628 U St, Bedford, IN 47421 Property Records

Lawrence County property record for 628 U St, Bedford, IN 47421

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,026 sqft · built 1929
Lot Size	0.116 acres (5,040 sqft)
Owner	Individual Name on Record
Last Sale	$133,900 (Jun 2021)
Tax Bill	$673 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1100631100P46N`

Property Details

APN / Parcel Number

Primary APN	`1100631100P46N`
Alternative APNs	`47-06-15-111-057.000-010` `00627394062`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,026 sqft Living Area
1st Floor Area	1,026 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1975
Construction Type	Metal Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	5,040 sqft (0.116 acres)
Lot Dimensions	120 ft deep x 42 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	00627394062
Street Address	628 U ST
City	BEDFORD
State	IN
Zip	47421-1924
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTHERN HGTS LOT 129 42 X 120
Legal Subdivision	NORTHERN HEIGHTS
Legal Lot Number	129
Jurisdiction	LAWRENCE IN
Township / Civil Division	SHAWSWICK
Census Block Group	4
Census Block	4038
Census Tract	951000

Owner

Source: Lawrence County records, as of June 23, 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	628 U ST, BEDFORD, IN 47421-1924
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage NEW DAY FINANCIAL LLC
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 1, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Nov 20, 2008 · Amount on Record
Deed Document Number	20213937
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	628 U ST, BEDFORD, IN 47421-1924
Transaction Type	Mortgage
Record Updated	Oct 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2025005594
Date	Sep 23, 2025
Instrument	2025005594

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAWRENCE IN
Property Address	628 U ST, BEDFORD, IN 47421-1924
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2021003938
Date	Jun 1, 2021
Instrument	2021003938

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAWRENCE IN
Recording Date	Jun 1, 2021
Property Address	628 U ST, BEDFORD, IN 47421-1924
Document Number	2021003937
Instrument Date	Apr 22, 2021
Instrument	2021003937
Transaction Type	Transfer
Record Updated	Feb 9, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$673.00 (-1.46%) Homeowner's exemption	$113,800 (+13.35%) Land $8,500 Building $105,300	$113,800 (+13.35%) Land $8,500 Building $105,300
2024	$683.00 (+23.51%)
2023	$553.00 (+19.44%)	$100,400 (+6.81%) Land $8,000 Building $92,400	$100,400 (+6.81%) Land $8,000 Building $92,400
2022	$463.00	$94,000 Land $7,800 Building $86,200	$94,000 Land $7,800 Building $86,200

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 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	3 (1987–1996)
Claims Outside the SFHA	2 of 3
Most Recent Claim	May 1996 · Severe Storms And Flooding

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 99.1% of the US · lower than 94% of Indiana
Wildfire Likelihood	Under 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	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 284 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, T-Mobile.

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