19 Smith Rd, Gardners, PA 17324 Property Records

Cumberland County property record for 19 Smith Rd, Gardners, PA 17324 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1986
Square Footage	1,400 sqft Total Area
Lot Size	43,560 sqft (1 acres)
Occupancy	Owner Occupied
Last Sale	$87,000 (2008)
Tax Bill	$3,728.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`40-40-2656-023`
Alternative APN	`40005854`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,400 sqft Total Area
Stories	1 Stories

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Vinyl Exterior
Lot Area	43,560 sqft (1 acres)
Depth X Width	290 ft x 150 ft Depth x Width

Utilities and HVAC

Cooling System	HVAC Cooling
Heating Fuel	Electric Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Street Address	19 SMITH RD
City	GARDNERS
State	PA
Zip	17324-9000
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	19 SMITH ROAD L-0004 LOT 4 PB 38 PG 124
Legal Lot Number	4
Jurisdiction	CUMBERLAND PA
Minor Civil Division	SOUTH MIDDLETON
Census Blockgroup	2
Census Block	2009
Census Tract	12600

Owner

Source: Cumberland County records · APN 40-40-2656-023

Assessment roll updated April 10, 2026 · Last verified April 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 File
Mailing Address	19 SMITH RD, GARDNERS, PA 17324-9000
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2008 · Amount on Record
Deed Sale	May 21, 2008 · Amount on Record
Deed Doc Number	200816715
Record Refreshed	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND PA
Recording Date	Jul 17, 2026
Property Address	19 SMITH RD, GARDNERS, PA 17324-9000
Document Number	0000015579
Instrument Date	Jun 29, 2026
Instrument	202615579
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 SMITH RD, GARDNERS, PA 17324-9000

Mortgage

Document Number	0000015579,
Date	Jul 17, 2026
Instrument	202615579

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

Source: Cumberland County records · Assessment roll updated April 10, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Cumberland County
County Subdivision	South Middleton Township
Unified School District	South Middleton School District (KG - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,728.00 (+9.87%)	$209,600 (-) Land $55,000 Building $154,600
2024	$3,393.00	$209,600 Land $55,000 Building $154,600
2010			$209,600 Land $55,000 Building $154,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cumberland County (42041C), updated August 6, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 43% of Pennsylvania
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.