446 E Ross St, Lancaster, PA 17602 Property Records

Lancaster County property record for 446 E Ross St, Lancaster, PA 17602

Property Summary

Property Type	Duplex
Details	3 bd · 1 ba · 1,360 sqft · built 1949
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Aug 2021)
Tax Bill	$4,334 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`336-02861-0-0000`

Property Details

APN / Parcel Number

Primary APN	`336-02861-0-0000`
Alternative APN	`33612K9B 11 23`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,360 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	680 sqft
Upper Floors Area	680 sqft
Basement Area	680 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Composition Shingle
Lot Area	3,049 sqft (0.07 acres)
Porch	Open Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	446 E ROSS ST
City	LANCASTER
State	PA
Zip	17602-1944
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	446 E ROSS ST
Legal Subdivision	REAL ESTATE & IMPROV CO
Legal Lot Number	23
Jurisdiction	LANCASTER PA
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1003
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

446 E Ross St, a duplex, is owned and occupied by an individual who bought it in August 2021.

Source: Lancaster County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	446 E ROSS ST, LANCASTER, PA 17602-1944
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
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage SETTLEMENT SERVICES, COVIUS SETTLEMENT SERVICES L
Nov 27, 2024	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Aug 26, 2021	Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2021 · Amount on File
Deed Sale	Aug 26, 2021 · Amount on File
Prior Sale	Mar 3, 2010 · Amount on File
Deed Document Number	20216627421
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Recording Date	Aug 12, 2026
Property Address	446 E ROSS ST, LANCASTER, PA 17602-1944
Document Number	0000033294
Instrument Date	Aug 3, 2026
Instrument	202633294
Transaction Type	Mortgage
Record Updated	Aug 19, 2026
Title Company	SETTLEMENT SERVICES, COVIUS SETTLEMENT SERVICES L

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 E ROSS ST, LANCASTER, PA 17602-1944

Mortgage

Document Number	0000033294,
Date	Aug 12, 2026
Instrument	202633294

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2051

Interest

Rate	6.43%
Max Rate	-1%

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	446 E ROSS ST, LANCASTER, PA 17602-1944
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 E ROSS ST, LANCASTER, PA 17602-1944

Mortgage

Document Number	20246809989
Date	Nov 27, 2024
Instrument	20246809989

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Aug 26, 2021
Property Address	446 E ROSS ST, LANCASTER, PA 17602-1944
Document Number	0006627421
Instrument Date	Aug 19, 2021
Instrument	6627421
Transaction Type	Transfer
Record Updated	Apr 7, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,850.00
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	446 E ROSS ST, LANCASTER, PA 17602-1944

Mortgage

Document Number	0006627422
Date	Aug 26, 2021
Instrument	6627422

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 446 E Ross St was $4,334 with a homeowner's exemption, up 1% from the year before.

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		$108,400 Land $24,200 Building $84,200	$108,400 Land $24,200 Building $84,200
2025	$4,334.00 (+1.05%)
2024	$4,289.00	$108,400 Land $24,200 Building $84,200
2018			$108,400 Land $24,200 Building $84,200

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

Flood

FEMA maps place 446 E Ross 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 446 E Ross 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	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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