61 Spruce St, Mountain Top, PA 18707 Property Records

Luzerne County property record for 61 Spruce St, Mountain Top, PA 18707

Property Summary

Property Type	Single Family Home
Details	1,437 sqft · built 1953
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Aug 2025)
Tax Bill	$1,687 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-L9S1-007-006`

Property Details

APN / Parcel Number

Primary APN	`20-L9S1-007-006`
Alternative APNs	`20-L9S1-007-006-000` `2000L9S1 007006`

Interior

Building Area	1,437 sqft Living Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Lot Area	18,295 sqft (0.42 acres)

Location & Zoning

Old Parcel Number	20-L9S1-007-006
Street Address	61 SPRUCE ST
City	MOUNTAIN TOP
State	PA
Zip	18707-1401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	20-142-1-D29 61 SPRUCE ST
Legal Subdivision	ADDITION TO FAIRVIEW HEIGHTS
Legal Block	7
Legal Lot Number	6
Jurisdiction	LUZERNE PA
Township / Civil Division	FAIRVIEW
Census Block Group	1
Census Block	1027
Census Tract	215501

Owner

61 Spruce St is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 3, 2022	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Jul 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage THE FIDELITY DEPOSIT & DISCOUNT BANK
Aug 1, 2025	Deed, Transfer · Conventional Mortgage KEYSTONE FUNDING INC
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PSECU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2025 · Amount on File
Deed Sale	Aug 1, 2025 · Amount on File
Prior Sale	May 31, 2013 · Amount on File
Deed Document Number	202539972
Deed Book / Page	3025 / 164080
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000029
Date	Jan 3, 2022
Book Page	3022/150
Instrument	202200029

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401

Mortgage

Document Number	0000039653
Date	Jul 29, 2024
Book Page	3024/141830
Instrument	202439653

Lender

Name	THE FIDELITY DEPOSIT & DISCOUNT BANK
Type	Bank
Address	SCRANTON, PA 18512

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 10, 2049

August 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	LUZERNE PA
Recording Date	Aug 1, 2025
Property Address	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401
Document Number	0000039972
Book / Page	3025 / 164080
Instrument Date	Jul 29, 2025
Instrument	202539972
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NORTH STAR SETTLEMENTS LLC, NORTHEAST PA SETTLEMENTS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
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	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401

Mortgage

Document Number	0000039973
Date	Aug 1, 2025
Instrument	202539973

Lender

Name	KEYSTONE FUNDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUZERNE PA
Property Address	61 SPRUCE ST, MOUNTAIN TOP, PA 18707-1401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051294
Date	Oct 22, 2020
Book Page	3020/215448
Instrument	202051294

Lender

Name	PSECU
Type	Credit Union
Address	HARRISBURG, PA 17106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	61 Months
Due	Nov 1, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 61 Spruce St was $1,687, up 0.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,687.00 (+0.06%)	$79,500 Land $35,700 Building $43,800
2025	$1,686.00
2024		$79,500 Land $35,700 Building $43,800
2023	$1,600.00
2009			$79,500 Land $35,700 Building $43,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 61 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1987)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 1987 · 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

Wildfire risk around 61 Spruce St is low, with 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 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	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.

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 251 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
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
SkyPacket Fixed Wireless	100 / 20

May also be available: Frontier.

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