Mercer County property record for 642 Bedford Rd, West Middlesex, PA 16159
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Individual Name on File |
| Last Sale | $249,000 (Sep 2022) |
| Tax Bill | $2,442 (2026) |
| Deeds & Mortgages | May 2005 Mortgage Mar 2007 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27 197 044 |
| Primary APN | 27 197 044 |
|---|
| Lot Area | 37,897 sqft (0.87 acres) |
|---|
| Street Address | 642 BEDFORD RD |
|---|---|
| City | WEST MIDDLESEX |
| State | PA |
| Zip | 16159-2504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HS ATTGR |
| Jurisdiction | MERCER PA |
| Township / Civil Division | SHENANGO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 32701 |
642 Bedford Rd is owned and occupied by an individual who bought it in September 2022.
Source: Mercer County records, as of April 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 642 BEDFORD RD, WEST MIDDLESEX, PA 16159-2504 |
| 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.
| Date | Document |
|---|---|
| May 31, 2005 | Deed of Trust, Mortgage · ARM NOVASTAR MORTGAGE INC |
| Mar 2, 2007 | Deed of Trust, Mortgage · Line of Credit BENEFICIAL CONSUMER DISCOUNT CO |
| Sep 8, 2022 | Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2022 · Amount on File |
| Deed Sale | Sep 8, 2022 · Amount on File |
| Deed Document Number | 20228656 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER PA |
| Property Address | 642 BEDFORD RD, WEST MIDDLESEX, PA 16159-2504 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00543/2127 |
|---|---|
| Date | May 31, 2005 |
| Book Page | 543/2127 |
| Instrument | 2005-008363 |
| Name | NOVASTAR MORTGAGE INC |
|---|---|
| Type | Subprime Lender |
| Address | INDEPENDENCE, OH 44131 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.55% |
| Type Change Date | Jun 1, 2007 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9.55% |
| Max Rate At Change | 12.5% |
| Index | 6-Month LIBOR |
| Max Rate | 16.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MERCER PA |
| Property Address | 642 BEDFORD RD, WEST MIDDLESEX, PA 16159-2504 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00614/1658 |
|---|---|
| Date | Mar 2, 2007 |
| Book Page | 614/1658 |
| Instrument | 2007-00002687 |
| Name | BENEFICIAL CONSUMER DISCOUNT CO |
|---|---|
| Type | Non-Lending Institution |
| Address | NEW CASTLE, PA 16105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | MERCER PA |
| Recording Date | Sep 8, 2022 |
| Property Address | 642 BEDFORD RD, WEST MIDDLESEX, PA 16159-2504 |
| Document Number | 202200008656 |
| Instrument Date | Sep 6, 2022 |
| Instrument | 2022-00008656 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,490.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 642 BEDFORD RD, WEST MIDDLESEX, PA 16159-2504 |
| Name | Verified Name |
|---|---|
| Address | 642 BEDFORD RD, WEST MIDDLESEX, PA 16159-2504 |
| Document Number | 202200008657 |
|---|---|
| Date | Sep 8, 2022 |
| Instrument | 2022-00008657 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
The 2026 property tax bill for 642 Bedford Rd was $2,442.
Source: Mercer County assessment roll, as of April 9, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Mercer County |
| County Subdivision | Shenango Township |
| Unified School District | West Middlesex Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,442.00 | $19,800 Land $1,200 Building $18,600 | |
| 2024 | $19,800 (-) Land $1,200 Building $18,600 | ||
| 2023 | $2,232.00 | $19,800 Land $1,200 Building $18,600 | |
| 1974 | $19,800 Land $1,200 Building $18,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 642 Bedford Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2016 · 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 Policies | 1 in force |
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 risk around 642 Bedford Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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