538 E Locust St, Bethlehem, PA 18018 Property Records

Northampton County property record for 538 E Locust St, Bethlehem, PA 18018

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,472 sqft · built 1987
Lot Size	0.06 acres (2,657 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (Apr 2024)
Tax Bill	$494 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`4863-13-1003-5052`

Property Details

APN / Parcel Number

Primary APN	`4863-13-1003-5052`
Alternative APN	`N6SE3D 6 9A 0204`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,472 sqft Living Area

Exterior

Year Built	Built 1987
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	2,657 sqft (0.06 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	538 E LOCUST ST
City	BETHLEHEM
State	PA
Zip	18018-3131
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT
Legal Description	DIST:04 CITY/MUNI/TWP:BETHLEHEM CITY
Legal Block	6
Legal Lot Number	9A
Jurisdiction	NORTHAMPTON PA
Township / Civil Division	BETHLEHEM
Census Block Group	4
Census Block	4039
Census Tract	10601

Owner

Source: Northampton County assessment roll, as of September 1, 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 12, 2026	Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC
Apr 3, 2024	Deed, Transfer · Conventional Mortgage PLANET HOME LENDING LLC
Sep 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 28, 2017	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FAMILY FINANCIAL SERVICES INC
Oct 2, 2020	Grant Deed, Transfer PARAMOUNT ABSTRACT INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 3, 2024 · Amount on Record
Deed Sale	Apr 3, 2024 · Amount on Record
Prior Sale	Apr 16, 2015 · Amount on Record
Deed Document Number	024-154633
Deed Book / Page	2024-1 / 54633
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Property Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131
Transaction Type	Mortgage
Record Updated	Feb 25, 2026
Title Company	SOURCEPOINT TITLE SVCS, SOURCEPOINT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131

Mortgage

Document Number	0000003353
Date	Feb 12, 2026
Book Page	2026-1/31185
Instrument	2026003353

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2056

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	Apr 3, 2024
Property Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131
Document Number	0000006406
Book / Page	2024-1 / 54633
Instrument Date	Mar 25, 2024
Instrument	2024006406
Transaction Type	Transfer
Record Updated	Apr 16, 2024
Title Company	KEYSTONE PREMIER SETTLEMENT SE, KEYSTONE PREMIER STLMT SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
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	538 E LOCUST ST, BETHLEHEM, PA 18018-3131

Mortgage

Document Number	0000006407
Date	Apr 3, 2024
Instrument	2024006407

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Property Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131
Transaction Type	Mortgage
Record Updated	Sep 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131

Mortgage

Document Number	0000020224
Date	Sep 18, 2023
Book Page	2023-1/177353
Instrument	2023020224

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	287 Months
Due	Aug 1, 2047

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON PA
Property Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020226
Date	Jul 28, 2017
Book Page	2017-1/160240
Instrument	2017020226

Lender

Name	AMERICAN FAMILY FINANCIAL SERVICES INC
Type	Subprime Lender
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	NORTHAMPTON PA
Recording Date	Oct 2, 2020
Property Address	538 E LOCUST ST, BETHLEHEM, PA 18018-3131
Document Number	0000028345
Book / Page	000001 / 252953
Instrument Date	Sep 25, 2020
Instrument	28345
Transaction Type	Transfer
Record Updated	Oct 12, 2020
Title Company	PARAMOUNT ABSTRACT INC

Transaction

Amount	Amount Recorded
Tax	$2,550.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E LOCUST ST BETHLEHEM PA 180183131, BETHLEHEM, PA 18018-3131

Tax Assessment & Valuation

Source: Northampton County assessment roll, as of September 1, 2025

Property Jurisdictions

Type	Name
State	Pennsylvania
Municipality	Bethlehem City
County	Northampton County
Unified School District	Bethlehem Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$494.00 (-87.8%)	$45,800 (-) Land $12,400 Building $33,400
2024	$4,048.00	$45,800 Land $12,400 Building $33,400
1995			$91,600 Land $24,800 Building $66,800

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 December 31, 2024

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

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

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

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

Water System	CITY OF BETHLEHEM serves 117,259 people · EPA ID PA3480046
Water Source	Surface water
Last State Inspection	May 2024
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	1 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 751 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Radiate Holdings Cable	1,500 / 50
Service Electric Television Cable	1,000 / 40
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Lehigh WiFi.

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