Chester County property record for 406 Winding Stream Rd, Spring City, PA 19475
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,624 sqft · built 1999 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Dec 2005) |
| Tax Bill | $667 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-6-125 |
| Primary APN | 21-6-125 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,124 sqft |
| Basement Area | 500 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,000 sqft (0.23 acres) |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 406 WINDING STREAM RD |
|---|---|
| City | SPRING CITY |
| State | PA |
| Zip | 19475-1682 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LOT 89 & DWG |
| Legal Subdivision | STONEY RUN |
| Legal Lot Number | 89 |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | EAST VINCENT |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 311000 |
406 Winding Stream Rd is owned and occupied by two individuals who bought it in December 2005.
Source: Chester County records, as of October 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| 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.
| Date | Document |
|---|---|
| Sep 25, 2026 | Deed of Trust, Mortgage · Line of Credit FEDERAL EMPLOYEES CREDIT UNION |
| Jan 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2005 · Amount on File |
| Deed Sale | Dec 23, 2005 · Amount on File |
| Prior Sale | Mar 15, 2000 · Amount on File |
| Deed Document Number | 200510608977 |
| Deed Book / Page | 6721 / 71 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Sep 25, 2026 |
| Property Address | 406 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Document Number | 0012144012 |
| Book / Page | 11659 / 831 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202612144012 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 406 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Document Number | 0012144012, |
|---|---|
| Date | Sep 25, 2026 |
| Book Page | 11659/831 |
| Instrument | 202612144012 |
| Name | FEDERAL EMPLOYEES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 15, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 406 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TTL INS CO |
| Name | Verified Name |
|---|
| Document Number | 0104080427 |
|---|---|
| Date | Jan 12, 2021 |
| Book Page | 10408/427 |
| Instrument | 11796981 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | HORSHAM, PA 19044 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 406 Winding Stream Rd was $667.
Source: Chester County assessment roll, as of May 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Chester County |
| County Subdivision | East Vincent Township |
| Unified School District | Owen J. Roberts School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $667.00 | $153,400 (-) Land $35,400 Building $118,000 | $153,400 (-) Land $35,400 Building $118,000 |
| 2025 | $153,400 (-) Land $35,400 Building $118,000 | $153,400 Land $35,400 Building $118,000 | |
| 2024 | $6,300.00 | $153,400 Land $35,400 Building $118,000 | |
| 1998 | $153,400 Land $35,400 Building $118,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Winding Stream Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026
| 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 risk around 406 Winding Stream Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PA AMERICAN ROYERSFORD private · serves 49,508 people · EPA ID PA1150166 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | E. coli resolved · Oct 2016 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Xfinity Cable | 2,000 / 250 |
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