12486 Carmichael Cir, Irwin, PA 15642 Property Records

Westmoreland County property record for 12486 Carmichael Cir, Irwin, PA 15642

Property Summary

Property Type	Single Family Home
Details	2,886 sqft · built 2006
Lot Size	1.07 acres (47,001 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (Jul 2021)
Tax Bill	$9,423 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Jul 2021 Sale & Mortgage + 1 more
APN	`54-14-03-0-005`

Property Details

APN / Parcel Number

Primary APN	`54-14-03-0-005`
Alternative APN	`0540140030005`

Interior

Stories	2 Stories
Building Area	2,886 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	47,001 sqft (1.07 acres)

Location & Zoning

Street Address	12486 CARMICHAEL CIR
City	IRWIN
State	PA
Zip	15642-7030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4097,HSE,S/POOL,POOL HSE FRANKLIN FARMS PH 4
Legal Subdivision	FRANKLIN FARMS
Legal Phase	4
Legal Lot Number	4097
Jurisdiction	WESTMORELAND PA
Township / Civil Division	NORTH HUNTINGDON
Census Block Group	1
Census Block	1014
Census Tract	803400

Owner

12486 Carmichael Cir is owned and occupied by two individuals who bought it in July 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	12486 CARMICHAEL CIR, IRWIN, PA 15642-7030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit S & T BANK
Jul 16, 2021	Deed, Transfer · Conventional Mortgage S & T BANK
Jan 2, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2021 · Amount on File
Deed Sale	Jul 16, 2021 · Amount on File
Prior Sale	Mar 8, 2006 · Amount on File
Deed Document Number	202129306
Prior Transfer Date	Nov 10, 2010
Prior Transfer Doc	0000004740
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12486 CARMICHAEL CIR, IRWIN, PA 15642-7030
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 PARKSIDE DR, WEST MIFFLIN, PA 15122-1246

Mortgage

Document Number	0000039553
Date	Nov 21, 2022
Instrument	202211210039553

Lender

Name	S & T BANK
Type	Bank
Address	IRWIN, PA 15642

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND PA
Recording Date	Jul 16, 2021
Property Address	12486 CARMICHAEL CIR, IRWIN, PA 15642-7030
Document Number	0000029306
Instrument Date	Jul 9, 2021
Instrument	202107160029306
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12486 CARMICHAEL CIR, IRWIN, PA 15642-7030

Mortgage

Document Number	0000029307
Date	Jul 16, 2021
Instrument	202107160029307

Lender

Name	S & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12486 CARMICHAEL CIR, IRWIN, PA 15642-7030
Document Number	0000001779
Instrument Date	Jan 2, 2019
Transaction Type	Mortgage
Record Updated	Jan 31, 2019
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	12486 CARMICHAEL CIR IRWIN PA 156427030, IRWIN, PA 15642-7030

Mortgage

Document Number	0000001779
Date	Jan 22, 2019
Instrument	1779

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 21, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 12486 Carmichael Cir was $9,423, 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	$9,423.00 (+2.57%)	$67,390 Land $13,080 Building $54,310
2025	$9,187.00 (+8.35%)		$67,390 Land $13,080 Building $54,310
2024	$8,479.00	$67,390 Land $13,080 Building $54,310
1972			$67,390 Land $13,080 Building $54,310

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 has no flood map on file for 12486 Carmichael Cir; there have been 3 flood claims nearby since 1983.

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

FEMA Flood Zone	Not on file
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 12486 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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