46 Charter Dr, Mountain Top, PA 18707 Property Records

Luzerne County property record for 46 Charter Dr, Mountain Top, PA 18707

Property Summary

Property Type	Single Family Home
Details	1,500 sqft · built 1985
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$119,000 (Jan 2017)
Tax Bill	$3,656 (2026)
Deeds & Mortgages	Jan 2017 Line of Credit Jan 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`64-M9S5-004-014`

Property Details

APN / Parcel Number

Primary APN	`64-M9S5-004-014`
Alternative APNs	`64-M9S5-004-014-000` `6400M9S5 004014`

Interior

Stories	1 Story
Building Area	1,500 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	137 ft deep x 100 ft wide

Location & Zoning

Old Parcel Number	64-M9S5-004-014
Street Address	46 CHARTER DR
City	MOUNTAIN TOP
State	PA
Zip	18707-2340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	64-221-D4-1-D43-4 46 CHARTER DR
Legal Subdivision	CAPITAL HILL VILLAGE
Legal Block	4
Legal Lot Number	14
Jurisdiction	LUZERNE PA
Township / Civil Division	WRIGHT
Census Block Group	3
Census Block	3008
Census Tract	215502

Owner

Source: Luzerne County records, as of August 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	46 CHARTER DR, MOUNTAIN TOP, PA 18707-2340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
Jan 31, 2017	Deed, Transfer · Line of Credit CITIZENS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2017 · Amount on Record
Deed Sale	Jan 31, 2017 · Amount on Record
Deed Document Number	20175626
Deed Book / Page	3017 / 21758
Prior Transfer Date	Feb 21, 2006
Prior Transfer Doc	0005689738
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	46 CHARTER DR, MOUNTAIN TOP, PA 18707-2340
Document Number	0000005628
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 CHARTER DR MOUNTAIN TOP PA 187072340, MOUNTAIN TOP, PA 18707-2340

Mortgage

Document Number	0000005628
Date	Jan 31, 2017
Book Page	003017/021786
Instrument	5628

Lender

Name	CITIZENS BK
Type	Bank
Address	1 CITIZENS PLZ, PROVIDENCE, RI 02903-1344

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 30, 2042

Interest

Rate Type	Adjustable Rate

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	LUZERNE PA
Recording Date	Jan 31, 2017
Property Address	46 CHARTER DR, MOUNTAIN TOP, PA 18707-2340
Document Number	0000005626
Book / Page	3017 / 021758
Instrument Date	Jan 27, 2017
Instrument	201705626
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 CHARTER DR, MOUNTAIN TOP, PA 18707-2340

Mortgage

Document Number	0000005627
Date	Jan 31, 2017
Instrument	201705627

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Mortgage

Document Number	0000005628
Date	Jan 31, 2017
Book Page	3017/021786
Instrument	201705628

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Luzerne County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Luzerne County
County Subdivision	Wright Township
Unified School District	Crestwood School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,656.00 Homeowner's exemption	$176,900 (-) Land $47,600 Building $129,300
2025	$3,656.00 (+5%)
2024		$176,900 Land $47,600 Building $129,300
2023	$3,482.00
2009			$176,900 Land $47,600 Building $129,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 11, 2024 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–1985)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 1985 · Hurricane Gloria

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

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

Wildfire Risk	Low lower than 65% of the US · above 82% of Pennsylvania
Wildfire Likelihood	0.04% 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	PAW CRYSTAL LAKE private · serves 9,773 people · EPA ID PA2409003
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Service Electric Cable TV Cable	2,000 / 40
Breezeline Cable	1,000 / 50
SkyPacket Fixed Wireless	100 / 20

May also be available: Verizon.

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