648 Emerald Dr, Lancaster, PA 17603 Property Records

Lancaster County property record for 648 Emerald Dr, Lancaster, PA 17603

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,520 sqft · built 1992
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Feb 2021)
Tax Bill	$3,907 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`338-61936-0-0000`

Property Details

APN / Parcel Number

Primary APN	`338-61936-0-0000`
Alternative APN	`33813J16 11 14`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
Gross Area	1,704 sqft
1st Floor Area	560 sqft
Upper Floors Area	560 sqft
Basement Area	560 sqft
Finished Basement	400 sqft
Unfinished Basement	160 sqft
Game Room	Game Room

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Townhouse
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.04 acres)

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	648 EMERALD DR
City	LANCASTER
State	PA
Zip	17603-6848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	648 EMERALD DR
Legal Subdivision	CITY LANCASTER
Legal Lot Number	14
Jurisdiction	LANCASTER PA
Township / Civil Division	LANCASTER
Census Block Group	2
Census Block	2028
Census Tract	1200

Owner

648 Emerald Dr is owned and occupied by two individuals who bought it in February 2021.

Source: Lancaster County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1200 MAPLE ST, WILMINGTON, DE 19805-4312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 8, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MEMBERS 1ST FCU
Feb 10, 2021	Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2021 · Amount on File
Deed Sale	Feb 10, 2021 · Amount on File
Deed Document Number	20216580145
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Recording Date	Apr 17, 2026
Property Address	648 EMERALD DR, LANCASTER, PA 17603-6848
Document Number	0000014900
Instrument Date	Apr 12, 2026
Instrument	202614900
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 EMERALD DR, LANCASTER, PA 17603-6848

Mortgage

Document Number	0000014900,
Date	Apr 17, 2026
Instrument	202614900

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.11%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Recording Date	Apr 17, 2026
Property Address	648 EMERALD DR, LANCASTER, PA 17603-6848
Document Number	20260014900
Instrument Date	Apr 12, 2026
Instrument	202614900
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 EMERALD DR, LANCASTER, PA 17603-6848

Mortgage

Document Number	0000014900,
Date	Apr 17, 2026
Instrument	202614900

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.11%
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	648 EMERALD DR, LANCASTER, PA 17603-6848
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006702015
Date	Sep 8, 2022
Instrument	6702015

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union
Address	ENOLA, PA 17025

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Aug 17, 2037

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Feb 10, 2021
Property Address	648 EMERALD DR, LANCASTER, PA 17603-6848
Document Number	0006580145
Map Reference	MB J-172 PG 95
Instrument Date	Feb 8, 2021
Instrument	6580145
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
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 in Common
Address	648 EMERALD DR, LANCASTER, PA 17603-6848

Mortgage

Document Number	0006580146
Date	Feb 10, 2021
Instrument	6580146

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 648 Emerald Dr was $3,907 with a homeowner's exemption, up 1.1% from the year before.

Source: Lancaster County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Lancaster City
Unified School District	Lancaster School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$97,700 (-) Land $22,600 Building $75,100	$97,700 (-) Land $22,600 Building $75,100
2025	$3,907.00 (+1.09%) Homeowner's exemption	$97,700 (-) Land $22,600 Building $75,100	$97,700 Land $22,600 Building $75,100
2024	$3,865.00	$97,700 Land $22,600 Building $75,100
2018			$97,700 Land $22,600 Building $75,100

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

Flood

FEMA maps place 648 Emerald Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 10, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 648 Emerald Dr 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 99.1% of the US · lower than 99.4% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF LANCASTER serves 120,000 people · EPA ID PA7360058
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	7 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2024 Haloacetic acids resolved · Oct 2016
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 1,063 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Glo Fiber.

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