649 Saint Joseph St, Lancaster, PA 17603 Property Records

Lancaster County property record for 649 Saint Joseph St, Lancaster, PA 17603

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,932 sqft · built 1910
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,000 (Jun 2024)
Tax Bill	$3,247 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2024 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`338-52435-0-0000`

Property Details

APN / Parcel Number

Primary APN	`338-52435-0-0000`
Alternative APN	`33813J8C 4 37`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,932 sqft Living Area
Gross Area	2,780 sqft
1st Floor Area	692 sqft
Upper Floors Area	1,240 sqft
Basement Area	800 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Row Home
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Material	Metal
Lot Area	1,742 sqft (0.04 acres)
Porch	Enclosed Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	649 SAINT JOSEPH ST
City	LANCASTER
State	PA
Zip	17603-5506
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	649 ST JOSEPH ST
Legal Lot Number	37
Jurisdiction	LANCASTER PA
Township / Civil Division	LANCASTER
Census Block Group	3
Census Block	3003
Census Tract	1000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Lancaster City Historic District listed 2001 · 13,488 contributing resources · NRIS 01000956

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	580 SYM RD, ATGLEN, PA 19310
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Commercial Mortgage EVERENCE FCU
Jun 6, 2024	Deed, Transfer · Stand-Alone First Mortgage RAMA INVESTMENT PROPERTIES LLC
Jan 4, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LANCO FEDERAL CU
Jan 20, 2022	Deed, Transfer · Stand-Alone Second Mortgage LANCO FEDERAL CU
Jul 23, 2018	Grant Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2024 · Amount on Record
Deed Sale	Jun 6, 2024 · Amount on Record
Prior Sale	Jul 23, 2018 · Amount on Record
Deed Document Number	20246786154
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	649 SAINT JOSEPH ST, LANCASTER, PA 17603-5506
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 SWAN RD, ATGLEN, PA 19310-1720
Investor	Possibly a Property Investor

Mortgage

Document Number	20250044144
Date	Nov 5, 2025
Instrument	20250044144

Lender

Name	EVERENCE FCU
Type	Credit Union
Address	LANCASTER, PA 17602

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 30, 2040

Interest

Rate Type	Adjustable Rate

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Jun 6, 2024
Property Address	649 SAINT JOSEPH ST, LANCASTER, PA 17603-5506
Document Number	0006786154
Instrument Date	May 31, 2024
Instrument	6786154
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	PREMIER SETTLEMENTS INC, PREMIER SETTLEMENTS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
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	580 SWAN RD, ATGLEN, PA 19310-1720
Investor	Possibly a Property Investor

Mortgage

Document Number	0006786155
Date	Jun 6, 2024
Instrument	6786155

Lender

Name	RAMA INVESTMENT PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	649 SAINT JOSEPH ST, LANCASTER, PA 17603-5506
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 STEEPBANK RD, LANCASTER, PA 17602-6126

Mortgage

Document Number	0006656237
Date	Jan 4, 2022
Instrument	6656237

Lender

Name	LANCO FEDERAL CU
Type	Credit Union
Address	LANCASTER, PA 17601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Jan 20, 2022
Property Address	649 SAINT JOSEPH ST, LANCASTER, PA 17603-5506
Document Number	0006659265
Instrument Date	Dec 28, 2021
Instrument	6659265
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	PRIME TRANSFER INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	533 W WALNUT ST, LANCASTER, PA 17603-3305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 WEST WAFRIUT STREET, LANCASTER, PA 17603

Mortgage

Document Number	0006656237
Date	Jan 20, 2022
Instrument	6656237

Lender

Name	LANCO FEDERAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LANCASTER PA
Recording Date	Jul 23, 2018
Property Address	649 SAINT JOSEPH ST, LANCASTER, PA 17603-5506
Document Number	0006409132
Instrument Date	Jul 20, 2018
Instrument	6409132
Transaction Type	Transfer
Record Updated	Jul 31, 2018
Title Company	HOMESALE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	250 STEEPBANK RD LANCASTER PA 176026126, LANCASTER, PA 17602-6126

Mortgage

Document Number	6409133
Date	Jul 23, 2018
Instrument	6409133

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 22, 2048

Tax Assessment & Valuation

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		$81,200 (-) Land $12,500 Building $68,700	$81,200 (-) Land $12,500 Building $68,700
2025	$3,247.00 (+1.06%)
2024	$3,213.00	$81,200 Land $12,500 Building $68,700
2018			$81,200 Land $12,500 Building $68,700

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

Flood

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

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

Wildfire Risk	Not rated no burnable land within 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 2,030 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

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

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