NewFind your real estate agent style: take the assessment
NookLocal
Coming Soon

Listing description

There's something special about a home that feels welcoming from the moment you arrive, and 314 Chocolate Avenue in Mount Joy, Pennsylvania, offers just that. Located in Mount Joy Borough within Donegal School District, this charming 3-bedroom, 1-bath home offers 1,785 square feet of living space in the heart of Lancaster County. With beautiful hardwood floors, a cozy living room fireplace, an updated kitchen, a quaint sitting room, and a spacious front porch, this home brings together timeless character, everyday comfort, and a convenient location just minutes from downtown Mount Joy and the Amtrak train station. Step inside and you'll find bright, inviting living spaces filled with natural light and the warmth of a home that's easy to feel comfortable in. The living room features beautiful hardwood floors and a charming fireplace that creates a welcoming focal point, whether you're relaxing after a long day or spending time with friends. The home's comfortable layout offers a natural flow into the dining area, providing an inviting setting for everyday meals and gatherings. The open, updated kitchen offers a wonderful blend of style and functionality, featuring stainless steel appliances, laminate countertops, and a layout that makes cooking and entertaining feel effortless. Just off the dining room, a quaint sitting room with double doors adds another layer of charm and flexibility. Whether you envision a cozy reading nook, a home office, a quiet retreat, or a comfortable place to enjoy your morning coffee, this versatile space offers plenty of possibilities. With three bedrooms and a full bathroom, the home provides a practical layout with comfortable spaces to unwind and make your own. The combination of natural light, classic details, and inviting rooms gives the home a warm, lived-in character that feels both timeless and welcoming. One of the home's most enjoyable features is the spacious front porch. There's something special about having a place to sit with your morning coffee, enjoy a relaxing afternoon, or catch up with friends at the end of the day. It's an inviting extension of the home's living space and a wonderful spot to take in the surrounding neighborhood. And then there's the location. Situated in Mount Joy Borough, this home offers convenient access to the shops, restaurants, coffee spots, and small-town charm of downtown Mount Joy. Enjoy nearby Little Chiques Park, with its scenic creek, walking areas, picnic pavilions, and recreational opportunities, or spend time at Mount Joy Borough Park and Kids Joy Land. The Mount Joy Amtrak station is also just minutes away, offering convenient passenger rail service toward Lancaster, Harrisburg, and Philadelphia. With local amenities, parks, and transportation options close at hand, this location makes it easy to enjoy everything the Mount Joy area has to offer. From its charming fireplace and beautiful hardwood floors to its inviting front porch, flexible living spaces, and convenient Donegal School District location, 314 Chocolate Avenue offers a wonderful combination of character, comfort, and accessibility. Come experience the charm of this Mount Joy home and imagine the possibilities of making it your own. Schedule your private showing today!

Rooms by level

How the bedrooms and baths are distributed across the floors, as reported by the listing agent.

  1. Main level2 bedrooms · 1 full bath
  2. Upper level1 bedroom

Facts & features

Interior

Bedrooms
3
Bathrooms
1 full
Living area
1,785 sq ft
Heating
Radiator, Hot Water
Cooling
Window Unit(s)

Property & construction

Property type
Residential · Detached
Architectural style
Cape Cod
Year built
1916

Lot & parking

Lot size
0.1 acres (4,356 sq ft)

Financial

Price / sq ft
$154
HOA dues
None

Listing details

MLS #
PALA2097214
County
Lancaster County
School district
Donegal

Interior features

Appliances
Built-In Microwave, Oven/Range - Electric, Refrigerator, Dryer, Washer
Flooring
Carpet, Hardwood
Interior features
Bathroom - Tub Shower, Dining Area, Kitchen - Table Space, Kitchen - Eat-In, Recessed Lighting, Wood Floors, Entry Level Bedroom
Fireplace
1
Fireplace type
Brick, Mantel(s), Wood
Basement
Unfinished, Interior Access, Full
Laundry
Basement
Levels
1.5
Accessibility
None

Exterior & construction

Construction
Aluminum Siding
Roof
Asphalt, Shingle
Foundation
Block
Patio & porch
Porch(es)

Systems & utilities

Heating fuel
Natural Gas
Cooling fuel
Electric
Hot water
Electric
Water source
Public
Sewer
Public Sewer

Parking

Parking
On Street

Community

Subdivision
NONE AVAILABLE

Lot & zoning

Zoning
RESIDENTIAL

Included in the sale

Inclusions
Washer, Dryer, Refrigerator
Possession
Settlement

Price history

DateEventPrice
Oct 22, 2026Listed for sale$274,900

Price changes are tracked from when NookLocal first indexed this listing; earlier history may not appear. Tax & assessment details are in the section below.

The NookLocal estimate

Estimated value

$284,000

Automated estimate, not an appraisal. Sale records through July 2026.

About this estimate

Based on 10 comparable sales nearby, the Lancaster County assessment ratio, weighted toward the current asking price.

Last sold
October 2018 for $163,500
County deed record in 2018 dollars; not comparable to today's value.
Current list price
$274,900
County assessment implies
$199,800
Est. property taxes at today's rates
$2,342/yr

Comparable Sales

AddressClosedSale priceBd/BaSqftAdjusted value
521 BERNHARD AVE, MOUNT JOY, PA 17552November 2025$395,0003/11,812$331,090
409 DELTA ST, MOUNT JOY, PA 17552May 2026$440,0003/21,773$382,853
533 MARTIN AVE, MOUNT JOY, PA 17552August 2026$292,5003/11,650$284,637
246 MARIETTA AVE, MOUNT JOY, PA 17552August 2025$290,0003/11,800$323,287
304 WITWER WAY, MOUNT JOY, PA 17552August 2026$359,9003/21,868$300,808
225 S DELTA ST, MOUNT JOY, PA 17552October 2025$340,0003/21,804$306,412

Sale history

DateEventPrice
October 2018Sold$163,500

From closed MLS and county deed records. Earlier transactions may exist.

Estimated taxes

Estimated at current rates

$2,869 / year

≈ $239 per month

MLS shows (2026)

$2,954

-2.9% at current rates

School tax

DONEGAL · 20.24 mills (2025-26)

$2,022

County tax

Lancaster County · 3.20 mills (2026)

$320

Municipal tax

As recorded for 2026, varies by municipality

$527

Assessment note: this home is assessed at $99,900, well below the ~$137,450 its asking price implies at Lancaster County's common level ratio (50.0%). A sale near asking can invite a school-district assessment appeal that could raise the bill by roughly $880/year. Factor that into an offer.

Recomputed from the county assessment ($99,900, 2018 base year) × current millage. School millage is from the latest year certified by the Pennsylvania Department of Education (2025-26); districts adopt the next year's budgets each June, and we update when the state certifies the statewide file in the fall. Portals typically reprint the recorded 2026 bill. Pennsylvania does not reassess on sale. Estimate only. Verify with Lancaster County before relying on it. Learn more: PA property tax calculator · Common Level Ratio by county.

Estimated monthly payment calculator

$54,980 (20%)
6.43%

Loan term

Estimated monthly payment

$1,699/mo

Principal & interest
$1,380
Property taxes (current rates)
$239
Home insurance (est.)
$80

Taxes use NookLocal's estimate at current millage rates, not the stale figure on the MLS. The default rate is the average 30-year rate as of July 2026; insurance is estimated at 0.35% of the price per year. Below 20% down, lenders usually add mortgage insurance, which this estimate doesn't include. Estimate only; verify before relying on it.

Area statistics

School district

Donegal

Academic index
57.5/100
Graduation rate
91.8%
PSSA ELA proficient
48.7%
PSSA Math proficient
46.3%

2025 PA state assessments (PSSA / Keystone) and graduation data. The index measures student outcomes, not school effectiveness, and is not adjusted for demographics. Districts serve all residents; verify enrollment boundaries with the district.

Safety data

Lancaster County crime & safety numbers →

County figures from FBI and Pennsylvania source data.

Property taxes

Lancaster County taxes, explained →

Millage, the Common Level Ratio, and what changes after you buy.

© BRIGHT, All Rights Reserved

Information Deemed Reliable But Not Guaranteed

The data relating to real estate for sale on this website appears in part through the BRIGHT Internet Data Exchange program, a voluntary cooperative exchange of property listing data between licensed real estate brokerage firms in which United Real Estate Strive 212 participates, and is provided by BRIGHT through a licensing agreement.

IDX listings are displayed pursuant to broker of record United Real Estate Strive 212, Frank Ramos, Broker/Owner, PA Broker License RM424345, 1220 Broadcasting Rd, Suite 201, Wyomissing, PA 19610, (610) 372-0212.

The information provided by this website is for the personal, non-commercial use of consumers and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Some properties which appear for sale on this website may no longer be available because they are under contract, have Closed or are no longer being offered for sale.

Data last updated: October 22, 2026 at 8:12 PM EDT

Need an agent who gets you?

Our co-founder Carmen does a 1-on-1 needs analysis with you, then hand-picks a vetted Mt Joy Borough agent or lender. Free, no obligation. If you work with a partner we introduce, NookLocal may earn a referral fee from their broker.

Get Matched
Request a tour