81 E Franklin St, Ephrata, PA 17522 Property Records

Lancaster County property record for 81 E Franklin St, Ephrata, PA 17522

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 1,768 sqft · built 1900
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$149,900 (Dec 2019)
Tax Bill	$3,664 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260-94206-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-94206-0-0000`
Alternative APN	`2607M7C 5 50`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	3,024 sqft
1st Floor Area	884 sqft
Upper Floors Area	884 sqft
Basement Area	884 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Porch	Slab
Porch Area	372 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	81 E FRANKLIN ST
City	EPHRATA
State	PA
Zip	17522-2446
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	CB
Legal Description	81 E FRANKLIN ST
Legal Lot Number	50
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	4
Census Block	4001
Census Tract	12200

Owner

81 E Franklin St, a duplex, is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	81 E FRANKLIN ST, A, EPHRATA, PA 17522-2446
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2022	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Dec 30, 2019	Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2019 · Amount on File
Deed Sale	Dec 30, 2019 · Amount on File
Prior Sale	Apr 28, 2005 · Amount on File
Deed Document Number	20196499390
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	81 E FRANKLIN ST, EPHRATA, PA 17522-2446
Transaction Type	Mortgage
Record Updated	Dec 26, 2022
Title Company	HOMESALE SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006716163
Date	Dec 12, 2022
Instrument	6716163

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Dec 30, 2019
Property Address	81 E FRANKLIN ST, EPHRATA, PA 17522-2446
Document Number	0006499390
Instrument Date	Dec 27, 2019
Instrument	6499390
Transaction Type	Transfer
Record Updated	Aug 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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 Severalty
Address	81 E FRANKLIN ST, EPHRATA, PA 17522-2446

Mortgage

Document Number	0006499391
Date	Dec 30, 2019
Instrument	6499391

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 81 E Franklin St was $3,664 with a homeowner's exemption, up 2.3% from the year before.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
Municipality	Ephrata Borough
Unified School District	Ephrata Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$149,400 Land $48,600 Building $100,800	$149,400 Land $48,600 Building $100,800
2025	$3,664.00 (+2.29%)
2024	$3,582.00	$149,400 Land $48,600 Building $100,800
2018			$149,400 Land $48,600 Building $100,800

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

Flood

FEMA maps place 81 E Franklin St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1987.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (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

The area around 81 E Franklin St has no burnable land within ember reach, so its wildfire risk is not rated.

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 813 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Fiber · Cable in parts of the area	2,000 / 2,000
Windstream Fiber · DSL 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
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, T-Mobile.

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