651 E Watson St, Bedford, PA 15522 Property Records

Bedford County property record for 651 E Watson St, Bedford, PA 15522

Property Summary

Property Type	Single Family Home
Details	1,277 sqft · built 1950
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Apr 1985)
Tax Bill	$2,046 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`E.09-E.05-149`

Property Details

APN / Parcel Number

Primary APN	`E.09-E.05-149`
Alternative APN	`010-001006`

Interior

Stories	1 Story
Building Area	1,277 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Lot Area	9,148 sqft (0.21 acres)

Location & Zoning

Street Address	651 E WATSON ST
City	BEDFORD
State	PA
Zip	15522-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MEADOWBROOK TERRACE
Jurisdiction	BEDFORD PA
Township / Civil Division	BEDFORD
Census Block Group	4
Census Block	4017
Census Tract	960700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	651 E WATSON ST, BEDFORD, PA 15522-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 1985 · Amount on Record
Deed Sale	Apr 1, 1985 · Amount on Record
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Recording Date	Aug 24, 2026
Property Address	651 E WATSON ST, BEDFORD, PA 15522-2115
Document Number	0000003961
Instrument Date	Aug 14, 2026
Instrument	20263961
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	ACCURATE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 E WATSON ST, BEDFORD, PA 15522-2115

Mortgage

Document Number	0000003961,
Date	Aug 24, 2026
Instrument	20263961

Lender

Name	FIRST NATIONAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BEDFORD PA
Property Address	651 E WATSON ST, BEDFORD, PA 15522-2115
Transaction Type	Mortgage
Record Updated	Aug 4, 2021
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021/4206
Date	Jul 16, 2021
Book Page	2021/4206
Instrument	2021-004206

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

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	$2,046.00 (-7.29%)	$119,300 (-) Land $32,900 Building $86,400	$119,300 (-) Land $32,900 Building $86,400
2025			$119,300 (-) Land $32,900 Building $86,400
2023	$2,207.00 Additional exemption filed	$119,300 Land $32,900 Building $86,400
2012			$119,300 Land $32,900 Building $86,400

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 May 28, 2026 · 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	3 in force
Nearby Flood Claims	3 (1979–2021)
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

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	0.02% 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.

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 102 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.

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