81 James St, Leola, PA 17540 Property Records

Lancaster County property record for 81 James St, Leola, PA 17540

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,095 sqft · built 1989
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Dec 2013)
Tax Bill	$5,208 (2025)
Deeds & Mortgages	May 2023 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`360-90056-0-0000`

Property Details

APN / Parcel Number

Primary APN	`360-90056-0-0000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,095 sqft Living Area
Gross Area	3,725 sqft
1st Floor Area	1,089 sqft
Upper Floors Area	1,006 sqft
Basement Area	1,081 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Contemporary
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Attached
Garage Area	437 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	81 JAMES ST
City	LEOLA
State	PA
Zip	17540-1400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	81 JAMES ST
Legal Subdivision	UPPER LEACOCK TOWNSHIP
Legal Lot Number	12
Jurisdiction	LANCASTER PA
Township / Civil Division	UPPER LEACOCK
Census Block Group	1
Census Block	1011
Census Tract	13102

Owner

81 James St is owned and occupied by two individuals who bought it in December 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	81 JAMES ST, LEOLA, PA 17540-1400
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
May 8, 2023	Deed of Trust, Mortgage · Line of Credit FULTON BANK NA
Mar 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 21, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2013 · Amount on File
Deed Sale	Dec 23, 2013 · Amount on File
Deed Document Number	20136122322
Prior Transfer Date	Feb 15, 2000
Prior Transfer Doc	0065440590
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	81 JAMES ST, LEOLA, PA 17540-1400
Transaction Type	Mortgage
Record Updated	May 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 JAMES ST, LEOLA, PA 17540-1400
Investor	Possibly a Property Investor

Mortgage

Document Number	0006734936
Date	May 8, 2023
Instrument	6734936

Lender

Name	FULTON BANK NA
Type	Bank
Address	LEOLA, PA 17540

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	81 JAMES ST, LEOLA, PA 17540-1400
Transaction Type	Mortgage
Record Updated	Mar 24, 2022
Title Company	WEST COAST ABSTRACT, EAST COAST ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006668529
Date	Mar 9, 2022
Instrument	6668529

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	81 JAMES ST, LEOLA, PA 17540-1400
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006533935
Date	Jul 21, 2020
Instrument	6533935

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	297 Months
Due	Apr 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 81 James St was $5,208 with a homeowner's exemption, up 1.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Lancaster County
County Subdivision	Upper Leacock Township
Unified School District	Conestoga Valley School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$255,700 (-) Land $78,900 Building $176,800	$255,700 (-) Land $78,900 Building $176,800
2025	$5,208.00 (+1.94%) Homeowner's exemption	$255,700 (-) Land $78,900 Building $176,800	$255,700 Land $78,900 Building $176,800
2024	$5,109.00	$255,700 Land $78,900 Building $176,800
2018			$255,700 Land $78,900 Building $176,800

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

Flood

FEMA maps place 81 James St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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 Policies	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2021 · 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

Wildfire risk around 81 James 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 95% of the US · lower than 95% 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	UPPER LEACOCK TOWNSHIP serves 7,734 people · EPA ID PA7360140
Water Source	Purchased surface water from CITY OF LANCASTER
Last State Inspection	Nov 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2022 Treatment failure resolved · Dec 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
Upward Broadband Fixed Wireless	100 / 40
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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