Chester County property record for 431 Winding Stream Rd, Spring City, PA 19475
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,284 sqft · built 2000 |
| Lot Size | 0.231 acres (10,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (May 2008) |
| Tax Bill | $861 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Oct 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-6-109 |
| Primary APN | 21-6-109 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,284 sqft Living Area |
| Gross Area | 2,736 sqft |
| Basement Area | 452 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,050 sqft (0.231 acres) |
| Terrain | Above Road/Slope |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Garage Area | 452 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 | 431 WINDING STREAM RD |
|---|---|
| City | SPRING CITY |
| State | PA |
| Zip | 19475-1674 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LOT 67 & DWG |
| Legal Subdivision | STONEY RUN |
| Legal Lot Number | 67 |
| 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 | 431 WINDING STREAM RD, SPRING CITY, PA 19475-1674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2022 | Deed of Trust, Mortgage · Line of Credit FRANKLIN MINT FCU |
| Oct 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 30, 2021 | Deed of Trust, Mortgage · Line of Credit PSECU |
| Sep 6, 2017 | Deed of Trust, Mortgage · Line of Credit PENNSYLVANIA ST EMP CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 7, 2008 · Amount on Record |
| Deed Sale | May 7, 2008 · Amount on Record |
| Prior Sale | Jun 26, 2000 · Amount on Record |
| Deed Document Number | 200810843071 |
| Deed Book / Page | 7428 / 516 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 431 WINDING STREAM RD, SPRING CITY, PA 19475-1674 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2022 |
| Title Company | MANNER TITLE |
| Name | Verified Name |
|---|
| Document Number | 0109501863 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | 10950/1863 |
| Instrument | 11946686 |
| Name | FRANKLIN MINT FCU |
|---|---|
| Type | Credit Union |
| Address | CHADDS FORD, PA 19317 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 431 WINDING STREAM RD, SPRING CITY, PA 19475-1674 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0106960862 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 10696/862 |
| Instrument | 11873998 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 431 WINDING STREAM RD, SPRING CITY, PA 19475-1674 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0107480259 |
|---|---|
| Date | Nov 30, 2021 |
| Book Page | 10748/259 |
| Instrument | 11888196 |
| Name | PSECU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, PA 17106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 431 WINDING STREAM RD, SPRING CITY, PA 19475-1674 |
| Document Number | 0096441696 |
| Book / Page | 009644 / 001696 |
| Instrument Date | Sep 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2017 |
| Name | Verified Name |
|---|---|
| Address | 431 WINDING STREAM RD SPRING CITY PA 194751674, SPRING CITY, PA 19475-1674 |
| Document Number | 0096441696 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 009644/001696 |
| Instrument | 11575671 |
| Name | PENNSYLVANIA ST EMP CU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, PA 17106-7013 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 2, 2037 |
| Rate Type | Adjustable Rate |
|---|
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 | $861.00 (-89.41%) | $197,900 (-) Land $44,130 Building $153,770 | $197,900 (-) Land $44,130 Building $153,770 |
| 2024 | $8,128.00 | $197,900 Land $44,130 Building $153,770 | |
| 1998 | $197,900 Land $44,130 Building $153,770 |
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 500 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 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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