2 Pine School Rd, Gardners, PA 17324 Property Records

Cumberland County property record for 2 Pine School Rd, Gardners, PA 17324

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,578 sqft · built 1912
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Jul 2024)
Tax Bill	$3,492 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-38-2175-044`

Property Details

APN / Parcel Number

Primary APN	`08-38-2175-044`
Alternative APN	`08001999`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,578 sqft Total Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1970
Exterior Material	Stone
Lot Area	30,492 sqft (0.7 acres)
Lot Dimensions	199 ft deep x 127 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Steam
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2 PINE SCHOOL RD
City	GARDNERS
State	PA
Zip	17324-8868
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 PINE SCHOOL ROAD L-0001 LOT 1 PB 59 PG 10
Legal Lot Number	1
Jurisdiction	CUMBERLAND PA
Township / Civil Division	DICKINSON
Census Block Group	1
Census Block	1039
Census Tract	12701

Owner

Source: Cumberland County records, as of April 10, 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	2 PINE SCHOOL RD, GARDNERS, PA 17324-8868
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage NORTHWEST BANK
Jul 5, 2024	Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2024 · Amount on Record
Deed Sale	Jul 5, 2024 · Amount on Record
Deed Document Number	202412699
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND PA
Property Address	2 PINE SCHOOL RD, GARDNERS, PA 17324-8868
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010963
Date	Apr 18, 2022
Instrument	202210963

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2037

July 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND PA
Recording Date	Jul 5, 2024
Property Address	2 PINE SCHOOL RD, GARDNERS, PA 17324-8868
Document Number	0000012699
Instrument Date	Jul 5, 2024
Instrument	202412699
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,880.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 PINE SCHOOL RD, GARDNERS, PA 17324-8868

Mortgage

Document Number	0000012700
Date	Jul 5, 2024
Instrument	202412700

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2054

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Cumberland County
County Subdivision	Dickinson Township
Unified School District	Carlisle Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,492.00 (+5.88%)	$164,400 (-) Land $40,000 Building $124,400
2024	$3,298.00	$164,400 Land $40,000 Building $124,400
2010			$164,400 Land $40,000 Building $124,400

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 August 6, 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	7 (1996–2011)
Most Recent Claim	Mar 2011 · rainfall accumulation
Claims by Event	Flooding Associated With Tropical Depression Fran, Sep 1996 · 2 claims

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 66% of the US · above 81% of Pennsylvania
Wildfire Likelihood	0.04% 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
PA.net Fixed Wireless · not low latency	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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