45 Locust Dr, Littlestown, PA 17340 Property Records

Adams County property record for 45 Locust Dr, Littlestown, PA 17340

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,175 sqft · built 1969
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$174,500 (Apr 2018)
Tax Bill	$3,431 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jun 2023 Mortgage + 11 more
Flood Zone	Zone X (minimal risk)
APN	`15 I17-0023-000`

Property Details

APN / Parcel Number

Primary APN	`15 I17-0023-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	45 LOCUST DR
City	LITTLESTOWN
State	PA
Zip	17340-9710
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SFR
Jurisdiction	ADAMS PA
Township / Civil Division	GERMANY
Census Block Group	2
Census Block	2043
Census Tract	31203

Owner

45 Locust Dr is owned and occupied by an individual who bought it in April 2018.

Source: Adams County records, as of April 21, 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	Individual Name on File
Mailing Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage SOVEREIGN LENDING GROUP INC
Jun 2, 2023	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN TENDING GROUP INCORPORATED
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit ACNB BANK
Feb 1, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Aug 2, 2007	Deed of Trust, Mortgage BANK OF HANOVER
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SOVEREIGN LENDING GROUP INC
Apr 2, 2018	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit ACNB BANK
Dec 11, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SOVEREIGN LENDING GROUP INC
Feb 1, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
Apr 2, 2018	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2018 · Amount on File
Deed Sale	Apr 2, 2018 · Amount on File
Prior Sale	Jun 3, 1971 · Amount on File
Deed Document Number	20183350
Deed Book / Page	6364 / 60
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006884/404
Date	Nov 12, 2021
Book Page	6884/404

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710

Mortgage

Document Number	007099/239
Date	Jun 2, 2023
Book Page	7099/239

Lender

Name	SOVEREIGN TENDING GROUP INCORPORATED
Type	Non-Lending Institution
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006711/266
Date	Dec 11, 2020
Book Page	6711/266
Instrument	202000016254

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006305/551
Date	Sep 21, 2017
Book Page	6305/551

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006459/342
Date	Feb 1, 2019
Book Page	6459/342
Instrument	201900001120

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004932/140
Date	Aug 2, 2007
Book Page	4932/140
Instrument	04932_00140

Lender

Name	BANK OF HANOVER
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Amount	Amount on Record

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006558/248
Date	Nov 27, 2019
Book Page	6558/248
Instrument	201900013986

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2039

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006364/0000000063
Date	Apr 2, 2018
Book Page	0000006364/0000000063
Instrument	201800003351

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6305/551
Date	Sep 21, 2017
Book Page	6305/551

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 30, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6711/266
Date	Dec 11, 2020
Book Page	6711/266
Instrument	202000016254

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Dec 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6558/248
Date	Nov 27, 2019
Book Page	6558/248
Instrument	201900013986

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2039

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Transaction Type	Mortgage
Record Updated	Feb 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	6459/342
Date	Feb 1, 2019
Book Page	6459/342
Instrument	201900001120

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAMS PA
Recording Date	Apr 2, 2018
Property Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710
Document Number	006364/060
Book / Page	6364 / 060
Instrument Date	Mar 29, 2018
Instrument	201800003350
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
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
Address	45 LOCUST DR, LITTLESTOWN, PA 17340-9710

Mortgage

Document Number	0000006364/0000000063
Date	Apr 2, 2018
Book Page	0000006364/0000000063
Instrument	201800003351

Lender

Name	MORTGAGE RESEARCH CENTER

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 45 Locust Dr was $3,431.

Source: Adams County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Adams County
County Subdivision	Germany Township
Unified School District	Littlestown Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,431.00	$181,300 Land $37,300 Building $144,000
2024	$3,298.00 (+2.01%)	$181,300 (-) Land $37,300 Building $144,000
2023	$3,233.00	$181,300 Land $37,300 Building $144,000
2010			$181,300 Land $37,300 Building $144,000

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

Flood

FEMA maps place 45 Locust Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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	2 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

Wildfire risk around 45 Locust Dr 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 96% of the US · lower than 96% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	LITTLESTOWN BORO serves 7,300 people · EPA ID PA7010022
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	21 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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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