51 Charles St, Kingston, PA 18704 Property Records

Luzerne County property record for 51 Charles St, Kingston, PA 18704

Property Summary

Property Type	Single Family Home
Details	1,416 sqft · built 1920
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$241,000 (Feb 2026)
Tax Bill	$2,131 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`38-G9S2-001-019`

Property Details

APN / Parcel Number

Primary APN	`38-G9S2-001-019`
Alternative APNs	`38-G9S2-001-019-000` `3807G9S2 001019`

Interior

Stories	2 Stories
Building Area	1,416 sqft Living Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Lot Area	14,810 sqft (0.34 acres)

Location & Zoning

Old Parcel Number	38-G9S2-001-019
Street Address	51 CHARLES ST
City	KINGSTON
State	PA
Zip	18704-1001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	38-C-545-R7-2 51 CHARLES ST
Legal Block	1
Legal Lot Number	19
Jurisdiction	LUZERNE PA
Township / Civil Division	LARKSVILLE
Census Block Group	1
Census Block	1002
Census Tract	213400

Owner

Source: Luzerne County records, as of August 13, 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	2 Individual Names on Record
Mailing Address	51 CHARLES ST, KINGSTON, PA 18704-1001
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 2, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNSYLVANIA HSNG FINANCE AGENCY
May 16, 2018	Deed of Trust, Mortgage · Line of Credit LUZERNE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2026 · Amount on Record
Deed Sale	Feb 2, 2026 · Amount on Record
Prior Sale	Dec 28, 2011 · Amount on Record
Deed Document Number	20265748
Deed Book / Page	3026 / 27226
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	51 CHARLES ST, LARKSVILLE, PA 18704-1001
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CHARLES ST, LARKSVILLE, PA 18704-1001

Mortgage

Document Number	0000001791
Date	Jan 12, 2026
Book Page	3026/10347
Instrument	202601791

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	51 CHARLES ST, LARKSVILLE, PA 18704-1001
Transaction Type	Mortgage
Record Updated	Mar 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037778
Date	Jun 16, 2021
Book Page	3021/159808
Instrument	202137778

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LUZERNE PA
Recording Date	Feb 2, 2026
Property Address	51 CHARLES ST, LARKSVILLE, PA 18704-1001
Document Number	0000005748
Book / Page	3026 / 27226
Instrument Date	Jan 30, 2026
Instrument	202605748
Transaction Type	Transfer
Record Updated	Mar 2, 2026
Title Company	BLUE STAR STLMT SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,410.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CHARLES ST, LARKSVILLE, PA 18704-1001

Mortgage

Document Number	0000005760
Date	Feb 2, 2026
Instrument	202605760

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Mortgage

Document Number	0000005766
Date	Feb 2, 2026
Book Page	3026/27275
Instrument	202605766

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	YORK, PA 17402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Recording Date	Apr 24, 2026
Property Address	51 CHARLES ST, KINGSTON, PA 18704-1001
Document Number	0000022497
Book / Page	3026 / 94950
Instrument Date	Jan 30, 2026
Instrument	202622497
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BLUESTONE ABSTRACT LLC, BLUESTONE ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CHARLES ST, KINGSTON, PA 18704-1001

Mortgage

Document Number	0000022497,
Date	Apr 24, 2026
Book Page	3026/94950
Instrument	202622497

Lender

Name	PENNSYLVANIA HSNG FINANCE AGENCY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.15%
Max Rate	-1%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	51 CHARLES ST, KINGSTON, PA 18704-1001
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025677
Date	May 16, 2018
Book Page	3018/087444
Instrument	201825677

Lender

Name	LUZERNE BANK
Type	Bank
Address	LUZERNE, PA 18709

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
Municipality	Larksville Borough
Unified School District	Wyoming Valley West School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,131.00 Homeowner's exemption	$71,200 (-) Land $30,700 Building $40,500
2025	$2,131.00 (+3.8%)	$71,200 (-) Land $30,700 Building $40,500
2024	$2,053.00 (+2.34%)	$71,200 Land $30,700 Building $40,500
2023	$2,006.00
2009			$71,200 Land $30,700 Building $40,500

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1983 · tidal / storm surge

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 67% of the US · above 79% of Pennsylvania
Wildfire Likelihood	0.03% 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 CEASETOWN private · serves 58,467 people · EPA ID PA2409002
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 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 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
SkyPacket Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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