435 Stephen Cir, Ephrata, PA 17522 Property Records

Lancaster County property record for 435 Stephen Cir, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,659 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on File
Last Sale	$205,000 (Apr 2019)
Tax Bill	$3,534 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`260-43985-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-43985-0-0000`

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	1,659 sqft Living Area
Gross Area	2,034 sqft
1st Floor Area	1,034 sqft
Basement Area	1,000 sqft
Finished Basement	625 sqft
Unfinished Basement	375 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Area	1 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Slab
Porch Area	36 sqft
Deck Area	230 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	435 STEPHEN CIR
City	EPHRATA
State	PA
Zip	17522-2157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RLD
Legal Description	435 STEPHEN CIR
Legal Subdivision	RIDGEVIEW ESTATES
Legal Lot Number	24
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	3
Census Block	3020
Census Tract	12200

Owner

435 Stephen Cir is owned by a company that bought it in April 2019 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	6702 SENECA TRL, ALLENTOWN, PA 18104-8568
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

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
Oct 27, 2022	Deed of Trust, Mortgage NEW TRIPOLI BANK
Nov 24, 2025	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES SECURITY BANK & TRUST COMPANY
Jul 31, 2020	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Apr 29, 2019	Deed, Transfer · Line of Credit LAFAYETTE AMBASSADOR BANK
Jun 19, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2019 · Amount on File
Deed Sale	Apr 29, 2019 · Amount on File
Prior Sale	Dec 20, 2007 · Amount on File
Deed Document Number	20196454170
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	435 STEPHEN CIR, EPHRATA, PA 17522-2157
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6702 SENECA TRL, ALLENTOWN, PA 18104-8568

Mortgage

Document Number	0006709775
Date	Oct 27, 2022
Instrument	6709775

Lender

Name	NEW TRIPOLI BANK
Type	Bank
Address	OREFIELD, PA 18069

Agreement

Amount	Amount on Record

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	435 STEPHEN CIR, EPHRATA, PA 17522-2157
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	BANKERS SETTLEMENT SERVICES CAPITAL RE, BANKERS STLMT SVCS CAP REGIO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6702 SENECA TRL, ALLENTOWN, PA 18104-8568

Mortgage

Document Number	20250047105
Date	Nov 24, 2025
Instrument	20250047105

Lender

Name	PEOPLES SECURITY BANK & TRUST COMPANY
Type	Bank
Address	BETHLEHEM, PA 18020

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	435 STEPHEN CIR, EPHRATA, PA 17522-2157
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006536518
Date	Jul 31, 2020
Instrument	6536518

Lender

Name	FULTON BANK NA
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Line of Credit
Amount	Amount on Record

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Apr 29, 2019
Property Address	435 STEPHEN CIR, EPHRATA, PA 17522-2157
Document Number	0006454170
Map Reference	MB J-136 PG 94
Instrument Date	Apr 26, 2019
Instrument	6454170
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6702 SENECA TRL, ALLENTOWN, PA 18104-8568

Mortgage

Document Number	0006454171
Date	Apr 29, 2019
Instrument	6454171

Lender

Name	LAFAYETTE AMBASSADOR BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	435 STEPHEN CIR, EPHRATA, PA 17522-2157
Document Number	0006340551
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	435 STEPHEN CIR EPHRATA PA 175222157, EPHRATA, PA 17522-2157

Mortgage

Document Number	0006340551
Date	Jun 26, 2017
Instrument	6340551

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 435 Stephen Cir was $3,534 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		$144,100 Land $40,300 Building $103,800	$144,100 Land $40,300 Building $103,800
2025	$3,534.00 (+2.29%)
2024	$3,455.00	$144,100 Land $40,300 Building $103,800
2018			$144,100 Land $40,300 Building $103,800

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

Flood

FEMA maps place 435 Stephen Cir in Zone X, an area of minimal flood risk.

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

The area around 435 Stephen Cir 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 369 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
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Xfinity Cable	2,000 / 250

May also be available: Upward Broadband, Verizon.

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