89 Cherry Ave, Chambersburg, PA 17202 Property Records

Franklin County property record for 89 Cherry Ave, Chambersburg, PA 17202

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,206 sqft
Lot Size	2.92 acres (127,195 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jun 2008)
Tax Bill	$6,908 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-D5-45`

Property Details

APN / Parcel Number

Primary APN	`10-D5-45`
Alternative APN	`10-0D05.-045.-000000`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	2,206 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	127,195 sqft (2.92 acres)

Location & Zoning

Street Address	89 CHERRY AVE
City	CHAMBERSBURG
State	PA
Zip	17202-3371
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	FRANKLIN PA
Township / Civil Division	GUILFORD
Census Block Group	1
Census Block	1025
Census Tract	10600

Owner

Source: Franklin County records, as of May 27, 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	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit PATRIOT FEDERAL CREDIT UNION
Sep 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Nov 15, 2019	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Apr 10, 2017	Deed of Trust, Mortgage M&T BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2008 · Amount on Record
Deed Sale	Jun 17, 2008 · Amount on Record
Deed Document Number	200812179
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN PA
Recording Date	Jul 29, 2026
Property Address	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371
Document Number	0000015224
Instrument Date	Jul 24, 2026
Instrument	202615224
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371

Mortgage

Document Number	0000015224,
Date	Jul 29, 2026
Instrument	202615224

Lender

Name	PATRIOT FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.49%
Max Rate	-1%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN PA
Property Address	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAFAYETTE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017358
Date	Sep 17, 2019
Instrument	201917358

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jun 29, 2045

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN PA
Property Address	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021613
Date	Nov 15, 2019
Instrument	201921613

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN PA
Property Address	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027826
Date	Dec 23, 2020
Instrument	202027826

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	317 Months
Due	May 30, 2047

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN PA
Property Address	89 CHERRY AVE, CHAMBERSBURG, PA 17202-3371
Document Number	0000007860
Instrument Date	Apr 10, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	LAFAYETTE SETTLEMENT SERVICES, LAFAYETTE SETTLEMENT SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 CHERRY AVE CHAMBERSBURG PA 172023371, CHAMBERSBURG, PA 17202-3371

Mortgage

Document Number	0000007860
Date	Apr 25, 2017
Instrument	7860

Lender

Name	M&T BK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Apr 24, 2037

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Franklin County
County Subdivision	Guilford Township
Unified School District	Chambersburg Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,908.00 (+2.45%)	$41,400 (-) Land $2,380 Building $39,020
2025	$6,743.00 (+3.23%)
2024	$6,532.00 (+34.15%)	$41,400 (+29.98%) Land $2,380 Building $39,020
2023	$4,869.00	$31,850 Land $2,380 Building $29,470
			$41,400 Land $2,380 Building $39,020

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective February 2, 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	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	Low lower than 95% of the US · lower than 95% 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.

Drinking Water

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

Water System	GUILFORD WATER AUTH serves 28,135 people · EPA ID PA7280038
Water Source	Groundwater
Last State Inspection	May 2026
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 115 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
PA.net Fixed Wireless · not low latency	200 / 50

May also be available: T-Mobile.

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