404 E Main St, Ephrata, PA 17522 Property Records

Lancaster County property record for 404 E Main St, Ephrata, PA 17522

Property Summary

Property Type	Duplex
Details	3 bd · 1.5 ba · 1,680 sqft · built 1900
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Nov 2020)
Tax Bill	$2,953 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-41149-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-41149-0-0000`
Alternative APN	`2607M12 2 14`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,680 sqft Living Area
Gross Area	2,496 sqft
1st Floor Area	672 sqft
Upper Floors Area	672 sqft
Basement Area	672 sqft
Game Room	Game Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.09 acres)
Porch	Enclosed Porch
Porch Area	279 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 E MAIN ST
City	EPHRATA
State	PA
Zip	17522-2506
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NC
Legal Description	404 E MAIN ST
Legal Lot Number	14
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	1
Census Block	1002
Census Tract	12200

Owner

404 E Main St, a duplex, is owned and occupied by an individual who bought it in November 2020.

Source: Lancaster County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	404 E MAIN ST, EPHRATA, PA 17522-2506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Nov 17, 2020	Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Sep 27, 2019	Grant Deed, Transfer REGAL ABSTRACT LP, REGAL ABS LP
Aug 5, 2019	Trustee's Deed, Construction Loan · Construction Mortgage EPHRATA NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2020 · Amount on File
Deed Sale	Nov 17, 2020 · Amount on File
Prior Sale	Sep 27, 2019 · Amount on File
Deed Document Number	20206560525
Record Updated	Oct 29, 2026

November 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Nov 17, 2020
Property Address	404 E MAIN ST, EPHRATA, PA 17522-2506
Document Number	0006560525
Instrument Date	Nov 16, 2020
Instrument	6560525
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,770.00
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 in Severalty
Address	404 E MAIN ST, EPHRATA, PA 17522-2506

Mortgage

Document Number	0006560526
Date	Nov 17, 2020
Instrument	6560526

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER PA
Recording Date	Sep 27, 2019
Property Address	404 E MAIN ST, EPHRATA, PA 17522-2506
Document Number	0006481864
Instrument Date	Aug 27, 2019
Instrument	6481864
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	REGAL ABSTRACT LP, REGAL ABS LP

Transaction

Amount	Amount on Record
Tax	$1,130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	306 DEERFIELD DR EAST EARL PA 175199482, EAST EARL, PA 17519-9482

August 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LANCASTER PA
Recording Date	Aug 5, 2019
Property Address	404 E MAIN ST, EPHRATA, PA 17522-2506
Instrument Date	Jul 19, 2019
Instrument	6471969
Transaction Type	Construction Loan
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	404 E MAIN ST EPHRATA PA 175222506, EPHRATA, PA 17522-2506

Mortgage

Document Number	0006471969
Date	Aug 5, 2019
Instrument	6471969

Lender

Name	EPHRATA NAT'L BK
Type	Bank
Address	EPHRATA, PA 17522-0457

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 4, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 404 E Main St was $2,953 with a homeowner's exemption, up 2.3% from the year before.

Source: Lancaster County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Ephrata Borough
Unified School District	Ephrata Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$120,400 Land $34,200 Building $86,200	$120,400 Land $34,200 Building $86,200
2025	$2,953.00 (+2.29%)
2024	$2,887.00	$120,400 Land $34,200 Building $86,200
2018			$120,400 Land $34,200 Building $86,200

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

Flood

FEMA maps place 404 E Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 404 E Main 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	EPHRATA AREA JOINT AUTHORITY serves 24,500 people · EPA ID PA7360045
Water Source	Surface water
Last State Inspection	Apr 2024
Lead	2 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	4 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 486 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Fiber · Cable in parts of the area	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Windstream DSL · Fiber in parts of the area	300 / 20

May also be available: AT&T, Upward Broadband.

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