540 Main St, Ernest, PA 15739 Property Records

Indiana County property record for 540 Main St, Ernest, PA 15739 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 909 sqft · built 1907
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$63,500 (Jan 2021)
Tax Bill	$1,121 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`44-002-216`

Property Details

APN / Parcel Number

Primary APN	`44-002-216`
Alternative APN	`00045357`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	909 sqft Living Area
Basement Area	826 sqft
Finished Basement	310 sqft
Unfinished Basement	516 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 2013
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	135 ft deep x 40 ft wide
Terrain	Rolling
Garage Area	330 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Shed	1 Shed
Shed Area	170 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	00045357
Street Address	540 MAIN ST
City	ERNEST
State	PA
Zip	15739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT F 40X135 1 HO 1 GA
Jurisdiction	INDIANA PA
Township / Civil Division	ERNEST
Census Block Group	2
Census Block	2033
Census Tract	960500

Owner

Source: Indiana County records · APN 44-002-216

Assessment roll updated June 30, 2025 · Last verified June 2026

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
Mailing Address	PO BOX 86, ERNEST, PA 15739-0086
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 07, 2020	Deed of Trust, Mortgage · Commercial Mortgage CNB BANK
Jan 15, 2021	Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 27, 2018	Deed, Transfer · Commercial Mortgage CNB BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 15, 2021 · Amount on Record
Deed Sale	Jan 15, 2021 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	2021315390
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	INDIANA PA
Property Address	540 MAIN ST, ERNEST, PA 15739
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	EXACT ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020310860
Date	Aug 07, 2020
Instrument	2020-310860

Lender

Name	CNB BANK
Type	Bank
Address	INDIANA, PA 15701

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Jul 28, 2040

Interest

Rate Type	Adjustable Rate

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	INDIANA PA
Recording Date	Jan 15, 2021
Property Address	540 MAIN ST, ERNEST, PA 15739
Document Number	2021315390
Map Reference	MB 1 PG 104
Instrument Date	Nov 28, 2020
Instrument	2021-315390
Transaction Type	Transfer
Record Updated	Jul 19, 2021
Title Company	KEYMAX SETTLEMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$635.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 MAIN ST, ERNEST, PA 15739

Mortgage

Document Number	2021315391
Date	Jan 15, 2021
Instrument	2021-315391

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	INDIANA PA
Recording Date	Jul 27, 2018
Property Address	540 MAIN ST, ERNEST, PA 15739
Document Number	2018293605
Instrument Date	Jul 10, 2018
Instrument	2018-293605
Transaction Type	Transfer
Record Updated	Jul 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3055 OVERLOOK PL, 3055, CLEARWATER, FL 33760-1739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 MANI ST, ERNEST, PA 15739

Mortgage

Document Number	2018293606
Date	Jul 27, 2018
Instrument	2018-293606

Lender

Name	CNB BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 25, 2038

Tax Assessment & Valuation

Source: Indiana County records · Assessment roll updated June 30, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Indiana County
Municipality	Ernest Borough
Unified School District	Marion Center Area School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,121.00 (+13.12%)	$50,900 (-) Land $10,000 Building $40,900	$50,900 (-) Land $10,000 Building $40,900
2023	$991.00	$50,900 Land $10,000 Building $40,900
2015			$50,900 Land $10,000 Building $40,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Indiana County (42063C), updated July 23, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 420639605002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2004)
Most Recent Claim	Sep 2004, river or lake flooding, Tropical Depression Ivan

Wildfire

Wildfire Risk	Low above 7% of the US · above 8% of Pennsylvania
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 177 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

4G LTE (outdoors only), no 5G reported

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