Lancaster County property record for 45 Ray Dr, Denver, PA 17517
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 2014 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $44,000 (Aug 2013) |
| Tax Bill | $3,620 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080-02755-0-0000 |
| Primary APN | 080-02755-0-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 1,532 sqft |
| 1st Floor Area | 1,404 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Modular |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Carport |
| Garage Area | 621 sqft |
| Carport | Carport |
| Carport Area | 621 sqft |
| Porch | Slab |
| Porch Area | 128 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Propane |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 RAY DR |
|---|---|
| City | DENVER |
| State | PA |
| Zip | 17517-9234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | MUDDY CREEK VILLAGE |
| Jurisdiction | LANCASTER PA |
| Township / Civil Division | EAST COCALICO |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 12501 |
45 Ray Dr is owned and occupied by two individuals who bought it in August 2013.
Source: Lancaster County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 CHERRYWOOD RD, READING, PA 19610-1912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2013 · Amount on File |
| Deed Sale | Aug 20, 2013 · Amount on File |
| Prior Sale | Apr 23, 2013 · Amount on File |
| Deed Document Number | 20136099348 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 45 RAY DR, DENVER, PA 17517-9234 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2022 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0006451710 |
|---|---|
| Date | Apr 12, 2019 |
| Instrument | 6451710 |
| Name | FULTON BANK NA |
|---|---|
| Type | Bank |
| Address | LANCASTER, PA 17602 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2039 |
The 2025 property tax bill for 45 Ray Dr was $3,620 with a homeowner's exemption, up 5.6% from the year before.
Source: Lancaster County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Lancaster County |
| County Subdivision | East Cocalico Township |
| Unified School District | Cocalico School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $137,700 Land $63,800 Building $73,900 | $137,700 Land $63,800 Building $73,900 | |
| 2025 | $3,620.00 (+5.57%) | ||
| 2024 | $3,429.00 | $137,700 Land $63,800 Building $73,900 | |
| 2018 | $137,700 Land $63,800 Building $73,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Ray Dr 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 risk around 45 Ray Dr is low, with 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 80% of the US · above 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EAST COCALICO TOWNSHIP AUTH serves 6,735 people · EPA ID PA7360113 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Trichloroethylene resolved · Jan 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 120 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 DSL · Fiber in parts of the area | 200 / 20 |
May also be available: Upward Broadband, Verizon.
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