118 Empire Ln, Bedford, IN 47421 Property Records

Lawrence County property record for 118 Empire Ln, Bedford, IN 47421

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,080 sqft · built 1998
Lot Size	12.8 acres (558,439 sqft)
Owner	Individual Name on File
Tax Bill	$1,772 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0500187700P16`

Property Details

APN / Parcel Number

Primary APN	`0500187700P16`
Alternative APNs	`47-03-16-200-051.000-006` `01135401552`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,080 sqft Living Area
1st Floor Area	3,520 sqft
Basement Area	1,760 sqft
Unfinished Basement	1,760 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Construction Type	Wood
Roof Material	Asphalt
Lot Area	558,439 sqft (12.8 acres)
Terrain	Rolling
Garage Type	Basement
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft
Lean-To	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	01135401552
Street Address	118 EMPIRE LN
City	BEDFORD
State	IN
Zip	47421-6902
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SEC 16 TWP 6 R1W 12.82A S CENT PT S 1/2 NW
Legal Range	1W
Legal Township	6
Legal Section	16
Jurisdiction	LAWRENCE IN
Township / Civil Division	MARSHALL
Census Block Group	1
Census Block	1009
Census Tract	950500

Owner

118 Empire Ln, a rural home, is owned and occupied by an individual who acquired it in April 2015.

Source: Lawrence County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	118 EMPIRE LN, BEDFORD, IN 47421-6902
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HORIZON BANK
Sep 22, 2020	Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 7, 2015
Transfer Doc	2015001969
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	118 EMPIRE LN, BEDFORD, IN 47421-6902
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022005156
Date	Aug 2, 2022
Instrument	2022005156

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	118 EMPIRE LN, BEDFORD, IN 47421-6902
Transaction Type	Mortgage
Record Updated	May 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021002546
Date	Apr 12, 2021
Instrument	2021002546

Lender

Name	HORIZON BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	May 1, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	118 EMPIRE LN, BEDFORD, IN 47421-6902
Transaction Type	Mortgage
Record Updated	Oct 14, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020005839
Date	Sep 22, 2020
Instrument	2020005839

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 118 Empire Ln was $1,772 with a homeowner's exemption, down 6.5% from the year before.

Source: Lawrence County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
County	Lawrence County
County Subdivision	Marshall Township
Unified School District	North Lawrence Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,772.00 (-6.49%) Homeowner's exemption	$271,400 Land $18,500 Building $252,900	$271,400 Land $18,500 Building $252,900
2024	$1,895.00 (+4.75%)
2023	$1,809.00 (-1.42%)	$236,100 (+4.79%) Land $17,000 Building $219,100	$236,100 (+4.79%) Land $17,000 Building $219,100
2022	$1,835.00	$225,300 Land $16,000 Building $209,300	$225,300 Land $16,000 Building $209,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 118 Empire Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 3, 2010 · 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.

Wildfire

Wildfire risk around 118 Empire Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · above 73% of Indiana
Wildfire Likelihood	0.01% 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 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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