Lancaster County property record for 455 S State St, Ephrata, PA 17522
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,825 sqft · built 1900 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $143,000 (Apr 2018) |
| Tax Bill | $3,488 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 260-53173-0-0000 |
| Primary APN | 260-53173-0-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,825 sqft Living Area |
| Gross Area | 3,207 sqft |
| 1st Floor Area | 778 sqft |
| Upper Floors Area | 848 sqft |
| Basement Area | 738 sqft |
| Game Room | Game Room |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Row Home |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Slate |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 356 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 455 S STATE ST |
|---|---|
| City | EPHRATA |
| State | PA |
| Zip | 17522-2335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RMD |
| Legal Description | 455 S STATE ST |
| Legal Lot Number | 16 |
| Jurisdiction | LANCASTER PA |
| Township / Civil Division | EPHRATA |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 12302 |
Source: Lancaster County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 455 S STATE ST, EPHRATA, PA 17522-2335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2022 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Sep 20, 2017 | Deed of Trust, Mortgage · Line of Credit THE EPHRATA NATIONAL BANK |
| Apr 9, 2018 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2018 · Amount on Record |
| Deed Sale | Apr 9, 2018 · Amount on Record |
| Deed Document Number | 20186390657 |
| Prior Transfer Date | Mar 16, 2015 |
| Prior Transfer Doc | 0006194623 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 455 S STATE ST, EPHRATA, PA 17522-2335 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 455 S STATE ST, EPHRATA, PA 17522-2335 |
| Document Number | 0006709824 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 6709824 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 307 Months |
| Due | May 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 455 S STATE ST, EPHRATA, PA 17522-2335 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0006356548 |
|---|---|
| Date | Sep 20, 2017 |
| Instrument | 6356548 |
| Name | THE EPHRATA NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | EPHRATA, PA 17522 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LANCASTER PA |
| Recording Date | Apr 9, 2018 |
| Property Address | 455 S STATE ST, EPHRATA, PA 17522-2335 |
| Document Number | 0006390657 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 6390657 |
| Transaction Type | Transfer |
| Record Updated | Jun 14, 2018 |
| Title Company | HOMESALE SETTLEMENT SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,430.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 455 S STATE ST EPHRATA PA 175222335, EPHRATA, PA 17522-2335 |
| Document Number | 6390658 |
|---|---|
| Date | Apr 9, 2018 |
| Instrument | 6390658 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2048 |
Source: Lancaster County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Lancaster County |
| Municipality | Ephrata Borough |
| Unified School District | Ephrata Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $142,200 (-) Land $42,600 Building $99,600 | $142,200 (-) Land $42,600 Building $99,600 | |
| 2025 | $3,488.00 (+2.29%) | ||
| 2024 | $3,410.00 | $142,200 Land $42,600 Building $99,600 | |
| 2018 | $142,200 Land $42,600 Building $99,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 12 (1987–2018) |
| Claims Outside the SFHA | 6 of 12 |
| Most Recent Claim | Aug 2018 · river or lake flooding |
| Claims by Event |
|
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EPHRATA AREA JOINT AUTHORITY serves 24,500 people · EPA ID PA7360045 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 589 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 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL · Fiber in parts of the area | 300 / 20 |
| Upward Broadband Fixed Wireless | 100 / 40 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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