40 William St, Bedford, OH 44146 Property Records

Cuyahoga County property record for 40 William St, Bedford, OH 44146

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1925
Lot Size	0.103 acres (4,480 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Sep 2025)
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`814-14-087`

Property Details

APN / Parcel Number

Primary APN	`814-14-087`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
Gross Area	1,716 sqft
1st Floor Area	540 sqft
2nd Floor Area	540 sqft
Basement Area	540 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,480 sqft (0.103 acres)
Lot Dimensions	140 ft deep x 32 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	204 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	40 WILLIAM ST
City	BEDFORD
State	OH
Zip	44146-4632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	67 BDLD&I 0586 ALL
Legal Subdivision	OHIO LAND DEVELOPMENT CORPORATION'S RE
Legal Lot Number	586
Jurisdiction	CUYAHOGA OH
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1007
Census Tract	132302

Owner

Source: Cuyahoga County records, as of April 2, 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 Record
Mailing Address	40 WILLIAM ST, BEDFORD, OH 44146-4632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2024	Deed of Trust, Mortgage · Commercial Mortgage RCN CAPITAL LLC
Sep 22, 2025	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 26, 2023	Limited Warranty Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2025 · Amount on Record
Deed Sale	Sep 22, 2025 · Amount on Record
Prior Sale	Oct 26, 2023 · Amount on Record
Deed Document Number	202585
Prior Transfer Date	Apr 30, 1980
Prior Transfer Doc	1524000341
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUYAHOGA OH
Property Address	40 WILLIAM ST, BEDFORD, OH 44146-4632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 WHITTLESEY DR, TALLMADGE, OH 44278-1679
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000478
Date	Mar 18, 2024
Instrument	202403180478

Lender

Name	RCN CAPITAL LLC
Type	Mortgage Company
Address	SOUTH WINDSOR, CT 06074

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Sep 22, 2025
Property Address	40 WILLIAM ST, BEDFORD, OH 44146-4632
Document Number	0000000085
Map Reference	VOL 78 PG 8
Instrument Date	Sep 18, 2025
Instrument	202509220085
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 WILLIAM ST, BEDFORD, OH 44146-4632

Mortgage

Document Number	0000000086
Date	Sep 22, 2025
Instrument	202509220086

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

October 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Oct 26, 2023
Property Address	40 WILLIAM ST, BEDFORD, OH 44146-4632
Document Number	0000000598
Map Reference	VOL 78 PG 8
Instrument Date	Sep 28, 2023
Instrument	202310260598
Transaction Type	Transfer
Record Updated	Nov 9, 2023
Title Company	QUIET TITLE AGENCY, QUEST TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 N ALLING RD, TALLMADGE, OH 44278-2004

Mortgage

Document Number	0000000599
Date	Oct 26, 2023
Instrument	202310260599

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cuyahoga County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
Municipality	Bedford City
Unified School District	Bedford City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,448.00 (+13.44%)	$29,750 (-) Land $7,140 Building $22,610	$85,000 (-) Land $20,400 Building $64,600
2024	$2,158.00 (+18.57%)	$29,750 (+5.57%) Land $7,140 Building $22,610	$85,000 (+5.59%) Land $20,400 Building $64,600
2023	$1,820.00 (+10.1%) Homeowner's exemption Senior Citizen's exemption	$28,180 (-) Land $6,090 Building $22,090
2022	$1,653.00 Homeowner's exemption Senior Citizen's exemption	$28,180 Land $6,090 Building $22,090
2021			$80,500 Land $17,400 Building $63,100

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 December 16, 2021 · 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	1 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · rainfall accumulation

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	Not rated no burnable land 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	BEDFORD CITY PWS serves 13,149 people · EPA ID OH1800003
Water Source	Purchased surface water from CLEVELAND PUBLIC WATER SYSTEM
Last State Inspection	May 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 452 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Breezeline, DSI Stream, Verizon.

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