1525 Upper Bermudian Rd, Gardners, PA 17324 Property Records

Adams County property record for 1525 Upper Bermudian Rd, Gardners, PA 17324

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,207 sqft · built 1981
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (May 2018)
Tax Bill	$3,532 (2026)
Deeds & Mortgages	May 2012 Mortgage Mar 2009 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`40 G05-0025B-000`

Property Details

APN / Parcel Number

Primary APN	`40 G05-0025B-000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,207 sqft Living Area

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bi-Level
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	1525 UPPER BERMUDIAN RD
City	GARDNERS
State	PA
Zip	17324-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AP1
Legal Lot Number	L-0002
Jurisdiction	ADAMS PA
Township / Civil Division	TYRONE
Census Block Group	2
Census Block	2043
Census Tract	30200

Owner

Source: Adams County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2012	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Mar 6, 2009	Deed of Trust, Mortgage · Line of Credit ADAMS COUNTY NATIONAL BANK
Feb 17, 2015	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
May 24, 2018	Deed, Transfer
May 24, 2018	Deed, Transfer UNION HOME MORTGAGE
May 23, 2012	Deed, Transfer · VA Mortgage USAA FSB
Jan 30, 2007	Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2018 · Amount on Record
Deed Sale	May 24, 2018 · Amount on Record
Prior Sale	Feb 17, 2015 · Amount on Record
Deed Document Number	20185582
Deed Book / Page	6381 / 3
Record Updated	Jun 8, 2026

May 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005708/549
Date	May 23, 2012
Book Page	5708/549

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

March 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005336/454
Date	Mar 6, 2009
Book Page	5336/454
Instrument	05336_00454

Lender

Name	ADAMS COUNTY NATIONAL BANK
Address	GETTYSBURG, PA 17325

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS PA
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	006007/217
Date	Feb 17, 2015
Book Page	6007/217

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2045

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAMS PA
Recording Date	May 24, 2018
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Document Number	6381/3
Book / Page	6381 / 3
Instrument Date	May 22, 2018
Instrument	201800005582
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAMS PA
Recording Date	May 24, 2018
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Document Number	00006381/3
Book / Page	6381 / 3
Instrument Date	May 22, 2018
Instrument	201800005582
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759

Mortgage

Document Number	0000006381/0000000007
Date	May 24, 2018
Book Page	0000006381/0000000007
Instrument	201800005583

Lender

Name	UNION HOME MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

May 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	ADAMS PA
Recording Date	May 23, 2012
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Document Number	005708/546
Book / Page	5708 / 546
Instrument Date	May 22, 2012
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759

Mortgage

Document Number	0570800549
Date	May 23, 2012
Instrument	05708_00549

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2042

January 2007: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS PA
Recording Date	Jan 30, 2007
Property Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759
Document Number	004727/065
Book / Page	4727 / 065
Map Reference	MB29 PG39
Instrument Date	Sep 12, 2006
Instrument	04727_00065
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1525 UPPER BERMUDIAN RD, GARDNERS, PA 17324-9759

Mortgage

Document Number	004727/069
Date	Jan 30, 2007
Book Page	4727/069
Instrument	04727_00069

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	177 Months
Due	Oct 1, 2021

Tax Assessment & Valuation

Source: Adams County assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Adams County
County Subdivision	Tyrone Township
Unified School District	Upper Adams School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,532.00 (+3.37%)	$164,700 (-) Land $60,200 Building $104,500
2024	$3,417.00	$164,700 Land $60,200 Building $104,500
2010			$164,700 Land $60,200 Building $104,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
PA.net Fixed Wireless · not low latency	200 / 50

May also be available: Verizon.

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