45 E Main St, Railroad, PA 17355 Property Records

York County property record for 45 E Main St, Railroad, PA 17355

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,520 sqft · built 1900
Lot Size	0.251 acres (10,934 sqft)
Owner	2 Individual Names on File
Last Sale	$148,000 (Nov 2018)
Tax Bill	$3,099 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`81-000-01-0075.00-00000`

Property Details

APN / Parcel Number

Primary APN	`81-000-01-0075.00-00000`
Alternative APNs	`8100000100750000000` `810016301`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
1st Floor Area	692 sqft
Basement Area	16 sqft
Unfinished Basement	16 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Siding
Construction Type	Concrete Block
Roof Type	Hip
Lot Area	10,934 sqft (0.251 acres)
View / Lot	Major Street/Thoroughfare
Porch	Porch
Porch Area	328 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	45 E MAIN ST
City	RAILROAD
State	PA
Zip	17355-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	YORK PA
Township / Civil Division	RAILROAD
Census Block Group	2
Census Block	2001
Census Tract	23821

Historic Designation

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

Historic District	Within the Railroad Borough Historic District listed 1984 · 45 contributing resources · NRIS 84003601

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

Owner

45 E Main St is owned and occupied by two individuals who acquired it in June 2021.

Source: York County records, as of April 28, 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 Record	2 Individual Names on File
Mailing Address	45 E MAIN ST, RAILROAD, PA 17355-9718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NAVY FCU
Nov 8, 2018	Grant Deed, Transfer NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2018 · Amount on File
Deed Sale	Nov 8, 2018 · Amount on File
Prior Sale	Jul 15, 2005 · Amount on File
Deed Document Number	201849275
Deed Book / Page	2494 / 8984
Last Transfer Date	Jun 4, 2021
Transfer Doc	0000037883
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YORK PA
Recording Date	Jun 17, 2021
Property Address	45 E MAIN ST, RAILROAD, PA 17355-9718
Document Number	0000037883
Book / Page	2659 / 5473
Instrument Date	Jun 4, 2021
Instrument	2021037883
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE, EXPERT TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 E MAIN ST, RAILROAD, PA 17355-9718

Mortgage

Document Number	0000037884
Date	Jun 17, 2021
Instrument	2021037884

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	YORK PA
Recording Date	Nov 8, 2018
Property Address	45 E MAIN ST, RAILROAD, PA 17355-9718
Document Number	0000049275
Book / Page	002494 / 008984
Instrument Date	Nov 5, 2018
Instrument	49275
Transaction Type	Transfer
Record Updated	Nov 23, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,480.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	45 E MAIN ST RAILROAD PA 173559718, RAILROAD, PA 17355-9718

Mortgage

Document Number	49396
Date	Nov 8, 2018
Book Page	002495/000831
Instrument	49396

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 45 E Main St was $3,099.

Source: York County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	York County
Municipality	Railroad Borough
Unified School District	Southern York County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,099.00	$106,730 Land $28,420 Building $78,310
2024	$2,935.00	$106,730 Land $28,420 Building $78,310
2006			$106,730 Land $28,420 Building $78,310

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

Flood

FEMA maps place 45 E Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective September 27, 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
Nearby Flood Claims	3 (1996–2011)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2011 · Tropical Storm Lee
Claims by Event	Severe Storms And Flooding, Jan 1996 · 2 claims

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

Wildfire risk around 45 E Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.4% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	YORK WATER CO private · serves 206,762 people · EPA ID PA7670100
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2022
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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: AT&T, Verizon.

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