422 M St, Bedford, IN 47421 Property Records

Lawrence County property record for 422 M St, Bedford, IN 47421

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,144 sqft · built 1898
Lot Size	0.234 acres (10,200 sqft)
Owner	Individual Name on File
Last Sale	$133,200 (Jun 2019)
Tax Bill	$853 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1100085600P64N`

Property Details

APN / Parcel Number

Primary APN	`1100085600P64N`
Alternative APNs	`47-06-14-121-008.000-010` `01434246559`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1955
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	10,200 sqft (0.234 acres)
Lot Dimensions	170 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	01434246559
Street Address	422 M ST
City	BEDFORD
State	IN
Zip	47421-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STROUTS LOT 19 60 X 170
Legal Lot Number	19
Jurisdiction	LAWRENCE IN
Township / Civil Division	SHAWSWICK
Census Block Group	3
Census Block	3034
Census Tract	951000

Owner

422 M St is owned and occupied by an individual who bought it in June 2019.

Source: Lawrence County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	422 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
Oct 22, 2025	Intrafamily Transfer, Transfer · FHA Mortgage CMG MORTGAGE INC
Jun 10, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage RUOFF MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2019 · Amount on File
Deed Sale	Jun 10, 2019 · Amount on File
Deed Document Number	20193164
Record Updated	Sep 20, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LAWRENCE IN
Recording Date	Oct 22, 2025
Property Address	422 M ST, BEDFORD, IN 47421-1819
Document Number	2025006277
Instrument Date	Oct 17, 2025
Instrument	2025006277
Transaction Type	Transfer
Record Updated	Nov 18, 2025
Title Company	CLASSIC FL TITLE INC, CLASSIC TITLE INC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 M ST, BEDFORD, IN 47421-1819

Mortgage

Document Number	2025006278
Date	Oct 22, 2025
Instrument	2025006278

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Jun 10, 2019
Property Address	422 M ST, BEDFORD, IN 47421-1819
Document Number	2019003164
Instrument Date	Jun 7, 2019
Instrument	2019003164
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019003165
Date	Jun 10, 2019
Instrument	2019003165

Lender

Name	RUOFF MORTGAGE CO

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 422 M St was $853 with a homeowner's exemption, down 0.8% 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	$853.00 (-0.81%) Homeowner's exemption	$101,800 (+6.82%) Land $9,600 Building $92,200	$101,800 (+6.82%) Land $9,600 Building $92,200
2024	$860.00 (+14.97%) Homeowner's exemption	$95,300 (+9.16%) Land $9,300 Building $86,000	$95,300 (+9.16%) Land $9,300 Building $86,000
2023	$748.00 (+37.5%)	$87,300 (+30.1%) Land $9,000 Building $78,300	$87,300 (+30.1%) Land $9,000 Building $78,300
2022	$544.00	$67,100 Land $8,700 Building $58,400	$67,100 Land $8,700 Building $58,400

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

Flood

FEMA maps place 422 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 422 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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