432 E John St, Bedford, PA 15522 Property Records

Bedford County property record for 432 E John St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	1,344 sqft · built 1950
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,500 (Sep 1989)
Tax Bill	$1,964 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.05-076`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.05-076`
Alternative APN	`010-000004`

Interior

Stories	1 Story
Building Area	1,344 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	14,375 sqft (0.33 acres)

Location & Zoning

Street Address	432 E JOHN ST
City	BEDFORD
State	PA
Zip	15522-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	432 E JOHN ST
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4000
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	2 Individual Names on Record
Mailing Address	432 E JOHN ST, BEDFORD, PA 15522-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK
Jun 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMONWEALTH BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 1989 · Amount on Record
Deed Sale	Sep 1, 1989 · Amount on Record
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Recording Date	Jun 10, 2026
Property Address	432 E JOHN ST, BEDFORD, PA 15522-1429
Document Number	0000002462
Instrument Date	Jun 2, 2026
Instrument	20262462
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E JOHN ST, BEDFORD, PA 15522-1429

Mortgage

Document Number	0000002462,
Date	Jun 10, 2026
Instrument	20262462

Lender

Name	FIRST COMMONWEALTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Recording Date	Jun 13, 2026
Property Address	432 E JOHN ST, BEDFORD, PA 15522-1429
Document Number	0000002509
Instrument Date	Jun 2, 2026
Instrument	20262509
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 E JOHN ST, BEDFORD, PA 15522-1429

Mortgage

Document Number	0000002509,
Date	Jun 13, 2026
Instrument	20262509

Lender

Name	FIRST COMMONWEALTH BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$1,964.00 (-8.18%)	$115,600 (-) Land $37,300 Building $78,300	$115,600 (-) Land $37,300 Building $78,300
2025			$115,600 (-) Land $37,300 Building $78,300
2023	$2,139.00 Additional exemption filed	$115,600 Land $37,300 Building $78,300
2012			$115,600 Land $37,300 Building $78,300

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1979–2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	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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