232 Mill St, Bedford, IN 47421 Property Records

Lawrence County property record for 232 Mill St, Bedford, IN 47421

Property Summary

Property Type	Rural Home
Details	4 bd · 2 ba · 1,782 sqft · built 1992
Lot Size	8.55 acres (372,438 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0800032100P32E`

Property Details

APN / Parcel Number

Primary APN	`0800032100P32E`
Alternative APNs	`47-07-32-300-060.000-009` `00833929126`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,782 sqft Living Area
1st Floor Area	1,782 sqft
Basement Area	891 sqft
Unfinished Basement	891 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Wood
Roof Material	Asphalt
Lot Area	372,438 sqft (8.55 acres)
Terrain	Rolling

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Deck Area	380 sqft
Shed	1 Shed
Shed Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00833929126
Street Address	232 MILL ST
City	BEDFORD
State	IN
Zip	47421-7937
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SEC 32 TWP 5 R1E 8.55A TOTAL TR 60 6.68A TR 76 1.90A SE COR S 1/2 SW
Legal Range	1E
Legal Township	5
Legal Section	32
Legal Tract	60,76
Jurisdiction	LAWRENCE IN
Township / Civil Division	SHAWSWICK
Census Block Group	1
Census Block	1009
Census Tract	951201

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	232 MILL ST, BEDFORD, IN 47421-7937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · Conventional Mortgage HOOSIER HILLS CU
Nov 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage JACKSON COUNTY BANK
Dec 2, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOSSIER HILLS CREDIT UNION
Sep 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOSSIER HILLS CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	232 MILL ST, BEDFORD, IN 47421-7937
Transaction Type	Mortgage
Record Updated	Apr 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2024001482
Date	Mar 15, 2024
Instrument	2024001482

Lender

Name	HOOSIER HILLS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 20, 2039

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	232 MILL ST, BEDFORD, IN 47421-7937
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023006875
Date	Nov 17, 2023
Instrument	2023006875

Lender

Name	JACKSON COUNTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	0.07%
Index	1-Year CMT

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	232 MILL ST, BEDFORD, IN 47421-7937
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019007055
Date	Dec 2, 2019
Instrument	2019007055

Lender

Name	HOSSIER HILLS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	232 MILL ST, BEDFORD, IN 47421-7937
Transaction Type	Mortgage
Record Updated	Sep 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019005005
Date	Sep 3, 2019
Instrument	2019005005

Lender

Name	HOSSIER HILLS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,395.00 (-7.8%) Homeowner's exemption	$200,700 (+3.67%) Land $22,100 Building $178,600	$200,700 (+3.67%) Land $22,100 Building $178,600
2024	$1,513.00 (-13.69%)
2023	$1,753.00 (-0.74%)	$193,600 (+5.22%) Land $39,800 Building $153,800	$193,600 (+5.22%) Land $39,800 Building $153,800
2022	$1,766.00	$184,000 Land $37,500 Building $146,500	$184,000 Land $37,500 Building $146,500

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

Flood

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	2 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And 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

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G (outdoors only) and 4G LTE

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