538 E Main St, Ephrata, PA 17522 Property Records

Lancaster County property record for 538 E Main St, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,341 sqft · built 1918
Lot Size	0.14 acres (6,098 sqft)
Owner	Company Name on Record
Last Sale	$220,000 (Nov 2025)
Tax Bill	$3,147 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`260-81961-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-81961-0-0000`
Alternative APN	`2607M12 5 35`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,341 sqft Living Area
Gross Area	2,173 sqft
1st Floor Area	832 sqft
Upper Floors Area	509 sqft
Basement Area	728 sqft
Game Room	Game Room

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)

Exterior Amenities

Porch	Enclosed Porch
Porch Area	312 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	538 E MAIN ST
City	MOUNT JOY
State	PA
Zip	17552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NC
Legal Description	538 E MAIN ST
Legal Lot Number	35
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	1
Census Block	1001
Census Tract	12200

Owner

Source: Lancaster County records, as of September 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	513 RIDGE AVE, EPHRATA, PA 17522-9227
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage LENDINGONE
Nov 18, 2025	Deed, Transfer · Commercial Mortgage LENDINGONE LLC
Jul 23, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on Record
Deed Sale	Nov 18, 2025 · Amount on Record
Deed Document Number	202546099
Prior Transfer Date	Apr 12, 2018
Prior Transfer Doc	0006409096
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Recording Date	Sep 8, 2026
Property Address	538 E MAIN ST, MOUNT JOY, PA 17552
Document Number	0000037416
Instrument Date	Sep 4, 2026
Instrument	202637416
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	HOMESALE SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	513 RIDGE AVE, EPHRATA, PA 17522-9227

Mortgage

Document Number	0000037416,
Date	Sep 8, 2026
Instrument	202637416

Lender

Name	LENDINGONE

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Nov 18, 2025
Property Address	538 E MAIN ST, EPHRATA, PA 17522-2508
Document Number	20250046099
Map Reference	VOL 2225 PG 3616
Instrument Date	Nov 10, 2025
Instrument	20250046099
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.00
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 in Severalty
Address	513 RIDGE AVE, EPHRATA, PA 17522-9227

Mortgage

Document Number	20250046100
Date	Nov 18, 2025
Instrument	20250046100

Lender

Name	LENDINGONE LLC
Type	Lending Institution
Address	BOCA RATON, FL 33431

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Sep 1, 2026

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LANCASTER PA
Recording Date	Jul 23, 2018
Property Address	538 E MAIN ST, EPHRATA, PA 17522-2508
Document Number	0006409096
Instrument Date	Apr 12, 2018
Instrument	6409096
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 E MAIN ST EPHRATA PA 175222508, EPHRATA, PA 17522-2508

Tax Assessment & Valuation

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		$128,300 (-) Land $42,600 Building $85,700	$128,300 (-) Land $42,600 Building $85,700
2025	$3,147.00 (+2.31%)	$128,300 (-) Land $42,600 Building $85,700
2024	$3,076.00 Homeowner's exemption	$128,300 Land $42,600 Building $85,700
2018			$128,300 Land $42,600 Building $85,700

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 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 98.3% 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	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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