46 Michael Ct, Ephrata, PA 17522 Property Records

Lancaster County property record for 46 Michael Ct, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,160 sqft · built 1994
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$132,900 (Jul 2015)
Tax Bill	$3,132 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260-78103-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-78103-0-0000`
Alternative APN	`2607M12 1 85`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,160 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	560 sqft
Upper Floors Area	600 sqft
Basement Area	560 sqft
Game Room	Game Room

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Exterior Amenities

Porch	Slab
Porch Area	80 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	46 MICHAEL CT
City	EPHRATA
State	PA
Zip	17522-2569
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RHD
Legal Description	46 MICHAEL CT
Legal Subdivision	KREISER FINAL PLAN
Legal Lot Number	85
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	1
Census Block	1005
Census Tract	12200

Owner

46 Michael Ct is owned and occupied by an individual who bought it in July 2015.

Source: Lancaster County records, as of May 27, 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	46 MICHAEL CT, EPHRATA, PA 17522-2569
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNSYLVANIA STATE EMPLOYEES CU
Sep 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage PSECU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 24, 2015 · Amount on File
Deed Sale	Jul 24, 2015 · Amount on File
Prior Sale	Dec 1, 2010 · Amount on File
Deed Document Number	20156216508
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	46 MICHAEL CT, EPHRATA, PA 17522-2569
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	OC ABSTRACT, CU ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0006633940
Date	Sep 24, 2021
Instrument	6633940

Lender

Name	PENNSYLVANIA STATE EMPLOYEES CU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	46 MICHAEL CT, EPHRATA, PA 17522-2569
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0006704881
Date	Sep 27, 2022
Instrument	6704881

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 46 Michael Ct was $3,132 with a homeowner's exemption, up 2.3% from the year before.

Source: Lancaster County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Ephrata Borough
Unified School District	Ephrata Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$127,700 Land $42,000 Building $85,700	$127,700 Land $42,000 Building $85,700
2025	$3,132.00 (+2.29%)
2024	$3,062.00	$127,700 Land $42,000 Building $85,700
2018			$127,700 Land $42,000 Building $85,700

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

Flood

FEMA maps place 46 Michael Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 46 Michael Ct has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 486 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

May also be available: AT&T, Upward Broadband.

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