12717 Spruce Dr, Irwin, PA 15642 Property Records

Westmoreland County property record for 12717 Spruce Dr, Irwin, PA 15642

Property Summary

Property Type	Single Family Home
Lot Size	0.175 acres (7,656 sqft)
Owner	2 Individual Names on File
Last Sale	$272,000 (Oct 2023)
Tax Bill	$2,734 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Oct 2023 Sale & Mortgage + 1 more
APN	`54-06-12-0-074`

Property Details

APN / Parcel Number

Primary APN	`54-06-12-0-074`
Alternative APN	`0540060120074`

Exterior

Lot Area	7,656 sqft (0.175 acres)
Lot Dimensions	125 ft deep x 61.3 ft wide

Location & Zoning

Street Address	12717 SPRUCE DR
City	IRWIN
State	PA
Zip	15642-2225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HSE LOT 39 BLK-A 61.25 X 124.99 X IR
Legal Subdivision	SENECA VALLEY
Legal Lot Number	39
Jurisdiction	WESTMORELAND PA
Township / Civil Division	NORTH HUNTINGDON
Census Block Group	1
Census Block	1004
Census Tract	803302

Owner

12717 Spruce Dr is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	12717 SPRUCE DR, IRWIN, PA 15642-2225
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
Oct 2, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Oct 10, 2023	Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 24, 2017	Grant Deed, Transfer · Conventional with PMI PENNSYLVANIA EQUITY RSRCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	Jul 24, 2017 · Amount on File
Deed Document Number	202326131
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WESTMORELAND PA
Property Address	12717 SPRUCE DR, IRWIN, PA 15642-2225
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	SERVICELINK TITLE COMPANY D, SERVICELINK TITLE PROVIDER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12717 SPRUCE DR, IRWIN, PA 15642-2225

Mortgage

Document Number	0000027306
Date	Oct 2, 2025
Instrument	202510020027306

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Sep 19, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WESTMORELAND PA
Recording Date	Oct 10, 2023
Property Address	12717 SPRUCE DR, IRWIN, PA 15642-2225
Document Number	0000026131
Map Reference	VOL 13 PG 91
Instrument Date	Sep 29, 2023
Instrument	202310100026131
Transaction Type	Transfer
Record Updated	Mar 28, 2024
Title Company	PENN SUBURBAN ABSTRACT, PENN SUBURBAN ABSTRACT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,440.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	12717 SPRUCE DR, IRWIN, PA 15642-2225

Mortgage

Document Number	0000026132
Date	Oct 10, 2023
Instrument	202310100026132

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTMORELAND PA
Recording Date	Jul 24, 2017
Property Address	12717 SPRUCE DR, NORTH HUNTINGDON, PA 15642-2225
Document Number	0000024332
Instrument Date	Jul 14, 2017
Instrument	24332
Transaction Type	Transfer
Record Updated	Aug 11, 2017
Title Company	ASSURED SETTLEMENT SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12717 SPRUCE DR NORTH HUNTINGDON PA 156422225, NORTH HUNTINGDON, PA 15642-2225

Mortgage

Document Number	24333
Date	Jul 24, 2017
Instrument	24333

Lender

Name	PENNSYLVANIA EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 12717 Spruce Dr was $2,734, 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	$2,734.00 (+2.59%)	$19,550 Land $4,300 Building $15,250
2025	$2,665.00 (+8.38%)		$19,550 Land $4,300 Building $15,250
2024	$2,459.00	$19,550 (-) Land $4,300 Building $15,250
2023		$19,550 Land $4,300 Building $15,250
2022	$2,323.00
1972			$19,550 Land $4,300 Building $15,250

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 12717 Spruce Dr; there have been 34 flood claims nearby since 2004.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	34 (2004–2026)
Claims Outside the SFHA	15 of 34
Most Recent Claim	Sep 2026

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 12717 Spruce Dr 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	None beyond ember reach

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 264 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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