645 Long Mountain Rd, Effort, PA 18330 Property Records

Monroe County property record for 645 Long Mountain Rd, Effort, PA 18330

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,664 sqft · built 1989
Lot Size	1.26 acres (54,886 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (May 2026)
Tax Bill	$1,073 (2026)
Deeds & Mortgages	May 2026 Sale May 2026 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`13.116464`

Property Details

APN / Parcel Number

Primary APN	`13.116464`
Alternative APN	`13622900905935`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
1st Floor Area	768 sqft
Basement Area	768 sqft
Finished Basement	768 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Brick/Stone
Lot Area	54,886 sqft (1.26 acres)
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	13622900905935
Street Address	645 LONG MOUNTAIN RD
City	EFFORT
State	PA
Zip	18330-7725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 2
Legal Block	90
Legal Lot Number	2
Jurisdiction	MONROE PA
Township / Civil Division	POLK
Census Block Group	1
Census Block	1004
Census Tract	301304

Owner

Source: Monroe County records, as of September 21, 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 Record
Mailing Address	11 SYLVAN AVE, RIVERHEAD, NY 11901-4323
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed, Transfer CARBON SEARCH AND SETTLEMENT INC, CARBON SEARCH & SETTLEMENT
May 15, 2026	Deed, Transfer CARBON SEARCH AND SETTLEMENT INC, CARBON SEARCH & SETTLEMENT
Jun 30, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Jun 9, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jul 22, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jan 13, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Prior Sale	Jan 19, 2016 · Amount on Record
Deed Document Number	202611618
Deed Book / Page	2691 / 1119
Prior Transfer Date	Jun 24, 2024
Prior Transfer Doc	0000014698
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE PA
Recording Date	May 15, 2026
Property Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725
Document Number	0000011618
Book / Page	2691 / 1119
Instrument Date	Apr 28, 2026
Instrument	2026.11618
Transaction Type	Transfer
Record Updated	May 28, 2026
Title Company	CARBON SEARCH AND SETTLEMENT INC, CARBON SEARCH & SETTLEMENT

Transaction

Amount	Amount Recorded
Tax	$161,600.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SYLVAN AVE, RIVERHEAD, NY 11901-4323

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE PA
Recording Date	May 15, 2026
Property Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725
Document Number	0000011619
Book / Page	2691 / 1151
Instrument Date	Apr 28, 2026
Instrument	202611619
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	CARBON SEARCH AND SETTLEMENT INC, CARBON SEARCH & SETTLEMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 SYLVAN AVE, RIVERHEAD, NY 11901-4323

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725
Transaction Type	Mortgage
Record Updated	Jul 19, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725

Mortgage

Document Number	0000015507
Date	Jun 30, 2023
Book Page	2633/5426
Instrument	202315507

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2063

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725
Transaction Type	Mortgage
Record Updated	Jun 22, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725

Mortgage

Document Number	0000018450
Date	Jun 9, 2022
Book Page	2611/687
Instrument	202218450

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Jan 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725

Mortgage

Document Number	0000024948
Date	Jul 22, 2021
Book Page	2583/3065
Instrument	202124948

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Jan 1, 2050

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE PA
Property Address	645 LONG MOUNTAIN RD, EFFORT, PA 18330-7725
Document Number	0000003970
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 LONG MOUNTAIN RD EFFORT PA 183307725, EFFORT, PA 18330-7725

Mortgage

Document Number	0000003970
Date	Feb 14, 2020
Book Page	002544/004480
Instrument	3970

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of September 21, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Monroe County
County Subdivision	Polk Township
Unified School District	Pleasant Valley School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,073.00 (+40.81%)	$165,950 (-) Land $30,510 Building $135,440
2024	$762.00 (+19.44%) Homeowner's exemption	$165,950 (-) Land $30,510 Building $135,440
2023	$638.00 Homeowner's exemption	$165,950 Land $30,510 Building $135,440
2019			$165,950 Land $30,510 Building $135,440

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 13, 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
Nearby Flood Policies	4 in force

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

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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Cable · Fiber in parts of the area	2,000 / 40
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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