3801 Spear St, Bethlehem, PA 18020 Property Records

Northampton County property record for 3801 Spear St, Bethlehem, PA 18020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,076 sqft · built 1987
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (May 2022)
Tax Bill	$878 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4964-13-814-73`

Property Details

APN / Parcel Number

Primary APN	`4964-13-814-73`
Alternative APN	`M7SE4 23 5 0205`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,076 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	13,199 sqft (0.303 acres)
Lot Dimensions	110 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Pool Area	648 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3801 SPEAR ST
City	BETHLEHEM
State	PA
Zip	18020-3447
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Subdivision	BETHLEHEM ANNEX GARDEN
Jurisdiction	NORTHAMPTON PA
Township / Civil Division	BETHLEHEM
Census Block Group	3
Census Block	3006
Census Tract	17606

Owner

3801 Spear St is owned and occupied by an individual who bought it in May 2022.

Source: Northampton County records, as of August 12, 2026

Owner of Record	Individual Name on File
Mailing Address	3801 SPEAR ST, BETHLEHEM, PA 18020-3447
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
Aug 5, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
May 24, 2022	Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit AFFINITY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2022 · Amount on File
Deed Sale	May 24, 2022 · Amount on File
Prior Sale	Aug 1, 1987 · Amount on File
Deed Document Number	202217762
Deed Book / Page	2022 / 153120
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Recording Date	Aug 5, 2026
Property Address	3801 SPEAR ST, BETHLEHEM, PA 18020-3447
Document Number	0000018306
Book / Page	2026 / 173149
Instrument Date	May 8, 2026
Instrument	202618306
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3801 SPEAR ST, BETHLEHEM, PA 18020-3447

Mortgage

Document Number	0000018306,
Date	Aug 5, 2026
Book Page	2026/173149
Instrument	202618306

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Jun 1, 2052

Interest

Rate	6.37%
Max Rate	-1%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	May 24, 2022
Property Address	3801 SPEAR ST, BETHLEHEM, PA 18020-3447
Document Number	0000017762
Book / Page	2022-1 / 153120
Map Reference	MB 8 PG 1
Instrument Date	May 18, 2022
Instrument	2022017762
Transaction Type	Transfer
Record Updated	Jun 3, 2022
Title Company	FIRST UNITED LAND TRANSFER INC, FIRST UNITED LAND TRANSFER I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,150.00
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	3801 SPEAR ST, BETHLEHEM, PA 18020-3447

Mortgage

Document Number	0000017763
Date	May 24, 2022
Instrument	2022017763

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Property Address	3801 SPEAR ST, BETHLEHEM, PA 18020-3447
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	UNIVERSAL SETMNT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030336
Date	Oct 19, 2020
Book Page	2020-1/270762
Instrument	2020030336

Lender

Name	AFFINITY FCU
Type	Credit Union
Address	BASKING RIDGE, NJ 07920

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 14, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 3801 Spear St was $878.

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	$878.00	$81,300 Land $19,700 Building $61,600
2024	$6,238.00	$81,300 Land $19,700 Building $61,600
1995			$162,600 Land $39,400 Building $123,200

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

Flood

FEMA maps place 3801 Spear St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

The area around 3801 Spear 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.

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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