314 Water St, Everett, PA 15537 Property Records

Bedford County property record for 314 Water St, Everett, PA 15537

Property Summary

Property Type	Single Family Home
Details	972 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Oct 2025)
Tax Bill	$1,216 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Nov 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`G.09-C.05-097`

Property Details

APN / Parcel Number

Primary APN	`G.09-C.05-097`
Alternative APN	`080-007010`

Interior

Stories	1 Story
Building Area	972 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	314 WATER ST
City	EVERETT
State	PA
Zip	15537-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	314 WATER ST
Jurisdiction	BEDFORD PA
Township / Civil Division	EVERETT
Census Block Group	2
Census Block	2019
Census Tract	960600

Historic Designation

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

Historic District	Within the Everett Historic District listed 2003 · 301 contributing resources · NRIS 03000492

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

Owner

314 Water St is owned and occupied by an individual who bought it in October 2025.

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	Individual Name on File
Mailing Address	314 WATER ST, EVERETT, PA 15537-1041
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Nov 4, 2021	Deed, Transfer · Conventional Mortgage M & T BANK
Aug 28, 2019	Deed, Transfer
Mar 27, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2025 · Amount on File
Deed Sale	Oct 1, 2025 · Amount on File
Prior Sale	Nov 4, 2021 · Amount on File
Deed Document Number	20254681
Prior Transfer Date	Nov 3, 2021
Prior Transfer Doc	02021/6737
Record Updated	Sep 20, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Oct 1, 2025
Property Address	314 WATER ST, EVERETT, PA 15537-1041
Document Number	02025/4681
Book / Page	2025 / 4681
Instrument Date	Sep 30, 2025
Instrument	2025-004681
Transaction Type	Transfer
Record Updated	Oct 20, 2025
Title Company	CENTRAL PA SETTLEMENT SERVICES LLC, CENTRAL PA SETTLEENT SVCS LC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 WATER ST, EVERETT, PA 15537-1041

Mortgage

Document Number	2025004682
Date	Oct 1, 2025
Instrument	2025-004682

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Nov 4, 2021
Property Address	314 WATER ST, EVERETT, PA 15537-1041
Document Number	02021/6737
Book / Page	2021 / 6737
Instrument Date	Nov 3, 2021
Instrument	2021-006737
Transaction Type	Transfer
Record Updated	Mar 15, 2023
Title Company	ACQUIRE SETTLEMENT SERVICES LLC, ACQUIRE SETTLEMENT SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$780.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 WATER ST, EVERETT, PA 15537-1041

Mortgage

Document Number	2021006738
Date	Nov 4, 2021
Instrument	2021-006738

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Aug 28, 2019
Property Address	314 WATER ST, EVERETT, PA 15537-1041
Document Number	02019/4028
Book / Page	2019 / 4028
Instrument Date	Aug 28, 2019
Instrument	2019-004028
Transaction Type	Transfer
Record Updated	Mar 15, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 HILLSIDE DR, NEW PARIS, PA 15554-8405

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	323 WATER ST, EVERETT, PA 15537-1042

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD PA
Recording Date	Mar 27, 2019
Property Address	314 WATER ST, EVERETT, PA 15537-1041
Document Number	02019/1249
Book / Page	2019 / 1249
Instrument Date	Mar 27, 2019
Instrument	2019-001249
Transaction Type	Transfer
Record Updated	Mar 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	30 E 4TH ST, EVERETT, PA 15537-1001

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	314 WATER ST, EVERETT, PA 15537-1041

Tax Assessment & Valuation

The 2026 property tax bill for 314 Water St was $1,216, up 5.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,216.00 (+5.65%)	$63,000 (-) Land $9,100 Building $53,900	$63,000 (-) Land $9,100 Building $53,900
2025	$1,151.00	$63,000 Land $9,100 Building $53,900	$63,000 Land $9,100 Building $53,900
2023	$1,393.00 Additional exemption filed	$63,000 Land $9,100 Building $53,900
2012			$63,000 Land $9,100 Building $53,900

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

Flood

FEMA maps place 314 Water St in Zone X, an area of minimal flood risk, within 100 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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	10 (1982–2018)
Claims Outside the SFHA	3 of 10
Most Recent Claim	Sep 2018 · river or lake 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

Wildfire risk around 314 Water St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	EVERETT BORO MUNI AUTH serves 2,048 people · EPA ID PA4050012
Water Source	Groundwater
Last State Inspection	Apr 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 255 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

May also be available: Verizon.

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