Chester County property record for 428 Winding Stream Rd, Spring City, PA 19475
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,290 sqft · built 2000 |
| Lot Size | 0.233 acres (10,133 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Jun 2014) |
| Tax Bill | $928 (2026) |
| Deeds & Mortgages | Feb 2023 Second Mortgage Mar 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-6-118 |
| Primary APN | 21-6-118 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,290 sqft Living Area |
| Gross Area | 2,770 sqft |
| Basement Area | 480 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,133 sqft (0.233 acres) |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 428 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 78 & DWG |
| Legal Subdivision | STONEY RUN |
| Legal Lot Number | 78 |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | EAST VINCENT |
| Census Block Group | 5 |
| Census Block | 5000 |
| Census Tract | 311000 |
Source: Chester County records, as of May 28, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 428 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE VICTORY BANK |
| Mar 3, 2021 | Deed of Trust, Mortgage · Line of Credit THE VICTORY BANK |
| Mar 6, 2020 | Deed of Trust, Mortgage · Line of Credit THE VICTORY BANK |
| Dec 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE VICTORY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2014 · Amount on Record |
| Deed Sale | Jun 27, 2014 · Amount on Record |
| Prior Sale | Dec 20, 2006 · Amount on Record |
| Deed Document Number | 201411352528 |
| Deed Book / Page | 8944 / 1281 |
| Prior Transfer Date | Nov 16, 2004 |
| Prior Transfer Doc | 0063500077 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 428 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0110150884 |
|---|---|
| Date | Feb 21, 2023 |
| Book Page | 11015/884 |
| Instrument | 11966287 |
| Name | THE VICTORY BANK |
|---|---|
| Type | Bank |
| Address | ROYERSFORD, PA 19468 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 428 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0104631630 |
|---|---|
| Date | Mar 3, 2021 |
| Book Page | 10463/1630 |
| Instrument | 11811591 |
| Name | THE VICTORY BANK |
|---|---|
| Type | Bank |
| Address | ROYERSFORD, PA 19468 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 428 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0101151052 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 10115/1052 |
| Instrument | 11720930 |
| Name | THE VICTORY BANK |
|---|---|
| Type | Bank |
| Address | ROYERSFORD, PA 19468 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 428 WINDING STREAM RD, SPRING CITY, PA 19475-1682 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SENTRY ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0103890920 |
|---|---|
| Date | Dec 28, 2020 |
| Book Page | 10389/920 |
| Instrument | 11791956 |
| Name | THE VICTORY BANK |
|---|---|
| Type | Bank |
| Address | ROYERSFORD, PA 19468 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
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 | $928.00 (-89.41%) | $213,320 (-) Land $44,180 Building $169,140 | $213,320 (-) Land $44,180 Building $169,140 |
| 2025 | $213,320 (-) Land $44,180 Building $169,140 | $213,320 (-) Land $44,180 Building $169,140 | |
| 2024 | $8,762.00 | $213,320 Land $44,180 Building $169,140 | |
| 1998 | $213,320 Land $44,180 Building $169,140 |
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 October 2, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 93% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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