Bedford County property record for 316 Watson Rd, Manns Choice, PA 15550
| Property Type | Single Family Home |
|---|---|
| Details | 1,779 sqft · built 1960 |
| Lot Size | 0.706 acres (30,753 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,349 (2026) |
| Deeds & Mortgages | Jun 2018 Mortgage Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | D.09-0.00-079 |
| Primary APN | D.09-0.00-079 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,779 sqft Living Area |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Lot Area | 30,753 sqft (0.706 acres) |
| Garage Type | Attached |
| Street Address | 316 WATSON RD |
|---|---|
| City | MANNS CHOICE |
| State | PA |
| Zip | 15550-8504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 316 WATSON RD |
| Jurisdiction | BEDFORD PA |
| Township / Civil Division | HARRISON |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 960900 |
Source: Bedford County assessment roll, as of August 11, 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 File |
|---|---|
| Mailing Address | 316 WATSON RD, MANNS CHOICE, PA 15550-8504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 18, 2018 | Deed of Trust, Mortgage · Commercial Mortgage SOMERSET TRUST CO |
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit SOMERSET TRUST CO |
| Jul 30, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage SOMERSET TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jul 30, 2025 |
| Transfer Doc | 02025/3531 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Property Address | 316 WATSON RD, MANNS CHOICE, PA 15550-8504 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 02018/2686 |
|---|---|
| Date | Jun 18, 2018 |
| Book Page | 2018/2686 |
| Instrument | 2018-002686 |
| Name | SOMERSET TRUST CO |
|---|---|
| Type | Bank |
| Address | BEDFORD, PA 15522 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BEDFORD PA |
| Property Address | 316 WATSON RD, MANNS CHOICE, PA 15550-8504 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 316 WATSON RD, MANNS CHOICE, PA 15550-8504 |
| Document Number | 02022/1923 |
|---|---|
| Date | Apr 13, 2022 |
| Book Page | 2022/1923 |
| Instrument | 2022-001923 |
| Name | SOMERSET TRUST CO |
|---|---|
| Type | Bank |
| Address | BEDFORD, PA 15522 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BEDFORD PA |
| Recording Date | Jul 30, 2025 |
| Property Address | 316 WATSON RD, MANNS CHOICE, PA 15550-8504 |
| Document Number | 02025/3531 |
| Book / Page | 2025 / 3531 |
| Map Reference | MB 1126 PG 745 |
| Instrument Date | Jul 2, 2025 |
| Instrument | 2025-003531 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Title Company | STC SETTLEMENT SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 316 WATSON RD, MANNS CHOICE, PA 15550-8504 |
| Document Number | 02025/3532 |
|---|---|
| Date | Jul 30, 2025 |
| Book Page | 2025/3532 |
| Instrument | 2025-003532 |
| Name | SOMERSET TRUST CO |
|---|---|
| Type | Bank |
| Address | SOMERSET, PA 15501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2055 |
Source: Bedford County assessment roll, as of August 11, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Bedford County |
| County Subdivision | Harrison Township |
| Unified School District | Bedford Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,349.00 (+15.5%) | $105,400 (-) Land $20,200 Building $85,200 | $105,400 (-) Land $20,200 Building $85,200 |
| 2025 | $1,168.00 (-24.84%) | $105,400 (-) Land $20,200 Building $85,200 | $105,400 (-) Land $20,200 Building $85,200 |
| 2023 | $1,554.00 Additional exemption filed | $105,400 Land $20,200 Building $85,200 | |
| 2012 | $105,400 Land $20,200 Building $85,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 6 (1983–2021) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Sep 2021 · Remnants Of Hurricane Ida |
| Claims by Event |
|
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.
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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: FCC Broadband Data Collection, based on 45 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 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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