87 E Franklin St, Ephrata, PA 17522 Property Records

Lancaster County property record for 87 E Franklin St, Ephrata, PA 17522

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,392 sqft · built 1900
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$270,000 (May 2026)
Tax Bill	$3,028 (2026)
Deeds & Mortgages	Jan 2024 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260-06396-0-0000`

Property Details

APN / Parcel Number

Primary APN	`260-06396-0-0000`
Alternative APN	`2607M7C 5 54`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Gross Area	2,304 sqft
1st Floor Area	756 sqft
Upper Floors Area	636 sqft
Basement Area	636 sqft
Game Room	Game Room

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	5,227 sqft (0.12 acres)

Exterior Amenities

Porch	Slab
Porch Area	276 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	87 E FRANKLIN ST
City	EPHRATA
State	PA
Zip	17522-2446
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CB
Legal Description	87 E FRANKLIN ST
Legal Lot Number	54
Jurisdiction	LANCASTER PA
Township / Civil Division	EPHRATA
Census Block Group	4
Census Block	4001
Census Tract	12200

Owner

87 E Franklin St is owned and occupied by an individual who bought it in May 2026.

Source: Lancaster County records, as of June 9, 2026

Owner of Record	Individual Name on File
Mailing Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jan 9, 2024	Deed of Trust, Mortgage · Commercial Mortgage MEMBERS 1ST FCU
May 27, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
May 27, 2026	Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Oct 30, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on File
Deed Sale	May 27, 2026 · Amount on File
Deed Document Number	202620957
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LANCASTER PA
Property Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006768229
Date	Jan 9, 2024
Instrument	6768229

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union
Address	ENOLA, PA 17025

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Dec 5, 2028

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	May 27, 2026
Property Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446
Document Number	0000020957
Instrument Date	May 27, 2026
Instrument	202620957
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	REA ABSTRACT, REGAL ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446

Mortgage

Document Number	0000020958,
Date	May 27, 2026
Instrument	202620958

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000020959,
Date	May 27, 2026
Instrument	202620959

Lender

Name	PENNSYLVANIA HSNG FINANCE AGENCY

Agreement

Amount	Amount on Record

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LANCASTER PA
Recording Date	May 27, 2026
Property Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446
Document Number	20260020957
Instrument Date	May 27, 2026
Instrument	202620957
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	REGAL ABSTRACT LP, REGAL ABSTRACT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272,700.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446

Mortgage

Document Number	0000020958,
Date	May 27, 2026
Instrument	202620958

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000020959,
Date	May 27, 2026
Instrument	202620959

Lender

Name	PENNSYLVANIA HSNG FINANCE AGENCY

Agreement

Amount	Amount on Record

Interest

Max Rate	-1%

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LANCASTER PA
Recording Date	Oct 30, 2023
Property Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446
Document Number	0006759319
Instrument Date	Oct 25, 2023
Instrument	6759319
Transaction Type	Transfer
Record Updated	Nov 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 GREBILL CT, EPHRATA, PA 17522-9434

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 E FRANKLIN ST, EPHRATA, PA 17522-2446

Tax Assessment & Valuation

The 2026 property tax bill for 87 E Franklin St was $3,028.

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	$3,028.00	$117,600 Land $40,500 Building $77,100	$117,600 Land $40,500 Building $77,100
2024	$2,820.00 (+7.1%)	$117,600 (-) Land $40,500 Building $77,100
2023	$2,633.00 Homeowner's exemption	$117,600 Land $40,500 Building $77,100
2018			$117,600 Land $40,500 Building $77,100

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

Flood

FEMA maps place 87 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 87 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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