87 Smith Rd, Gardners, PA 17324 Property Records

Cumberland County property record for 87 Smith Rd, Gardners, PA 17324

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,820 sqft · built 1994
Lot Size	2.62 acres (114,127 sqft)
Owner	Individual Name on Record
Last Sale	$267,000 (Jul 2017)
Tax Bill	$5,087 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-15-0201-035`

Property Details

APN / Parcel Number

Primary APN	`40-15-0201-035`
Alternative APN	`40002237`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,820 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Vinyl
Lot Area	114,127 sqft (2.62 acres)
Lot Dimensions	520 ft deep x 313 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	87 SMITH RD
City	GARDNERS
State	PA
Zip	17324-9000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	87 SMITH ROAD L-0007 LOT 7 PB 43 PG 1
Legal Lot Number	7
Jurisdiction	CUMBERLAND PA
Township / Civil Division	SOUTH MIDDLETON
Census Block Group	2
Census Block	2009
Census Tract	12600

Owner

Source: Cumberland County records, as of April 10, 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	87 SMITH RD, GARDNERS, PA 17324-9000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 26, 2017 · Amount on Record
Deed Sale	Jul 26, 2017 · Amount on Record
Deed Document Number	201718814
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND PA
Recording Date	Jul 26, 2017
Property Address	87 SMITH RD, GARDNERS, PA 17324-9000
Document Number	0000018814
Instrument Date	Jul 24, 2017
Instrument	18814
Transaction Type	Transfer
Record Updated	Aug 9, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,670.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18815
Date	Jul 26, 2017
Instrument	18815

Lender

Name	MORTGAGE RESEARCH CTR
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

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	South Middleton Township
Unified School District	South Middleton School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,087.00 (+9.87%)	$286,000 (-) Land $52,500 Building $233,500
2024	$4,630.00	$286,000 Land $52,500 Building $233,500
2010			$286,000 Land $52,500 Building $233,500

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
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 42% of the US · above 94% of Pennsylvania
Wildfire Likelihood	0.05% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Smith Rd

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