29 Smith Rd, Gardners, PA 17324 Property Records

Cumberland County property record for 29 Smith Rd, Gardners, PA 17324

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,056 sqft · built 1995
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$189,900 (Jan 2022)
Tax Bill	$2,036 (2026)
Deeds & Mortgages	Nov 2020 Mortgage Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-15-0201-012H`

Property Details

APN / Parcel Number

Primary APN	`40-15-0201-012H`
Alternative APN	`40002206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Total Area

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Modular
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil
Water Source	Well

Location & Zoning

Street Address	29 SMITH RD
City	GARDNERS
State	PA
Zip	17324-9000
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	29 SMITH ROAD L-0008 LOT 8 PB 53 PG 116
Legal Subdivision	FRED W SOWERS
Legal Lot Number	8
Jurisdiction	CUMBERLAND PA
Township / Civil Division	SOUTH MIDDLETON
Census Block Group	2
Census Block	2009
Census Tract	12600

Owner

29 Smith Rd, a mobile home, is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	29 SMITH RD, GARDNERS, PA 17324-9000
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
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACNB BANK
Jan 11, 2022	Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2022 · Amount on File
Deed Sale	Jan 11, 2022 · Amount on File
Prior Sale	Jul 2, 2014 · Amount on File
Deed Document Number	20221102
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND PA
Property Address	29 SMITH RD, GARDNERS, PA 17324-9000
Transaction Type	Mortgage
Record Updated	Apr 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032928
Date	Nov 12, 2020
Instrument	202032928

Lender

Name	ACNB BANK
Type	Bank
Address	GETTYSBURG, PA 17325

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND PA
Recording Date	Jan 11, 2022
Property Address	29 SMITH RD, GARDNERS, PA 17324-9000
Document Number	0000001102
Map Reference	MB 53 PG 116
Instrument Date	Jan 7, 2022
Instrument	202201102
Transaction Type	Transfer
Record Updated	Apr 26, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,899.00
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
Address	29 SMITH RD, GARDNERS, PA 17324-9000

Mortgage

Document Number	0000001103
Date	Jan 11, 2022
Instrument	202201103

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 29 Smith Rd was $2,036.

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	$2,036.00	$114,500 Land $55,000 Building $59,500
2024	$1,854.00	$114,500 Land $55,000 Building $59,500
2010			$114,500 Land $55,000 Building $59,500

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

Flood

FEMA maps place 29 Smith 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 29 Smith Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 91% of Pennsylvania
Wildfire Likelihood	0.05% 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 34 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith Rd

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