765 High Mountain Rd, Gardners, PA 17324 Property Records

Cumberland County property record for 765 High Mountain Rd, Gardners, PA 17324

Property Summary

Property Type	Rural Improved / Non-Residential
Details	2 bd · 1 ba · 1,792 sqft · built 2026
Lot Size	10.4 acres (455,202 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jan 2018)
Tax Bill	$1,805 (2026)
Deeds & Mortgages	May 2026 Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-14-0161-010`

Property Details

APN / Parcel Number

Primary APN	`07-14-0161-010`
Alternative APN	`07000047`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,792 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2026
Effective Year Built	Effective 2026
Exterior Material	Vinyl
Lot Area	455,202 sqft (10.4 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	765 HIGH MOUNTAIN RD
City	GARDNERS
State	PA
Zip	17324-8857
Property Category	Other
Property Type	Other > Rural Improved / Non-Residential
Legal Description	765 HIGH MOUNTAIN ROAD LAND APPROX 10 ACRES
Jurisdiction	CUMBERLAND PA
Township / Civil Division	COOKE
Census Block Group	2
Census Block	2048
Census Tract	12702

Owner

Source: Cumberland County records, as of May 22, 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	765 HIGH MOUNTAIN RD, GARDNERS, PA 17324-8857
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ORRSTOWN BANK
Apr 27, 2026	Deed, Transfer SIMPLIFILE
Jan 19, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE FARM BANK F S B

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2018 · Amount on Record
Deed Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	20181681
Last Transfer Date	Aug 8, 2024
Transfer Doc	0000015799
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND PA
Recording Date	May 18, 2026
Property Address	765 HIGH MOUNTAIN RD, GARDNERS, PA 17324-8857
Document Number	0000010533
Instrument Date	May 11, 2026
Instrument	202610533
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 HIGH MOUNTAIN RD, GARDNERS, PA 17324-8857

Mortgage

Document Number	0000010533,
Date	May 18, 2026
Instrument	202610533

Lender

Name	ORRSTOWN BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND PA
Recording Date	Apr 27, 2026
Property Address	765 HIGH MOUNTAIN RD, GARDNERS, PA 17324-8857
Document Number	0000008673
Instrument Date	Apr 21, 2026
Instrument	20268673
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	SIMPLIFILE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	765 HIGH MOUNTAIN RD, GARDNERS, PA 17324-8857

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND PA
Recording Date	Jan 19, 2018
Property Address	765 HIGH MOUNTAIN RD, GARDNERS, PA 17324-8857
Document Number	0000001681
Instrument Date	Jan 19, 2018
Instrument	201801681
Transaction Type	Transfer
Record Updated	Mar 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001682
Date	Jan 19, 2018
Instrument	201801682

Lender

Name	STATE FARM BANK F S B

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of April 10, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Cumberland County
County Subdivision	Cooke Township
Unified School District	Big Spring School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,805.00 (+1.69%)	$87,400 (-) Land $42,400 Building $45,000
2024	$1,775.00	$87,400 Land $42,400 Building $45,000
2010			$87,400 Land $42,400 Building $45,000

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 August 6, 2026 · 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	2 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	Moderate above 60% of the US · above 99.9% of Pennsylvania
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
PA.net Fixed Wireless · not low latency	200 / 50
Brightspeed DSL	40 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on High Mountain Rd

Nearby Streets

All Gardners, PA Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures