405 E Clay St, Lancaster, PA 17602 Property Records

Lancaster County property record for 405 E Clay St, Lancaster, PA 17602

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,006 sqft · built 1900
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$370,777 (Apr 2025)
Tax Bill	$5,954 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`336-75105-0-0000`

Property Details

APN / Parcel Number

Primary APN	`336-75105-0-0000`
Alternative APN	`33612K9C 3 15`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,006 sqft Living Area
Gross Area	2,992 sqft
1st Floor Area	748 sqft
Upper Floors Area	1,258 sqft
Basement Area	748 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	2,178 sqft (0.05 acres)
Porch	Slab
Porch Area	318 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	405 E CLAY ST
City	LANCASTER
State	PA
Zip	17602-2153
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	405 E CLAY ST
Legal Lot Number	15
Jurisdiction	LANCASTER PA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1015
Census Tract	300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lancaster City Historic District listed 2001 · 13,488 contributing resources · NRIS 01000956

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Lancaster County records, as of June 11, 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	405 E CLAY ST, LANCASTER, PA 17602-2153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · VA Mortgage AMERICAS TITLE, AMERICA SAFE TITLE
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 30, 2020	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Feb 3, 2020	Grant Deed, Transfer · Line of Credit LANCO FCU
Sep 20, 2019	Grant Deed, Transfer OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2025 · Amount on Record
Deed Sale	Apr 30, 2025 · Amount on Record
Prior Sale	Mar 30, 2020 · Amount on Record
Deed Document Number	202515897
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Recording Date	Jun 4, 2026
Property Address	405 E CLAY ST, LANCASTER, PA 17602-2153
Document Number	0000022366
Instrument Date	May 28, 2026
Instrument	202622366
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	AMERICAS TITLE, AMERICA SAFE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E CLAY ST, LANCASTER, PA 17602-2153

Mortgage

Document Number	0000022366,
Date	Jun 4, 2026
Instrument	202622366

Lender

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	405 E CLAY ST, LANCASTER, PA 17602-2153
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	REALTY SETTLEMENT SERVICES INC, REALTY SETTLEMENT SVC INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006631995
Date	Sep 16, 2021
Instrument	6631995

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Mar 30, 2020
Property Address	405 E CLAY ST, LANCASTER, PA 17602-2153
Document Number	0006515053
Instrument Date	Mar 27, 2020
Instrument	6515053
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	405 E CLAY ST, LANCASTER, PA 17602-2153

Mortgage

Document Number	0006515054
Date	Mar 30, 2020
Instrument	6515054

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER PA
Recording Date	Feb 3, 2020
Property Address	405 E CLAY ST, LANCASTER, PA 17602-2153
Document Number	0006505696
Instrument Date	Jan 31, 2020
Instrument	6505696
Transaction Type	Transfer
Record Updated	Feb 25, 2020
Title Company	ABSTRACT ASSOCIATES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,725.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	63 CHWELL PL LANCASTER PA 17601, LANCASTER, PA 17601

Mortgage

Document Number	6505697
Date	Feb 3, 2020
Instrument	6505697

Lender

Name	LANCO FCU
Type	Credit Union
Address	LANCASTER, PA 17601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 2, 2035

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	6505699,
Date	Feb 3, 2020
Instrument	6505699

Lender

Name	K2 PROP GROUP LLC
Address	55 NEW ST # 15, EPHRATA, PA 17522-2826

Agreement

Amount	Amount Recorded

Interest

Rate	5%

September 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER PA
Recording Date	Sep 20, 2019
Property Address	405 E CLAY ST, LANCASTER, PA 17602-2153
Document Number	0006480562
Instrument Date	Sep 20, 2019
Instrument	6480562
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	ABSTRACT ASSOCIATES, ABSTRACT ASSOCIATES/LANCASTER

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	55 NEW ST EPHRATA PA 175222826, EPHRATA, PA 17522-2826

Mortgage

Document Number	6480563
Date	Sep 20, 2019
Instrument	6480563

Lender

Name	OTHER INSTITUTIONAL LENDERS
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Lancaster City
Unified School District	Lancaster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$148,900 (-) Land $23,700 Building $125,200	$148,900 (-) Land $23,700 Building $125,200
2025	$5,954.00 (+1.07%)
2024	$5,891.00	$148,900 Land $23,700 Building $125,200
2018			$148,900 Land $23,700 Building $125,200

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 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

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 LANCASTER serves 120,000 people · EPA ID PA7360058
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024 Haloacetic acids resolved · Oct 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 1,188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Glo Fiber, T-Mobile.

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