522 M St, Bedford, IN 47421 Property Records

Lawrence County property record for 522 M St, Bedford, IN 47421

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,924 sqft · built 1894
Lot Size	0.242 acres (10,540 sqft)
Owner	Individual Name on File
Last Sale	$77,100 (Dec 2011)
Tax Bill	$1,538 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jun 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1100608300P64N`

Property Details

APN / Parcel Number

Primary APN	`1100608300P64N`
Alternative APNs	`47-06-14-121-015.000-010` `00900694697`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,924 sqft Living Area
1st Floor Area	1,108 sqft
Attic	Attic
Attic Area	1,632 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1999
Construction Type	Wood
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	10,540 sqft (0.242 acres)
Lot Dimensions	170 ft deep x 62 ft wide
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00900694697
Street Address	522 M ST
City	BEDFORD
State	IN
Zip	47421-2339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MASSEYS LOT 2 62 X 170
Legal Lot Number	2
Jurisdiction	LAWRENCE IN
Township / Civil Division	SHAWSWICK
Census Block Group	3
Census Block	3037
Census Tract	951000

Owner

522 M St is owned and occupied by an individual who bought it in December 2011.

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

Owner of Record	Individual Name on File
Mailing Address	522 M ST, BEDFORD, IN 47421-2339
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
Jan 4, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 8, 2023	Warranty Deed, Transfer
Jun 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HOSSIER HILLS CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2011 · Amount on File
Deed Sale	Dec 12, 2011 · Amount on File
Prior Sale	Mar 27, 2007 · Amount on File
Record Updated	Sep 20, 2026

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAWRENCE IN
Recording Date	Jan 4, 2024
Property Address	522 M ST, BEDFORD, IN 47421-2339
Document Number	2024000101
Instrument Date	Dec 19, 2023
Instrument	2024000101
Transaction Type	Transfer
Record Updated	Jan 23, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 M ST, BEDFORD, IN 47421-2339

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Jun 8, 2023
Property Address	522 M ST, BEDFORD, IN 47421-2339
Document Number	2023003357
Instrument Date	May 31, 2023
Instrument	2023003357
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 M ST, BEDFORD, IN 47421-2339

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	522 M ST, BEDFORD, IN 47421-2339
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021004567
Date	Jun 23, 2021
Instrument	2021004567

Lender

Name	HOSSIER HILLS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 522 M St was $1,538 with a homeowner's exemption, down 8.4% 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	$1,538.00 (-8.4%) Homeowner's exemption	$160,500 Land $9,900 Building $150,600	$160,500 Land $9,900 Building $150,600
2024	$1,679.00 (+69.6%)
2023	$990.00 (-42.77%)	$96,900 (+12.02%) Land $9,300 Building $87,600	$96,900 (+12.02%) Land $9,300 Building $87,600
2022	$1,730.00	$86,500 Land $9,000 Building $77,500	$86,500 Land $9,000 Building $77,500

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

Flood

FEMA maps place 522 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 522 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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