149 Mill Rd, Bedford, PA 15522 Property Records

Bedford County property record for 149 Mill Rd, Bedford, PA 15522

Property Summary

Property Type	Rural Home
Details	2,069 sqft · built 1880
Lot Size	13.3 acres (580,655 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,781 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`F.08-0.00-046`

Property Details

APN / Parcel Number

Primary APN	`F.08-0.00-046`
Alternative APN	`020-002493`

Interior

Stories	2 Stories
Building Area	2,069 sqft Living Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Lot Area	580,655 sqft (13.3 acres)
Garage Type	Carport
Carport	Carport

Location & Zoning

Street Address	149 MILL RD
City	BEDFORD
State	PA
Zip	15522-8363
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	149 MILL RD
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1023
Census Tract	960800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Dutch Corner Historic Agricultural District listed 2015 · 444 contributing resources · NRIS 15000533

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

149 Mill Rd, a rural home, is owned and occupied by two individuals who acquired it in October 2019.

Source: Bedford County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	149 MILL RD, BEDFORD, PA 15522-8363
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
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Oct 3, 2019	Intrafamily Transfer, Transfer · FHA Mortgage FIRST GUARANTY MORTGAGE CORP
Dec 17, 2018	Special Warranty Deed, Transfer · FHA Mortgage CITYWORTH MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2019
Deed Sale	Oct 3, 2019
Prior Sale	Dec 17, 2018 · Amount on File
Deed Document Number	20194751
Deed Book / Page	2019 / 4751
Prior Transfer Date	Sep 23, 2019
Prior Transfer Doc	2019/4751
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	149 MILL RD, BEDFORD, PA 15522-8363
Transaction Type	Mortgage
Record Updated	Nov 3, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/5669
Date	Oct 24, 2022
Book Page	2022/5669
Instrument	2022-005669

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD PA
Recording Date	Oct 3, 2019
Property Address	149 MILL RD, BEDFORD, PA 15522-8363
Document Number	2019/4751
Book / Page	2019 / 4751
Instrument Date	Sep 23, 2019
Instrument	2019-004751
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	149 MILL RD, BEDFORD, PA 15522-8363

Mortgage

Document Number	2019004752
Date	Oct 3, 2019
Instrument	2019-004752

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BEDFORD PA
Recording Date	Dec 17, 2018
Property Address	149 MILL RD, BEDFORD, PA 15522-8363
Document Number	2018/5665
Book / Page	2018 / 5665
Instrument Date	Nov 30, 2018
Instrument	2018-005665
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 MILL RD, BEDFORD, PA 15522-8363

Mortgage

Document Number	2018005666
Date	Dec 17, 2018
Instrument	2018-005666

Lender

Name	CITYWORTH MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 149 Mill Rd was $2,781, up 10.9% from the year before.

Source: Bedford County assessment roll, as of August 11, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,781.00 (+10.93%)	$186,470 (-) Land $37,370 Building $149,100	$186,470 (-12.37%) Land $63,700 Building $149,100
2025	$2,507.00	$186,470 Land $37,370 Building $149,100	$212,800 Land $63,700 Building $149,100
2023	$2,742.00 Additional exemption filed	$186,470 Land $37,370 Building $149,100
2012			$212,800 Land $63,700 Building $149,100

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

Flood

FEMA maps place 149 Mill Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	69 (1980–2021)
Claims Outside the SFHA	4 of 69
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 7 claims Severe Storms And Flooding Associated With Tropical Depression Frances, Sep 2004 · 6 claims Severe Storms And Flooding, Jan 1996 · 12 claims

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 149 Mill Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Crowsnest Broadband, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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