Luzerne County property record for 397 Wilson St, Exeter, PA 18643
| Property Type | Single Family Home |
|---|---|
| Details | 1,252 sqft · built 1972 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $105,900 (Jul 2002) |
| Tax Bill | $3,968 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage Aug 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-E10S2-027-01A |
| Primary APN | 16-E10S2-027-01A |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,252 sqft Living Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 125 ft deep x 60 ft wide |
| Old Parcel Number | 16-E10S2-027-01A |
|---|---|
| Street Address | 397 WILSON ST |
| City | EXETER |
| State | PA |
| Zip | 18643-1023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEE DEV2 MB 403-46 |
| Legal Block | 27 |
| Legal Lot Number | 1A |
| Jurisdiction | LUZERNE PA |
| Township / Civil Division | EXETER |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 211101 |
Source: Luzerne County records · APN 16-E10S2-027-01A
Assessment roll updated August 13, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 397 WILSON ST, EXETER, PA 18643-1023 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 22, 2023 | Intrafamily Transfer, Transfer |
| Aug 22, 2023 | Deed, Transfer |
| Jul 20, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 30, 2002 · Amount on Record |
| Deed Sale | Jul 30, 2002 · Amount on Record |
| Deed Book / Page | 3002 / 187547 |
| Last Transfer Date | Aug 12, 2023 |
| Transfer Doc | 0000044310 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUZERNE PA |
| Property Address | 397 WILSON ST, EXETER, PA 18643-1023 |
| Transaction Type | Mortgage |
| Record Updated | Mar 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000015252 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 3021/65006 |
| Instrument | 202115252 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 288 Months |
| Due | Mar 01, 2045 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LUZERNE PA |
| Recording Date | Aug 22, 2023 |
| Property Address | 397 WILSON ST, EXETER, PA 18643-1023 |
| Document Number | 0000044310 |
| Book / Page | 3023 / 155785 |
| Instrument Date | Aug 12, 2023 |
| Instrument | 202344310 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 397 WILSON ST, EXETER, PA 18643-1023 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LUZERNE PA |
| Recording Date | Aug 22, 2023 |
| Property Address | 397 WILSON ST, EXETER, PA 18643-1023 |
| Document Number | 0000044311 |
| Book / Page | 3023 / 155800 |
| Map Reference | DOC 202319085 |
| Instrument Date | Aug 12, 2023 |
| Instrument | 202344311 |
| Transaction Type | Transfer |
| Record Updated | Mar 06, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 395 HARDING ST, EXETER, PA 18643-1044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUZERNE PA |
| Property Address | 397 WILSON ST, EXETER, PA 18643-1023 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMTRUST TITLE INS URANCE CO |
| Name | Verified Name |
|---|
| Document Number | 0000030443 |
|---|---|
| Date | Jul 20, 2020 |
| Book Page | 3020/122624 |
| Instrument | 202030443 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 294 Months |
| Due | Jan 01, 2045 |
Source: Luzerne County records · Assessment roll updated August 13, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Luzerne County |
| Municipality | Exeter Borough |
| Unified School District | Wyoming Area School District (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,968.00 Homeowner's exemption | $129,700 (-) Land $21,200 Building $108,500 | |
| 2025 | $3,968.00 (+8.77%) | ||
| 2024 | $129,700 (-) Land $21,200 Building $108,500 | ||
| 2023 | $3,648.00 (+4.5%) | $129,700 Land $21,200 Building $108,500 | |
| 2022 | $3,491.00 | ||
| 2009 | $129,700 Land $21,200 Building $108,500 |
Source: FEMA National Flood Hazard Layer as of November 11, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Flood Insurance Cost | Premium on Record median of 33 policies |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 33 in force |
| Nearby Flood Claims | 15 (1978–2021) |
| Claims Outside the SFHA | 9 of 15 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Wildfire Risk | Low lower than 80% of the US · above 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Fiber | 1,500 / 1,500 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| Skypacket Networks Fixed Wireless | 100 / 20 |
Based on FCC filings for 300 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PAW NESBITT private · serves 52,640 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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