3497 Centennial Rd, Bedford, PA 15522 Property Records

Bedford County property record for 3497 Centennial Rd, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	2,520 sqft · built 2004
Lot Size	3.08 acres (134,513 sqft)
Owner	Trust Name on File
Last Sale	$30,000 (Jul 2001)
Tax Bill	$25,059 (2026)
Deeds & Mortgages	Mar 2024 Transfer Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`E.11-0.00-163`

Property Details

APN / Parcel Number

Primary APN	`E.11-0.00-163`
Alternative APN	`060-084134`

Interior

Stories	1 Story
Building Area	2,520 sqft Living Area

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	134,513 sqft (3.08 acres)
Garage Type	Attached

Location & Zoning

Street Address	3497 CENTENNIAL RD
City	BEDFORD
State	PA
Zip	15522-4919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3497 CENTENNIAL RD OFF OF E11-8
Jurisdiction	BEDFORD PA
Township / Civil Division	COLERAIN
Census Block Group	2
Census Block	2027
Census Tract	961002

Owner

3497 Centennial Rd is owner-occupied and held in a trust since March 2024.

Source: Bedford County records, as of August 11, 2026

Owner of Record	Trust Name on File
Mailing Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Intrafamily Transfer, Transfer
Jul 11, 2022	Deed of Trust, Mortgage · Commercial Mortgage SOMERSET TRUST CO
Mar 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA
Feb 16, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK
Jan 10, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALTOONA FIRST SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2001 · Amount on File
Deed Sale	Jul 3, 2001 · Amount on File
Last Transfer Date	Mar 21, 2024
Transfer Doc	02024/1209
Record Updated	Sep 20, 2026

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD PA
Recording Date	Mar 21, 2024
Property Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919
Document Number	02024/1209
Book / Page	2024 / 1209
Map Reference	MB 6 PG 10
Instrument Date	Mar 1, 2024
Instrument	2024-001209
Transaction Type	Transfer
Record Updated	Apr 8, 2024

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
Relationship	Family Trust
Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919
Transaction Type	Mortgage
Record Updated	Jul 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919

Mortgage

Document Number	02022/3652
Date	Jul 11, 2022
Book Page	2022/3652
Instrument	2022-003652

Lender

Name	SOMERSET TRUST CO
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	CORPORATE SETTLEMENTS, CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919

Mortgage

Document Number	02022/1610
Date	Mar 28, 2022
Book Page	2022/1610
Instrument	2022-001610

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2052

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/874
Date	Feb 16, 2021
Book Page	2021/874
Instrument	2021-000874

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	3497 CENTENNIAL RD, BEDFORD, PA 15522-4919
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019/0099
Date	Jan 10, 2019
Book Page	2019/0099
Instrument	2019-000099

Lender

Name	ALTOONA FIRST SAVINGS BANK
Type	Bank
Address	ALTOONA, PA 16602

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jan 8, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 3497 Centennial Rd was $25,059, up 10.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bedford County
County Subdivision	Colerain Township
Unified School District	Bedford Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$25,059.00 (+10.06%)	$205,700 (-) Land $36,300 Building $169,400	$205,700 (-) Land $36,300 Building $169,400
2025	$22,769.00	$205,700 Land $36,300 Building $169,400	$205,700 Land $36,300 Building $169,400
2023	$2,978.00 Additional exemption filed	$205,700 Land $36,300 Building $169,400
2012			$205,700 Land $36,300 Building $169,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3497 Centennial Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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 3497 Centennial Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 88% of Pennsylvania
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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