840 Lower Mountain Dr, Effort, PA 18330 Property Records

Monroe County property record for 840 Lower Mountain Dr, Effort, PA 18330

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,712 sqft · built 2003
Lot Size	2.39 acres (104,108 sqft)
Owner	Individual Name on File
Last Sale	$228,724 (Nov 2019)
Tax Bill	$2,338 (2026)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`02.86615`

Property Details

APN / Parcel Number

Primary APN	`02.86615`
Alternative APN	`02633000083643`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,712 sqft Living Area
1st Floor Area	1,212 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Brick/Stone
Lot Area	104,108 sqft (2.39 acres)
Garage Area	484 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02633000083643
Street Address	840 LOWER MOUNTAIN DR
City	EFFORT
State	PA
Zip	18330-8141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CR
Legal Description	LOT 340
Legal Subdivision	BIRCH BRIER SEC 10
Legal Block	08
Legal Lot Number	340
Jurisdiction	MONROE PA
Township / Civil Division	CHESTNUTHILL
Census Block Group	2
Census Block	2009
Census Tract	301204

Owner

840 Lower Mountain Dr is owned and occupied by an individual who bought it in November 2019.

Source: Monroe County records, as of September 21, 2026

Owner of Record	Individual Name on File
Mailing Address	840 LOWER MOUNTAIN DR, EFFORT, PA 18330-8141
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
Mar 15, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Aug 24, 2021	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Jul 18, 2020	Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAP
Nov 5, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Mar 3, 2017	Grant Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2019 · Amount on File
Deed Sale	Nov 5, 2019 · Amount on File
Prior Sale	Mar 3, 2017 · Amount on File
Deed Document Number	201927462
Deed Book / Page	2538 / 8252
Prior Transfer Date	Oct 23, 2015
Prior Transfer Doc	0000025180
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	840 LOWER MOUNTAIN DR, EFFORT, PA 18330-8141
Transaction Type	Mortgage
Record Updated	Mar 28, 2023
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006115
Date	Mar 15, 2023
Book Page	2627/6828
Instrument	202306115

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	840 LOWER MOUNTAIN DR, EFFORT, PA 18330-8141
Transaction Type	Mortgage
Record Updated	Jun 9, 2022
Title Company	AVENUE 365 LENDER SERVICES, AVENUE 365 LENDER SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028855
Date	Aug 24, 2021
Book Page	2586/993
Instrument	202128855

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE PA
Property Address	840 LOWER MOUNTAIN DR, EFFORT, PA 18330-8141
Document Number	0000016080
Instrument Date	Jul 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 LOWER MOUNTAIN DR EFFORT PA 183308141, EFFORT, PA 18330-8141

Mortgage

Document Number	0000016080
Date	Jul 29, 2020
Book Page	002552/007758
Instrument	16080

Lender

Name	INTERCONTINENTAL CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE PA
Recording Date	Nov 5, 2019
Property Address	840 LOWER MOUNTAIN DR, EFFORT, PA 18330-8141
Document Number	0000027462
Book / Page	002538 / 008252
Instrument Date	Oct 17, 2019
Instrument	27462
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	KEYSTONE PREMIER SETTLEMENT SE, KEYSTONE PREMIER SETTLEMENT SV

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,287.24
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 LOWER MOUNTAIN DR EFFORT PA 183308141, EFFORT, PA 18330-8141

Mortgage

Document Number	27463
Date	Nov 5, 2019
Book Page	002538/008257
Instrument	27463

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2049

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE PA
Recording Date	Mar 3, 2017
Property Address	840 LOWER MOUNTAIN DR, EFFORT, PA 18330-8141
Document Number	0000005502
Book / Page	002487 / 006119
Instrument Date	Feb 27, 2017
Instrument	5502
Transaction Type	Transfer
Record Updated	Mar 16, 2017
Title Company	GATEWAY ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	143 HELENS DR GREENCASTLE PA 172258774, GREENCASTLE, PA 17225-8774

Mortgage

Document Number	5503
Date	Mar 3, 2017
Book Page	002487/006122
Instrument	5503

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 840 Lower Mountain Dr was $2,338.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,338.00	$287,390 Land $34,170 Building $253,220
2024	$1,907.00 (+12.77%) Homeowner's exemption	$287,390 (-) Land $34,170 Building $253,220
2023	$1,691.00 Homeowner's exemption	$287,390 Land $34,170 Building $253,220
2019			$287,390 Land $34,170 Building $253,220

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

Flood

FEMA maps place 840 Lower Mountain Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1996.

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 Claims	4 (1996–2004)
Most Recent Claim	Sep 2004 · Tropical Depression Ivan

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 840 Lower Mountain Dr is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 91% of Pennsylvania
Wildfire Likelihood	0.05% 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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Blue Ridge Cable Technologies Cable	2,000 / 40

840 Lower Mountain Dr, Effort, PA 18330 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2017: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Internet Providers

Nearby Properties on Lower Mountain Dr

Nearby Streets

Search Property Records by Address or Parcel Number