Lancaster County property record for 546 Terrace Ave, Mount Joy, PA 17552
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,264 sqft · built 1968 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $129,500 (Apr 2001) |
| Tax Bill | $3,700 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 450-47078-0-0000 |
| Primary APN | 450-47078-0-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,264 sqft Living Area |
| Gross Area | 2,110 sqft |
| 1st Floor Area | 1,060 sqft |
| Basement Area | 990 sqft |
| Finished Basement | 204 sqft |
| Unfinished Basement | 786 sqft |
| Game Room | Game Room |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Basement |
| Garage Area | 1 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 60 sqft |
| Deck Area | 207 sqft |
| Patio Area | 204 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 546 TERRACE AVE |
|---|---|
| City | MOUNT JOY |
| State | PA |
| Zip | 17552-1134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LDR |
| Legal Description | 546 TERRACE AVE |
| Legal Subdivision | FLORIN HEIGHTS |
| Legal Lot Number | 4 |
| Jurisdiction | LANCASTER PA |
| Township / Civil Division | MOUNT JOY |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 10902 |
546 Terrace Ave is owned and occupied by an individual who acquired it in May 2026.
Source: Lancaster County records, as of May 27, 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 | Individual Name on File |
|---|---|
| Mailing Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| May 18, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 18, 2026 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 2001 · Amount on File |
| Deed Sale | Apr 9, 2001 · Amount on File |
| Deed Document Number | 20011020973 |
| Deed Book / Page | 7041 / 625 |
| Last Transfer Date | May 11, 2026 |
| Transfer Doc | 20260019633 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Document Number | 0006612249 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 6612249 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 251 Months |
| Due | May 1, 2042 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER PA |
| Recording Date | May 18, 2026 |
| Property Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Document Number | 0000019633 |
| Instrument Date | May 11, 2026 |
| Instrument | 202619633 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Document Number | 0000019634, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202619634 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.46% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | LANCASTER PA |
| Recording Date | May 18, 2026 |
| Property Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Document Number | 20260019633 |
| Instrument Date | May 11, 2026 |
| Instrument | 202619633 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 546 TERRACE AVE, MOUNT JOY, PA 17552-1134 |
| Document Number | 0000019634, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 202619634 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 546 Terrace Ave was $3,700 with a homeowner's exemption, up 1.8% from the year before.
Source: Lancaster County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Lancaster County |
| Municipality | Mount Joy Borough |
| Unified School District | Donegal School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $135,900 Land $50,300 Building $85,600 | $135,900 Land $50,300 Building $85,600 | |
| 2025 | $3,700.00 (+1.79%) | ||
| 2024 | $3,635.00 | $135,900 Land $50,300 Building $85,600 | |
| 2018 | $135,900 Land $50,300 Building $85,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 546 Terrace Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective June 10, 2026 · 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 | 1 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
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 546 Terrace Ave 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 | Direct burnable vegetation |
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 | MT JOY BORO AUTH serves 15,261 people · EPA ID PA7360091 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | Jan 2026 |
| Lead | 4 ppb (2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 427 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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