3103 R St, Bedford, IN 47421 Property Records

Lawrence County property record for 3103 R St, Bedford, IN 47421

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,116 sqft · built 1954
Lot Size	0.43 acres (18,750 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Oct 2024)
Tax Bill	$1,570 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1100107300P66S`

Property Details

APN / Parcel Number

Primary APN	`1100107300P66S`
Alternative APNs	`47-06-26-201-028.000-010` `00608188655`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
1st Floor Area	1,116 sqft
Basement Area	558 sqft
Unfinished Basement	558 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1995
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	18,750 sqft (0.43 acres)
Lot Dimensions	250 ft deep x 75 ft wide
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00608188655
Street Address	3103 R ST
City	BEDFORD
State	IN
Zip	47421-5433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O P LOTS 5 & 6 BLK A LOT 5 25X250 & LOT 6 50X250 75X250
Legal Block	A
Legal Lot Number	5-6,5,6
Jurisdiction	LAWRENCE IN
Township / Civil Division	SHAWSWICK
Census Block Group	3
Census Block	3027
Census Tract	950800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3103 R ST, BEDFORD, IN 47421-5433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage RUOFF MORTGAGE CO
Jun 25, 2020	Warranty Deed, Transfer · FHA Mortgage CRESCENT MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Prior Sale	Jun 25, 2020 · Amount on Record
Deed Document Number	202420951
Transfer Doc	0002734083
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Jan 30, 2023
Property Address	3103 R ST, BEDFORD, IN 47421-5433
Document Number	2023000606
Instrument Date	Jan 19, 2023
Instrument	2023000606
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000607
Date	Jan 30, 2023
Instrument	2023000607

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Jun 25, 2020
Property Address	3103 R ST, BEDFORD, IN 47421-5433
Document Number	2020003475
Instrument Date	Jun 9, 2020
Instrument	2020003475
Transaction Type	Transfer
Record Updated	Jan 31, 2025

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2020003476
Date	Jun 25, 2020
Instrument	2020003476

Lender

Name	CRESCENT MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Bedford City
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	$1,570.00 (+9.87%) Homeowner's exemption	$172,900 (+30.49%) Land $10,600 Building $162,300	$172,900 (+30.49%) Land $10,600 Building $162,300
2024	$1,429.00 (+5.15%)
2023	$1,359.00 (+18.48%)	$132,500 (+13.93%) Land $10,000 Building $122,500	$132,500 (+13.93%) Land $10,000 Building $122,500
2022	$1,147.00	$116,300 Land $9,700 Building $106,600	$116,300 Land $9,700 Building $106,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 68% of Indiana
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BEDFORD CITY UTILITIES serves 14,000 people · EPA ID IN5247001
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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