Chester County property record for 978 Cherry St, Phoenixville, PA 19460
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,586 sqft · built 1995 |
| Lot Size | 0.389 acres (16,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Nov 2018) |
| Tax Bill | $666 (2026) |
| Deeds & Mortgages | Aug 2020 Mortgage Nov 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-12-300 |
| Primary APN | 15-12-300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,586 sqft Living Area |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,960 sqft (0.389 acres) |
| View / Lot | Neighborhood |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 978 CHERRY ST |
|---|---|
| City | PHOENIXVILLE |
| State | PA |
| Zip | 19460-4239 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NCR4 |
| Legal Description | LOT & DWG |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | PHOENIXVILLE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 300800 |
978 Cherry St is owned and occupied by two individuals who bought it in November 2018.
Source: Chester County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 978 CHERRY ST, PHOENIXVILLE, PA 19460-4239 |
| 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.
| Date | Document |
|---|---|
| Aug 19, 2020 | Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC |
| Nov 5, 2018 | Deed, Transfer · Conventional Mortgage MORTGAGE AMERICA INC |
| Oct 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 5, 2018 · Amount on File |
| Deed Sale | Nov 5, 2018 · Amount on File |
| Prior Sale | Aug 21, 2007 · Amount on File |
| Deed Document Number | 201811637805 |
| Deed Book / Page | 9838 / 2101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 978 CHERRY ST, PHOENIXVILLE, PA 19460-4239 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0102441409 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 10244/1409 |
| Instrument | 11754587 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Nov 5, 2018 |
| Property Address | 978 CHERRY ST, PHOENIXVILLE, PA 19460-4239 |
| Document Number | 0098382101 |
| Book / Page | 9838 / 2101 |
| Instrument Date | Oct 30, 2018 |
| Instrument | 11637805 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,300.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 978 CHERRY ST, PHOENIXVILLE, PA 19460-4239 |
| Document Number | 0011637806 |
|---|---|
| Date | Nov 5, 2018 |
| Instrument | 11637806 |
| Name | MORTGAGE AMERICA INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 978 CHERRY ST, PHOENIXVILLE, PA 19460-4239 |
| Document Number | 0096400371 |
| Book / Page | 009640 / 000371 |
| Instrument Date | Oct 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Address | 978 CHERRY ST PHOENIXVILLE PA 194604239, PHOENIXVILLE, PA 19460-4239 |
| Document Number | 0096400371 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 009640/000371 |
| Instrument | 11574305 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 26, 2032 |
The 2026 property tax bill for 978 Cherry St was $666.
Source: Chester County assessment roll, as of May 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Chester County |
| Municipality | Phoenixville Borough |
| Unified School District | Phoenixville Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $666.00 | $136,330 Land $45,790 Building $90,540 | $137,480 Land $45,790 Building $91,690 |
| 2024 | $6,257.00 | $136,330 Land $45,790 Building $90,540 | |
| 1998 | $137,480 Land $45,790 Building $91,690 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 978 Cherry St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1994.
Source: FEMA National Flood Hazard Layer, effective October 2, 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 (1994) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1994 · Severe Winter Storms |
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 risk around 978 Cherry 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 94% of the US · lower than 93% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PHOENIXVILLE WATER DEPT serves 16,599 people · EPA ID PA1150077 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2025 |
| Lead | 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2024 |
| Monitoring and Reporting | 9 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.
Source: FCC Broadband Data Collection, based on 570 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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