40 Prospect St, Smithfield, PA 15478 Property Records

Fayette County property record for 40 Prospect St, Smithfield, PA 15478

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,331 sqft · built 2020
Lot Size	3.59 acres (156,380 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Jun 2020)
Tax Bill	$5,508 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-33-0046`

Property Details

APN / Parcel Number

Primary APN	`14-33-0046`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,331 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	91 sqft
Unfinished Basement	91 sqft
Family Room	Family Room

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Lot Area	156,380 sqft (3.59 acres)
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Pole Barn	3,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	40 PROSPECT ST
City	SMITHFIELD
State	PA
Zip	15478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3.594 AC R1 ATTD RG RM
Jurisdiction	FAYETTE PA
Township / Civil Division	GEORGES
Census Block Group	1
Census Block	1035
Census Tract	263200

Owner

40 Prospect St is owned by an individual who bought it in June 2020.

Source: Fayette County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 274, SMITHFIELD, PA 15478-0274
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
Jun 4, 2021	Deed of Trust, Mortgage · Negative Amortization WESBANCO BANK INC
Jun 16, 2020	Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Jul 12, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2020 · Amount on File
Deed Sale	Jun 16, 2020 · Amount on File
Prior Sale	Jul 12, 2018 · Amount on File
Deed Document Number	20205275
Deed Book / Page	3438 / 198
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE PA
Property Address	40 PROSPECT ST, SMITHFIELD, PA 15478-1614
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03475/1534
Date	Jun 4, 2021
Book Page	3475/1534
Instrument	202100005991

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	WHEELING, WV 26003

Agreement

Type	Negative Amortization
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE PA
Recording Date	Jun 16, 2020
Property Address	40 PROSPECT ST, SMITHFIELD, PA 15478-1614
Document Number	003438/198
Book / Page	3438 / 198
Instrument Date	May 22, 2020
Instrument	202000005275
Transaction Type	Transfer
Record Updated	Oct 17, 2023
Title Company	BROKERS SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5297 COMPRESSOR STATION RD, BRUCETON MILLS, WV 26525-6429

Mortgage

Document Number	202000005276
Date	Jun 16, 2020
Instrument	202000005276

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	2.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	8.87%

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	FAYETTE PA
Recording Date	Jul 12, 2018
Property Address	40 PROSPECT ST, SMITHFIELD, PA 15478-1614
Document Number	03377/2468
Book / Page	3377 / 2468
Instrument Date	Jul 11, 2018
Instrument	201800007224
Transaction Type	Transfer
Record Updated	Oct 17, 2023

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 WEAVER MILL RD, SMITHFIELD, PA 15478-1616

Tax Assessment & Valuation

The 2026 property tax bill for 40 Prospect St was $5,508, up 100.1% from the year before.

Source: Fayette County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Fayette County
County Subdivision	Georges Township
Unified School District	Albert Gallatin Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,508.00 (+100.07%)	$107,585 Land $12,590 Building $94,995
2025	$2,753.00 (+7.12%)
2024	$2,570.00	$107,585 (-) Land $12,590 Building $94,995
2023		$107,585 Land $12,590 Building $94,995
2022	$5,141.00
2003			$215,170 Land $25,180 Building $189,990

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

Flood

FEMA maps place 40 Prospect St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 17, 2017

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

Wildfire risk around 40 Prospect St is low, with a 0.02% 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	0.02% 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	NORTH FAYETTE CNTY MUNI AUTH serves 35,409 people · EPA ID PA5260019
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: QCOL, Verizon, VITALink, Windstream.

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