313 E Penn St, Bedford, PA 15522 Property Records

Bedford County property record for 313 E Penn St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	1,292 sqft · built 1922
Lot Size	0.165 acres (7,187 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Jun 2026)
Tax Bill	$2,100 (2026)
Deeds & Mortgages	Jul 2026 Transfer Sep 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.04-125`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.04-125`
Alternative APN	`010-000116`

Interior

Stories	2 Stories
Building Area	1,292 sqft Living Area

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	7,187 sqft (0.165 acres)
Deck Area	Deck Area

Location & Zoning

Street Address	313 E PENN ST
City	BEDFORD
State	PA
Zip	15522-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	313 E PENN ST
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1014
Census Tract	960700

Owner

Source: Bedford County records, as of August 11, 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	313 E PENN ST, BEDFORD, PA 15522-1434
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2026	Correction Deed SETTLEMENT COMPANY, ACCEL SETTLEMENT COMPANY LLC
Sep 13, 2010	Deed of Trust, Mortgage HOMETOWN BANK OF PENNSYLVANIA
Jun 11, 2026	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jun 11, 2026	Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
May 16, 2022	Deed, Transfer
Nov 21, 2019	Intrafamily Transfer, Transfer · Commercial Mortgage SOMERSET TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	May 16, 2022 · Amount on Record
Deed Document Number	20262489
Prior Transfer Date	Nov 20, 2019
Prior Transfer Doc	2019/5599
Record Updated	Oct 29, 2026

July 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	BEDFORD PA
Recording Date	Jul 15, 2026
Property Address	313 E PENN ST, BEDFORD, PA 15522-1434
Document Number	0000003100
Instrument Date	Jul 10, 2026
Instrument	20263100
Record Updated	Aug 31, 2026
Title Company	SETTLEMENT COMPANY, ACCEL SETTLEMENT COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 E PENN ST, BEDFORD, PA 15522-1434

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	313 E PENN ST, BEDFORD, PA 15522-1434
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001348/767
Date	Sep 13, 2010
Book Page	1348/767
Instrument	005002

Lender

Name	HOMETOWN BANK OF PENNSYLVANIA
Address	BEDFORD, PA 15522

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 8, 2020

Interest

Rate Type	Adjustable Rate

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Jun 11, 2026
Property Address	313 E PENN ST, BEDFORD, PA 15522-1434
Document Number	0000002489
Instrument Date	Jun 2, 2026
Instrument	20262489
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	ACCEL SETTLEMENT COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$198,970.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 E PENN ST, BEDFORD, PA 15522-1434

Mortgage

Document Number	0000002490,
Date	Jun 11, 2026
Instrument	20262490

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000002491,
Date	Jun 11, 2026
Instrument	20262491

Lender

Name	PENNSYLVANIA HSNG FINANCE AGENCY

Agreement

Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Jun 11, 2026
Property Address	313 E PENN ST, BEDFORD, PA 15522-1434
Document Number	02026/2489
Instrument Date	Jun 2, 2026
Instrument	20262489
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	SETTLEMENT COMPANY, ACCEL SETTLEMENT COMPANY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$198,970.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 E PENN ST, BEDFORD, PA 15522-1434

Mortgage

Document Number	0000002490,
Date	Jun 11, 2026
Instrument	20262490

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

Mortgage

Document Number	0000002491,
Date	Jun 11, 2026
Instrument	20262491

Lender

Name	PENNSYLVANIA HSNG FINANCE AGENCY

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

May 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	May 16, 2022
Property Address	313 E PENN ST, BEDFORD, PA 15522-1434
Document Number	02022/2591
Book / Page	2022 / 2591
Instrument Date	May 15, 2022
Instrument	2022-002591
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Amount	Amount Recorded
Tax	$1,316.50
Amount Accuracy	Tax Sale
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	253 FAIRWAY VIEW DR, BEDFORD, PA 15522-2200

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD PA
Recording Date	Nov 21, 2019
Property Address	313 E PENN ST, BEDFORD, PA 15522-1434
Document Number	2019/5599
Book / Page	2019 / 5599
Instrument Date	Nov 20, 2019
Instrument	2019-005599
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 COUNTRY CLUB TER APT 412, 412, HOLLIDAYSBURG, PA 16648-2549

Mortgage

Document Number	2019005600
Date	Nov 21, 2019
Instrument	2019-005600

Lender

Name	SOMERSET TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,100.00 (+7.14%)	$95,300 (-) Land $28,100 Building $67,200	$95,300 (-) Land $28,100 Building $67,200
2025	$1,960.00 (+11.17%)	$95,300 (-) Land $28,100 Building $67,200	$95,300 (-) Land $28,100 Building $67,200
2023	$1,763.00 Additional exemption filed	$95,300 Land $28,100 Building $67,200
2012			$95,300 Land $28,100 Building $67,200

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

Flood

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	26 (1983–2021)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 6 claims Severe Storms And Flooding, Jan 1996 · 10 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

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	0.01% annual chance
Exposure	Indirect within 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	MUN AUTH OF BORO OF BEDFORD serves 5,127 people · EPA ID PA4050002
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Oct 2018
Monitoring and Reporting	18 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 221 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

May also be available: Breezeline, T-Mobile.

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