514 E Penn St, Bedford, PA 15522 Property Records

Bedford County property record for 514 E Penn St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	2,000 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,275 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.04-029`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.04-029`
Alternative APN	`010-000911`

Interior

Stories	2 Stories
Building Area	2,000 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	6,970 sqft (0.16 acres)

Location & Zoning

Street Address	514 E PENN ST
City	BEDFORD
State	PA
Zip	15522-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1019
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

514 E Penn St is owned and occupied by two individuals who acquired it in January 2017.

Source: Bedford County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	514 E PENN ST, BEDFORD, PA 15522-1437
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jan 6, 2017	Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2017
Deed Sale	Jan 6, 2017
Prior Sale	May 18, 2001 · Amount on File
Deed Document Number	2017124
Prior Transfer Date	Nov 25, 2016
Prior Transfer Doc	2017000124
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	514 E PENN ST, BEDFORD, PA 15522-1437
Transaction Type	Mortgage
Record Updated	Jul 29, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020/3279
Date	Jul 13, 2020
Book Page	2020/3279
Instrument	2020-003279

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	325 Months
Due	Aug 1, 2047

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BEDFORD PA
Recording Date	Jan 6, 2017
Property Address	514 E PENN ST, BEDFORD, PA 15522-1437
Document Number	2017000124
Instrument Date	Nov 25, 2016
Instrument	2017-000124
Transaction Type	Transfer
Record Updated	Jul 15, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 E PENN ST, BEDFORD, PA 15522-1437

Mortgage

Document Number	2017000125
Date	Jan 6, 2017
Instrument	2017-000125

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2046

Tax Assessment & Valuation

The 2026 property tax bill for 514 E Penn St was $2,275, up 9.1% from the year before.

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	$2,275.00 (+9.11%)	$129,700 (-) Land $27,500 Building $102,200	$129,700 (-) Land $27,500 Building $102,200
2025	$2,085.00	$129,700 Land $27,500 Building $102,200	$129,700 Land $27,500 Building $102,200
2023	$2,400.00 Additional exemption filed	$129,700 Land $27,500 Building $102,200
2012			$129,700 Land $27,500 Building $102,200

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

Flood

FEMA maps place 514 E Penn St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	26 (1983–2021)
Claims Outside the SFHA	1 of 26
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida
Claims by Event	Remnants Of Hurricane Ida, Sep 2021 · 6 claims Severe Storms And Flooding, Jan 1996 · 10 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

Wildfire risk around 514 E Penn 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 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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