495 E Watson St, Bedford, PA 15522 Property Records

Bedford County property record for 495 E Watson St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	2,859 sqft · built 1956
Lot Size	0.989 acres (43,081 sqft)
Owner	Company Name on Record
Last Sale	$310,000 (Dec 2019)
Tax Bill	$5,647 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.05-084`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.05-084`
Alternative APN	`010-000425`

Interior

Stories	1 Story
Building Area	2,859 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	43,081 sqft (0.989 acres)
Garage Type	Attached

Location & Zoning

Street Address	495 E WATSON ST
City	BEDFORD
State	PA
Zip	15522-2127
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	495 E WATSON ST
Legal Subdivision	SHIMER ADDITION
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4014
Census Tract	960700

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	495 E WATSON ST, BEDFORD, PA 15522-2127
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Prior Sale	Dec 6, 2013 · Amount on Record
Deed Document Number	20196088
Deed Book / Page	2019 / 6088
Last Transfer Date	Jul 22, 2024
Transfer Doc	02024/3135
Record Updated	Sep 20, 2026

December 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Dec 16, 2019
Property Address	495 E WATSON ST, BEDFORD, PA 15522-2127
Document Number	2019/6088
Book / Page	2019 / 6088
Instrument Date	Dec 13, 2019
Instrument	2019-006088
Transaction Type	Transfer
Record Updated	Jul 15, 2021
Title Company	ACQUIRE SETTLEMENT SERVICES LLC, ACQUIRE SETTLEMENT SVCS LL

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	495 E WATSON ST, BEDFORD, PA 15522-2127

Mortgage

Document Number	2019006089
Date	Dec 16, 2019
Instrument	2019-006089

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

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	$5,647.00 (+7.17%)	$256,200 (-) Land $52,300 Building $203,900	$256,200 (-) Land $52,300 Building $203,900
2025	$5,269.00 (+11.16%)	$256,200 (-) Land $52,300 Building $203,900	$256,200 (-) Land $52,300 Building $203,900
2023	$4,740.00 Additional exemption filed	$256,200 Land $52,300 Building $203,900
2012			$256,200 Land $52,300 Building $203,900

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 100 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	Direct burnable vegetation

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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