12268 Carmichael Cir, Irwin, PA 15642 Property Records

Westmoreland County property record for 12268 Carmichael Cir, Irwin, PA 15642

Property Summary

Property Type	Single Family Home
Details	2,930 sqft · built 2005
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on File
Last Sale	$354,363 (Oct 2005)
Tax Bill	$9,875 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Oct 2020 Line of Credit + 3 more
APN	`54-14-04-0-053`

Property Details

APN / Parcel Number

Primary APN	`54-14-04-0-053`
Alternative APN	`0540140040053`

Interior

Stories	2 Stories
Building Area	2,930 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	50,094 sqft (1.15 acres)

Location & Zoning

Street Address	12268 CARMICHAEL CIR
City	IRWIN
State	PA
Zip	15642-7034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4088, HSE & S/POOL FRANKLIN FARMS PH 4
Legal Subdivision	FRANKLIN FARMS PLAN OF LOTS PHASE IV
Legal Phase	4
Legal Lot Number	4088
Jurisdiction	WESTMORELAND PA
Township / Civil Division	NORTH HUNTINGDON
Census Block Group	1
Census Block	1014
Census Tract	803400

Owner

12268 Carmichael Cir is owned and occupied by an individual who bought it in October 2005.

Source: Westmoreland County records, as of August 11, 2026

Owner of Record	Individual Name on File
Mailing Address	12268 CARMICHAEL CIR, IRWIN, PA 15642-7034
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 13, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF PENNSYLVANIA
Apr 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Oct 7, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage AGORA LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2005 · Amount on File
Deed Sale	Oct 31, 2005 · Amount on File
Deed Document Number	200557510
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12268 CARMICHAEL CIR, NORTH HUNTINGDON, PA 15642-7034
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007869
Date	Mar 22, 2019
Instrument	201903220007869

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	IRWIN, PA 15642

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	264 Months
Due	Mar 14, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12268 CARMICHAEL CIR, NORTH HUNTINGDON, PA 15642-7034
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033791
Date	Oct 13, 2020
Instrument	202010130033791

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	IRWIN, PA 15642

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12268 CARMICHAEL CIR, NORTH HUNTINGDON, PA 15642-7034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012916
Date	Apr 24, 2017
Instrument	201704240012916

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	IRWIN, PA 15642

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	299 Months
Due	Mar 14, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12268 CARMICHAEL CIR, NORTH HUNTINGDON, PA 15642-7034
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033246
Date	Oct 7, 2020
Instrument	202010070033246

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	IRWIN, PA 15642

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Sep 25, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12268 CARMICHAEL CIR, NORTH HUNTINGDON, PA 15642-7034
Document Number	0000005713
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12268 CARMICHAEL CIR NORTH HUNTINGDON PA 156427034, NORTH HUNTINGDON, PA 15642-7034

Mortgage

Document Number	0000005713
Date	Mar 1, 2019
Instrument	5713

Lender

Name	AGORA LNDG
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 28, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 12268 Carmichael Cir was $9,875, up 2.6% from the year before.

Source: Westmoreland County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Westmoreland County
County Subdivision	North Huntingdon Township
Unified School District	Norwin School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,875.00 (+2.58%)	$70,620 Land $13,150 Building $57,470
2025	$9,627.00 (+8.34%)		$70,620 Land $13,150 Building $57,470
2024	$8,886.00	$70,620 Land $13,150 Building $57,470
1972			$70,620 Land $13,150 Building $57,470

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's flood maps do not cover 12268 Carmichael Cir; there have been 3 flood claims nearby since 1983.

Source: FEMA National Flood Hazard Layer, effective September 16, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Outside mapped area
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	4 in force
Nearby Flood Claims	3 (1983–2018)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2018 · rainfall accumulation

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

Wildfire risk around 12268 Carmichael Cir is low, with 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 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	MAWC YOUGH PLANT serves 133,000 people · EPA ID PA5260036
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2022 Treatment failure resolved · Aug 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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