451 Old Frame Rd, Smithfield, PA 15478 Property Records

Fayette County property record for 451 Old Frame Rd, Smithfield, PA 15478

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 984 sqft · built 1959
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$39,000 (Nov 1993)
Tax Bill	$1,300 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`24-18-0048`

Property Details

APN / Parcel Number

Primary APN	`24-18-0048`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
1st Floor Area	984 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Detached
Garage Area	576 sqft
Driveway	Driveway
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	160 sqft
Canopy	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	451 OLD FRAME RD
City	SMITHFIELD
State	PA
Zip	15478-1167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.439 AC R1 RG RM
Jurisdiction	FAYETTE PA
Township / Civil Division	NICHOLSON
Census Block Group	2
Census Block	2007
Census Tract	263100

Owner

Source: Fayette County records, as of July 20, 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	451 OLD FRAME RD, SMITHFIELD, PA 15478-1167
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2025	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 28, 2019	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 1993 · Amount on Record
Deed Sale	Nov 30, 1993 · Amount on Record
Deed Book / Page	1283 / 85
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE PA
Property Address	451 OLD FRAME RD, SMITHFIELD, PA 15478-1167
Transaction Type	Mortgage
Record Updated	Oct 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 OLD FRAME RD, SMITHFIELD, PA 15478-1167

Mortgage

Document Number	03618/1383
Date	Sep 9, 2025
Book Page	3618/1383
Instrument	202500008176

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 13, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE PA
Property Address	451 OLD FRAME RD, SMITHFIELD, PA 15478-1167
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3435/1336
Date	May 19, 2020
Book Page	3435/1336
Instrument	202000004273

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAYETTE PA
Property Address	451 OLD FRAME RD, SMITHFIELD, PA 15478-1167
Transaction Type	Mortgage
Record Updated	Mar 21, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3393/2233
Date	Jan 28, 2019
Book Page	3393/2233
Instrument	201900000801

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year LIBOR
Max Rate	9.75%

Tax Assessment & Valuation

Source: Fayette County assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Fayette County
County Subdivision	Nicholson Township
Unified School District	Albert Gallatin Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,300.00 (+1%)	$25,950 (-) Land $7,150 Building $18,800
2025	$650.00 (+7.26%)
2024	$606.00 (-5%)	$25,950 (-) Land $7,150 Building $18,800
2023		$25,950 Land $7,150 Building $18,800
2022	$1,212.00
2003			$51,900 Land $14,300 Building $37,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 17, 2017 · 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	3 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.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MOUNTAIN WATER ASSN private · serves 3,856 people · EPA ID PA5260032
Water Source	Purchased surface water from NORTH FAYETTE CNTY MUNI AUTH
Last State Inspection	Jul 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jun 2021
Treatment and Procedure	Coliform assessment Jul 2021
Monitoring and Reporting	12 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable	1,000 / 50
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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