1. Home
  2. Pennsylvania
  3. Lancaster County
  4. Ephrata
  5. Stephen Cir

445 Stephen Cir, Ephrata, PA 17522 Property Records

Lancaster County property record for 445 Stephen Cir, Ephrata, PA 17522

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,383 sqft · built 1985
Lot Size0.19 acres (8,276 sqft)
OwnerCompany Name on Record
Last Sale$11,000 (Jun 2024)
Tax Bill$3,238 (2025)
Deeds & MortgagesApr 2025 Mortgage
Jun 2024 Sale
Flood ZoneZone X (minimal risk)
APN260-49628-0-0000

Property Details

APN / Parcel Number

Primary APN260-49628-0-0000
Alternative APN
  • 2607M8 10 25

Interior

Bedrooms3 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,383 sqft Living Area
Gross Area2,033 sqft
1st Floor Area1,033 sqft
Basement Area1,000 sqft
Finished Basement350 sqft
Unfinished Basement650 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Architectural StyleBi-Level
Exterior MaterialCombination
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeBasement
Garage Area1 sqft
Parking Spaces1 Parking Space
PorchOpen Slab
Porch Area35 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Heating SystemBaseboard
Heating FuelElectric
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address445 STEPHEN CIR
CityEPHRATA
StatePA
Zip17522-2157
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRLD
Legal Description445 STEPHEN CIR
Legal SubdivisionRIDGEVIEW ESTATES
Legal Lot Number25
JurisdictionLANCASTER PA
Township / Civil DivisionEPHRATA
Census Block Group3
Census Block3020
Census Tract12200

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordCompany Name on Record
Mailing Address6536 N 18TH ST, PHILADELPHIA, PA 19126-3401
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Apr 7, 2025Deed of Trust, Mortgage · Conventional Mortgage
INVESTOR MORTGAGE FINANCE LLC
Jun 28, 2024Special Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 28, 2024 · Amount on Record
Deed SaleJun 28, 2024 · Amount on Record
Deed Document Number20246789281
Prior Transfer DateApr 14, 2014
Prior Transfer Doc0006190367
Record UpdatedSep 20, 2026

April 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLANCASTER PA
Property Address445 STEPHEN CIR, EPHRATA, PA 17522-2157
Transaction TypeMortgage
Record UpdatedApr 7, 2026
Title CompanyASSURANCE ABSTRACT CORPORATION, ASSURANCE ABSTRACT CORP

Transferred To (Grantee/Buyer)

NameVerified Name
Address7503 BROOKFIELD RD, ELKINS PARK, PA 19027-3318

Mortgage

Document Number20250012428
DateApr 7, 2025
Instrument20250012428
Lender
NameINVESTOR MORTGAGE FINANCE LLC
TypeMortgage Company
AddressAUSTIN, TX 78758
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2055
Interest
Rate TypeAdjustable Rate

June 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionLANCASTER PA
Recording DateJun 28, 2024
Property Address445 STEPHEN CIR, EPHRATA, PA 17522-2157
Document Number0006789281
Instrument DateSep 16, 2023
Instrument6789281
Transaction TypeTransfer
Record UpdatedApr 7, 2026

Transaction

AmountAmount Recorded
Tax$110.00
Amount AccuracyVerified / From Affidavit
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipSeparate Estate/Property
Address6536 N 18TH ST, PHILA, PA 19126-3401

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StatePennsylvania
CountyLancaster County
MunicipalityEphrata Borough
Unified School DistrictEphrata Area School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$132,000 (-) Land $39,200 Building $92,800$132,000 (-) Land $39,200 Building $92,800
2025$3,238.00 (+2.31%)
2024$3,165.00$132,000 Land $39,200 Building $92,800
2018$132,000 Land $39,200 Building $92,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

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

Wildfire RiskNot 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 SystemEPHRATA AREA JOINT AUTHORITY
serves 24,500 people · EPA ID PA7360045
Water SourceSurface water
Last State InspectionApr 2024
Lead2 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting4
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

ProviderMax 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.

Nearby Properties on Stephen Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures