Chester County property record for 433 S Main St, Spring City, PA 19475
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 1.5 ba · 1,360 sqft · built 1978 |
| Lot Size | 0.141 acres (6,156 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $323,000 (Jul 2024) |
| Tax Bill | $363 (2026) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-7-120.1A |
| Primary APN | 14-7-120.1A |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,360 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,156 sqft (0.141 acres) |
| View / Lot | Neighborhood |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 433 S MAIN ST |
|---|---|
| City | SPRING CITY |
| State | PA |
| Zip | 19475-2018 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R3 |
| Legal Description | LOT 3 & DWG |
| Legal Subdivision | PROPERTY/500 SOUTH MAIN STREET |
| Legal Lot Number | 3 |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | SPRING CITY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 301100 |
433 S Main St, a duplex, is owned and occupied by two individuals who bought it in July 2024.
Source: Chester County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 433 S MAIN ST, SPRING CITY, PA 19475-2018 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Jan 30, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLICE & FIRE FCU |
| Aug 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 17, 2018 | Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2024 · Amount on File |
| Deed Sale | Jul 2, 2024 · Amount on File |
| Prior Sale | Oct 17, 2018 · Amount on File |
| Deed Document Number | 202412028071 |
| Deed Book / Page | 11231 / 449 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 433 S MAIN ST, SPRING CITY, PA 19475-2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0111650253 |
|---|---|
| Date | Jan 30, 2024 |
| Book Page | 11165/253 |
| Instrument | 12009360 |
| Name | POLICE & FIRE FCU |
|---|---|
| Type | Credit Union |
| Address | BENSALEM, PA 19020 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Feb 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 433 S MAIN ST, SPRING CITY, PA 19475-2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0106440634 |
|---|---|
| Date | Aug 16, 2021 |
| Book Page | 10644/634 |
| Instrument | 11860425 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Oct 17, 2018 |
| Property Address | 433 S MAIN ST, SPRING CITY, PA 19475-2018 |
| Document Number | 0098291853 |
| Book / Page | 9829 / 1853 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 11634843 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2022 |
| Title Company | GREATER MONTGOMERY SETTLEMEN |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,000.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 433 S MAIN ST, SPRING CITY, PA 19475-2018 |
| Document Number | 0011634844 |
|---|---|
| Date | Oct 17, 2018 |
| Instrument | 11634844 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2026 property tax bill for 433 S Main St was $363.
Source: Chester County assessment roll, as of May 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Chester County |
| Municipality | Spring City Borough |
| Unified School District | Spring-Ford Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $363.00 | $81,680 Land $24,670 Building $57,010 | $82,650 Land $24,670 Building $57,980 |
| 2024 | $3,316.00 | $81,680 Land $24,670 Building $57,010 | |
| 1998 | $82,650 Land $24,670 Building $57,980 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 433 S Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 4 (1978–1996) |
| Most Recent Claim | Oct 1996 · river or lake 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 433 S Main St 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 98% of the US · lower than 98.3% 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 122 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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