537 E Penn St, Bedford, PA 15522 Property Records

Bedford County property record for 537 E Penn St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	2,140 sqft · built 1925
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Jan 2021)
Tax Bill	$2,480 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.04-104`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.04-104`
Alternative APN	`010-001223`

Interior

Stories	2 Stories
Building Area	2,140 sqft Living Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Lot Area	14,375 sqft (0.33 acres)
Deck Area	Deck Area

Location & Zoning

Street Address	537 E PENN ST
City	BEDFORD
State	PA
Zip	15522-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	537 E PENN ST
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	1
Census Block	1016
Census Tract	960700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	537 E PENN ST, BEDFORD, PA 15522-1438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Dec 1, 2023	Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jan 20, 2021	Special Warranty Deed, Transfer SOUTHWIND SETTLEMENT COMPANY, SOUTHWIND SETTLEMENT CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2021 · Amount on Record
Deed Sale	Jan 20, 2021 · Amount on Record
Prior Sale	Jul 1, 1986 · Amount on Record
Deed Document Number	2021359
Deed Book / Page	2021 / 359
Prior Transfer Date	Dec 28, 2020
Prior Transfer Doc	002021/359
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	537 E PENN ST, BEDFORD, PA 15522-1438
Transaction Type	Mortgage
Record Updated	Mar 5, 2026
Title Company	ACCEL SETTLEMENT COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 E PENN ST, BEDFORD, PA 15522-1438

Mortgage

Document Number	002026/692
Date	Feb 19, 2026
Book Page	2026/692
Instrument	2026-000692

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2046

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	BEDFORD PA
Recording Date	Dec 1, 2023
Property Address	537 E PENN ST, BEDFORD, PA 15522-1438
Document Number	02023/5079
Book / Page	2023 / 5079
Instrument Date	Dec 1, 2023
Instrument	2023-005079
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	ACQUIRE SETTLEMENT SERVICES LLC, ACQUIRE SETTLEMENT SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 E PENN ST, BEDFORD, PA 15522-1438

Mortgage

Document Number	2023005080
Date	Dec 1, 2023
Instrument	2023-005080

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BEDFORD PA
Recording Date	Jan 20, 2021
Property Address	537 E PENN ST, BEDFORD, PA 15522-1438
Document Number	002021/359
Book / Page	2021 / 359
Instrument Date	Dec 28, 2020
Instrument	2021-000359
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	SOUTHWIND SETTLEMENT COMPANY, SOUTHWIND SETTLEMENT CO

Transaction

Amount	Amount Recorded
Tax	$380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	537 EAST OENN ST, BEDFORD, PA 15522

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	$2,480.00 (+8.96%)	$139,000 (-) Land $37,300 Building $101,700	$139,000 (-) Land $37,300 Building $101,700
2025	$2,276.00 (-11.51%)	$139,000 (-) Land $37,300 Building $101,700	$139,000 (-) Land $37,300 Building $101,700
2023	$2,572.00 Additional exemption filed	$139,000 Land $37,300 Building $101,700
2012			$139,000 Land $37,300 Building $101,700

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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

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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