Bedford County property record for 145 Charles St, Schellsburg, PA 15559
| Property Type | Single Family Home |
|---|---|
| Details | 2,529 sqft · built 2003 |
| Lot Size | 1.12 acres (49,049 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,411 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage Apr 2026 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | C.08-0.00-080-V |
| Primary APN | C.08-0.00-080-V |
|---|---|
| Alternative APN |
|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,529 sqft Living Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Lot Area | 49,049 sqft (1.12 acres) |
| Deck Area | Deck Area |
| Street Address | 145 CHARLES ST |
|---|---|
| City | SCHELLSBURG |
| State | PA |
| Zip | 15559-8310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | BEDFORD PA |
| Township / Civil Division | NAPIER |
| Census Block Group | 2 |
| Census Block | 2073 |
| Census Tract | 960900 |
145 Charles St is owned and occupied by two individuals who acquired it in April 2004.
Source: Bedford County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| 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.
| Date | Document |
|---|---|
| Sep 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SOMERSET TRUST |
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SOMERSET TRUST |
| Apr 4, 2024 | Deed of Trust, Mortgage · Line of Credit HOMETOWN BANK OF PENNSYLVANIA |
| Oct 25, 2022 | Deed of Trust, Mortgage · Commercial Mortgage SOMERSET TRUST CO |
| Feb 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SOMERSET TRUST CO |
| Aug 27, 2019 | Deed of Trust, Mortgage · Line of Credit PSECU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2004 |
| Deed Sale | Apr 6, 2004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Recording Date | Sep 4, 2026 |
| Property Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Document Number | 0000004347 |
| Instrument Date | Aug 25, 2026 |
| Instrument | 20264347 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Document Number | 0000004347, |
|---|---|
| Date | Sep 4, 2026 |
| Instrument | 20264347 |
| Name | SOMERSET TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Recording Date | Apr 20, 2026 |
| Property Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Document Number | 0000001547 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20261547 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Document Number | 0000001547, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 20261547 |
| Name | SOMERSET TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Property Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Document Number | 02024/1408 |
|---|---|
| Date | Apr 4, 2024 |
| Book Page | 2024/1408 |
| Instrument | 2024-001408 |
| Name | HOMETOWN BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | BEDFORD, PA 15522 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Property Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Document Number | 02022/5691 |
|---|---|
| Date | Oct 25, 2022 |
| Book Page | 2022/5691 |
| Instrument | 2022-005691 |
| Name | SOMERSET TRUST CO |
|---|---|
| Type | Bank |
| Address | SCHELLSBURG, PA 15559 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Property Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Title Company | STC SETTLEMENT SERVICES |
| Name | Verified Name |
|---|
| Document Number | 2021/1081 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | 2021/1081 |
| Instrument | 2021-001081 |
| Name | SOMERSET TRUST CO |
|---|---|
| Type | Bank |
| Address | SOMERSET, PA 15501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Mar 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Property Address | 145 CHARLES ST, SCHELLSBURG, PA 15559-8310 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2019/4007 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | 2019/4007 |
| Instrument | 2019-004007 |
| Name | PSECU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, PA 17106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 26, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 145 Charles St was $3,411, up 1% from the year before.
Source: Bedford County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bedford County |
| County Subdivision | Napier Township |
| Unified School District | Chestnut Ridge School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,411.00 (+9.96%) | $206,800 (-) Land $25,300 Building $181,500 | $206,800 (-) Land $25,300 Building $181,500 |
| 2025 | $3,102.00 | $206,800 Land $25,300 Building $181,500 | $206,800 Land $25,300 Building $181,500 |
| 2023 | $2,786.00 Additional exemption filed | $206,800 Land $25,300 Building $181,500 | |
| 2012 | $206,800 Land $25,300 Building $181,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 145 Charles St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.
Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · 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 | 5 in force |
| Nearby Flood Claims | 3 (1996–2024) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2024 · river or lake flooding |
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 risk around 145 Charles St is low, with a 0.02% 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 43% of Pennsylvania |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Crowsnest Broadband Fixed Wireless | 400 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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