Fayette County property record for 198 Tobin School Rd, Smithfield, PA 15478
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,344 sqft · built 1991 |
| Lot Size | 2.72 acres (118,483 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (May 2026) |
| Tax Bill | $2,026 (2026) |
| Deeds & Mortgages | Aug 2006 Mortgage Oct 2008 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-08-0068-01 |
| Primary APN | 36-08-0068-01 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 118,483 sqft (2.72 acres) |
| Terrain | Above Road/Slope |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 576 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 198 TOBIN SCHOOL RD |
|---|---|
| City | SMITHFIELD |
| State | PA |
| Zip | 15478-1438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.728 AC R1 BSMT RG |
| Jurisdiction | FAYETTE PA |
| Township / Civil Division | SPRINGHILL |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 263100 |
198 Tobin School Rd is owned and occupied by two individuals who bought it in May 2026.
Source: Fayette County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 29, 2006 | Deed of Trust, Mortgage · ARM AAMES FUNDING CORP |
| Oct 15, 2008 | Deed of Trust, Mortgage · FHA Mortgage SUNTRUST MORTGAGE INC |
| May 28, 2026 | Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT |
| May 28, 2026 | Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE |
| Apr 30, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 16, 2019 | Intrafamily Transfer, Transfer |
| Feb 3, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on File |
| Deed Sale | May 28, 2026 · Amount on File |
| Prior Sale | Apr 30, 2026 · Amount on File |
| Deed Document Number | 20264658 |
| Deed Book / Page | 3642 / 1825 |
| Prior Transfer Date | Dec 11, 2019 |
| Prior Transfer Doc | 03422/1157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE PA |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02998/0986 |
|---|---|
| Date | Aug 29, 2006 |
| Book Page | 2998/0986 |
| Instrument | 200600012921 |
| Name | AAMES FUNDING CORP |
|---|---|
| Type | Subprime Lender |
| Address | LOS ANGELES, CA 90071 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9% |
| Type Change Date | Sep 1, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9% |
| Max Rate At Change | 11% |
| Index | 6-Month T-Bill |
| Max Rate | 15% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FAYETTE PA |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03076/0209 |
|---|---|
| Date | Oct 15, 2008 |
| Book Page | 3076/0209 |
| Instrument | 200800013927 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE PA |
| Recording Date | May 28, 2026 |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 0000004658 |
| Book / Page | 3642 / 1825 |
| Instrument Date | May 28, 2026 |
| Instrument | 20264658 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166,650.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 0000004659, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 20264659 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE PA |
| Recording Date | May 28, 2026 |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 03642/1825 |
| Book / Page | 3642 / 1825 |
| Instrument Date | May 28, 2026 |
| Instrument | 20264658 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $166,650.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 0000004659, |
|---|---|
| Date | May 28, 2026 |
| Instrument | 20264659 |
| Name | CHURCHILL MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | FAYETTE PA |
| Recording Date | Apr 30, 2026 |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 0000003634 |
| Book / Page | 3639 / 1891 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 2026.3634 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $1,010.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 420 UNION ST, UNIONTOWN, PA 15401-4837 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FAYETTE PA |
| Recording Date | Dec 16, 2019 |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 03422/1157 |
| Book / Page | 3422 / 1157 |
| Instrument Date | Dec 11, 2019 |
| Instrument | 201900012903 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1910 DENTS RUN RD # A, A, MORGANTOWN, WV 26501-2303 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FAYETTE PA |
| Recording Date | Feb 3, 2017 |
| Property Address | 198 TOBIN SCHOOL RD, SMITHFIELD, PA 15478-1438 |
| Document Number | 03331/2422 |
| Book / Page | 3331 / 2422 |
| Instrument Date | Jan 17, 2017 |
| Instrument | 201700001366 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4871 WOODS EDGE LN, MORGANTOWN, WV 26508-4471 |
The 2026 property tax bill for 198 Tobin School Rd was $2,026, up 1% from the year before.
Source: Fayette County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Fayette County |
| County Subdivision | Springhill Township |
| Unified School District | Albert Gallatin Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,026.00 (+1%) | $41,035 (-) Land $7,030 Building $34,005 | |
| 2025 | $1,013.00 (+7.42%) | $41,035 (-) Land $7,030 Building $34,005 | |
| 2024 | $943.00 | $41,035 (-) Land $7,030 Building $34,005 | |
| 2023 | $41,035 Land $7,030 Building $34,005 | ||
| 2022 | $1,886.00 | ||
| 2003 | $82,070 Land $14,060 Building $68,010 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 198 Tobin School Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.
Source: FEMA National Flood Hazard Layer, effective July 17, 2017 · 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 (1985) |
| Most Recent Claim | Nov 1985 · Severe Storms & Flooding |
| Claims by Event |
|
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 risk around 198 Tobin School 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MOUNTAIN WATER ASSN private · serves 3,856 people · EPA ID PA5260032 |
|---|---|
| Water Source | Purchased surface water from NORTH FAYETTE CNTY MUNI AUTH |
| Last State Inspection | Jul 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Jun 2021 |
|---|---|
| Treatment and Procedure | Coliform assessment Jul 2021 |
| Monitoring and Reporting | 12 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Breezeline Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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