4775 White Oak Cir, Emmaus, PA 18049 Property Records

Lehigh County property record for 4775 White Oak Cir, Emmaus, PA 18049

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,564 sqft · built 1979
Lot Size	0.551 acres (24,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$526,000 (Apr 2023)
Tax Bill	$8,512 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jan 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`548446064016-1`

Property Details

APN / Parcel Number

Primary APN	`548446064016-1`
Alternative APN	`12 K08NE4 001 016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,564 sqft Base Area
1st Floor Area	2,564 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Lot Area	24,005 sqft (0.551 acres)
Lot Dimensions	157 ft deep x 59.6 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4775 WHITE OAK CIR
City	EMMAUS
State	PA
Zip	18049-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	S
Legal Description	LOTS: 016
Legal Subdivision	MILLBROOK FARMS
Legal Block	1
Legal Lot Number	16
Jurisdiction	LEHIGH PA
Township / Civil Division	LOWER MACUNGIE
Census Block Group	2
Census Block	2010
Census Tract	6310

Owner

Source: Lehigh County records, as of July 21, 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	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Jan 4, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 26, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/PA
Aug 29, 2017	Grant Deed, Transfer · Conventional Mortgage PEOPLE FIRST FCU
Mar 29, 2017	Trustee's Deed, Construction Loan · Line of Credit LAFAYETTE AMBASSADOR BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2023 · Amount on Record
Deed Sale	Apr 3, 2023 · Amount on Record
Prior Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	20237254
Prior Transfer Date	Mar 27, 2002
Prior Transfer Doc	0017080414
Record Updated	Oct 29, 2026

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LEHIGH PA
Recording Date	Apr 3, 2023
Property Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216
Document Number	0000007254
Map Reference	VOL 20 PG 24
Instrument Date	Mar 31, 2023
Instrument	2023007254
Transaction Type	Transfer
Record Updated	Apr 11, 2023
Title Company	FIRST UNITED LAND TRANSFER INC, FIRST UNITED LAND TRANSFER I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216

Mortgage

Document Number	0000007255
Date	Apr 3, 2023
Instrument	2023007255

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEHIGH PA
Property Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216
Transaction Type	Mortgage
Record Updated	Jan 13, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216

Mortgage

Document Number	0000000336
Date	Jan 4, 2022
Instrument	2022000336

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Dec 14, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LEHIGH PA
Property Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216
Document Number	0000034627
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017
Title Company	EQUITY NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 WHITE OAK CIR EMMAUS PA 180491216, EMMAUS, PA 18049-1216

Mortgage

Document Number	0000034627
Date	Nov 20, 2017
Instrument	34627

Lender

Name	CITIZENS BK/PA
Type	Bank
Address	PHILADELPHIA, PA 19103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 19, 2042

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LEHIGH PA
Recording Date	Aug 29, 2017
Property Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216
Document Number	0000025373
Instrument Date	Aug 25, 2017
Instrument	25373
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	FIRST UNITED LAND TRANSFER INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,540.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4775 WHITE OAK CIR EMMAUS PA 180491216, EMMAUS, PA 18049-1216

Mortgage

Document Number	25374
Date	Aug 29, 2017
Instrument	25374

Lender

Name	PEOPLE FIRST FCU
Type	Credit Union
Address	ALLENTOWN, PA 18103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 28, 2032

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LEHIGH PA
Recording Date	Mar 29, 2017
Property Address	4775 WHITE OAK CIR, EMMAUS, PA 18049-1216
Instrument Date	Mar 4, 2017
Instrument	8719
Transaction Type	Construction Loan
Record Updated	Jun 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 WHITE OAK CIR EMMAUS PA 180491216, EMMAUS, PA 18049-1216

Mortgage

Document Number	0000008719
Date	Mar 29, 2017
Instrument	8719

Lender

Name	LAFAYETTE AMBASSADOR BK
Type	Bank
Address	LEHIGH VALLEY, PA 18002-5091

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Lehigh County assessment roll, as of March 20, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lehigh County
County Subdivision	Lower Macungie Township
Unified School District	East Penn School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,512.00 (+6.76%)	$322,800 (-) Land $53,500 Building $269,300
2024	$7,973.00	$322,800 Land $53,500 Building $269,300
2013			$322,800 Land $53,500 Building $269,300

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 3, 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
Nearby Flood Policies	5 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% of Pennsylvania
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LCA WLSA CENTRAL DIVISION serves 47,693 people · EPA ID PA3390073
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Di(2-ethylhexyl) phthalate resolved · Jul 2019 E. coli resolved · Aug 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Service Electric Cable TV Cable	1,000 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Lehigh WiFi, Verizon.

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