Mercer County property record for 407 Smith Rd, Sandy Lake, PA 16145
| Property Type | Rural Home |
|---|---|
| Details | 805 sqft · built 1950 |
| Lot Size | 110 acres (4,823,834 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $1,019 (2026) |
| Deeds & Mortgages | Feb 2014 Line of Credit Jul 2025 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 07 038 034 |
| Primary APN | 07 038 034 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 805 sqft Living Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 4,823,834 sqft (110 acres) |
| Street Address | 407 SMITH RD |
|---|---|
| City | SANDY LAKE |
| State | PA |
| Zip | 16145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | HS BR MBLDGS |
| Jurisdiction | MERCER PA |
| Township / Civil Division | FRENCH CREEK |
| Census Block Group | 3 |
| Census Block | 3079 |
| Census Tract | 31800 |
407 Smith Rd, a rural home, is held in a trust since July 2025.
Source: Mercer County records, as of April 9, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 21441 GERMAN RD, MEADVILLE, PA 16335-5307 |
| Owner Type | Company |
| Vesting | Trust, Irrevocable Trust |
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 |
|---|---|
| Feb 4, 2014 | Deed of Trust, Mortgage · Line of Credit FIRST NIAGARA BANK NA |
| Jul 18, 2025 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 18, 2025 |
| Transfer Doc | 0000005710 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER PA |
| Property Address | 407 SMITH RD, SANDY LAKE, PA 16145 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 201400001209 |
|---|---|
| Date | Feb 4, 2014 |
| Instrument | 2014-00001209 |
| Name | FIRST NIAGARA BANK NA |
|---|---|
| Type | Bank |
| Address | LOCKPORT, NY 14095 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
| Change Frequency | Monthly |
| Min Rate At Change | 2.99% |
| Max Rate | 15.9% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MERCER PA |
| Recording Date | Jul 18, 2025 |
| Property Address | 407 SMITH RD, SANDY LAKE, PA 16145 |
| Document Number | 202500005710 |
| Instrument Date | Jan 12, 2024 |
| Instrument | 2025-00005710 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21441 GERMAN RD, MEADVILLE, PA 16335-5307 |
| Name | Verified Name |
|---|---|
| Address | 21441 GERMAN RD, MEADVILLE, PA 16335-5307 |
The 2026 property tax bill for 407 Smith Rd was $1,019.
Source: Mercer County assessment roll, as of April 9, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Mercer County |
| County Subdivision | French Creek Township |
| Unified School District | Crawford Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,019.00 | $23,500 Land $5,250 Building $18,250 | |
| 2024 | $23,500 (-) Land $5,250 Building $18,250 | ||
| 2023 | $963.00 | $23,500 Land $5,250 Building $18,250 | |
| 1974 | $23,500 Land $5,250 Building $18,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Smith Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.
Source: FEMA National Flood Hazard Layer, effective November 30, 2016 · 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 | 2 in force |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2003 · Severe Storms, Tornadoes, And Flooding |
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 risk around 407 Smith Rd 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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