398 Upper Ridge Dr, Effort, PA 18330 Property Records

Monroe County property record for 398 Upper Ridge Dr, Effort, PA 18330

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,132 sqft · built 1991
Lot Size	1.06 acres (46,174 sqft)
Owner	2 Individual Names on File
Last Sale	$198,000 (May 2006)
Tax Bill	$1,052 (2026)
Deeds & Mortgages	Jun 2019 Line of Credit Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02.14E.1.82`

Property Details

APN / Parcel Number

Primary APN	`02.14E.1.82`
Alternative APN	`02633104804674`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,132 sqft Living Area
1st Floor Area	968 sqft
Basement Area	728 sqft
Finished Basement	728 sqft
Flooring	Carpet

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	46,174 sqft (1.06 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	64 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	02633104804674
Street Address	398 UPPER RIDGE DR
City	EFFORT
State	PA
Zip	18330-7922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 42 SEC 4
Legal Subdivision	SIERRA VIEW
Legal Block	80
Legal Lot Number	42
Jurisdiction	MONROE PA
Township / Civil Division	CHESTNUTHILL
Census Block Group	2
Census Block	2031
Census Tract	301206

Owner

398 Upper Ridge Dr is owned and occupied by two individuals who acquired it in March 2017.

Source: Monroe County records, as of September 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	398 UPPER RIDGE DR, EFFORT, PA 18330-7922
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Jun 21, 2019	Deed of Trust, Mortgage · Line of Credit ESSA BK&TR
Apr 3, 2017	Quit Claim Deed, Transfer · Conventional Mortgage ESSA BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2006 · Amount on File
Deed Sale	May 10, 2006 · Amount on File
Deed Document Number	200620007
Deed Book / Page	2267 / 1435
Last Transfer Date	Mar 24, 2017
Transfer Doc	0000008211
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	398 UPPER RIDGE DR, EFFORT, PA 18330-7922
Document Number	0000015449
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	398 UPPER RIDGE DR EFFORT PA 183307922, EFFORT, PA 18330-7922

Mortgage

Document Number	0000015449
Date	Jun 28, 2019
Book Page	002531/002903
Instrument	15449

Lender

Name	ESSA BK&TR
Type	Bank
Address	STROUDSBURG, PA 18360-0160

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE PA
Recording Date	Apr 3, 2017
Property Address	398 UPPER RIDGE DR, EFFORT, PA 18330-7922
Document Number	0000008211
Book / Page	002489 / 000707
Instrument Date	Mar 24, 2017
Instrument	8211
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	EFFORT ABSTRACT INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	398 UPPER RIDGE DR EFFORT PA 183307922, EFFORT, PA 18330-7922

Mortgage

Document Number	8212
Date	Apr 3, 2017
Book Page	002489/000712
Instrument	8212

Lender

Name	ESSA BK&TR
Type	Bank
Address	STROUDSBURG, PA 18360-0160

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 2, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 398 Upper Ridge Dr was $1,052.

Source: Monroe County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Monroe County
County Subdivision	Chestnuthill Township
Unified School District	Pleasant Valley School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,052.00	$129,360 Land $25,300 Building $104,060
2024	$858.00 (+15.01%)	$129,360 (-) Land $25,300 Building $104,060
2023	$746.00	$129,360 Land $25,300 Building $104,060
2019			$129,360 Land $25,300 Building $104,060

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 398 Upper Ridge Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 13, 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	1 in force

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

Wildfire risk around 398 Upper Ridge Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 91% of Pennsylvania
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Cable	2,000 / 40
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Upper Ridge Dr

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