228 School St, Mount Carmel, PA 17851 Property Records

Northumberland County property record for 228 School St, Mount Carmel, PA 17851

Property Summary

Property Type	Single Family Home
Lot Size	0.068 acres (3,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Jun 2025)
Tax Bill	$609 (2026)
Deeds & Mortgages	May 2006 Line of Credit Mar 2007 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`008-01-060-039`

Property Details

APN / Parcel Number

Primary APN	`008-01-060-039`

Exterior

Lot Area	3,000 sqft (0.068 acres)
Lot Dimensions	100 ft deep x 30 ft wide

Location & Zoning

Street Address	228 SCHOOL ST
City	MOUNT CARMEL
State	PA
Zip	17851-2589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 30 X 100
Jurisdiction	NORTHUMBERLAND PA
Township / Civil Division	MOUNT CARMEL
Census Block Group	1
Census Block	1002
Census Tract	80900

Owner

Source: Northumberland County records, as of March 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	226 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 12, 2006	Deed of Trust, Mortgage · Line of Credit THE UNION NATIONAL BANK OF MOUNT CARMEL
Mar 8, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNSYLVANIA HOUSING FINANCE AGENCY
Jun 24, 2025	Deed, Transfer · Conventional Mortgage FULTON BANK NA
Dec 2, 2019	Deed, Transfer · FHA Mortgage MORTGAGE AMERICA INC
May 29, 2012	Deed, Transfer · Line of Credit FNB BANK NA
Mar 8, 2007	Deed, Transfer · Stand-Alone First Mortgage FULTON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2025 · Amount on Record
Deed Sale	Jun 24, 2025 · Amount on Record
Prior Sale	Dec 2, 2019 · Amount on Record
Deed Document Number	20258115
Deed Book / Page	3409 / 820
Prior Transfer Date	Nov 21, 2019
Prior Transfer Doc	002967/644
Record Updated	Jun 8, 2026

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001863/928
Date	May 12, 2006
Book Page	1863/928
Instrument	200608220

Lender

Name	THE UNION NATIONAL BANK OF MOUNT CARMEL
Type	Bank
Address	MOUNT CARMEL, PA 17851

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHUMBERLAND PA
Property Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001945/461
Date	Mar 8, 2007
Book Page	1945/461
Instrument	200703666

Lender

Name	PENNSYLVANIA HOUSING FINANCE AGENCY
Type	Government Agency
Address	HARRISBURG, PA 17101

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

June 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHUMBERLAND PA
Recording Date	Jun 24, 2025
Property Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Document Number	003409/820
Book / Page	3409 / 820
Map Reference	MB 6 PG 429
Instrument Date	Jun 16, 2025
Instrument	202508115
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	NORTHEAST PA ABSTRACT LLC, NORTHEAST PA STLMT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$850.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	226 SCHOOL ST, MOUNT CARMEL, PA 17851-2589

Mortgage

Document Number	0202508116
Date	Jun 24, 2025
Instrument	202508116

Lender

Name	FULTON BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2035

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHUMBERLAND PA
Recording Date	Dec 2, 2019
Property Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Document Number	002967/644
Book / Page	2967 / 644
Map Reference	MB 6 PG 429
Instrument Date	Nov 21, 2019
Instrument	201919049
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	MULTI COUNTY LAND ABSTRACT COMPANY, MULTI CNTY LAND ABSTRACT CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,245.25
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589

Mortgage

Document Number	0201919050
Date	Dec 2, 2019
Instrument	201919050

Lender

Name	MORTGAGE AMERICA INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

May 2012: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHUMBERLAND PA
Recording Date	May 29, 2012
Property Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Document Number	002387/197
Book / Page	2387 / 197
Map Reference	MB6 PG429
Instrument Date	May 7, 2012
Instrument	201208062
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,043.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589

Mortgage

Document Number	0201208063
Date	May 29, 2012
Instrument	201208063

Lender

Name	FNB BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	NORTHUMBERLAND PA
Recording Date	Mar 8, 2007
Property Address	228 SCHOOL ST, MOUNT CARMEL, PA 17851-2589
Document Number	001945/439
Book / Page	1945 / 439
Instrument Date	Mar 5, 2007
Instrument	200703663
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	210 SCHOOL ST, MOUNT CARMEL, PA 17851

Mortgage

Document Number	001945/443
Date	Mar 8, 2007
Book Page	1945/443
Instrument	200703664

Lender

Name	FULTON BANK
Type	Bank
Address	LANCASTER, PA 17602

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

Source: Northumberland County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Northumberland County
County Subdivision	Mount Carmel Township
Unified School District	Mount Carmel Area School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$609.00 (+12.57%)	$5,000 (-) Land $420 Building $4,580
2024	$541.00	$5,000 (-) Land $420 Building $4,580
2023	$541.00	$5,000 Land $420 Building $4,580
1972			$5,000 Land $420 Building $4,580

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 9, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 64% of the US · above 83% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AQUA PA ROARING CREEK DIVISION private · serves 43,000 people · EPA ID PA4490024
Water Source	Surface water
Last State Inspection	May 2025
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Apr 2026
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Service Electric Cable TV Fiber · Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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