Lancaster County property record for 631 W Main St, Ephrata, PA 17522
| Property Type | Duplex |
|---|---|
| Details | 2 bd · 2 ba · 1,416 sqft · built 1920 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Oct 2019) |
| Tax Bill | $2,838 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 260-49991-0-0000 |
| Primary APN | 260-49991-0-0000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 1,416 sqft Living Area |
| Gross Area | 1,915 sqft |
| 1st Floor Area | 707 sqft |
| Upper Floors Area | 607 sqft |
| Basement Area | 403 sqft |
| Game Room | Game Room |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Duplex Single |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 20 sqft |
| Patio Area | 20 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 631 W MAIN ST |
|---|---|
| City | MOUNT JOY |
| State | PA |
| Zip | 17552-1123 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RHD |
| Legal Description | 631 W MAIN ST |
| Legal Lot Number | 14A |
| Jurisdiction | LANCASTER PA |
| Township / Civil Division | EPHRATA |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 12301 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Ephrata Cloister listed 1967 · 8 contributing resources · National Historic Landmark (designated 1967) · NRIS 67000026 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
631 W Main St, a duplex, is owned and occupied by two individuals who bought it in October 2019.
Source: Lancaster County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 270 CHESTNUT HILL RD, STEVENS, PA 17578-9465 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF BIRD IN HAND |
| Oct 1, 2019 | Grant Deed, Transfer · Conventional Mortgage BANK OF BIRD-IN-HAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2019 · Amount on File |
| Deed Sale | Oct 1, 2019 · Amount on File |
| Deed Document Number | 20196482450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LANCASTER PA |
| Property Address | 631 W MAIN ST, EPHRATA, PA 17522-1718 |
| Transaction Type | Mortgage |
| Record Updated | Dec 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 270 CHESTNUT HILL RD, STEVENS, PA 17578-9465 |
| Document Number | 0006716435 |
|---|---|
| Date | Dec 14, 2022 |
| Instrument | 6716435 |
| Name | BANK OF BIRD IN HAND |
|---|---|
| Type | Bank |
| Address | BIRD IN HAND, PA 17505 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LANCASTER PA |
| Recording Date | Oct 1, 2019 |
| Property Address | 631 W MAIN ST, EPHRATA, PA 17522-1718 |
| Document Number | 0006482450 |
| Instrument Date | Oct 1, 2019 |
| Instrument | 6482450 |
| Transaction Type | Transfer |
| Record Updated | Oct 31, 2019 |
| Title Company | LANCASTER COUNTY SETTLEMENT SERVICES, LANCASTER CNTY SETTLEMENT SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,000.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 270 CHESTNUT HILL RD STEVENS PA 175789465, STEVENS, PA 17578-9465 |
| Document Number | 6482451 |
|---|---|
| Date | Oct 1, 2019 |
| Instrument | 6482451 |
| Name | BANK OF BIRD-IN-HAND |
|---|---|
| Type | Bank |
| Address | BIRD IN HAND, PA 17505 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 631 W Main St was $2,838 with a homeowner's exemption, up 2.3% from the year before.
Source: Lancaster County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Lancaster County |
| Municipality | Ephrata Borough |
| Unified School District | Ephrata Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $115,700 Land $34,100 Building $81,600 | $115,700 Land $34,100 Building $81,600 | |
| 2025 | $2,838.00 (+2.31%) | ||
| 2024 | $2,774.00 | $115,700 Land $34,100 Building $81,600 | |
| 2018 | $115,700 Land $34,100 Building $81,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 631 W Main 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 June 10, 2026 · 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 | 4 in force |
| Nearby Flood Claims | 11 (1978–1987) |
| Most Recent Claim | Sep 1987 · river or lake flooding |
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 631 W Main St 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| 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 |
| Upward Broadband Fixed Wireless | 100 / 40 |
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