190 Gerner Rd, Cabot, PA 16023 Property Records

Butler County property record for 190 Gerner Rd, Cabot, PA 16023

Property Summary

Property Type	Rural Home
Details	2 bd · 1.5 ba · 2,016 sqft
Lot Size	135 acres (5,881,907 sqft)
Owner	Individual Name on File
Last Sale	$92,500 (Apr 2004)
Tax Bill	$1,782 (2026)
Deeds & Mortgages	Oct 2018 Second Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`320 1F71 240000`

Property Details

APN / Parcel Number

Primary APN	`320 1F71 240000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,016 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Conventional
Lot Area	5,881,907 sqft (135 acres)
Garage Area	784 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	190 GERNER RD
City	CABOT
State	PA
Zip	16023-3114
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	135.03 ACS 2 HSES 2 GARS BN
Jurisdiction	BUTLER PA
Township / Civil Division	WINFIELD
Census Block Group	1
Census Block	1028
Census Tract	911400

Owner

190 Gerner Rd, a rural home, is owned and occupied by an individual who bought it in April 2004.

Source: Butler County records, as of June 8, 2026

Owner of Record	Individual Name on File
Mailing Address	190 GERNER RD, CABOT, PA 16023-3114
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 30, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BAK
Feb 19, 2020	Deed of Trust, Mortgage · Line of Credit ARMCO CREDIT UNION
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARMCO CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2004 · Amount on File
Deed Sale	Apr 8, 2004 · Amount on File
Deed Document Number	200410890
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER PA
Property Address	190 GERNER RD, CABOT, PA 16023-3114
Transaction Type	Mortgage
Record Updated	Apr 12, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022157
Date	Oct 30, 2018
Instrument	201810300022157

Lender

Name	NORTHWEST BAK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 10, 2038

Interest

Rate Type	Fixed Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER PA
Property Address	190 GERNER RD, CABOT, PA 16023-3114
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003495
Date	Feb 19, 2020
Instrument	202002190003495

Lender

Name	ARMCO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2050

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUTLER PA
Property Address	190 GERNER RD, CABOT, PA 16023-3114
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031076
Date	Dec 28, 2020
Instrument	202012280031076

Lender

Name	ARMCO CU
Type	Credit Union
Address	BUTLER, PA 16003

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 190 Gerner Rd was $1,782 with a homeowner's exemption.

Source: Butler County assessment roll, as of June 8, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Butler County
County Subdivision	Winfield Township
Unified School District	Knoch School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,782.00 Homeowner's exemption	$52,700 Land $8,550 Building $44,150	$52,700 Building $52,700
2024	$6,687.00	$52,700 Land $8,550 Building $44,150
			$52,700 Building $52,700

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

Flood

FEMA maps place 190 Gerner Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2004.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2004–2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Mar 2015

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 190 Gerner Rd is low, with a 0.02% 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	0.02% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Fidium Fiber DSL	90 / 5

Cell Coverage

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

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