22 Pine School Rd, Gardners, PA 17324 Property Records

Cumberland County property record for 22 Pine School Rd, Gardners, PA 17324

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,968 sqft · built 1957
Lot Size	1.56 acres (67,954 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (Apr 2015)
Tax Bill	$3,347 (2026)
Deeds & Mortgages	Feb 2025 Line of Credit Jul 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`40-14-0144-003`

Property Details

APN / Parcel Number

Primary APN	`40-14-0144-003`
Alternative APN	`40002148`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,968 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1975
Exterior Material	Stone
Lot Area	67,954 sqft (1.56 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 PINE SCHOOL RD
City	GARDNERS
State	PA
Zip	17324-9048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22 PINE SCHOOL ROAD LAND APPROX 1 ACRE
Legal Tract	1
Jurisdiction	CUMBERLAND PA
Township / Civil Division	SOUTH MIDDLETON
Census Block Group	2
Census Block	2017
Census Tract	12600

Owner

22 Pine School Rd is owned and occupied by an individual who acquired it in July 2023.

Source: Cumberland County records, as of April 10, 2026

Owner of Record	Individual Name on File
Mailing Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048
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
Feb 13, 2025	Deed of Trust, Mortgage · Line of Credit MEMBERS 1ST FCU
Jul 27, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage NORTHPOINTE BANK
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Sep 27, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2015 · Amount on File
Deed Sale	Apr 6, 2015 · Amount on File
Deed Book / Page	2015 / 7717
Last Transfer Date	Jul 21, 2023
Transfer Doc	0000014028
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND PA
Property Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048

Mortgage

Document Number	0000002859
Date	Feb 13, 2025
Instrument	202502859

Lender

Name	MEMBERS 1ST FCU
Type	Credit Union
Address	ENOLA, PA 17025

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUMBERLAND PA
Recording Date	Jul 27, 2023
Property Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048
Document Number	0000014028
Instrument Date	Jul 21, 2023
Instrument	202314028
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048

Mortgage

Document Number	0000014029
Date	Jul 27, 2023
Instrument	202314029

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND PA
Property Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038281
Date	Dec 22, 2020
Instrument	202038281

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND PA
Recording Date	Sep 27, 2018
Property Address	22 PINE SCHOOL RD, GARDNERS, PA 17324-9048
Document Number	0000023681
Instrument Date	Sep 21, 2018
Instrument	23681
Transaction Type	Transfer
Record Updated	Feb 16, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 PINE SCHOOL RD MECHANICSBURG PA 17055, MECHANICSBURG, PA 17055

Tax Assessment & Valuation

The 2026 property tax bill for 22 Pine School Rd was $3,347.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,347.00	$188,200 Land $55,000 Building $133,200
2024	$3,047.00	$188,200 (-) Land $55,000 Building $133,200
2023		$188,200 Land $55,000 Building $133,200
2022	$2,837.00
2010			$188,200 Land $55,000 Building $133,200

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

Flood

FEMA maps place 22 Pine School Rd in Zone X, an area of minimal flood risk.

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

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 22 Pine School Rd is low, with a 0.04% annual chance of 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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