3109 Main Rd, Bedford, PA 15522 Property Records

Bedford County property record for 3109 Main Rd, Bedford, PA 15522 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3,000 sqft · built 1849
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (May 2023)
Tax Bill	$883 (2026)
Deeds & Mortgages	Sep 2025 Mortgage May 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`E.12-C.05-045`

Property Details

APN / Parcel Number

Primary APN	`E.12-C.05-045`
Alternative APN	`270-018778`

Interior

Stories	2 Stories
Building Area	3,000 sqft Living Area

Exterior

Year Built	Built 1849
Effective Year Built	Effective 1849
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Basement

Location & Zoning

Street Address	3109 MAIN RD
City	BEDFORD
State	PA
Zip	15522-4019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3109 MAIN RD
Jurisdiction	BEDFORD PA
Township / Civil Division	RAINSBURG
Census Block Group	2
Census Block	2034
Census Tract	961002

Owner

Source: Bedford County records · APN E.12-C.05-045

Assessment roll updated August 11, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3109 MAIN RD, BEDFORD, PA 15522-4019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage LOAN PRONTO INC
May 10, 2023	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 29, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 10, 2023 · Amount on Record
Deed Sale	May 10, 2023 · Amount on Record
Deed Document Number	20231887
Prior Transfer Date	Nov 20, 2009
Prior Transfer Doc	0000008083
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	3109 MAIN RD, BEDFORD, PA 15522-4019
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	TITLE PROS LLC, TITLE PRONTO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 MAIN RD, BEDFORD, PA 15522-4019

Mortgage

Document Number	02025/4583
Date	Sep 26, 2025
Book Page	2025/4583
Instrument	2025-004583

Lender

Name	LOAN PRONTO INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28208

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	May 10, 2023
Property Address	3109 MAIN RD, BEDFORD, PA 15522-4019
Document Number	02023/1887
Book / Page	2023 / 1887
Instrument Date	May 09, 2023
Instrument	2023-001887
Transaction Type	Transfer
Record Updated	May 30, 2023
Title Company	ACQUIRE SETTLEMENT SERVICES LLC, ACQUIRE SETTLEMENT SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	824 BARCLAY DR, BEDFORD, PA 15522-2013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3109 MAIN RD, BEDFORD, PA 15522-4019

Mortgage

Document Number	2023001888
Date	May 10, 2023
Instrument	2023-001888

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	3109 MAIN RD, BEDFORD, PA 15522-4019
Transaction Type	Mortgage
Record Updated	Dec 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018/5401
Date	Nov 29, 2018
Book Page	2018/5401
Instrument	2018-005401

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Bedford County records · Assessment roll updated August 11, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bedford County
Municipality	Rainsburg Borough
Unified School District	Bedford Area School District (KG - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$883.00 (-26.54%)	$79,100 (-) Land $12,100 Building $67,000	$79,100 (-) Land $12,100 Building $67,000
2025			$79,100 (-) Land $12,100 Building $67,000
2023	$1,202.00 Additional exemption filed	$79,100 Land $12,100 Building $67,000
2012			$79,100 Land $12,100 Building $67,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Bedford County (42009C), updated May 28, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 420099610022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 43% of Pennsylvania
Wildfire Likelihood	About 1 in 7,143 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 48 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Crowsnest Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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