Delaware County property record for 521 Cedar Ln, Swarthmore, PA 19081
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 3,085 sqft · built 1920 |
| Lot Size | 0.326 acres (14,201 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $16,505 (2026) |
| Deeds & Mortgages | Jan 2018 Line of Credit Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 43-03-052:000 |
| Primary APN | 43-03-052:000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,085 sqft Living Area |
| 1st Floor Area | 3,085 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Stucco |
| Lot Area | 14,201 sqft (0.326 acres) |
| Lot Dimensions | 175 ft deep x 80 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4303052000 |
|---|---|
| Street Address | 521 CEDAR LN |
| City | SWARTHMORE |
| State | PA |
| Zip | 19081-1106 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HSE GAR ADD LOT 80 X 175.92 IRR |
| Legal Subdivision | HSE GAR ADD |
| Legal Block | 30 |
| Legal Lot Number | 80 |
| Jurisdiction | DELAWARE PA |
| Township / Civil Division | SWARTHMORE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 407600 |
521 Cedar Ln is owned and occupied by two individuals.
Source: Delaware County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 521 CEDAR LN, SWARTHMORE, PA 19081-1106 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 3, 2018 | Deed of Trust, Mortgage · Line of Credit TD BANK NA |
| Aug 28, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE PA |
| Property Address | 521 CEDAR LN, SWARTHMORE, PA 19081-1106 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0061111559 |
|---|---|
| Date | Jan 3, 2018 |
| Book Page | 06111/1559 |
| Instrument | 2018000525 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | PORTLAND, ME 04101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 18, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DELAWARE PA |
| Property Address | 521 CEDAR LN, SWARTHMORE, PA 19081-1106 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATLANTIS ABSTRACT LLC |
| Name | Verified Name |
|---|
| Document Number | 0063791192 |
|---|---|
| Date | Aug 28, 2019 |
| Book Page | 06379/1192 |
| Instrument | 2019048839 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
The 2026 property tax bill for 521 Cedar Ln was $16,505 with a homeowner's exemption.
Source: Delaware County assessment roll, as of May 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Delaware County |
| Municipality | Swarthmore Borough |
| Unified School District | Wallingford-Swarthmore School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,505.00 Homeowner's exemption | $422,790 Land $155,460 Building $267,330 | $422,790 Land $155,460 Building $267,330 |
| 2024 | $422,790 Land $155,460 Building $267,330 | ||
| 2023 | $23,486.00 Homeowner's exemption | ||
| 2021 | $422,790 (-) | ||
| 2020 | $422,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Cedar Ln in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 2007.
Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · 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 | 6 in force |
| Nearby Flood Claims | 8 (2007–2020) |
| Claims Outside the SFHA | 7 of 8 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
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 risk around 521 Cedar Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA PA MAIN SYSTEM private · serves 822,600 people · EPA ID PA1460073 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Nov 2024 E. coli resolved · Jul 2017 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 27 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 303 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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