862 E Main St, Ephrata, PA 17522 Property Records

Lancaster County property record for 862 E Main St, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	7 bd · 3.5 ba · 3,008 sqft · built 1955
Lot Size	3.9 acres (169,884 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Aug 2021)
Tax Bill	$10,683 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`270-41303-0-0000`

Property Details

APN / Parcel Number

Primary APN	`270-41303-0-0000`

Interior

Bedrooms	7 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	15 Rooms
Stories	1 Story
Building Area	3,008 sqft Living Area
Gross Area	4,394 sqft
1st Floor Area	362 sqft
Basement Area	1,610 sqft
Finished Basement	460 sqft
Unfinished Basement	1,150 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1982
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	169,884 sqft
Garage Type	Detached
Garage Area	448 sqft

Exterior Amenities

Porch	Slab
Porch Area	176 sqft
Deck Area	220 sqft
Patio Area	220 sqft
Total Buildings	3 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	862 E MAIN ST
City	EPHRATA
State	PA
Zip	17522-2562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	C-2
Legal Description	MAIN ST
Legal Lot Number	48
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	2
Census Block	2009
Census Tract	12404

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	862 E MAIN ST, EPHRATA, PA 17522-2562
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed, Transfer · Stand-Alone First Mortgage ANABAPTIST FINANCIAL
Dec 4, 2020	Special Warranty Deed, Transfer · Conventional Mortgage THE EPHRATA NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Dec 4, 2020 · Amount on Record
Deed Document Number	20216627926
Record Updated	Sep 20, 2026

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	Aug 30, 2021
Property Address	862 E MAIN ST, EPHRATA, PA 17522-2562
Document Number	0006627926
Instrument Date	Aug 26, 2021
Instrument	6627926
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,200.00
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	862 E MAIN ST, EPHRATA, PA 17522-2562

Mortgage

Document Number	0006627927
Date	Aug 30, 2021
Instrument	6627927

Lender

Name	ANABAPTIST FINANCIAL
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LANCASTER PA
Recording Date	Dec 4, 2020
Property Address	862 E MAIN ST, EPHRATA, PA 17522-2562
Document Number	0006564526
Instrument Date	Nov 14, 2020
Instrument	6564526
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	BANKERS SETMNT SVCS CAP REGI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 1 2 MAIN STREET, 862, EPHRATA, PA 17522

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	594 S COCALICO RD, DENVER, PA 17517-9572

Mortgage

Document Number	0006564527
Date	Dec 4, 2020
Instrument	6564527

Lender

Name	THE EPHRATA NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Dec 1, 2030
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8.25%
Index	1-Year LIBOR
Margin	3
Max Rate	8.25%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$451,700 (-) Land $233,300 Building $218,400	$451,700 (-) Land $233,300 Building $218,400
2025	$10,683.00 (+2.83%)
2024	$10,389.00	$451,700 Land $233,300 Building $218,400
2018			$451,700 Land $233,300 Building $218,400

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

Flood

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	1 in force
Nearby Flood Claims	8 (1989–2025)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jun 2025 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 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

May also be available: AT&T, T-Mobile, Upward Broadband.

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