409 E Penn St, Bedford, PA 15522 Property Records

Bedford County property record for 409 E Penn St, Bedford, PA 15522

Property Summary

Property Type	Multi-Family Dwellings
Details	1,838 sqft · built 1820
Lot Size	0.33 acres (14,375 sqft)
Owner	Company Name on Record
Last Sale	$145,000 (Mar 2021)
Tax Bill	$2,775 (2026)
Deeds & Mortgages	Mar 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.04-117`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.04-117`
Alternative APN	`010-000040`

Interior

Stories	2 Stories
Building Area	1,838 sqft Total Area

Exterior

Year Built	Built 1820
Effective Year Built	Effective 1820
Architectural Style	Multi-Family
Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Street Address	409 E PENN ST
City	BEDFORD
State	PA
Zip	15522-1436
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	409 E PENN ST
Legal Subdivision	ANDERSON
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1015
Census Tract	960700

Historic Designation

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

Historic District	Within the Bedford Historic District listed 1983 · 210 contributing resources · NRIS 83004187

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

Owner

Source: Bedford County records, 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	Company Name on Record
Mailing Address	122 ARMORY ST, EVERETT, PA 15537-3324
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2021 · Amount on Record
Deed Sale	Mar 9, 2021 · Amount on Record
Prior Sale	Feb 19, 2010 · Amount on Record
Deed Document Number	20211372
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BEDFORD PA
Recording Date	Mar 9, 2021
Property Address	409 E PENN ST, BEDFORD, PA 15522-1436
Document Number	02021/1372
Book / Page	2021 / 1372
Instrument Date	Mar 9, 2021
Instrument	2021-001372
Transaction Type	Transfer
Record Updated	Dec 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1263 OLD DIRT RD, 1263, BEDFORD, PA 15522-6972

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 ARMORY ST, EVERETT, PA 15537-3324

Mortgage

Document Number	02021/1373
Date	Mar 9, 2021
Book Page	2021/1373
Instrument	2021-001373

Lender

Name	HOMETOWN BANK OF PENNSYLVANIA
Type	Bank
Address	BEDFORD, PA 15522

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,775.00 (+19.15%)	$125,900 (-) Land $37,300 Building $88,600	$125,900 (-) Land $37,300 Building $88,600
2025			$125,900 (-) Land $37,300 Building $88,600
2023	$2,329.00 Additional exemption filed	$125,900 Land $37,300 Building $88,600
2012			$125,900 Land $37,300 Building $88,600

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

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 93% of the US · lower than 91% of Pennsylvania
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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