Cumberland County property record for 48 Pine School Rd, Gardners, PA 17324
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,260 sqft · built 1991 |
| Lot Size | 5.2 acres (226,512 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,793 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-14-0144-003A |
| Primary APN | 40-14-0144-003A |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,260 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Vinyl |
| Lot Area | 226,512 sqft (5.2 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Water Source | Well |
| Street Address | 48 PINE SCHOOL RD |
|---|---|
| City | GARDNERS |
| State | PA |
| Zip | 17324-9048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 48 PINE SCHOOL ROAD LAND APPROX 5 ACRES |
| Jurisdiction | CUMBERLAND PA |
| Township / Civil Division | SOUTH MIDDLETON |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 12600 |
48 Pine School Rd is owned and occupied by an individual.
Source: Cumberland County records, as of April 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 48 PINE SCHOOL RD, GARDNERS, PA 17324-9048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND PA |
| Property Address | 48 PINE SCHOOL RD, GARDNERS, PA 17324-9048 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000019808 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 202119808 |
| Name | MEMBERS 1ST FCU |
|---|---|
| Type | Credit Union |
| Address | MECHANICSBURG, PA 17055 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 83 Months |
| Due | May 26, 2028 |
The 2026 property tax bill for 48 Pine School Rd was $4,793.
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 | $4,793.00 | $269,500 Land $90,500 Building $179,000 | |
| 2024 | $4,363.00 | $269,500 Land $90,500 Building $179,000 | |
| 2010 | $269,500 Land $90,500 Building $179,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 48 Pine School Rd 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 August 6, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
| 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.
Wildfire risk around 48 Pine School Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 83% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 0.04% 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 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| PA.net Fixed Wireless · not low latency | 200 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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