Fulton County property record for 989 Gem Rd, Needmore, PA 17238 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2,178 sqft · built 2000 |
| Lot Size | 1.32 acres (57,499 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $18,300,000 (Feb 2009) |
| Tax Bill | $3,739 (2026) |
| Deeds & Mortgages | Mar 2024 Second Mortgage Jun 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-05-004F.-000 |
| Primary APN | 02-05-004F.-000 |
|---|
| Building Area | 2,178 sqft Living Area |
|---|
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 57,499 sqft (1.32 acres) |
| Street Address | 989 GEM RD |
|---|---|
| City | NEEDMORE |
| State | PA |
| Zip | 17238-9440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | FULTON PA |
| Township / Civil Division | BELFAST |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 960300 |
Source: Fulton County records · APN 02-05-004F.-000
Assessment roll updated January 21, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 989 GEM RD, NEEDMORE, PA 17238-9440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage 1ST ED CREDIT UNION A PENNSYLVANIA |
| Jun 01, 2022 | Deed of Trust, Mortgage · Line of Credit 1ST ED CU |
| Sep 04, 2018 | Deed of Trust, Mortgage · Line of Credit 1ST ED CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 09, 2009 · Amount on Record |
| Deed Sale | Feb 09, 2009 · Amount on Record |
| Deed Document Number | 2009218 |
| Deed Book / Page | 508 / 633 |
| Prior Transfer Date | Dec 21, 2005 |
| Prior Transfer Doc | 0000003073 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON PA |
| Property Address | 989 GEM RD, NEEDMORE, PA 17238-9440 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|
| Document Number | 000706/648 |
|---|---|
| Date | Mar 28, 2024 |
| Book Page | 706/648 |
| Instrument | 2024-000308 |
| Name | 1ST ED CREDIT UNION A PENNSYLVANIA |
|---|---|
| Address | 1156 KENNEBEC DR, CHAMBERSBURG, PA 17201 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 27, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON PA |
| Property Address | 989 GEM RD, NEEDMORE, PA 17238-9440 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000687/189 |
|---|---|
| Date | Jun 01, 2022 |
| Book Page | 687/189 |
| Instrument | 2022-000905 |
| Name | 1ST ED CU |
|---|---|
| Type | Credit Union |
| Address | CHAMBERSBURG, PA 17201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FULTON PA |
| Property Address | 989 GEM RD, NEEDMORE, PA 17238-9440 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2018 |
| Name | Verified Name |
|---|
| Document Number | 633/049 |
|---|---|
| Date | Sep 04, 2018 |
| Book Page | 633/049 |
| Instrument | 2018-001236 |
| Name | 1ST ED CU |
|---|---|
| Type | Credit Union |
| Address | CHAMBERSBURG, PA 17201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 03, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Fulton County records · Assessment roll updated January 21, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Fulton County |
| County Subdivision | Belfast Township |
| Unified School District | Southern Fulton School District (KG - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,739.00 (+3.75%) | $85,040 (-) Land $6,850 Building $78,190 | |
| 2025 | $3,604.00 (+1.24%) | $85,040 (-) Land $6,850 Building $78,190 | |
| 2023 | $3,560.00 | $85,040 Land $6,850 Building $78,190 | |
| 1990 | $85,040 Land $6,850 Building $78,190 |
Source: FEMA National Flood Hazard Layer, Fulton County (42057C), updated February 18, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 420579603001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low above 20% of the US · above 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 5 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Upward Broadband | Fixed Wireless (licensed-by-rule) | 400 / 100 |
| Frontier | DSL | 10 / 1 |
May also be available at this address: Upward Broadband, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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