20649 Covered Bridge Rd, Shade Gap, PA 17255 Property Records

Huntingdon County property record for 20649 Covered Bridge Rd, Shade Gap, PA 17255

Property Summary

Property Type	Single Family Home
Details	840 sqft · built 1976
Lot Size	5.51 acres (240,016 sqft)
Owner	Individual Name on File
Last Sale	$61,000 (Aug 2022)
Tax Bill	$925 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-21A-46`

Property Details

APN / Parcel Number

Primary APN	`11-21A-46`
Alternative APN	`5102`

Interior

Total Rooms	2 Rooms
Building Area	840 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Wood
Roof Material	Shingle
Lot Area	240,016 sqft (5.51 acres)

Location & Zoning

Account Number	5102
Street Address	20649 COVERED BRIDGE RD
City	SHADE GAP
State	PA
Zip	17255-9206
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	HUNTINGDON PA
Township / Civil Division	CROMWELL
Census Block Group	1
Census Block	1078
Census Tract	951200

Owner

20649 Covered Bridge Rd is owned and occupied by an individual who bought it in August 2022.

Source: Huntingdon County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	20649 COVERED BRIDGE RD, SHADE GAP, PA 17255-9206
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
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS AND MERCHANTS BANK
Aug 23, 2022	Deed, Transfer · Conventional Mortgage COMMUNITY STATE BANK OF ORBISONIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on File
Deed Sale	Aug 23, 2022 · Amount on File
Prior Sale	Jul 8, 2016 · Amount on File
Deed Document Number	20224003
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HUNTINGDON PA
Recording Date	Apr 22, 2026
Property Address	20649 COVERED BRIDGE RD, SHADE GAP, PA 17255-9206
Document Number	0000001483
Instrument Date	Apr 17, 2026
Instrument	20261483
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20649 COVERED BRIDGE RD, SHADE GAP, PA 17255-9206

Mortgage

Document Number	0000001483,
Date	Apr 22, 2026
Instrument	20261483

Lender

Name	FARMERS AND MERCHANTS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.22%
Max Rate	-1%

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HUNTINGDON PA
Recording Date	Aug 23, 2022
Property Address	20649 COVERED BRIDGE RD, SHADE GAP, PA 17255-9206
Document Number	02022/4003
Book / Page	2022 / 4003
Map Reference	VOL 3 PG 31
Instrument Date	Aug 23, 2022
Instrument	2022-004003
Transaction Type	Transfer
Record Updated	Sep 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21337 MAIN ST, 21337, SHADE GAP, PA 17255-8845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17485 CROGHAN PIKE, SHIRLEYSBURG, PA 17260-9551

Mortgage

Document Number	2022004004
Date	Aug 23, 2022
Instrument	2022-004004

Lender

Name	COMMUNITY STATE BANK OF ORBISONIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 23, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 20649 Covered Bridge Rd was $925, up 0.1% from the year before.

Source: Huntingdon County assessment roll, as of January 15, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Huntingdon County
County Subdivision	Cromwell Township
Unified School District	Southern Huntingdon County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$925.00 (+0.11%)	$13,360 (-) Land $3,120 Building $10,240
2025	$924.00	$13,360 Land $3,120 Building $10,240
2023	$360.00	$5,680 Land $3,120 Building $2,560
1978			$16,700 Land $3,900 Building $12,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 20649 Covered Bridge Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer, effective June 10, 2019 · 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	4 in force
Nearby Flood Claims	7 (1996–2011)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Sep 2011 · Tropical Storm Lee
Claims by Event	Tropical Depression Ivan, Sep 2004 · 3 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

Wildfire risk around 20649 Covered Bridge Rd is low, with a 0.03% 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	0.03% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Brightspeed DSL	100 / 10

Cell Coverage

No cell data coverage reported

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