412 M St, Bedford, IN 47421 Property Records

Lawrence County property record for 412 M St, Bedford, IN 47421

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 2019
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on File
Last Sale	$103,600 (Feb 2020)
Tax Bill	$2,259 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1100119800P64N`

Property Details

APN / Parcel Number

Primary APN	`1100119800P64N`
Alternative APNs	`47-06-14-121-006.000-010` `01548059979`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Construction Type	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	170 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	01548059979
Street Address	412 M ST
City	BEDFORD
State	IN
Zip	47421-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STROUTS ADD LOT 17 60 X 170
Legal Subdivision	STROUTS ADD
Legal Lot Number	17
Jurisdiction	LAWRENCE IN
Township / Civil Division	SHAWSWICK
Census Block Group	3
Census Block	3034
Census Tract	951000

Owner

412 M St is owned and occupied by an individual who bought it in February 2020.

Source: Lawrence County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	412 M ST, BEDFORD, IN 47421-1819
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 19, 2023	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Feb 24, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage OWEN COUNTY STATE BANK
May 8, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance BEDFORD FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2020 · Amount on File
Deed Sale	Feb 24, 2020 · Amount on File
Prior Sale	Jun 16, 2010 · Amount on File
Deed Document Number	20201100
Prior Transfer Date	May 2, 2019
Prior Transfer Doc	0000002458
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Apr 19, 2023
Property Address	412 M ST, BEDFORD, IN 47421-1819
Document Number	2023002267
Instrument Date	Apr 10, 2023
Instrument	2023002267
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	412 M ST, BEDFORD, IN 47421-1819

Mortgage

Document Number	2023002268
Date	Apr 19, 2023
Instrument	2023002268

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Feb 24, 2020
Property Address	412 M ST, BEDFORD, IN 47421-1819
Document Number	2020001100
Instrument Date	Feb 21, 2020
Instrument	2020001100
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	2020001101
Date	Feb 24, 2020
Instrument	2020001101

Lender

Name	OWEN COUNTY STATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE IN
Recording Date	May 8, 2019
Property Address	412 M ST, BEDFORD, IN 47421-1819
Document Number	2019002458
Instrument Date	May 2, 2019
Instrument	2019002458
Transaction Type	Transfer
Record Updated	Jun 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019002459
Date	May 8, 2019
Instrument	2019002459

Lender

Name	BEDFORD FEDERAL SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 412 M St was $2,259 with a homeowner's exemption, down 3.7% from the year before.

Source: Lawrence County assessment roll, as of June 23, 2026

Property Jurisdictions

Type	Name
State	Indiana
Municipality	Bedford City
County	Lawrence County
County Subdivision	Shawswick Township
Unified School District	North Lawrence Community Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,259.00 (-3.71%) Homeowner's exemption	$251,000 Land $9,600 Building $241,400	$251,000 Land $9,600 Building $241,400
2024	$2,346.00 (+8.51%)
2023	$2,162.00 (+6.61%)	$216,200 (+6.61%) Land $9,000 Building $207,200	$216,200 (+6.61%) Land $9,000 Building $207,200
2022	$2,028.00 Homeowner's exemption	$202,800 Land $8,700 Building $194,100	$202,800 Land $8,700 Building $194,100

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

Flood

FEMA maps place 412 M St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1992.

Source: FEMA National Flood Hazard Layer, effective December 3, 2010 · 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 Claims	5 (1992–2006)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Mar 2006 · 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

Wildfire risk around 412 M 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 73% of Indiana
Wildfire Likelihood	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	BEDFORD CITY UTILITIES serves 14,000 people · EPA ID IN5247001
Water Source	Surface water
Last State Inspection	Jan 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 517 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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