETTLEMENT USA

Transaction

Amount	Amount Recorded
Tax	$2,272.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	609 WASHINGTON ST, 609, EASTON, PA 18042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2060 BLOSSOM HILL RD, EASTON, PA 18040-8317

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	$613.00 (-85.93%)	$56,800 (-) Land $18,700 Building $38,100
2024	$4,358.00	$56,800 Land $18,700 Building $38,100
1995			$113,600 Land $37,400 Building $76,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 98% of the US · lower than 98.3% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 330 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Service Electric Cable TV Cable	1,000 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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