Cumberland County property record for 41 Smith Rd, Gardners, PA 17324
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,948 sqft · built 1860 |
| Lot Size | 5.16 acres (224,770 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,605 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-15-0201-012P |
| Primary APN | 40-15-0201-012P |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,948 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Vinyl |
| Lot Area | 224,770 sqft (5.16 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Water Source | Well |
| Street Address | 41 SMITH RD |
|---|---|
| City | GARDNERS |
| State | PA |
| Zip | 17324-9000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 41 SMITH ROAD L-0014 LOT 14 PB 59 PG 15 |
| Legal Lot Number | 14 |
| Jurisdiction | CUMBERLAND PA |
| Township / Civil Division | SOUTH MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 12600 |
Source: Cumberland County records, as of April 10, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 41 SMITH RD, GARDNERS, PA 17324-9000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Feb 9, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICHOICE FCU |
| May 5, 2023 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Feb 13, 2023 |
| Transfer Doc | 0000008087 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND PA |
| Property Address | 41 SMITH RD, GARDNERS, PA 17324-9000 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 41 SMITH RD, GARDNERS, PA 17324-9000 |
| Document Number | 0000027369 |
|---|---|
| Date | Dec 30, 2025 |
| Instrument | 202527369 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | OMAHA, NE 68164 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND PA |
| Property Address | 41 SMITH RD, GARDNERS, PA 17324-9000 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002463 |
|---|---|
| Date | Feb 9, 2023 |
| Instrument | 202302463 |
| Name | AMERICHOICE FCU |
|---|---|
| Type | Credit Union |
| Address | MECHANICSBURG, PA 17050 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Jan 14, 2038 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CUMBERLAND PA |
| Recording Date | May 5, 2023 |
| Property Address | 41 SMITH RD, GARDNERS, PA 17324-9000 |
| Document Number | 0000008087 |
| Map Reference | MB 59 PG 15 |
| Instrument Date | Feb 13, 2023 |
| Instrument | 202308087 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 SMITH RD, GARDNERS, PA 17324-9000 |
Source: Cumberland County assessment roll, as of April 10, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Cumberland County |
| County Subdivision | South Middleton Township |
| Unified School District | South Middleton School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,605.00 (+9.82%) | $146,500 (-) Land $70,000 Building $76,500 | |
| 2024 | $2,372.00 | $146,500 Land $70,000 Building $76,500 | |
| 2010 | $146,500 Land $70,000 Building $76,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
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