Franklin County property record for 981 Shields Rd, Saint Thomas, PA 17252
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2,002 sqft |
| Lot Size | 9.87 acres (429,937 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $379,500 (Jan 2026) |
| Tax Bill | $2,220 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Dec 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-M18-95 |
| Primary APN | 20-M18-95 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,002 sqft Living Area |
| Architectural Style | Colonial |
|---|---|
| Exterior Material | Other |
| Lot Area | 429,937 sqft (9.87 acres) |
| Street Address | 981 SHIELDS RD |
|---|---|
| City | SAINT THOMAS |
| State | PA |
| Zip | 17252-9734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 MI SE ST THOMAS RT 460 |
| Jurisdiction | FRANKLIN PA |
| Township / Civil Division | ST. THOMAS |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 11400 |
Source: Franklin County records, as of October 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 981 SHIELDS RD, SAINT THOMAS, PA 17252-9734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jan 6, 2026 | Deed, Transfer · Conventional Mortgage FARMERS & MERCHANTS TRUST CO |
| Dec 31, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 6, 2026 · Amount on Record |
| Deed Sale | Jan 6, 2026 · Amount on Record |
| Prior Sale | Dec 31, 2020 · Amount on Record |
| Deed Document Number | 2026152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | FRANKLIN PA |
| Recording Date | Jan 6, 2026 |
| Property Address | 981 SHIELDS RD, SAINT THOMAS, PA 17252-9734 |
| Document Number | 0000000152 |
| Instrument Date | Jan 5, 2026 |
| Instrument | 202600152 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | A PLUS SETTLEMENT SERVICES INC, A PLUS SETTLEMENT SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,795.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3 N 2ND ST, CHAMBERSBURG, PA 17201-1819 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2849 WARM, CHAMBERSBURG, PA 17202 |
| Document Number | 0000000153 |
|---|---|
| Date | Jan 6, 2026 |
| Instrument | 202600153 |
| Name | FARMERS & MERCHANTS TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.87% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2041 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 11.8% |
| Index | SOFR Average 30-Day |
| Max Rate | 11.8% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FRANKLIN PA |
| Recording Date | Dec 31, 2020 |
| Property Address | 981 SHIELDS RD, SAINT THOMAS, PA 17252 |
| Document Number | 0000028527 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 28527 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,050.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 N 2ND ST CHAMBERSBURG PA 172011819, CHAMBERSBURG, PA 17201-1819 |
Source: Franklin County assessment roll, as of April 13, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Franklin County |
| County Subdivision | St. Thomas Township |
| Unified School District | Tuscarora School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,220.00 (+1.28%) | $13,380 (-) Land $1,300 Building $12,080 | |
| 2025 | $2,192.00 (+1.2%) | $13,380 (-) Land $1,300 Building $12,080 | |
| 2024 | $2,166.00 | $13,380 Land $1,300 Building $12,080 | |
| $13,380 Land $1,300 Building $12,080 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BEAR VALLEY JOINT AUTH serves 12,589 people · EPA ID PA7280043 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2024 |
| Lead | 4 ppb (2022) action level 15 ppb |
| Water Quality | Treatment failure resolved · Feb 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 26 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 |
| AT&T Fixed Wireless | 100 / 20 |
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