286 Ridge Rd, Spring City, PA 19475 Property Records

Chester County property record for 286 Ridge Rd, Spring City, PA 19475

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,040 sqft · built 1920
Lot Size	1.9 acres (82,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Feb 1991)
Tax Bill	$909 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`21-5-206.1`

Property Details

APN / Parcel Number

Primary APN	`21-5-206.1`
Alternative APNs	`2105 02060100` `2105 020601`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,040 sqft Living Area
Basement Area	1,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2007
Architectural Style	Old Style
Exterior Material	Brick
Construction Type	Brick
Lot Area	82,764 sqft
View / Lot	Neighborhood
Garage Type	Detached
Garage Area	1,128 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	286 RIDGE RD
City	SPRING CITY
State	PA
Zip	19475-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	1.9 AC DWG & GAR
Jurisdiction	CHESTER PA
Township / Civil Division	EAST VINCENT
Census Block Group	6
Census Block	6006
Census Tract	311000

Owner

Source: Chester County records, as of May 28, 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	286 RIDGE RD, SPRING CITY, PA 19475-2210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 7, 2017	Loan Modification, Mortgage · Line of Credit POPULAR CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 1991 · Amount on Record
Deed Sale	Feb 1, 1991 · Amount on Record
Deed Book / Page	2334 / 141
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER PA
Property Address	286 RIDGE RD, SPRING CITY, PA 19475-2210
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0106600597
Date	Aug 30, 2021
Book Page	10660/597
Instrument	11864424

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CHESTER PA
Property Address	286 RIDGE RD, SPRING CITY, PA 19475-2210
Document Number	0096970664
Book / Page	009697 / 000664
Instrument Date	Dec 7, 2017
Transaction Type	Mortgage
Record Updated	Feb 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	286 RIDGE RD SPRING CITY PA 194752210, SPRING CITY, PA 19475-2210

Mortgage

Document Number	0096970664
Date	Feb 13, 2018
Book Page	009697/000664
Instrument	11592398

Lender

Name	POPULAR CMNTY BK
Address	NEW YORK, NY 10004

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 12, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Chester County assessment roll, as of May 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Chester County
County Subdivision	East Vincent Township
Unified School District	Owen J. Roberts School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$909.00 (-89.41%)	$209,030 (-) Land $37,940 Building $171,090	$245,020 (-) Land $37,940 Building $207,080
2024	$8,585.00	$209,030 Land $37,940 Building $171,090
1998			$245,020 Land $37,940 Building $207,080

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 October 2, 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	3 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

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	0.01% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	2,300 / 2,300
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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