61 Congress Rd, Mountain Top, PA 18707 Property Records

Luzerne County property record for 61 Congress Rd, Mountain Top, PA 18707

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 2019
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$268,000 (Jan 2020)
Tax Bill	$4,774 (2026)
Deeds & Mortgages	Feb 2024 Second Mortgage Jan 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`64-M9S5-006-003`

Property Details

APN / Parcel Number

Primary APN	`64-M9S5-006-003`
Alternative APNs	`64-M9S5-006-003-000` `6400M9S5 006003`

Interior

Stories	1 Story
Building Area	1,440 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	121 ft deep x 100 ft wide

Location & Zoning

Old Parcel Number	64-M9S5-006-003
Street Address	61 CONGRESS RD
City	MOUNTAIN TOP
State	PA
Zip	18707-2334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	64-221-D4-1-D70-3 CONGRESS RD
Legal Subdivision	CAPITAL HILL VILLAGE
Legal Block	6
Legal Lot Number	3
Jurisdiction	LUZERNE PA
Township / Civil Division	WRIGHT
Census Block Group	3
Census Block	3011
Census Tract	215502

Owner

61 Congress Rd is owned and occupied by two individuals who bought it in January 2020.

Source: Luzerne County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	61 CONGRESS RD, MOUNTAIN TOP, PA 18707-2334
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SERVICE 1ST FCU
Jan 27, 2020	Deed, Transfer · FHA Mortgage FIRST HERITAGE FINANCIAL LLC
Dec 28, 2018	Deed of Trust, Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2020 · Amount on File
Deed Sale	Jan 27, 2020 · Amount on File
Prior Sale	Aug 31, 2016 · Amount on File
Deed Document Number	20204821
Deed Book / Page	3020 / 16562
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	61 CONGRESS RD, MOUNTAIN TOP, PA 18707-2334
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009034
Date	Feb 22, 2024
Book Page	3024/29976
Instrument	202409034

Lender

Name	SERVICE 1ST FCU
Type	Credit Union
Address	DANVILLE, PA 17821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 8, 2039

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LUZERNE PA
Recording Date	Jan 27, 2020
Property Address	61 CONGRESS RD, MOUNTAIN TOP, PA 18707-2334
Document Number	0000004821
Book / Page	3020 / 016562
Instrument Date	Dec 6, 2019
Instrument	202004821
Transaction Type	Transfer
Record Updated	Jul 15, 2021
Title Company	VELOCITY ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,680.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 CONGRESS RD, MOUNTAIN TOP, PA 18707-2334
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004822
Date	Jan 27, 2020
Instrument	202004822

Lender

Name	FIRST HERITAGE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	61 CONGRESS RD, MOUNTAIN TOP, PA 18707-2334
Document Number	0000002005
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 24, 2019
Title Company	BB AND T INSURANCE SERVICES INC, BB&T INS SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 KLINGERS RD DRUMS PA 182221843, DRUMS, PA 18222-1843

Mortgage

Document Number	0000002005
Date	Jan 9, 2019
Book Page	003019/006503
Instrument	2005

Lender

Name	BRANCH BK&TR
Type	Bank
Address	ALLENTOWN, PA 18101

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 61 Congress Rd was $4,774 with a homeowner's exemption.

Source: Luzerne County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Luzerne County
County Subdivision	Wright Township
Unified School District	Crestwood School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,774.00 Homeowner's exemption	$231,000 Land $31,000 Building $200,000
2025	$4,774.00
2024		$231,000 Land $31,000 Building $200,000
2023	$4,547.00
2009			$231,000 Land $31,000 Building $200,000

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

Flood

FEMA maps place 61 Congress Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective November 11, 2024 · 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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–1985)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 1985 · Hurricane Gloria

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

Wildfire risk around 61 Congress Rd is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 94% of Pennsylvania
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	PAW CRYSTAL LAKE private · serves 9,773 people · EPA ID PA2409003
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Service Electric Cable TV Cable	2,000 / 40
Breezeline Cable	1,000 / 50
SkyPacket Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Congress Rd

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