499 Highland Rd, Schellsburg, PA 15559 Property Records

Bedford County property record for 499 Highland Rd, Schellsburg, PA 15559

Property Summary

Property Type	Rural Home
Details	1,062 sqft · built 1990
Lot Size	10.4 acres (455,202 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jan 2020)
Tax Bill	$1,557 (2026)
Deeds & Mortgages	May 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C.08-0.00-014-F`

Property Details

APN / Parcel Number

Primary APN	`C.08-0.00-014-F`
Alternative APN	`220-014981`

Interior

Stories	1 Story
Building Area	1,062 sqft Living Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	455,202 sqft (10.4 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area
Shed	1 Shed

Location & Zoning

Street Address	499 HIGHLAND RD
City	SCHELLSBURG
State	PA
Zip	15559-8709
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	499 HIGHLAND RD
Jurisdiction	BEDFORD PA
Township / Civil Division	NAPIER
Census Block Group	1
Census Block	1015
Census Tract	960900

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	Individual Name on Record
Mailing Address	499 HIGHLAND RD, SCHELLSBURG, PA 15559-8709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 27, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 7, 2020	Deed, Transfer · FHA Mortgage NEIGHBORS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 7, 2020 · Amount on Record
Deed Sale	Jan 7, 2020 · Amount on Record
Prior Sale	Oct 1, 1982 · Amount on Record
Deed Document Number	202074
Deed Book / Page	2020 / 74
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	499 HIGHLAND RD, SCHELLSBURG, PA 15559-8709
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02022/2769
Date	May 26, 2022
Book Page	2022/2769
Instrument	2022-002769

Lender

Name	TRUIST BANK
Type	Bank
Address	WINSTON SALEM, NC 27101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Apr 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	499 HIGHLAND RD, SCHELLSBURG, PA 15559-8709
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/3093
Date	May 27, 2021
Book Page	2021/3093
Instrument	2021-003093

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Jan 7, 2020
Property Address	499 HIGHLAND RD, SCHELLSBURG, PA 15559-8709
Document Number	2020/0074
Book / Page	2020 / 0074
Instrument Date	Jan 6, 2020
Instrument	2020-000074
Transaction Type	Transfer
Record Updated	Jul 15, 2021
Title Company	ACQUIRE SETTLEMENT SERVICES LLC, AQUIRE SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	499 HIGHLAND RD, SCHELLSBURG, PA 15559-8709

Mortgage

Document Number	2020000075
Date	Jan 7, 2020
Instrument	2020-000075

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

Source: Bedford County assessment roll, as of August 11, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Bedford County
County Subdivision	Napier Township
Unified School District	Chestnut Ridge School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,557.00 (+10.5%)	$104,630 (-) Land $29,430 Building $75,200	$104,630 (-15.21%) Land $48,200 Building $75,200
2025			$123,400 (-) Land $48,200 Building $75,200
2023	$1,409.00 Additional exemption filed	$104,630 Land $29,430 Building $75,200
2012			$123,400 Land $48,200 Building $75,200

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	10 (1993–2010)
Claims Outside the SFHA	7 of 10
Most Recent Claim	Dec 2010 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jan 1996 · 4 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 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 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

May also be available: Verizon.

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