Adams County property record for 1002 Upper Bermudian Rd, Gardners, PA 17324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,400 sqft · built 1995 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jul 2020) |
| Tax Bill | $4,847 (2026) |
| Deeds & Mortgages | May 2021 Mortgage Jul 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 22 G04-0096B-000 |
| Primary APN | 22 G04-0096B-000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,400 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 1,254 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 1002 UPPER BERMUDIAN RD |
|---|---|
| City | GARDNERS |
| State | PA |
| Zip | 17324-9556 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AC |
| Legal Lot Number | L-0004 |
| Jurisdiction | ADAMS PA |
| Township / Civil Division | HUNTINGTON |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 30200 |
1002 Upper Bermudian Rd is owned and occupied by two individuals who bought it in July 2020.
Source: Adams County records, as of April 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1002 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9556 |
| 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 |
|---|---|
| May 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK |
| Jul 24, 2020 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 24, 2020 · Amount on File |
| Deed Sale | Jul 24, 2020 · Amount on File |
| Prior Sale | Dec 26, 2002 |
| Deed Document Number | 20208238 |
| Deed Book / Page | 6639 / 774 |
| Prior Transfer Date | Jul 17, 2020 |
| Prior Transfer Doc | 006639/774 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS PA |
| Property Address | 1002 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9556 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0006790/72 |
|---|---|
| Date | May 6, 2021 |
| Book Page | 6790/72 |
| Name | ACNB BANK |
|---|---|
| Type | Bank |
| Address | GETTYSBURG, PA 17325 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ADAMS PA |
| Recording Date | Jul 24, 2020 |
| Property Address | 1002 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9556 |
| Document Number | 006639/774 |
| Book / Page | 6639 / 774 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 202000008238 |
| Transaction Type | Transfer |
| Record Updated | Jan 25, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,750.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1002 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9556 |
The 2026 property tax bill for 1002 Upper Bermudian Rd was $4,847.
Source: Adams County assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Adams County |
| County Subdivision | Huntington Township |
| Unified School District | Bermudian Springs School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,847.00 | $256,200 Land $64,000 Building $192,200 | |
| 2024 | $4,426.00 (+2.19%) | $256,200 (-) Land $64,000 Building $192,200 | |
| 2023 | $4,331.00 | $256,200 Land $64,000 Building $192,200 | |
| 2010 | $256,200 Land $64,000 Building $192,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1002 Upper Bermudian Rd 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 December 16, 2021 · 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 | 3 in force |
| Nearby Flood Claims | 4 (1996–2015) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2015 · rainfall accumulation |
| Claims by Event |
|
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 1002 Upper Bermudian Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| PA.net Fixed Wireless · not low latency | 200 / 50 |
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